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CUB.NS stock logo

CUB.NS

City Union Bank Limited

$270
-7.37
 (-2.66%)
[ms_data_label text=’Delayed data’]
Exchange:  NSE
Market Cap:  200.623B
Shares Outstanding:  737.899M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  N. V. Narayanan Kamakodi
Full Time Employees:  7188
Address: 
Narayana, No. 24-B
Kumbakonam
612001
IN
Website:  https://www.cityunionbank.com
City Union Bank Limited provides various banking products and services to personal and corporate clients in India. The company operates through four segments: Treasury, Corporate, Retail Banking, and Other Banking Operations. It offers savings, current, and salary accounts; fixed, flexi fix, recurring, and tax saver deposits; and NRI banking products and services. The company also provides consumer, two and four-wheeler, home, educational, personal and agricultural gold, working capital, easy business, foreign currency, agricultural term, and small road transport operator loans; cash credits, bank guarantees, letters of credit, and bills finance, as well as gold based overdrafts facilities; and international business services, including export, import, remittance, correspondent banking, and treasury risk management services. In addition, it offers locker facilities, automated teller machines (ATMs), cash deposit machines/bulk note acceptors, and point of sales services, as well as demat and insurance products and services; and debit/prepaid and credit cards. Further, the company provides cash management, payment to government, national electronic fund transfer, immediate payment, real time gross settlement, national automatic clearing house, and other tech services. As of March 31, 2022, it operated through a network of 727 branches; 1,732 ATMs, including 789 bulk note recycler machines; 610 passbook kiosks; and 589 cheque deposit kiosks. The company was formerly known as The Kumbakonam City Union Bank Limited and changed its name to City Union Bank Limited in November 1987. City Union Bank Limited was incorporated in 1904 and is based in Kumbakonam, India.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202420252026
Revenue60,121,94867,320,55579,085,857
Gross Profit28,650,94032,137,26335,256,611
EBITDA13,061,21114,982,15717,786,310
Operating Income12,307,30914,166,26316,712,310
Net Income10,157,30911,236,26313,262,310

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(* All numbers are in thousands)

Balance Sheet

Year202420252026
Total Assets708,258,685776,232,149970,243,952
Total Liabilities624,244,370681,565,977864,595,320
Total Stockholders Equity84,014,31594,666,172105,648,632
Total Debt47,241,57722,647,85853,267,979
Cash and Cash Equivalents69,435,27052,905,42789,270,692

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Cash Flow Statement

Year202420252026
Operating Cash Flow4,361,990-67,410,10016,220,200
Capital Expenditure-1,682,966-1,977,800-3,525,400
Free Cash Flow2,679,024-69,387,90012,694,800
Net Income10,157,30911,236,26213,262,310
Net Change in Cash2,942,521-16,529,7700

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2030Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)72,505,692.084Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)79,645,585.806Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)76,036,000Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)16,112,396.437Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)17,699,041.497Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)16,896,910.301Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)25,231,170.321Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)28,509,028.863Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)26,851,902.036Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)12,625,564.892Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)13,868,849.232Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)13,240,304.651Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)36.100Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)38.330Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)33.920Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)3Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
  ?P/S
 (TTM)
: 
2.54
?Net Income
 (TTM)
: 
  ?P/E
 (TTM)
: 
15.24
?Enterprise Value
 (TTM)
: 
164.922B  ?EV/FCF
 (TTM)
: 
-3.93
?Dividend Yield
 (TTM)
: 
0.01  ?Payout Ratio
 (TTM)
: 
0.12
?ROE
 (TTM)
: 
0.13  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
0.22
?P/B
 (TTM)
: 
1.93  ?Current Ratio
 (TTM)
: 

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Forward P/E Ratios

?

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Forward P/E 1YFull AccessFull AccessFull AccessFull Access
N/AFull AccessFull AccessFull AccessFull Access

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SWOT Analysis

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Common questions about CUB.NS valuation

Is CUB.NS (CUB.NS) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for CUB.NS (CUB.NS) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

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MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether CUB.NS trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is CUB.NS’s P/E ratio?

You can see CUB.NS’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for CUB.NS?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

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Whether CUB.NS fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

CUB.NS

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-2.66
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