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CITY UNION BANK
Intrinsic Value | Fundamental Analysis

BOM : 532210     NSE : CUB    
LT :  
    Long Term Analysis
Fundamentals : Good
Valuation : Bad [Stock is Expensive]
NPA (Non Performing Assets) : High
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Upward
Price Momentum : Upward
Pledged Shares : None or < 25%
Aug 08,2022
Price(EOD): ₹ 162.80
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Bank - Private
MCap: ₹ 12,040.69 Cr
Value of ₹ 1 Lac invested in CITY UNION BANK
on Aug 09,2017 (price: ₹ 147.09)

₹ 1 L

₹ 1.11 L

1W : -0.2% 1M : 12.4% 1Y : 5.2%
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for CITY UNION BANK
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Industry Peers & Returns1W1M1Y
CITY UNION BANK -0.2% 12.4% 5.2%
HDFC BANK 2.3% 4.6% -4%
ICICI BANK 2.4% 10.7% 19.4%
KOTAK MAHINDRA BANK -2.2% 5.7% 3.4%
AXIS BANK 2.1% 11.5% -2.8%
INDUSIND BANK -1.6% 23.8% 3.8%
BANDHAN BANK -2.4% 1.2% -11.1%
IDBI BANK 12.4% 29.3% 9.5%
AU SMALL FINANCE BANK 5.2% 11.7% 4.4%

FUNDAMENTAL ANALYSIS OF CITY UNION BANK

 
Fundamentals Score
[ Q(TTM): Jun2022, Y: Mar2022
Q : Last Qtr data
Y : Last Audited Annual/Yearly Data
TTM i.e. Trailing Twelve Months is calculated using last 4 quarterly data and is a good substitute to track last 4 Qtr Annual result before the subsequent year data is published and audited.
Learn More
]


VALUATION OF CITY UNION BANK

 
Valuation Score
[As on : Aug 08,2022 ]

Ratio Standalone
P/E
P/B
P/S
15.84
P/E Calculated based on EPS of 10.28
[ Mar2022 - Standalone Results ]

1.83
P/B Calculated based on Book Value of 89.05
[ Mar2022 - Standalone Results ]

2.86
P/S Calculated based on Revenues of 4206.79 Cr
[ TTM - Standalone Results ]

Financial Ratios →

Insights 💡 There are potential 18% undervalued companies ! Discover More →

FAIR VALUE OF CITY UNION BANK

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
NA
1430%
1204%

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SHARE PRICE MOMENTUM OF CITY UNION BANK


Insights 💡 CUB is one of the top 50% companies with bullish price momentum currently! Discover More →

CITY UNION BANK vs SENSEX


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NPA

Year Net NPA/Advances ratio
Standalone
2022
2021
2020
Avg_3yrs
2.95
4.09
2.29
3.11

PLEDGED PROMOTER SHARES OF CITY UNION BANK

Pledged Promoter Shares
0 %
As on : Jun2022

If less than 25%

Good
If between 25% and 50% Neutral
If greater than 50% Bad
Shareholding Pattern →

QTRLY RESULTS OF CITY UNION BANK

Standalone Q-o-Q Y-o-Y
Net Interest Income
Op Profit
Profit Before Tax
Profit After Tax
4.72%
1.66%
9.74%
7.75%
10.23%
17.44%
38.57%
30.15%
QtrlyTrend
8
Latest Qtr: Jun2022
Quarterly Result Analysis →


CITY UNION BANK related INDICES

BSE Indices1W1M1Y
S&P BSE SMALLCAP SELECT INDEX 1.9% 9.6% 4%
BSE PVT BANK 1.5% 10% 4%
S&P BSE 500 1% 8.9% 7.4%
S&P BSE ALLCAP 1% 8.9% 7.4%
S&P BSE 400 MIDSMALLCAP 0.9% 8.4% 3.8%
NSE Indices1W1M1Y
NIFTY PRIVATE BANK 1.2% 10.9% 4.5%
NIFTY 500 1% 8.9% 7.3%
NIFTY500 MULTICAP 50:25:25 0.8% 8.8% 5.8%
NIFTY MID SMALL400 0.8% 9.2% 5.4%
NIFTY FREE SMALL 100 0.1% 7.4% -10.8%

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FAQ about CITY UNION BANK


Is CITY UNION BANK good for long term investment?

As on Aug 08,2022, the Fundamentals of CITY UNION BANK look Strong and hence it may be good for long term investment! See Financial Performance of CITY UNION BANK . Please look at the other parameters such as Valuation, Price Momentum, News & Corporate Governance and/or consult an Investment Advisor before taking an investment decision!

Is CITY UNION BANK UnderValued or OverValued?

As on Aug 08,2022, CITY UNION BANK is Over Valued based on the estimates of intrinsic value and hence may not be a good buying opportunity according to Share Valuation at this time!

What is the Intrinsic Value of CITY UNION BANK ?

As on Aug 08,2022, the Intrinsic Value of CITY UNION BANK is Rs. 11.56 determined based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. -75.88
Fair Value [Median EV / Sales Model] : Rs. 10.64
Fair Value [Median Price / Sales Model] : Rs. 12.48
Median Fair Value of CITY UNION BANK : Rs. 11.56

Is CITY UNION BANK trading at a Premium or Discount?

As on Aug 08,2022, CITY UNION BANK is trading at a Premium of 1308% based on the estimates of Median Intrinsic Value!

SEBI Research Analyst
The Founder of this website, Mr. Rohit Katiyar is registered with SEBI as a Research Analyst [INH000007377].