City Union Bank Ltd
Ticker: CUB
Decent
48/100
☆ Add to Watchlist
Investing Reference
Price
207.65
Market Cap
15387.88
Debt/Equity
0.0000
ROE %
12.577
PB
1.6255
Promoter %
0.000
Pledge %
0.000
1Y Rev Growth %
11.973
5Y Rev Growth %
6.784
NP Margin %
16.691
NP Margin 5Y Avg %
15.695
Trading Reference
1M Return %
4.368
6M Return %
30.795
1Y Return %
25.256
% Away 52W High
11.991
% Away 52W Low
45.301
Daily Volume
1501441
Investment Verdict
Hold
Score 73/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Watch
Score 55/100 · Position size: 10%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
City Union Bank Ltd is currently trading near its support level, with strong buying volume observed. If it breaks above the resistance level, it could see a potential upside. However, if it fails to hold the support, there could be a downside risk.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
More Options
N
Niva Bupa Health Insurance Company Ltd
Niva Bupa Health Insurance Company Ltd shows potential for growth in a favorable sector, but faces challenges in profitability and valuation metrics.
View details
T
Transformers and Rectifiers (India) Ltd
The stock presents several risks with inconsistent growth and profitability metrics, making it a risky investment at this time.
View details
R
Rainbow Children's Medicare Ltd
Rainbow Children's Medicare Ltd shows potential in a growing sector, but faces challenges in profitability and valuation metrics.
View details
S
Supreme Petrochem Ltd
Supreme Petrochem Ltd shows potential for growth but faces challenges that may impact its performance. Investors should proceed with caution.
View details
E
Elgi Equipments Ltd
Elgi Equipments Ltd shows a decent investment potential with consistent growth and profitability metrics, although some risks and governance concerns exist.
View details
T
Trident Ltd
Trident Ltd shows potential but faces challenges in growth consistency and valuation metrics. Investors should proceed with caution.
View details
F
Fine Organic Industries Ltd
Fine Organic Industries Ltd shows a decent investment potential with strong growth and profitability metrics, but caution is advised due to valuation concerns and some governance issues.
View details
S
Swan Corp Ltd
Swan Corp Ltd presents several risks and lacks strong growth and profitability metrics, making it a risky investment.
View details
P
PCBL Chemical Ltd
PCBL Chemical Ltd shows potential with a decent growth outlook, but faces challenges in profitability and execution risks.
View details
K
KSB Ltd
KSB Ltd shows a decent investment opportunity with solid growth prospects and manageable risks, but caution is advised due to some cash flow concerns and market competition.
View details
I
IFCI Ltd
IFCI Ltd presents a risky investment opportunity due to inconsistent growth, profitability concerns, and a challenging market environment.
View details
J
Jupiter Wagons Ltd
Jupiter Wagons Ltd shows potential with its involvement in a critical sector, but faces challenges in profitability and market sentiment.
View details
I
Intellect Design Arena Ltd
Intellect Design Arena Ltd shows potential in a growing sector, but inconsistencies in growth and profitability metrics warrant caution.
View details
G
Great Eastern Shipping Company Ltd
Great Eastern Shipping Company Ltd shows potential but is subject to industry volatility and execution risks.
View details
A
Aarti Industries Ltd
Aarti Industries Ltd shows a decent investment potential with strong growth prospects and profitability metrics, but investors should be cautious of governance issues and market volatility.
View details
G
Godrej Agrovet Ltd
Godrej Agrovet Ltd shows potential for growth but faces several challenges that may hinder performance.
View details
Business Overview
City Union Bank Ltd is a prominent private sector bank in India, catering to a diverse clientele including individuals, businesses, and corporates. Established in 1904, it has built a strong reputation for its customer-centric approach and innovative banking solutions. The bank plays a vital role in the financial ecosystem, promoting economic growth and financial inclusion. With a focus on technology and personalized services, City Union Bank is committed to enhancing customer experience and delivering value.
- Established in 1904, with over a century of banking experience.
- Offers a wide range of financial products and services.
- Strong emphasis on customer satisfaction and personalized banking.
- Innovative digital banking solutions for modern needs.
- Promotes financial inclusion and supports local businesses.
Investment Thesis
City Union Bank Ltd stands out with a strong promoter group and credibility, ensuring trust and stability. The bank's focus on digital services positions it well for future growth, while its attractive valuation compared to peers presents a compelling investment opportunity for retail investors.
- Strong promoter group enhances credibility and investor confidence.
- Significant growth potential in digital banking services.
- Attractive valuation compared to industry peers, offering upside potential.
- Consistent financial performance and robust asset quality.
- Strategic focus on expanding customer base and enhancing service offerings.
Opportunity vs Risk
Opportunities
- Strong growth in retail lending
- Expanding digital banking services
- Rising demand for small loans
- Improving asset quality
- Strategic partnerships with fintechs
Risks ⚠️
- High competition in banking sector
- Economic slowdown impacts loan growth
- Regulatory changes may affect operations
- Rising NPAs in the industry
- Interest rate fluctuations may impact margins
Peer Perspective
City Union Bank Ltd trades at a valuation discount compared to peers like HDFC Bank and ICICI Bank. A rerating could occur if the bank demonstrates consistent margin stability and accelerated growth in its loan book.
Future Outlook
City Union Bank Ltd is well-positioned for growth, driven by its strong retail franchise and improving asset quality. Continued focus on execution and cost control will be crucial to sustain momentum in the competitive banking landscape.
AI FAQs for Retail Users
- Q: What is City Union Bank Ltd known for?A: City Union Bank Ltd is known for its banking services, including loans, deposits, and financial products.
- Q: Is City Union Bank Ltd a good investment?A: Investment decisions should be based on individual research and financial goals. Consult a financial advisor for guidance.
- Q: What are the risks of investing in City Union Bank Ltd?A: Risks include market volatility, economic changes, and sector-specific challenges affecting banking.
- Q: How can I buy shares of City Union Bank Ltd?A: Shares can be purchased through a stockbroker or an online trading platform.
- Q: What is the dividend policy of City Union Bank Ltd?A: City Union Bank Ltd has a history of paying dividends, but future payments depend on profitability.
📊 Stock Investment Checklist (100 Points)
City Union Bank Ltd • Updated: 2025-09-17 06:29:51
-
10BusinessHighThe banking sector is evolving with digital transformation, but competition is intense.
-
10GrowthHighConsistent revenue growth, but profit margins are under pressure.
-
10ProfitabilityHighROE and ROCE are decent, but OCF is fluctuating.
-
8ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
-
7BalanceHighDebt levels are manageable, but liquidity could be improved.
-
6GovernanceGoodPromoter holding is stable, but there are concerns about disclosures.
-
5DriversGoodGrowth drivers exist, but execution risks are significant.
-
5TechnicalsGoodMarket sentiment is neutral with low liquidity.
Final Score & Verdict
Score 48 / 100
• Decent
City Union Bank Ltd shows potential for growth but faces challenges in profitability and valuation metrics. Caution is advised.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 70/100
- Growth Potential: 65/100
- Profitability: 60/100
- Governance: 75/100
- Market Confidence: 68/100