City Union Bank Share Price Target 2026: Stock Analysis, Share Price Today, Bull Case and Bear Case After Q1 FY27
- June 18, 2026
- Posted by: Lakshit Sharma
- Category: News
City Union Bank Rs 226.80 (5 Oct 2026). 52-week range Rs 158.78 to Rs 248.85. Q1 FY27 profit Rs 383 cr, up 25%. Gross NPA 1.73%.
Quick Answer
The City Union Bank share price target for 2026 is Rs 222 to Rs 259, which is between 2 percent below and 14 percent above the latest price of Rs 226.80, with bull and bear cases of Rs 301 to Rs 333 and Rs 150 to Rs 180. City Union Bank reported a record Q1 FY27 profit of Rs 383 crore, up 25 percent, with net interest income up 31 percent to Rs 820 crore, advances up 25 percent and gross NPA down to 1.73 percent from 2.99 percent. The stock jumped as much as 10 percent on the result day, is up about 40 percent in a year, and trades at 16.2 times earnings against an industry average of 12.7. No brokerage price target was available on the sources we track as of 5 October 2026, so every range below is a Univest research scenario.
The City Union Bank share price target for 2026 is Rs 222 to Rs 259 in the Univest base case, with the stock at Rs 226.80 as of about 1:12 PM IST on 5 October 2026. That is 8.9 percent below its 52-week high of Rs 248.85 and 42.8 percent above its 52-week low of Rs 158.78, and the stock moved up 40.5 percent over the past year. City Union Bank is a Tamil Nadu-based private bank focused on MSME lending, which is 37 percent of its loan book, with growing gold loans. Net interest margin was 3.78 percent and return on assets 1.57 percent in Q1 FY27.
Three things changed since the last update: Q1 FY27 results on 28 July showed record profit, gross NPA fell for the twelfth straight quarter, and the stock hit a high of Rs 248.85 in the week of 7 September. This City Union Bank stock analysis covers the City Union Bank share price today, the City Union Bank share price target for 2026, 2027 and 2030, the Q1 FY27 numbers, catalysts and risks, key price levels and a City Union Bank buy or sell view.
Click Here – Get Free Investment Predictions
What Is the City Union Bank Share Price Target for 2026?
The 2026 target for City Union Bank shares is Rs 222 to Rs 259 in the Univest base case, which is -2.1% to +14.2% against the latest price. The bull case is Rs 301 to Rs 333 and the bear case is Rs 150 to Rs 180. No brokerage price target was available on the sources we track as of 5 October 2026, so every range below is a Univest research scenario. Analyst consensus is used as a cross-check, not as the base.
City Union Bank Share Price Target Scenarios: Bull Case, Base Case and Bear Case
| Scenario | FY28E EPS | Target Multiple | Price Target (Rs) | Move vs Rs 226.80 |
|---|---|---|---|---|
| Bull Case | Rs 21.50 | 14x to 15.5x | 301 to 333 | +32.7% to +46.8% |
| Base Case | Rs 18.50 | 12x to 14x | 222 to 259 | -2.1% to +14.2% |
| Bear Case | Rs 15 | 10x to 12x | 150 to 180 | -33.9% to -20.6% |
FY28 EPS of Rs 18.50 in the base case is above trailing EPS of Rs 14.16 and the Q1 FY27 annualised figure of about Rs 15.3, assuming credit growth near 22 percent and return on assets of 1.55 to 1.65 percent. The bull case needs growth at 2 to 3 points above the industry, and the bear case assumes margin falls to 3.4 percent. The PE multiple used for each case is shown in the table, and the EPS estimate is a Univest assumption, not company guidance. Those assumptions set the City Union Bank share price target range around the current price.
City Union Bank Company Overview and Share Price Today as of 5 October 2026
City Union Bank share price today is Rs 226.80 on the NSE at about 1:12 PM IST on 5 October 2026, and it changes through the session. The market capitalisation is Rs 22,768 crore, and the stock trades at 16.2 times earnings against an industry average of 12.7 times. The Univest base case City Union Bank share price target of Rs 222 to Rs 259 is -2.1% to +14.2% from here. The table below sets out the key numbers behind the City Union Bank share price target.
| Parameter | Value | Context |
|---|---|---|
| NSE Ticker | CUB | BSE code 532210 |
| Sector | Private sector banking | Per Univest sector classification |
| Latest Price (NSE) | Rs 226.80 | 5 Oct 2026, 1:12 PM IST |
| 52-Week High | Rs 248.85 | CMP is 8.9% below |
| 52-Week Low | Rs 158.78 | CMP is 42.8% above |
| 1-Year Return | About +40% | Weekly close Rs 161.50 on 3 Oct 2025 to Rs 226.95 (adjusted for the bonus issue) |
| Market Capitalisation | Rs 22,768 crore | Mid cap private bank |
| Trailing P/E | About 16.2x | Industry P/E about 12.7x |
| P/B Ratio | About 2.16x | Book value Rs 106.63 per share |
| EPS (TTM) | Rs 14.16 | Trailing twelve months |
| Return on Equity | About 13.3% | Debt to equity Not applicable (bank) |
| Dividend Yield | About 0.65% | Dividend paid yearly |
| 12-Month Target (Base Case) | Rs 222 to Rs 259 | Univest base case |
| Bull Case | Rs 301 to Rs 333 | +32.7% to +46.8% |
| Bear Case | Rs 150 to Rs 180 | -33.9% to -20.6% |
Track live price, fundamentals and results for City Union Bank on the Univest Screener.
How Did City Union Bank Perform in Q1 FY27?
City Union Bank reported Q1 FY27 net profit of Rs 383 crore, up 25 percent from Rs 306 crore, and operating profit of Rs 581 crore, up 29 percent. Net interest income rose 31 percent to Rs 820 crore, and advances rose 25.3 percent to Rs 67,645 crore. Together these Q1 FY27 numbers anchor the City Union Bank share price target.
| Metric | Q1 FY27 | Context |
|---|---|---|
| Net Profit | Rs 383 crore | Up 25%; highest ever |
| Net Interest Income | Rs 820 crore | Up 31%; NIM 3.78% |
| Operating Profit | Rs 581 crore | Up 29% |
| Advances | Rs 67,645 crore | Up 25.3%; deposits up 21% |
| Gross NPA | 1.73% | Against 2.99%; net NPA 0.61% vs 1.20% |
| Return on Assets | 1.57% | Return on equity 14.37% |
Management guides for credit growth 2 to 3 points above the industry, NIM of 3.65 to 3.70 percent and return on assets of 1.55 to 1.65 percent for FY27. Provision coverage including technical write-offs is 85 percent, and capital adequacy is above 21 percent. The FY27 outlook from management is the main input for these estimates. These numbers sit behind every range in the scenario table above, so they anchor the City Union Bank share price target.
Why Did City Union Bank Shares Rally 40 Percent in a Year?
City Union Bank shares rallied because profit is at a record, loans are growing 25 percent and asset quality has improved for twelve straight quarters. The stock rose from Rs 161.50 in early October 2025 to Rs 248.85 in the week of 7 September 2026, with a 10 percent jump on 28 July.
It has since eased 9 percent to Rs 226.80 as the market weighs a margin guide of 3.65 to 3.70 percent against the 3.78 percent printed. The stock trades above peers at 2.2 times book. The City Union Bank share price target scenarios below account for that move.
Key Catalysts for the City Union Bank Share Price Target in 2026
4 catalysts matter most for the City Union Bank share price target, and sector tailwinds in Private sector banking are part of the case. Together they decide whether the base case is reached.
1. Credit Growth
Advances grew 25.3 percent and management targets 2 to 3 points above the industry. Gold loans and secured MSME lending drive growth. If it plays out, the City Union Bank share price target moves toward the top of the base range.
2. Asset Quality
Gross NPA fell to 1.73 percent and net NPA to 0.61 percent, with recoveries above slippages. Lower provisions lift profit. Strength here would support the upper end of the City Union Bank share price target.
3. Margin Delivery
NIM was 3.78 percent against guidance of 3.65 to 3.70 percent, and ROA was 1.57 percent. Margin at the top of guidance would lift EPS. Delivery on this point keeps the City Union Bank share price target on track.
4. Strong Capital
Capital adequacy is above 21 percent. That supports loan growth without raising equity. Better news here would lift the City Union Bank share price target toward the bull case.
What Are the Key Risks to the City Union Bank Share Price Target?
The main risks are margin guidance, deposit growth, MSME slippages and a premium valuation. Each can pull the City Union Bank share price target lower.
Margin Guidance
Management guides for NIM to settle at 3.65 to 3.70 percent, below the 3.78 percent printed. A larger fall would cut net interest income growth. If it materialises, the City Union Bank share price target would slip toward the bear case.
Deposit Growth Gap
Deposits grew 21 percent against advances at 25 percent, with the credit to deposit ratio at 85 to 86 percent. A wider gap forces costlier funding. This is the main downside risk to the City Union Bank share price target.
MSME Slippages
MSME is 37 percent of the book and the bank’s asset quality improved for 12 quarters. A reversal would lift credit cost. A worsening here would cut the City Union Bank share price target toward the low end of the range.
Premium Valuation
The stock trades at 2.2 times book and 16.2 times earnings against an industry average of 12.7 times. A de-rating toward 10 times FY28 EPS would put the price near Rs 185. Watch it closely, because it can pull the City Union Bank share price target lower quickly.
City Union Bank Stock Analysis: Support and Resistance Levels for the Share Price Target
City Union Bank stock analysis on weekly charts shows a range of Rs 211 to Rs 249 since late August, with the stock near the middle.
The first support level is Rs 210.7 to Rs 219, the lows of the weeks of 28 and 21 September. Below that, Rs 205 to Rs 207 marks the August lows, and a weekly close under Rs 210 would weaken the trend.
The first resistance level is Rs 232 to Rs 238, the highs of the weeks of 28 and 14 September. Above that, Rs 243 to Rs 249 marks the early-September highs. These levels come from weekly price action, are not trade recommendations, and frame the near-term City Union Bank share price target.
City Union Bank Share Price Target 2026, 2027 and 2030: Short, Medium and Long Term
Short-Term City Union Bank Share Price Target (3 to 6 Months)
In the near term the stock is likely to trade between Rs 211 and Rs 238, from the late-September low to the mid-September high. A close above Rs 238 would put Rs 249 in play, while a break under Rs 211 would put Rs 205 in play. The Q2 FY27 results are the main trigger. This range anchors the near-term City Union Bank share price target.
12-Month and 2027 City Union Bank Share Price Target
The 12-month target price is Rs 222 to Rs 259, valued on 12 to 14 times FY28 EPS of Rs 18.50. The range across scenarios runs from Rs 150 in the bear case to Rs 333 in the bull case.
Long-Term City Union Bank Share Price Target for FY29 to 2030
For FY29 to 2030 the Univest scenario range is Rs 300 to Rs 420. This assumes EPS of Rs 25 in FY29 and Rs 30 in FY30 and a multiple of 12 to 14 times. It needs credit growth near 20 percent and return on assets near 1.6 percent. This is the long-term City Union Bank share price target in the Univest scenarios.
Bull Case and Bear Case for City Union Bank Share Price Target
Bull Case Rs 301 to Rs 333
The bull case of Rs 301 to Rs 333 for the City Union Bank share price target needs EPS of Rs 21.50 and the market to pay 14 to 15.5 times for it. It is +32.7% to +46.8% from the latest price.
Bear Case Rs 150 to Rs 180
The bear case of Rs 150 to Rs 180 for the City Union Bank share price target equals 10 to 12 times FY28 EPS of Rs 15 and sits above the Rs 159 level of a year ago. It is -33.9% to -20.6% from the latest price.
Is City Union Bank a Good Buy at Rs 227? City Union Bank Buy or Sell View
Whether City Union Bank is a buy at Rs 226.80 depends on horizon and risk appetite. The base case implies -2 to 14 percent from here, the stock trades at 2.2 times book value, and the open question is margin. The City Union Bank share price target range is the starting point for that decision.
Long-term holders may focus on credit growth, asset quality and return on assets above 1.5 percent, and treat Rs 210 as the level to watch. Short-term traders may prefer to wait for a close above Rs 238. Check institutional holding in the September quarter filing for signs of accumulation or selling. Consult a SEBI-registered advisor before acting, since this City Union Bank buy or sell view is educational.
How to Invest in City Union Bank Shares
Step 1: Check the live price, valuation and the latest City Union Bank share price target range on the Univest Screener.
Step 2: Open a demat and trading account with a SEBI-registered broker such as Univest before acting on any City Union Bank share price target.
Step 3: Search for CUB on the NSE or 532210 on the BSE in your trading app.
Step 4: Place a limit order near your planned entry and size the position so a fall to Rs 150 is bearable.
Step 5: Track margin, asset quality and Q2 FY27 results and set price alerts on the Univest App to follow any change in the City Union Bank share price target.
Conclusion
City Union Bank closed at Rs 226.80 against a Univest base case share price target of Rs 222 to Rs 259, a bull case of Rs 301 to Rs 333 and a bear case of Rs 150 to Rs 180. Q1 FY27 delivered a record profit of Rs 383 crore, up 25 percent, with advances up 25 percent and gross NPA at 1.73 percent. The main risks are margin, the deposit gap and valuation.
The stock is 8.9 percent below its 52-week high, so the base case implies roughly -2 to 14 percent from here. The triggers to watch are margin, the Q2 FY27 results and the Rs 210 and Rs 238 levels. Re-check the City Union Bank share price target after each quarterly result. Investors with a long horizon and tolerance for volatility can track these triggers, while others may prefer to size positions carefully.
Download the Univest iOS App or Univest Android App to track City Union Bank live price and get daily stock recommendations.
Disclaimer: Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).
FAQs on City Union Bank Share Price Target 2026
What is the City Union Bank share price target for 2026?
Ans. The City Union Bank share price target for 2026 is Rs 222 to Rs 259 in the Univest base case, with a bull case of Rs 301 to Rs 333 and a bear case of Rs 150 to Rs 180. No brokerage price target was available on the sources we track as of 5 October 2026, so every range below is a Univest research scenario. These are estimates and can change after the Q2 FY27 results.
What is the City Union Bank share price target for 2027?
Ans. The City Union Bank share price target for 2027 is Rs 222 to Rs 259 in the base case, valued on 12 to 14 times FY28 EPS of Rs 18.50. The scenario range runs from Rs 150 to Rs 333.
Is City Union Bank a good buy at Rs 226.80?
Ans. Whether City Union Bank is a good buy at Rs 226.80 depends on your horizon, risk appetite and how you read the City Union Bank share price target. Q1 FY27 profit hit a record and asset quality keeps improving, but the stock trades at about 16 times earnings and 2.2 times book. Consult a SEBI-registered advisor before investing.
What are the key risks to the City Union Bank share price target?
Ans. The key risks to the City Union Bank share price target are margin guidance, deposit growth gap, msme slippages and premium valuation. Management guides for NIM to settle at 3.65 to 3.70 percent, below the 3.78 percent printed. A larger fall would cut net interest income growth.
What are the key catalysts for the City Union Bank share price target?
Ans. The key catalysts for the City Union Bank share price target are credit growth, asset quality, margin delivery and strong capital. Advances grew 25.3 percent and management targets 2 to 3 points above the industry. Gold loans and secured MSME lending drive growth.
Where can I track City Union Bank share price today and City Union Bank share price target updates?
Ans. You can track the live City Union Bank share price, results and any change to the City Union Bank share price target on the Univest Screener and the Univest App. Download the Univest iOS App or Univest Android App for research from SEBI-registered analysts.
What are City Union Bank’s 52-week high and low?
Ans. City Union Bank’s 52-week high is Rs 248.85 and its 52-week low is Rs 158.78, based on weekly NSE data. At Rs 226.80 the stock is 8.9 percent below the high and 42.8 percent above the low. Both levels frame the City Union Bank share price target.
How to buy City Union Bank shares?
Ans. Open a demat account with a SEBI-registered broker such as Univest, search for CUB on the NSE or 532210 on the BSE, and place a limit order near your entry price, using the City Union Bank share price target range as a guide. Size the position so a fall to Rs 150 is bearable, and check the live price on the Univest Screener first.