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.
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.
City Union BankNSE:CUB -1.70%76 PB Ratio is 2.08 as of Jul. 15, 2026, which is 3% above its 10-year median of 2.02. GuruFocus rates NSE:CUB with a GF Score™ of 76/100 and a GF Value™ of ₹174.33 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,517 Banks companies, City Union Bank ranks worse than 89.91% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-15), City Union Bank's share price is ₹221.30. City Union Bank's Book Value per Share for the quarter that ended in Mar. 2026 was ₹106.64. Hence, City Union Bank's PB Ratio of today is 2.08.
Warning Sign:
City Union Bank Ltd stock PB Ratio (=2.15) is close to 5-year high of 2.18.
The historical rank and industry rank for City Union Bank's PB Ratio or its related term are showing as below:
NSE:CUB'
s PB Ratio Range Over the Past 10 Years
Min: 1.19 Med: 2.02 Max: 3.31
Current: 2.07
During the past 13 years, City Union Bank's highest PB Ratio was 3.31. The lowest was 1.19. And the median was 2.02.
NSE:CUB's PB Ratio is ranked worse than 89.91% of 1517
companies
in the Banks industry
Industry Median: 1.11
vs NSE:CUB: 2.07
During the past 12 months, City Union Bank's average Book Value Per Share Growth Rate was 11.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 12.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 12.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 12.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of City Union Bank was 20.90% per year. The lowest was 10.60% per year. And the median was 16.10% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
City Union Bank PB Ratio Related Terms
City Union Bank PB Ratio Historical Data
* Premium members only.
The historical data trend for City Union Bank's 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.
For the Banks - Regional subindustry, City Union Bank's PB Ratio, along with its competitors' market caps and 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, City Union Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where City Union Bank's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
City Union Bank's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
City Union Bank (NSE:CUB) has a PB Ratio of 2.08 as of Jul. 15, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on City Union Bank and its competitors. This is near median its historical median of 2.02. Over the past decade, City Union Bank's PB Ratio has ranged from 1.19 to 3.31. According to the industry distribution chart, City Union Bank ranks #1364 out of 1517 companies in the Banks industry, placing it in the top 89.9%.
Is City Union Bank's PB Ratio too high?
City Union Bank's current PB Ratio of 2.08 is near median its 10-year median of 2.02. Over the past 10 years, this metric has ranged from a low of 1.19 to a high of 3.31. The Banks industry median PB Ratio is 1.11. City Union Bank's value of 2.08 is 87.4% above this industry median. Based on the distribution chart, City Union Bank ranks #1364 out of 1517 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, City Union Bank has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does City Union Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, City Union Bank ranks #1364 out of 1517 companies for PB Ratio. This places City Union Bank in the lower half of its industry. The industry median PB Ratio is 1.11. City Union Bank's value of 2.08 is 87.4% above this benchmark. Historically, City Union Bank's own PB Ratio has ranged from 1.19 to 3.31 over the past decade. While the company's 10-year median is 2.02 vs. the industry median of 1.11, City Union Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. City Union Bank's current PB Ratio of 2.08 is 87.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on City Union Bank and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. City Union Bank's current PB Ratio is 2.08, which is near median its own 10-year median of 2.02. 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 ₹174.33, compared to a current price of ₹221.30 — trading 26.9% above its estimated fair value. The current PB Ratio is 2.08, which is near median its 10-year median of 2.02 and 87.4% above the Banks industry median of 1.11. City Union Bank's overall GF Score™ is 76/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For City Union Bank (NSE:CUB), the current PB Ratio is 2.08 as of Jul. 15, 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 ₹221.30 is trading 26.9% above its estimated GF Value™ of ₹174.33.
GuruFocus considers City Union Bank to be Modestly Overvalued.
Key valuation signals for NSE:CUB:
PB Ratio: 2.08 (near median its 10-year median of 2.02)
GF Value™: ₹174.33 vs. price of ₹221.30 (26.9% above fair value)
Industry Position: 87.4% above the Banks median (#1364 of 1517)
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 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.
76GF Score
Get the complete analysis for NSE:CUB
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSE:CUB has been successfully added to your 
