City Union Bank Limited

NSEI:CUB Stock Report

Market Cap: ₹125.2b

City Union Bank Valuation

Is CUB undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of CUB when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Discounted Cash Flow
Simply Wall St
₹105.82
Fair Value
59.6% overvalued intrinsic discount
21
Number of Analysts

Below Fair Value: CUB (₹168.9) is trading above our estimate of fair value (₹105.82)

Significantly Below Fair Value: CUB is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for CUB?

Key metric: As CUB is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for CUB. This is calculated by dividing CUB's market cap by their current earnings.
What is CUB's PE Ratio?
PE Ratio11.8x
Earnings₹10.58b
Market Cap₹125.15b

Price to Earnings Ratio vs Peers

How does CUB's PE Ratio compare to its peers?

The above table shows the PE ratio for CUB vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average7.3x
J&KBANK Jammu and Kashmir Bank
5.3x1.6%₹106.6b
KARURVYSYA Karur Vysya Bank
9.5x9.3%₹170.9b
RBLBANK RBL Bank
8.2x25.3%₹98.2b
TMB Tamilnad Mercantile Bank
6.3xn/a₹70.6b
CUB City Union Bank
11.8x9.9%₹125.2b

Price-To-Earnings vs Peers: CUB is expensive based on its Price-To-Earnings Ratio (11.8x) compared to the peer average (7.3x).

Price to Earnings Ratio vs Industry

How does CUB's PE Ratio compare vs other companies in the IN Banks Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
No more companies available in this PE range
CUB 11.8xIndustry Avg. 9.6xNo. of Companies8PE0816243240+
0 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: CUB is expensive based on its Price-To-Earnings Ratio (11.8x) compared to the Indian Banks industry average (9.7x).

Price to Earnings Ratio vs Fair Ratio

What is CUB's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

CUB PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio11.8x
Fair PE Ratio9x

Price-To-Earnings vs Fair Ratio: CUB is expensive based on its Price-To-Earnings Ratio (11.8x) compared to the estimated Fair Price-To-Earnings Ratio (9x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst CUB forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current₹168.90
₹191.48
+13.4%
6.1%₹220.00₹165.00n/a21
Jan ’26₹173.81
₹190.05
+9.3%
6.6%₹220.00₹165.00n/a21
Dec ’25₹179.53
₹187.80
+4.6%
5.4%₹200.00₹165.00n/a20
Nov ’25₹177.82
₹187.80
+5.6%
5.4%₹200.00₹165.00n/a20
Oct ’25₹163.90
₹181.80
+10.9%
7.1%₹200.00₹155.00n/a20
Sep ’25₹170.69
₹182.35
+6.8%
7.2%₹200.00₹155.00n/a20
Aug ’25₹171.76
₹182.10
+6.0%
7.2%₹200.00₹155.00n/a20
Jul ’25₹166.07
₹172.25
+3.7%
8.8%₹200.00₹140.00n/a20
Jun ’25₹143.10
₹167.85
+17.3%
8.8%₹200.00₹140.00n/a20
May ’25₹160.70
₹163.40
+1.7%
6.5%₹185.00₹150.00n/a20
Apr ’25₹139.85
₹162.15
+15.9%
6.8%₹185.00₹150.00n/a20
Mar ’25₹137.55
₹161.90
+17.7%
7.0%₹185.00₹150.00n/a20
Feb ’25₹143.85
₹159.95
+11.2%
8.8%₹194.00₹140.00n/a19
Jan ’25₹152.25
₹157.28
+3.3%
9.0%₹194.00₹135.00₹173.8118
Dec ’24₹148.80
₹157.28
+5.7%
9.0%₹194.00₹135.00₹179.5318
Nov ’24₹137.35
₹157.28
+14.5%
9.0%₹194.00₹135.00₹177.8218
Oct ’24₹126.70
₹153.94
+21.5%
11.4%₹188.00₹125.00₹163.9017
Sep ’24₹125.60
₹156.68
+24.7%
12.5%₹200.00₹125.00₹170.6919
Aug ’24₹134.65
₹170.95
+27.0%
16.3%₹240.00₹125.00₹171.7619
Jul ’24₹127.30
₹172.39
+35.4%
16.2%₹240.00₹125.00₹166.0718
Jun ’24₹123.50
₹173.22
+40.3%
15.4%₹240.00₹140.00₹143.1018
May ’24₹141.65
₹188.53
+33.1%
12.3%₹240.00₹150.00₹160.7019
Apr ’24₹125.85
₹191.22
+51.9%
13.1%₹240.00₹150.00₹139.8518
Mar ’24₹141.35
₹195.95
+38.6%
11.6%₹240.00₹160.00₹137.5519
Feb ’24₹154.60
₹211.67
+36.9%
10.1%₹240.00₹170.00₹143.8518
Jan ’24₹180.40
₹209.72
+16.3%
9.9%₹240.00₹170.00₹152.2518
Analyst Price Target
Consensus Narrative from 21 Analysts
₹191.48
Fair Value
11.8% undervalued intrinsic discount
21
Number of Analysts

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/08 10:42
End of Day Share Price 2025/01/08 00:00
Earnings2024/09/30
Annual Earnings2024/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

City Union Bank Limited is covered by 39 analysts. 21 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Nitin BhasinAmbit Capital
Pankaj AgarwalAmbit Capital
Yuvraj ChoudharyAnand Rathi Shares and Stock Brokers Limited