Last Updated2026-06-02

Market View

₹249.6(▼1.77%)

Reporting PeriodQ4 FY26

CUBCity Union Bank Limited Forensic Risk Analysis

Name: City Union Bank Limited Structural Risk Analysis
Creator: Flagium AI
License: https://creativecommons.org/licenses/by-nc-nd/4.0/

Private Sector Bank

Risk ClassStable

Market Cap₹19,943 Cr

Primary DriverGovernance

Flagium AI Risk Score

0 / 100

-1 QoQ

Improving

Sentinel Insight

Asset quality remains stable for now. Pressure is receding in governance. This indicates that forensic pressure is currently receding. Minor improvements are visible in the risk trend.

0.0th %ile (Sector)Accel: +0 Qtrs

Updated2026-06-02

Market View

₹249.6▼1.77%

PeriodQ4 FY26

Score Waterfall
Absolute contribution points of each forensic pillar to the final risk score. Derived from: Sector Baseline + Active Penalties - Mitigation Buffers.

No active forensic penalties contributing.

Final Composite Risk0 / 100

Investment Risk Thesis

Historical Trend

Current risk score has declined from 0 → 0 over 12 quarters.

Expected Direction

⚠ Watch

Primary Deterioration Drivers

GNPA Spike
NIM Compression

What to Watch Next Quarter

Operating profit margins

Active Risk Objects (2)

CriticalHigh

GNPA Spike

🔭 Relative Sector RiskQuarterlyActive for 1 Qtrs

More Detail

Impact Weight15/15

MomentumDecaying

Last SignalQ2 FY2024

CUB: GNPA rise is accelerating (QoQ rise 30 bps vs prev -34 bps).

"Asset quality signals are beginning to normalize. Historical credit costs are now receding."

NIM Compression

📊 Earnings QualityQuarterlyActive for 4 Qtrs

More Detail

Impact Weight10/15

MomentumDecaying

Last SignalQ1 FY2026

CUB: NIM declining for 3 consecutive quarters.

"Pressure on core margins is stabilizing. Monitor for sustained interest income recovery."

Risk Trajectory

Loading Chart

Resilience Matrix

Metric	Value	vs Sector	Signal
Volatility (σ)	6.73	11.47	✅ RESILIENT
Sensitivity (ε_s)	1	1.00	✅ RESILIENT
Escalation Prob.	5%	5%	✅ NEUTRAL
Safety Buffer	+66.0	+42.5	✅ RESILIENT

Forensic Benchmark Context: Private Sector Bank (n=20 peers)

Correlation Analysis
Visualizing the relationship between stock price movement and structural risk objects.

Loading Chart

Share Price

Risk Score (0-100)

Market Performance

₹249.6(-1.77%)

1M Divergence-6.93%

1 Week-1.77%

1 Month-7.59%

6 Months-7.42%

1 Year+26.84%

2 Year+77.69%

3 Year+107.53%

Sector Average (1M)-0.66%

Sentinel Forensic Assessment

ALGORITHMIC RISK PROFILE • NON-ADVISORY

The structural architecture is currently robust. Capital resilience buffers in governance remain well-maintained against forensic benchmarks. Systematic scans of structural transparency and audit trails confirm the absence of material structural stress. The current structural trajectory supports a stable risk outlook.

CUB • MARKET STRUCTURE

Stage 4 — Declining

The company is in a defensive phase. Sentiment and fundamentals are deteriorating under persistent downward pressure, indicating elevated risk levels.

Stage Transition Prob.29%

Trend QualityDeteriorating

Phase Progression

Phase Progression Score27.5%

Readiness LabelLow (Early Base Consolidation)

Probability of Advancing29%

CoinTree Momentum

Composite Z-Score-0.4962σ

Weakening momentum trend

Universe Rank#2050 of 2716

Top 75.48% in momentum strength

Timeframe Sparklines

1W-1.8%

1M-7.6%

6M-7.4%

Weinstein Indicators

150 DMA₹266.54

200 DMA₹252.25

150 DMA Slope+1.9651%Rising

Relative Strength-1.93%Neutral

Relative Turnover (RTR)1.1203

ParticipationNeutral

PEER COMPARISON

Ranked comparison against sector peers

This company appears relatively stable compared to the Sector Mean (23.5).

Ticker	Risk Score	Sector %ile	Delta	Flags	Accel	Primary Driver
CUBCity Union Bank Limited	0	0th	-1	2	+0	GovernanceStable
HDFCBANKHDFC Bank Limited	0	0th	0	9	+0	GovernanceStable
AXISBANKAxis Bank Limited	22	37th	-5	15	+0	Earnings QualityWatch
BANDHANBNKBandhan Bank Limited	25	58th	-5	14	+0	GovernanceWatch