City Union Bank (NSE:CUB) Cyclically Adjusted PB Ratio: (As of Jul. 30, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSE:CUB City Union Bank Ltd NSE:CUB
75 GF Score
Price ₹228.86
GF Value ₹179.82
Valuation Modestly Overvalued
! 4 Warning Signs
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What is City Union Bank Cyclically Adjusted PB Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


City Union Bank  (NSE:CUB) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


City Union Bank Cyclically Adjusted PB Ratio Related Terms


City Union Bank Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for City Union Bank's Cyclically Adjusted PB Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

City Union Bank Cyclically Adjusted PB Ratio Chart

City Union Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.92 1.68 1.61 1.70 2.32

City Union Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 2.17 0.00 2.32 0.00

City Union Bank Cyclically Adjusted PB Ratio Competitor Comparison

For the Banks - Regional subindustry, City Union Bank's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


City Union Bank Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, City Union Bank's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where City Union Bank's Cyclically Adjusted PB Ratio falls into.


NSE:CUB
75GF Score
City Union Bank Ltd NSE:CUB
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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City Union Bank Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

City Union Bank's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, City Union Bank's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book=Book Value per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0/166.1454*166.1454
=0.000

Current CPI (Jun. 2026) = 166.1454.

City Union Bank Quarterly Data

Book Value per Share CPI Adj_Book
201609 34.023 105.961 53.348
201612 0.000 105.196 0.000
201703 36.817 105.196 58.148
201706 0.000 107.109 0.000
201709 39.529 109.021 60.241
201712 0.000 109.404 0.000
201803 42.703 109.786 64.625
201806 0.000 111.317 0.000
201809 45.816 115.142 66.111
201812 0.000 115.142 0.000
201903 49.429 118.202 69.478
201906 0.000 120.880 0.000
201909 52.849 123.175 71.286
201912 0.000 126.235 0.000
202003 53.872 124.705 71.774
202006 0.000 127.000 0.000
202009 56.589 130.118 72.258
202012 58.282 130.889 73.981
202103 59.309 131.771 74.781
202106 0.000 134.084 0.000
202109 62.628 135.847 76.596
202112 0.000 138.161 0.000
202203 66.784 138.822 79.929
202206 0.000 142.347 0.000
202209 71.070 144.661 81.625
202212 0.000 145.763 0.000
202303 75.537 146.865 85.454
202306 0.000 150.280 0.000
202309 79.908 151.492 87.637
202312 0.000 152.924 0.000
202403 85.072 153.035 92.360
202406 0.000 155.789 0.000
202409 89.917 157.882 94.623
202412 0.000 158.323 0.000
202503 95.818 157.552 101.044
202506 0.000 159.755 0.000
202509 100.459 162.289 102.846
202512 0.000 163.281 0.000
202603 106.637 164.272 107.853
202606 0.000 166.145 0.000

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

Is City Union Bank (NSE:CUB) Overvalued in 2026?

Based on GuruFocus' analysis, City Union Bank stock appears to be overvalued. The current stock price of ₹228.86 is trading 27.3% above its estimated GF Value™ of ₹179.82. GuruFocus considers City Union Bank to be Modestly Overvalued.

Key valuation signals for NSE:CUB:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: ₹179.82 vs. price of ₹228.86 (27.3% above fair value)
  • GF Score™: 75/100 with 4 warning signs

No single metric tells the full story. See the NSE:CUB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


City Union Bank Business Description

Other Exchanges 532210:India
Address Number 24 - B, Gandhi Nagar, Narayana, Kumbakonam, Thanjavur, TN, IND, 612 001
City Union Bank Ltd is a provider of banking products and services to individuals and corporations in India. The company is based in India, and generates the entirety of its revenue domestically. City Union Bank operates through four segments: Corporate banking, Treasury, Retail Banking and Other Banking Operations. Of these, Retail Banking contributes for maximum of the bank's revenues. Services offered to clients include savings and current accounts, deposits, credit, foreign deposits, auto loans, educational loans, consumer and jewel loans, life insurance, general insurance and online banking services.
75GF Score

Get the complete analysis for NSE:CUB

Cyclically Adjusted PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹228.86
Price
₹179.82
GF Value