City Union Bank Limited
CUB · Banking · NSE
₹253
Current Market Price
Fair Value (P/B + Residual Income)
₹178
Discount to FV
-29.7%
Updated just now
YieldIQ Score
62/100
Piotroski F-Score
9/9
Economic Moat
Moderate
Confidence
null%
ROE
12.6%
Debt/Equity
0.50
Cost of Equity
9.8%
Market Cap
₹18,811 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
Revenue CAGR (3Y)
9.2%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹253.15
Bear case
Discount -77.9%
Base case
Discount -42.3%
Bull case
Discount +48.7%
Ratio Trends
CUB · last 8 annual periods
ROE
12.6%
ROCE
—
Operating Margin
—
Debt / Equity
0.50×
PE
13.4×
EV / EBITDA
—
Historical Financials
CUB · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 NSE_XBRL | 2023 yfinance | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹2674 Cr | ₹2973 Cr | ₹2865 Cr | ₹3214 Cr | ₹3869 Cr | +9.7% |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| PAT | ₹760 Cr | ₹937 Cr | ₹1016 Cr | ₹1124 Cr | ₹1326 Cr | +14.9% |
| EPS (diluted) | ₹10.18 | — | ₹13.62 | — | — | +7.5% |
| CFO | ₹1166 Cr | ₹724 Cr | ₹436 Cr | ₹1128 Cr | ₹802 Cr | -8.9% |
| CapEx | ₹-77.1 Cr | ₹-99.0 Cr | ₹-168 Cr | ₹-198 Cr | ₹-353 Cr | — |
| FCF | ₹1088 Cr | ₹625 Cr | ₹268 Cr | ₹931 Cr | ₹450 Cr | -19.8% |
| Total Assets | ₹61.5K Cr | ₹66.6K Cr | ₹70.8K Cr | ₹77.6K Cr | ₹97.0K Cr | +12.1% |
| Total Debt | ₹5312 Cr | ₹4688 Cr | ₹3372 Cr | ₹1790 Cr | ₹5327 Cr | +0.1% |
| Shareholders' Equity | ₹6586 Cr | ₹7457 Cr | ₹8401 Cr | ₹9467 Cr | ₹10.6K Cr | +12.5% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
CUB vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 J&KBANK J&KBANK | — | — | Pending | 14.3% | 5.1× |
 TMB TMB | — | — | Pending | 13.1% | — |
 SOUTHBANK SOUTHBANK | — | — | Pending | 12.9% | — |
 UJJIVANSFB UJJIVANSFB | — | — | Pending | 11.9% | — |
KTKBANK KTKBANK | — | — | Pending | 9.9% | 6.4× |
Click a ticker to view its fair-value analysis.
Dividend History
11 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹5.70/sh
Last payout
2025-08-01
₹2.00
Peak payout
₹2.00
Trailing yield
0.79%
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. City Union Bank Limited (CUB.NS) trades at 253.15 vs a model fair value of 177.88, a gap of -29.7%. Piotroski F-score: 9/9. Moat label: M...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of CUB →
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ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
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Recent activity
BSE filings + news for CUB →
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P/B + Residual Income breakdown, peer comparison, and more.
Analyse CUBNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.