City Union Bank (NSE:CUB) E10: ₹9.81 (As of Mar. 2026)


NSE:CUB City Union Bank Ltd NSE:CUB
79 GF Score
Price ₹198.85
GF Value ₹172.84
Valuation Modestly Overvalued
! 2 Warning Signs
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What is City Union Bank E10?

City Union Bank NSE:CUB -2.81% 79 E10 is ₹9.81 as of Mar. 2026. GuruFocus rates NSE:CUB with a GF Score™ of 79/100 and a GF Value™ of ₹172.84 (Modestly Overvalued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

City Union Bank's adjusted earnings per share data for the three months ended in Mar. 2026 was ₹3.623. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₹9.81 for the trailing ten years ended in Mar. 2026.

During the past 12 months, City Union Bank's average E10 Growth Rate was 11.50% per year. During the past 3 years, the average E10 Growth Rate was 9.50% per year. During the past 5 years, the average E10 Growth Rate was 9.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of City Union Bank was 9.50% per year. The lowest was 7.50% per year. And the median was 8.75% per year.

As of today (2026-06-28), City Union Bank's current stock price is ₹198.85. City Union Bank's E10 for the quarter that ended in Mar. 2026 was ₹9.81. City Union Bank's Shiller PE Ratio of today is 20.27.

During the past 13 years, the highest Shiller PE Ratio of City Union Bank was 28.69. The lowest was 11.91. And the median was 16.38.


City Union Bank  (NSE:CUB) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

City Union Bank's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=198.85/9.81
=20.27

* 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.

During the past 13 years, the highest Shiller P/E Ratio of City Union Bank was 28.69. The lowest was 11.91. And the median was 16.38.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


City Union Bank E10 Related Terms


City Union Bank E10 Historical Data

* Premium members only.

The historical data trend for City Union Bank's E10 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 E10 Chart

City Union Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.83 7.47 8.11 8.80 9.81

City Union Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 8.80 9.05 9.36 9.58 9.81

City Union Bank E10 Competitor Comparison

For the Banks - Regional subindustry, City Union Bank's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where City Union Bank's Shiller PE Ratio falls into.


NSE:CUB
79GF Score
City Union Bank Ltd NSE:CUB
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

City Union Bank E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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.

For example, City Union Bank's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=3.623/164.2724*164.2724
=3.623

Current CPI (Mar. 2026) = 164.2724.

City Union Bank Quarterly Data

per share eps CPI Adj_EPS
201606 1.246 105.961 1.932
201609 1.377 105.961 2.135
201612 1.283 105.196 2.004
201703 1.302 105.196 2.033
201706 1.561 107.109 2.394
201709 1.643 109.021 2.476
201712 1.725 109.404 2.590
201803 1.555 109.786 2.327
201806 1.815 111.317 2.678
201809 1.718 115.142 2.451
201812 1.823 115.142 2.601
201903 1.740 118.202 2.418
201906 1.868 120.880 2.539
201909 1.950 123.175 2.601
201912 1.935 126.235 2.518
202003 -0.975 124.705 -1.284
202006 1.553 127.000 2.009
202009 1.590 130.118 2.007
202012 1.710 130.889 2.146
202103 1.125 131.771 1.402
202106 1.733 134.084 2.123
202109 1.823 135.847 2.204
202112 1.965 138.161 2.336
202203 2.108 138.822 2.494
202206 2.258 142.347 2.606
202209 2.775 144.661 3.151
202212 2.190 145.763 2.468
202303 2.205 146.865 2.466
202306 2.288 150.280 2.501
202309 2.813 151.492 3.050
202312 2.543 152.924 2.732
202403 2.565 153.035 2.753
202406 2.655 155.789 2.800
202409 2.865 157.882 2.981
202412 2.873 158.323 2.981
202503 2.895 157.552 3.018
202506 3.075 159.755 3.162
202509 3.308 162.289 3.348
202512 3.345 163.281 3.365
202603 3.623 164.272 3.623

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of ₹9.81 mean?
City Union Bank (NSE:CUB) has a E10 of ₹9.81 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on City Union Bank and its competitors.
Is City Union Bank's E10 too high?
City Union Bank's current E10 is ₹9.81. Overall, City Union Bank has a GF Score™ of 79/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does City Union Bank's E10 compare to competitors?
City Union Bank's E10 of ₹9.81 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on City Union Bank and its competitors. City Union Bank's current E10 is ₹9.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is City Union Bank stock overvalued right now?
Based on GuruFocus' analysis, City Union Bank (NSE:CUB) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹172.84, compared to a current price of ₹198.85 — trading 15% above its estimated fair value. The current E10 is ₹9.81. City Union Bank's overall GF Score™ is 79/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For City Union Bank (NSE:CUB), the current E10 is ₹9.81 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

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 ₹198.85 is trading 15% above its estimated GF Value™ of ₹172.84. GuruFocus considers City Union Bank to be Modestly Overvalued.

Key valuation signals for NSE:CUB:

  • E10: ₹9.81
  • GF Value™: ₹172.84 vs. price of ₹198.85 (15% above fair value)
  • GF Score™: 79/100 with 2 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.
79GF Score

Get the complete analysis for NSE:CUB

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹198.85
Price
₹172.84
GF Value