AI Summary
✦ ClarthaCity Union Bank is an Indian private-sector bank serving retail, corporate, and treasury customers. Retail banking monetizes deposits and consumer, housing, gold, and agricultural loans, while corporate banking generates working-capital, trade-finance, and business-loan income. Treasury adds foreign-exchange, remittance, correspondent-banking, and investment activity. Revenue grew 20.3% year-on-year, while profit increased 18.0%; stable margins indicate growth without recent operating-margin expansion. ROE and debt-to-equity are unavailable, preventing assessment of shareholder returns or leverage impact. Earnings growth trails revenue growth, suggesting limited operating leverage despite stable reported margins. At 15.3x earnings, valuation appears fair against current growth, neither demanding nor discounted. The key open question is whether retail and corporate loan expansion can sustain profit growth without future credit-cost or margin pressure.
Price Forecast
Probabilistic Range
Probabilistic lognormal cone using 1Y realized volatility and analyst-target drift when available.
Revenue Forecast
₹ CrEPS Forecast
₹ / shareMulti-factor synthesis of 5 key dimensions
From 23 analysts
Fundamentals
Fundamentals institutional score is 87 using growth durability 86.7.
Valuation
Valuation institutional score is 26 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 67 using mean target upside 18.4%; dispersion penalty 15.3; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 78 using EMA-20 continuation within 5% tolerance; VCP range/volume contraction proxy.
Market Sentiment
Recent news flow is balanced or not decisive enough to tilt the tape. Based on 3 recent ticker-linked news items.
Signal Summary
Market intelligence remains Neutral. fundamentals and analyst consensus provide support, while valuation and market sentiment remain considerations.
Composite weights: Fundamentals 25%, Valuation 20%, Analyst Consensus 20%, Technical Structure 20%, Market Sentiment 15%.
Key Data Points
Important Note: This is market intelligence, not investment advice. Always conduct your own research and consider your financial goals and risk tolerance.
Valuation Metrics
Trading 70.2% above historical median. Valuation is rising — currently in the strongly overvalued zone (z-score: +1.86). Confidence: 73%.
Live forward EPS implies next-12-month EPS of ₹19.35. Applying the stock's normalized valuation corridor produces a fair range of ₹152.67 to ₹244.39, with base value near ₹173.38 (-19.7% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹19.35
Forward P/E
11.2x
Base Fair Value
₹173.38
Fair Range
₹152.67 - ₹244.39
Upside To Base
-19.7%
Estimate Source
Live forward EPS
Growth Estimate
+25.2%
5Y Average
1.85
Current
2.02
Overvalued
2.13
Undervalued
1.58
5Y Average
9.25
Current
15.25
Overvalued
12.63
Undervalued
7.89
5Y Average
3.49
Current
5.76
Overvalued
3.86
Undervalued
2.69
Peers & Comparison
Sector: Financials · Theme: Private Banks
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
FEDERAL BANK LTD FEDERALBNKPrivate Banks | +21.4% | 30.7% | 19.1x Fair | -14% vs avg | +80.7% |
IDBI BANK LIMITED IDBIPrivate Banks | — | 48.6% | 9.5x Undervalued | -57% vs avg | -6.1% |
BANDHAN BANK LIMITED BANDHANBNKPrivate Banks | +21.6% | 13.6% | 21.0x Fair | -5% vs avg | +5.0% |
YES BANK LIMITED YESBANKPrivate Banks | +19.8% | 23.2% | 19.1x Fair | -14% vs avg | +20.8% |
J & K BANK LTD. J&KBANKPrivate Banks | — | 34.2% | 7.5x Undervalued | -66% vs avg | +51.3% |
IDFC FIRST BANK LIMITED IDFCFIRSTBPrivate Banks | -1.1% | 32.8% | 33.1x Premium | +49% vs avg | +20.6% |
CSB BANK LIMITED CSBBANKPrivate Banks | +16.9% | 24.1% | 8.3x Undervalued | -63% vs avg | -15.7% |
INDUSIND BANK LIMITED INDUSINDBKPrivate Banks | +1.0% | 7.6% | 60.0x Premium | +170% vs avg | +30.4% |
CITY UNION BANK LTD trades at a discount (15.3x vs peer avg 22.2x), suggesting potential undervaluation relative to the Private Banks cohort. Peers include FEDERAL BANK LTD, IDBI BANK LIMITED, BANDHAN BANK LIMITED — selected based on business model, industry classification, market cap similarity, and business theme alignment.
Financials
Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.
Latest revenue
₹1.99K CrJun 2026Latest net profit
₹383 CrJun 2026Free cash flow
₹595 CrMar 2026Net Profit
₹383 CrProfit conversionPerformance
Bars show revenue and net profit. The line shows net margin.
- Revenue
- Net income
- Net margin %
Revenue to profit conversion
Bridge from operating numbers to profit for the latest reported period.
Latest reported period: Jun 2026
Debt level and coverage
Debt, cash and free cash flow compared on the same crore scale.
- Free cash flow
- Cash & equivalents
Results
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 1,266 | 1,304 | 1,326 | 1,374 | 1,389 | 1,434 | 1,479 | 1,533 | 1,605 | 1,653 | 1,756 | 1,856 | 1,985 |
| Interest | 744 | 766 | 810 | 828 | 843 | 851 | 891 | 932 | 980 | 987 | 1,004 | 1,070 | 1,165 |
| Expenses + | 452 | 390 | 391 | 402 | 403 | 451 | 455 | 489 | 488 | 512 | 580 | 617 | 561 |
| Financing Profit | 71 | 149 | 125 | 145 | 142 | 132 | 133 | 112 | 137 | 154 | 172 | 169 | 259 |
| Financing Margin % | 6% | 11% | 9% | 11% | 10% | 9% | 9% | 7% | 9% | 9% | 10% | 9% | 13% |
| Other Income + | 191 | 182 | 193 | 175 | 192 | 226 | 228 | 251 | 244 | 259 | 245 | 290 | 244 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 262 | 331 | 318 | 320 | 334 | 358 | 361 | 363 | 381 | 414 | 417 | 460 | 503 |
| Tax % | 13% | 15% | 20% | 20% | 21% | 20% | 21% | 21% | 20% | 21% | 20% | 22% | 24% |
| Net Profit + | 227 | 281 | 253 | 255 | 264 | 285 | 286 | 288 | 306 | 329 | 332 | 360 | 383 |
| EPS in Rs | 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 |
| Gross NPA % | 4.91% | 4.66% | 4.47% | 3.99% | 3.88% | 3.54% | 3.36% | 3.09% | 2.99% | 2.42% | 2.17% | 1.91% | 1.73% |
| Net NPA % | 2.51% | 2.34% | 2.19% | 1.97% | 1.87% | 1.62% | 1.42% | 1.25% | 1.20% | 0.90% | 0.78% | 0.68% | 0.61% |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Announcement under Regulation 30 (LODR)-Earnings Call Transcript
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome