CITY UNION BANK Ltd (CUB) Stock Price, Fundamentals, Valuation & Analysis

🧬 TickerPulse Stock DNA

8-pillar deterministic fundamental framework with transparent methodology

Composite: Not available

⚡ What Changed? (Recent Signal Radar)

Real-time delta analysis across price discovery, institutional flows, and disclosures

Evidence-Backed Signals • Q3 FY25

Price Move ↑

+2.56%

Short-term demand accumulation with positive intraday momentum.

Inspect Evidence →

Institutional Flow (FII/DII) 🏛️

Holding at 18.7%

Foreign & domestic institutions retain solid allocation across top-tier funds.

Inspect Evidence →

Capital Productivity ⚙️

ROE: 13.2%

Double-digit return on equity ensures sustainable organic balance sheet expansion.

Inspect Evidence →

Exchange Filings & Disclosures 📑

3 Verified Filings

Audited annual reports and earnings presentations submitted to BSE & NSE on schedule.

Inspect Evidence →

Forensic Solvency Radar 🛡️

0 Red Flags Detected

Piotroski health score and debt service coverage pass all standard regulatory thresholds.

Inspect Evidence →

📈 Price & Technical Intelligence

Interactive price action with toggleable 50/200 DMA, VWAP, Bollinger Bands, Volume, and RSI overlays

Overlays: 50 DMA 200 DMA Volume VWAP Bollinger (20,2) RSI (14)

Daily OHLC history · Upstox · Latest session: 09 Nov 2026

50-Day DMA ● Overlay

₹222.67

200-Day DMA ● Overlay

₹206.52

14-Day RSI ● Overlay

61 (Neutral)

Trend Signal

Strong Bullish

📐 Key Fundamentals & Valuation Multiples

Core financial metrics computed from live market prices and audited regulatory filings

Source: Exchange Disclosures • Q3 FY25

Market Cap Live Size

₹22,929 Cr

Mid cap

Stock P/E (TTM) Valuation

16.3x

Price / EPS

Book Value (₹) Assets

₹107.0

P/B: 2.2x

ROE (%) Quality

13.2%

Net Profit / Equity

ROCE (%) Efficiency

6.7%

EBIT / Capital

Dividend Yield Yield

0.86%

Face Value: ₹10

Debt / Equity Solvency

0.00x

Low Debt

EPS (TTM) Per Share

₹14.20

Trailing 12M

OPM (%) Spread

51.0%

EBITDA Margin

Free Cash Flow Cash

₹595.00 Cr

CFO - Capex

About CITY UNION BANK Ltd

CITY UNION BANK Ltd (CUB) is an Indian publicly traded enterprise listed on the National Stock Exchange (NSE).

🧬 DuPont 3-Stage ROE Decomposition:

Margin: 36.7% × Turnover: 0.85x × Leverage: 1x = ROE: 13.2%

✓ Company Strengths (Pros)

• Company is virtually debt-free with negligible balance sheet liabilities.
• Trading at an attractive valuation with a conservative P/E of 16.3x.

⚠ Key Considerations & Risks (Cons)

• Valuation is sensitive to broader macroeconomic and sectoral interest rate cycles.

📑 10-Year Comprehensive Financial Statements

✓ 93% Coverage (14/15 Metrics)

Audited financial statements • Latest: Q3 FY25 (Dec 2024) / Audited FY24 • Source: Company Disclosures & BSE

Latest Sales

₹2,820 Cr

Latest PAT

₹1,403 Cr

EPS (TTM)

₹14.20

OPM %

51.0%

5Y Sales CAGR

14%

5Y Profit CAGR

18%

Swipe → to view historical periods

Quarter (₹ Cr)	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales / Revenue	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr
Operating Profit (EBITDA)	-₹452.00 Cr	-₹390.00 Cr	-₹391.00 Cr	-₹402.00 Cr	-₹403.00 Cr	-₹451.00 Cr	-₹455.00 Cr	-₹489.00 Cr	-₹488.00 Cr	-₹512.00 Cr	-₹580.00 Cr	-₹617.00 Cr	-₹561.00 Cr
OPM %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Interest Expense	₹744.00 Cr	₹766.00 Cr	₹810.00 Cr	₹828.00 Cr	₹843.00 Cr	₹851.00 Cr	₹891.00 Cr	₹932.00 Cr	₹980.00 Cr	₹987.00 Cr	₹1,004 Cr	₹1,070 Cr	₹1,165 Cr
Depreciation	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr
Profit before Tax (PBT)	₹262.00 Cr	₹331.00 Cr	₹318.00 Cr	₹320.00 Cr	₹334.00 Cr	₹358.00 Cr	₹361.00 Cr	₹363.00 Cr	₹381.00 Cr	₹414.00 Cr	₹417.00 Cr	₹460.00 Cr	₹503.00 Cr
Net Profit (PAT)	₹227.00 Cr	₹281.00 Cr	₹253.00 Cr	₹255.00 Cr	₹264.00 Cr	₹285.00 Cr	₹286.00 Cr	₹288.00 Cr	₹306.00 Cr	₹329.00 Cr	₹332.00 Cr	₹360.00 Cr	₹383.00 Cr
EPS in ₹	₹2.30	₹2.84	₹2.56	₹2.58	₹2.68	₹2.89	₹2.89	₹2.91	₹3.10	₹3.33	₹3.36	₹3.63	₹3.86

Annual P&L (₹ Cr)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Sales	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr
Expenses	₹655.00 Cr	₹736.00 Cr	₹937.00 Cr	₹1,120 Cr	₹1,140 Cr	₹1,690 Cr	₹1,738 Cr	₹1,605 Cr	₹1,723 Cr	₹1,559 Cr	₹1,716 Cr	₹2,090 Cr	₹2,270 Cr
Operating Profit	-₹655.00 Cr	-₹736.00 Cr	-₹937.00 Cr	-₹1,120 Cr	-₹1,140 Cr	-₹1,690 Cr	-₹1,738 Cr	-₹1,605 Cr	-₹1,723 Cr	-₹1,559 Cr	-₹1,716 Cr	-₹2,090 Cr	-₹2,270 Cr
OPM %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
Interest	₹1,891 Cr	₹1,963 Cr	₹1,975 Cr	₹1,972 Cr	₹2,156 Cr	₹2,493 Cr	₹2,305 Cr	₹2,188 Cr	₹2,552 Cr	₹3,147 Cr	₹3,518 Cr	₹4,040 Cr	₹4,225 Cr
Depreciation	₹47.00 Cr	₹52.00 Cr	₹53.00 Cr	₹52.00 Cr	₹62.00 Cr	₹79.00 Cr	₹87.00 Cr	₹85.00 Cr	₹73.00 Cr	₹75.00 Cr	₹82.00 Cr	₹107.00 Cr	₹0 Cr
Profit before Tax	₹521.00 Cr	₹603.00 Cr	₹693.00 Cr	₹790.00 Cr	₹925.00 Cr	₹586.00 Cr	₹693.00 Cr	₹985.00 Cr	₹1,177 Cr	₹1,231 Cr	₹1,417 Cr	₹1,671 Cr	₹1,793 Cr
Net Profit	₹395.00 Cr	₹445.00 Cr	₹503.00 Cr	₹592.00 Cr	₹683.00 Cr	₹476.00 Cr	₹593.00 Cr	₹760.00 Cr	₹937.00 Cr	₹1,016 Cr	₹1,124 Cr	₹1,326 Cr	₹1,403 Cr
EPS in Rs	4.10	4.61	5.18	6.07	6.97	4.85	6.02	7.71	9.50	10.28	11.37	13.39	14.18

Balance Sheet (₹ Cr)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	₹60.00 Cr	₹60.00 Cr	₹60.00 Cr	₹66.00 Cr	₹73.00 Cr	₹74.00 Cr	₹74.00 Cr	₹74.00 Cr	₹74.00 Cr	₹74.00 Cr	₹74.00 Cr	₹74.00 Cr
Reserves & Surplus	₹2,636 Cr	₹2,992 Cr	₹3,510 Cr	₹4,097 Cr	₹4,767 Cr	₹5,222 Cr	₹5,769 Cr	₹6,512 Cr	₹7,383 Cr	₹8,327 Cr	₹9,393 Cr	₹10,491 Cr
Borrowings (Debt)	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr
Total Liabilities	₹27,871 Cr	₹31,804 Cr	₹35,271 Cr	₹39,937 Cr	₹45,259 Cr	₹49,734 Cr	₹53,312 Cr	₹61,531 Cr	₹66,595 Cr	₹70,826 Cr	₹77,623 Cr	₹97,024 Cr
Fixed Assets	₹210.00 Cr	₹218.00 Cr	₹215.00 Cr	₹223.00 Cr	₹250.00 Cr	₹245.00 Cr	₹233.00 Cr	₹215.00 Cr	₹239.00 Cr	₹270.00 Cr	₹322.00 Cr	₹469.00 Cr
Total Assets	₹27,871 Cr	₹31,804 Cr	₹35,271 Cr	₹39,937 Cr	₹45,259 Cr	₹49,734 Cr	₹53,312 Cr	₹61,531 Cr	₹66,595 Cr	₹70,826 Cr	₹77,623 Cr	₹97,024 Cr

Cash Flows (₹ Cr)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operations (CFO)	₹131.00 Cr	₹248.00 Cr	₹284.00 Cr	-₹183.00 Cr	₹419.00 Cr	₹1,836 Cr	₹922.00 Cr	₹1,166 Cr	₹724.00 Cr	₹436.00 Cr	₹1,128 Cr	₹802.00 Cr
Cash from Investing (CFI)	-₹64.00 Cr	-₹60.00 Cr	-₹50.00 Cr	-₹61.00 Cr	-₹87.00 Cr	-₹60.00 Cr	-₹38.00 Cr	-₹63.00 Cr	-₹72.00 Cr	-₹106.00 Cr	-₹120.00 Cr	-₹208.00 Cr
Cash from Financing (CFF)	₹291.00 Cr	-₹75.00 Cr	-₹4.00 Cr	₹1.00 Cr	-₹5.00 Cr	-₹18.00 Cr	₹10.00 Cr	-₹31.00 Cr	-₹690.00 Cr	-₹36.00 Cr	-₹2,662 Cr	₹3,042 Cr
Free Cash Flow (FCF)	₹66.00 Cr	₹188.00 Cr	₹233.00 Cr	-₹244.00 Cr	₹332.00 Cr	₹1,777 Cr	₹884.00 Cr	₹1,103 Cr	₹652.00 Cr	₹330.00 Cr	₹1,009 Cr	₹595.00 Cr

Efficiency Ratios	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Debtor Days (DSO)	30	30	30	30	30	30	30	30	30	30	30	30
Inventory Days	45	45	45	45	45	45	45	45	45	45	45	45
Cash Conversion Cycle (Days)	25	25	25	25	25	25	25	25	25	25	25	25
ROCE %	6.74%	6.74%	6.74%	6.74%	6.74%	6.74%	6.74%	6.74%	6.74%	6.74%	6.74%	6.74%

🎯 Valuation Lab & Sensitivity Matrix

Intrinsic DCF: ₹216.87 • Fairly Valued

Multi-model valuation framework (DCF, Graham Number, Historical P/E, EV/EBITDA) with sensitivity testing

Current Price

₹230.75

DCF Fair Value

₹216.87

Graham Number

₹184.90

Margin of Safety

-12.3%

Interactive Valuation Assumption Sliders:

Growth Rate (g): 12.0%

Discount Rate / WACC (d): 10.0%

Exit Multiple (P/E): 15.0x

Recalculated DCF Fair Value

₹216.87

Fairly Valued (Margin: -12.3%)

📊 DCF Sensitivity Matrix (Growth vs WACC)

Growth \ WACC	9%	10%	11%	12%
8%	₹211	₹209	₹207	₹205
10%	₹215	₹213	₹211	₹209
12%	₹219	₹217	₹215	₹213
14%	₹223	₹221	₹219	₹217

⚖️ Multi-Model Valuation Benchmark

Model	Estimated Value	Status
Discounted Cash Flow (DCF)	₹217	Fairly Valued
Benjamin Graham Number	₹185	Market Priced
Historical Sector P/E	₹312	Discounted
EV / EBITDA Multiplier	₹242	In-Line
Free Cash Flow Yield Model	₹226	Fairly Valued

🛡️ Forensic Audit Radar & Red Flag Monitor

Piotroski: 7/9 (Strong Financial Health)

Deterministic accounting risk audit, Altman Z-Score bankruptcy predictor, and solvency checks

Piotroski Score

7 / 9 Pass

Altman Z-Score

5.63 (Safe Zone (Low Distress))

Promoter Pledge

0.0% Clean

Accounting Red Flags

0 Detected (Passed)

Balance Sheet Debt

Debt/Equity: 0.00x (Safe)

Promoter Pledge

Zero shares encumbered

Cash Flow Conversion

Positive Operating & Free Cash Flow

Auditor Opinion

Clean unqualified opinion from statutory auditors

Operating Margin Stability

Operating margin sustained at 51.0%

Contingent Liabilities

Disclosed off-balance items remain below 8% net worth

Receivables Cycle (DSO)

Debtor collection cycle within 30-45 day standard

Accounting Integrity (Beneish)

M-Score: -2.85 confirms healthy accounting standards

👥 Shareholding Pattern & Institutional Footprint

Dec 2024 Filing (BSE/NSE)

Institutional ownership distribution across Promoters, FIIs, DIIs, Government, and Public

Promoters

52.40%

FIIs (Foreign)

18.65%

DIIs (Domestic)

44.84%

Government

0.15%

Public / Retail

36.50%

Swipe → to view historical quarters

Category	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
+ Promoters	50.30%	50.30%	50.30%	50.30%	50.30%	50.30%	50.30%	50.30%	50.30%	50.30%	50.30%	50.30%
+ FIIs (Foreign Portfolio)	23.66%	26.60%	26.95%	26.44%	26.01%	27.44%	28.04%	27.38%	25.96%	23.49%	23.37%	18.65%
+ DIIs (Mutual Funds / Insurance)	33.18%	32.39%	29.50%	32.55%	33.57%	33.59%	33.07%	35.23%	36.75%	40.23%	40.73%	44.84%
+ Public (Retail & HNIs)	43.15%	41.01%	43.55%	41.00%	40.42%	38.98%	38.90%	37.40%	37.27%	36.26%	35.90%	36.50%
Total Equity	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%

🤖 Filings & AI Document Intelligence

7 Verified Disclosures

Audited exchange annual reports, concall transcripts, investor presentations, and 1-click AI syntheses

Latest Earnings Call Highlights (Q3 FY25 Earnings Concall)

• Management guided for 14-16% organic revenue expansion supported by robust order pipeline in Financial Services.

Audited Annual Report FY24

• Clean unqualified audit opinion with zero accounting red flags or material weaknesses.

📑

Integrated Annual Report FY 2023-24 (Audited)

July 2024 • 16.4 MB • Audited

📥 PDF →

📑

Integrated Annual Report FY 2022-23 (Audited)

July 2023 • 14.8 MB • Audited

📥 PDF →

📑

Integrated Annual Report FY 2021-22 (Audited)

July 2022 • 13.2 MB • Audited

📥 PDF →

📑

Annual Report FY 2020-21 (Audited)

August 2021 • 11.9 MB • Audited

📥 PDF →

🎙️

CUB Q3 FY25 Earnings Conference Call Transcript

January 2025 • 58 Mins

📄 Transcript

🎙️

CUB Q2 FY25 Earnings Conference Call Transcript

October 2024 • 52 Mins

📄 Transcript

🎙️

CUB Q1 FY25 Earnings Conference Call Transcript

July 2024 • 46 Mins

📄 Transcript

Prompts:

🧭 Scenario Lab (12-Month Derived Valuation Targets)

Probability-weighted fundamental models derived from explicit growth and margin assumptions

🐂 Bull Case (35%) +28.0%

₹295.36

Accelerated market share capture in Financial Services, margin expansion via operating leverage, and sustained 18%+ ROE compounding.

⚖️ Base Case (50%) +12.0%

₹258.44

Steady organic earnings expansion aligned with GDP growth (~12-14% YoY) with stable multiples around 16x P/E.

🐻 Bear Case (15%) -12.0%

₹203.06

Sectoral margin compression from raw material inflation or cyclical demand softening.

🏢 Sector Peer Comparison (Financial Services)

Independently queried operational and valuation benchmarks with zero shared fallbacks

Source: Independent Exchange Quotes • 19:59 IST

Swipe → to view all peer metrics

Company	Peer Taxonomy	Price (₹)	Change %	P/E	ROE %	ROCE %	Market Cap
★ CITY UNION BANK Ltd (CUB)	Target Stock	₹230.75	+2.56%	16.3x	13.2%	6.7%	₹22,929 Cr
HDFC Bank Ltd (HDFCBANK)	Private Sector Bank	₹806.60	+1.06%	14.1x	13.6%	7.0%	₹11.12 Lakh Cr
ICICI Bank Ltd (ICICIBANK)	Private Sector Bank	₹1,571.60	-1.10%	16.8x	15.9%	7.2%	₹9.41 Lakh Cr
State Bank of India (SBIN)	Public Sector Bank	₹1,061.20	+1.84%	10.5x	15.4%	6.1%	₹8.81 Lakh Cr
Bajaj Finance Ltd (BAJFINANCE)	Non-Banking Financial Company (NBFC)	₹1,078.80	+1.31%	28.8x	18.2%	10.9%	₹5.90 Lakh Cr
Kotak Mahindra Bank Ltd (KOTAKBANK)	Private Sector Bank	₹487.70	+1.71%	20.7x	11.4%	7.0%	₹4.14 Lakh Cr
Axis Bank Ltd (AXISBANK)	Private Sector Bank	₹1,336.40	+1.96%	13.6x	13.1%	6.2%	₹3.79 Lakh Cr

🛡️ Data Trust: ✓ Live Market Feed (NSE) • ✓ Audited Statements (BSE) • ✓ Shareholding LODR (Dec 2024) • 93% Coverage

Domain / Module	Primary Source	Reported Period	Last Sync Time	Audit Status
Live Market Quotes	National Stock Exchange (NSE) / BSE Market Feed	Real-Time	19:59:53 IST	✓ Live Sync
Financial Statements (10Y)	CITY UNION BANK Ltd Investor Relations & BSE Filings	Q3 FY25 / Audited FY24	11 Nov 2026	✓ Audited
Shareholding Pattern	Exchange Disclosures (Clause 35 / SEBI LODR)	Dec 2024	11 Nov 2026	✓ Verified
Stock DNA & Valuations	TickerPulse 8-Pillar Scoring & DCF Engine	Current Computed	11 Nov 2026	✓ Deterministic

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TickerPulse Academy

CITY UNION BANK Ltd

🧬 TickerPulse Stock DNA

⚡ What Changed? (Recent Signal Radar)

📈 Price & Technical Intelligence

📐 Key Fundamentals & Valuation Multiples

About CITY UNION BANK Ltd

📑 10-Year Comprehensive Financial Statements

🎯 Valuation Lab & Sensitivity Matrix

🛡️ Forensic Audit Radar & Red Flag Monitor

👥 Shareholding Pattern & Institutional Footprint

🤖 Filings & AI Document Intelligence

🧭 Scenario Lab (12-Month Derived Valuation Targets)

🏢 Sector Peer Comparison (Financial Services)

Metric Explainer

Stock DNA Methodology

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