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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 : Neutral
Price Momentum : Downward
Pledged Shares : None or < 25%
May 18,2024
Price(EOD): ₹ 153.10
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Bank - Private
MCap: ₹ 11,340.12 Cr
Value of ₹ 1 Lac invested in CITY UNION BANK
on May 20,2019 (price: ₹ 204.40)

₹ 1 L

₹ 0.75 L

1W : -1% 1M : 0.1% 1Y : 9.4%
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Industry Peers & Returns1W1M1Y
CITY UNION BANK -1% 0.1% 9.4%
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INDUSIND BANK -0.2% -3.8% 15.7%
IDBI BANK 2.5% 1.4% 58.1%
YES BANK 3.7% -2.2% 44.6%
IDFC FIRST BANK -0.1% -6.3% 14.6%

FUNDAMENTAL ANALYSIS OF CITY UNION BANK

 
Fundamentals Score
[ Q(TTM): Dec2023, Y: Mar2023
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 : May 18,2024 ]

Ratio Standalone
P/E
P/B
P/S
11.58
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 978.96 Cr
[Latest Qtr - Dec2023 - Standalone Results ]

1.52
P/B Calculated based on Book Value of Rs 7,457.21 Cr
[Latest Year - Mar2023 - Standalone Results ]

2.21
P/S Calculated based on Trailing Twelve Months (TTM) Revenues of Rs 0.00 Cr
[Latest Qtr - Dec2023 - Standalone Results ]

Financial Ratios →

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FAIR VALUE OF CITY UNION BANK

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
NA
111%
209%

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SHARE PRICE MOMENTUM OF CITY UNION BANK



CITY UNION BANK vs SENSEX


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NPA

Year Net NPA/Advances ratio
Standalone
2023
2022
2021
Avg_3yrs
2.36
2.95
4.09
3.13

PLEDGED PROMOTER SHARES OF CITY UNION BANK

Pledged Promoter Shares
0 %
As on : Dec2023

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
1.7%
-5.84%
-3.8%
-9.83%
10%
-26.8%
16.56%
16.16%
QtrlyTrend
0
Latest Qtr: Dec2023
Quarterly Result Analysis →


CITY UNION BANK related INDICES

BSE Indices1W1M1Y
S&P BSE SMALLCAP SELECT INDEX 6.1% 4.4% 44.4%
S&P BSE SMALL CAP 5.9% 5.6% 61.1%
S&P BSE 250 SMALLCAP 5.7% 4.7% 58.4%
S&P BSE MIDSMALLCAP 5.2% 6.2% 62.2%
S&P BSE 400 MIDSMALLCAP 5.1% 6% 57.9%
NSE Indices1W1M1Y
NIFTY FREE SMALL 100 6.1% 4.1% 72%
NIFTY SMALLCAP250 5.9% 5% 64.7%
NIFTY SMALLCAP 50 5.5% 3.1% 74.7%
NIFTY MID SMALL400 5% 5.6% 60.2%
NIFTY500 MULTICAP 50:25:25 3.8% 4.2% 44.5%

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FAQ about CITY UNION BANK


Is CITY UNION BANK good for long term investment?

As on May 18,2024, 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 May 18,2024, 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 May 18,2024, the Intrinsic Value of CITY UNION BANK is Rs. 61.02 estimated based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. -5.85
Fair Value [Median EV / Sales Model] : Rs. 72.49
Fair Value [Median Price / Sales Model] : Rs. 49.56
Estimated Median Fair Value of CITY UNION BANK : Rs. 61.02

The fair value of any stock is always subjective and should, in no way, be taken as a recommendation to buy/sell the same.

Is CITY UNION BANK trading at a Premium or Discount?

As on May 18,2024, CITY UNION BANK is trading at a Premium of 151% based on the estimates of Median Intrinsic Value!