City Union Bank Limited
Momentum (82/100) does the heavy lifting; valuation (61/100) is the drag.
Buy zoneCity Union Bank Limited earns a Strong Buy from StocksWizard, with a blended score of 75/100. At ₹228.86 it trades below our blended DCF and relative-multiples fair value of ₹231, about 1% upside to that estimate — we read it as fairly valued. On 15.3x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 4% below its 52-week high of ₹238.14 and 57% above the low of ₹145.54. Financial health scores 81/100, with a Piotroski F-score of 2/9. The average analyst target of ₹237.15 implies about 4% upside across 22 analysts. It clears 7 of 10 investability checks, with durability 80, valuation 70 and momentum 82 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹184.8.
Analyst views
1-year price
EOD · 2026-07-2952-week range
-3.90% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Strong Buy75Piotroski F-score 2/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 13.2%
- No data: Low debt (D/E < 0.5)
- Pass: Positive free cash flow
- Pass: Revenue growth > 10%: 24%
- Pass: Earnings growing: 25%
- Pass: Net margin ≥ 10%: 37.6%
- No data: Current ratio > 1.5
- Pass: Below our fair value
- Fail: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 2/9
Quarterly results
Annual financials
Shareholding
- Promoter8.0%
- Institutions57.6%
- Public & other34.4%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (37.6%).
Opportunities
- Earnings growing (25% YoY).
- Revenue growing (24% YoY).
- Trading in our value buy zone versus sector peers.
Bear case
Weaknesses
- Weak Piotroski score (2/9).
About City Union Bank Limited
City Union Bank Limited operates through four segments—Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations—offering deposit products including savings, current, and salary accounts, along with fixed and recurring deposits. The bank provides loans across personal, agricultural, consumer, home, education, and working capital categories, as well as foreign currency services.
City Union Bank Limited — frequently asked questions
Is City Union Bank Limited a buy, hold or sell?
StocksWizard currently rates City Union Bank Limited (CUB) a Strong Buy, based on a blended score of 75/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is City Union Bank Limited's fair value?
Our blended DCF and relative-valuation model estimates City Union Bank Limited's fair value at about ₹231, versus a current price of ₹228.86 — roughly 1% upside. On that basis the stock looks fairly valued.
Is City Union Bank Limited financially healthy?
City Union Bank Limited scores 81/100 on our financial-health model, with a Piotroski F-score of 2/9.
How has City Union Bank Limited's share price performed?
City Union Bank Limited is up 13% over three months, and last traded at ₹228.86. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.