City Union BankNSE:CUB +3.52%79 Pretax Margin % is 42.70% as of Mar. 2026, which is 4% above its 10-year median of 41.01. GuruFocus rates NSE:CUB with a GF Score™ of 79/100 and a GF Value™ of ₹173.23 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,528 Banks companies, City Union Bank ranks better than 70.16% on this metric.
The historical rank and industry rank for City Union Bank's Pretax Margin % or its related term are showing as below:
NSE:CUB'
s Pretax Margin % Range Over the Past 10 Years
Min: 24.57 Med: 41.01 Max: 44.08
Current: 43.2
NSE:CUB's Pretax Margin % is ranked better than 70.16% of 1528
companies
in the Banks industry
Industry Median: 34.715
vs NSE:CUB: 43.20
City Union Bank (NSE:CUB) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
City Union Bank Pretax Margin % Related Terms
City Union Bank Pretax Margin % Historical Data
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The historical data trend for City Union Bank's Pretax Margin % 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 Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, City Union Bank's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, City Union Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where City Union Bank's Pretax Margin % falls into.
* 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 (NSE:CUB) has a Pretax Margin % of 42.70% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on City Union Bank and its competitors. This is near median its historical median of 41.01. Over the past decade, City Union Bank's Pretax Margin % has ranged from 24.57 to 44.08. According to the industry distribution chart, City Union Bank ranks #456 out of 1528 companies in the Banks industry, placing it in the top 29.8%.
Is City Union Bank's Pretax Margin % too high?
City Union Bank's current Pretax Margin % of 42.70% is near median its 10-year median of 41.01. Over the past 10 years, this metric has ranged from a low of 24.57 to a high of 44.08. The Banks industry median Pretax Margin % is 34.72. City Union Bank's value of 42.70% is 23% above this industry median. Based on the distribution chart, City Union Bank ranks #456 out of 1528 companies in the Banks industry, which is above the industry midpoint. 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 Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, City Union Bank ranks #456 out of 1528 companies for Pretax Margin %. This puts City Union Bank in the upper half of its industry. The industry median Pretax Margin % is 34.72. City Union Bank's value of 42.70% is 23% above this benchmark. Historically, City Union Bank's own Pretax Margin % has ranged from 24.57 to 44.08 over the past decade. While the company's 10-year median is 41.01 vs. the industry median of 34.72, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. City Union Bank's current Pretax Margin % of 42.70% is 23% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on City Union Bank and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. City Union Bank's current Pretax Margin % is 42.70%, which is near median its own 10-year median of 41.01. 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 ₹173.23, compared to a current price of ₹208.60 — trading 20.4% above its estimated fair value. The current Pretax Margin % is 42.70%, which is near median its 10-year median of 41.01 and 23% above the Banks industry median of 34.72. City Union Bank's overall GF Score™ is 79/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For City Union Bank (NSE:CUB), the current Pretax Margin % is 42.70% 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 ₹208.60 is trading 20.4% above its estimated GF Value™ of ₹173.23.
GuruFocus considers City Union Bank to be Modestly Overvalued.
Key valuation signals for NSE:CUB:
Pretax Margin %: 42.70% (near median its 10-year median of 41.01)
GF Value™: ₹173.23 vs. price of ₹208.60 (20.4% above fair value)
Industry Position: 23% above the Banks median (#456 of 1528)
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.
79GF Score
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