City Union Bank (NSE:CUB) Moat Score: 0/10 (As of Jul. 06, 2026)


NSE:CUB City Union Bank Ltd NSE:CUB
79 GF Score
Price ₹216.76
GF Value ₹173.63
Valuation Modestly Overvalued
! 4 Warning Signs
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What is City Union Bank Moat Score?

City Union Bank has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

City Union Bank has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes City Union Bank might have No Moat - No discernible moat.

City Union Bank  (NSE:CUB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

City Union Bank Moat Score Related Terms

NSE:CUB
79GF Score
City Union Bank Ltd NSE:CUB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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 ₹216.76 is trading 24.8% above its estimated GF Value™ of ₹173.63. GuruFocus considers City Union Bank to be Modestly Overvalued.

Key valuation signals for NSE:CUB:

  • Moat Score: 0
  • GF Value™: ₹173.63 vs. price of ₹216.76 (24.8% above fair value)
  • GF Score™: 79/100 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.
79GF Score

Get the complete analysis for NSE:CUB

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

₹216.76
Price
₹173.63
GF Value