Central Bank of India Share Price Target 2027: What Earnings Say About Rs 37.5 and Rs 44.9

Investors weighing a Central Bank of India target price for 2027 should start with where the stock sits today. At Rs 31.23 on 10 November 2026, it is 23.7% below its 52-week high of Rs 40.92 and 10.5% above its 52-week low of Rs 28.26. That range spans 45% from low to high, so the entry point matters as much as the Central Bank of India price forecast itself.

This article builds the Central Bank of India share price target from reported numbers only: five years of annual results, the last five quarters, the latest shareholding pattern and current valuation ratios from company filings and exchange data. Each scenario states its assumptions, so you can trace how the base case, the bull case and the downside risk level were reached and test them against your own view.

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Central Bank of India Stock Analysis: Company Overview and Key Stats

Central Bank of India (NSE: CENTRALBK) has a market capitalisation of Rs 28,258 crore. In FY26 it reported revenue of Rs 42,583 crore and net profit of Rs 4,531 crore. The table collects the figures the Central Bank of India share price target is built on.

Metric	Value
Company	Central Bank of India
NSE Ticker	CENTRALBK
CMP (10 November 2026)	Rs 31.23
52-Week High	Rs 40.92
52-Week Low	Rs 28.26
Market Cap	Rs 28,258 crore
PE Ratio (TTM)	5.86
Industry PE	12.46
Price to Book	0.75
Return on Equity	12.76%
EPS (TTM)	Rs 5.33
Dividend Yield	5.77%
12-Month Base Target	Rs 37.5
Bull Case	Rs 44.9
Downside Risk Level (not a target)	Rs 25.0

Why Is Central Bank of India Share Price Target Set at Rs 37.5 for 2027?

The arithmetic is short. Trailing EPS of Rs 5.33 grown for one year gives a forward EPS estimate of Rs 6.40, and multiplying it by the unchanged PE of 5.86 gives the Rs 37.5 base-case Central Bank of India stock target. The bull case adds faster earnings growth and a higher multiple, while the downside risk level assumes flat earnings and a lower multiple.

Earnings Growth Behind the Central Bank of India Target Price: Five Years of Results

Central Bank of India grew revenue from Rs 25,871 crore in FY22 to Rs 42,583 crore in FY26, a compound annual growth rate of 13.3%. Net profit grew faster, from Rs 1,083 crore to Rs 4,531 crore (43.0% a year), which shows margin gains did part of the work and not just higher sales.

Financial Year	Revenue (Rs Cr)	Net Profit (Rs Cr)	EPS (Rs)	Dividend per Share (Rs)
FY22	25,870.83	1,082.95	1.24	0.00
FY23	29,741.59	1,688.39	1.93	0.00
FY24	35,561.98	2,676.62	3.07	0.00
FY25	39,455.72	3,943.21	4.53	0.19
FY26	42,583.14	4,530.80	5.00	1.80

FY26 revenue growth was 7.9%, slower than the four-year average of 13.3%, and net profit moved up 14.9%. EPS rose from Rs 3.07 in FY24 to Rs 5.00 in FY26. The FY27 outlook for the Central Bank of India price target depends on whether that EPS estimate keeps compounding.

Margins and the Latest Quarter

Central Bank of India converted 10.6% of FY26 revenue into net profit, against 10.0% in FY25, within a five-year range of 4.2% to 10.6%.

In the September 2026 quarter, revenue was Rs 11,774 crore, up 14.9% from the same quarter a year earlier, while net profit of Rs 1,475 crore was up 21.0%. The next quarterly result is the first test of whether the earnings assumption behind the Central Bank of India stock target holds.

Balance Sheet and Cash Flow

As a lender, Central Bank of India funds its book mainly through deposits and borrowings, so debt to equity is not a meaningful gauge for it. Book value stands at Rs 41.74 per share and the price to book ratio is 0.75, and shareholders' equity grew from Rs 27,607 crore in FY22 to Rs 39,093 crore in FY26.

Valuation Check for the Central Bank of India Stock Target: PE, Price to Book and ROE

At a PE of 5.86 against an industry PE of 12.46, Central Bank of India trades at a discount to its industry. Price to book is 0.75 on a book value of Rs 41.74 per share, and return on equity is 12.76%. A PE of 5.86 equals an earnings yield of 17.1%, and the FY26 dividend of Rs 1.80 per share gives a yield of 5.77%.

Shareholding Pattern and Institutional Holding

Promoters held 81.19% of Central Bank of India in September 2026, and promoter holding fell from 89.27% in December 2025 to 81.19% in September 2026. Foreign institutional investors (FII) held 1.29% and domestic institutions (DII) held 10.62%, which puts total institutional holding at 11.91%. FII holding rose from 0.84% in December 2025 to 1.29% in September 2026. Public shareholders own the remaining 6.91%.

Central Bank of India Share Price Targets for the Short Term and 12 Months

Short Term Central Bank of India Stock Target Levels: Technical Setup

At Rs 31.23 on 10 November 2026, Central Bank of India trades above its 50-day simple moving average of Rs 30.40 and below its 200-day exponential moving average of Rs 32.89. The 14-day RSI reads 57.2, which is neutral territory, and the MACD line sits above its signal line. The nearest resistance level is Rs 32.89 (200-day exponential moving average) and the nearest support is Rs 30.40 (50-day simple moving average). A sustained move above Rs 32.89 would improve the short-term setup, while a close below Rs 30.40 would shift attention to the next support.

12 Month Central Bank of India Target Price for 2027

The 12-month target of Rs 37.5 means a move of 20.1% up from Rs 31.23 over the next 12 months. It would still leave the stock 8.4% below its 52-week high of Rs 40.92. Anyone checking the Central Bank of India share price target against their own view should focus on two inputs: the EPS estimate and the PE multiple.

How EPS Growth and PE Multiple Change the Central Bank of India Target Price

EPS Growth	PE 4.69	PE 5.86	PE 6.74
0.0% (EPS Rs 5.33)	Rs 25.0	Rs 31.2	Rs 35.9
20.0% (EPS Rs 6.40)	Rs 30.0	Rs 37.5	Rs 43.1
25.0% (EPS Rs 6.66)	Rs 31.2	Rs 39.0	Rs 44.9

Each cell multiplies the forward EPS estimate by the PE shown. Reading across a row shows what a de-rating or re-rating does to the Central Bank of India price forecast, and reading down a column shows what earnings growth is worth at a fixed multiple.

Bull Case and Downside Risk for Central Bank of India Stock Target in 2027

Bull Case Rs 44.9

The bull case Central Bank of India price target needs EPS growth of 25.0%, which lifts forward EPS to Rs 6.66, and a PE multiple that rises 15% to 6.74. That gives Rs 44.9, 43.8% above the current price and above the 52-week high of Rs 40.92, so the stock would have to set a fresh 52-week high.

Downside Risk Level Rs 25.0

The downside risk level is not a target. It assumes EPS stays flat at Rs 5.33 and the PE falls 20% to 4.69. That gives Rs 25.0, 19.9% below the current price and below the 52-week low of Rs 28.26.

Scenario	EPS Growth	PE Multiple	Price (Rs)	Change vs CMP
Bull Case	25.0%	6.74	Rs 44.9	+43.8%
Base Case	20.0%	5.86	Rs 37.5	+20.1%
Downside Risk	0.0%	4.69	Rs 25.0	-19.9%

Key Risks to the Central Bank of India Target Price for 2027

Growth Slowdown Risk for the Central Bank of India Price Target

Revenue in the September 2026 quarter was up 14.9% year on year, and FY26 revenue growth was 7.9%. If growth slows from here, the EPS estimate behind the Central Bank of India stock target will need revising.

Liquidity and Size Risk

Central Bank of India has a market capitalisation of Rs 28,258 crore. Institutional holding is 11.91%, and promoters hold 81.19%. Stocks of this size are usually liquid, though exits can take longer than entries when the market is falling.

Valuation and Margin Risk

Net margin was 10.6% in FY26, so a small slip in costs moves profit noticeably. At a PE of 5.86 versus an industry PE of 12.46, a de-rating toward the downside-risk PE of 4.69 would cut the price even if earnings hold.

Market and Technical Risk

Technical indicators add short-term risk: the 14-day RSI is 57.2 and the MACD sits above its signal line. A broad fall in the Nifty 50 or the Sensex can override company fundamentals for weeks at a time. That applies to any Central Bank of India stock target, however carefully it is built.

How to Invest in Central Bank of India

Start with the live price and volume. Any Central Bank of India share price target is only as current as the data behind it, and the data here is as of 10 November 2026, so refresh the Rs 31.23 price before acting on any level.

Next, review the fundamentals yourself. The Univest Screener lets you check Central Bank of India's PE, ROE, debt and shareholding in one place.

Check Central Bank of India fundamentals on the Univest Screener

Then compare the three Central Bank of India target price scenarios with your own view. If you expect EPS growth below 20.0%, the base case is too optimistic for you; if you expect more, the bull case deserves weight.

Decide your position size and exit levels before you buy. The support and resistance levels above can serve as reference points, but they are not recommendations.

Finally, place the order through a SEBI-registered broker or the Univest app, and review the position after each quarterly result. Consult a SEBI-registered advisor if you are unsure.

Download the Univest iOS App or Univest Android App to track Central Bank of India live price and get daily stock recommendations.

Conclusion

The Central Bank of India share price target for 2027 is Rs 37.5 in the base case, with Rs 44.9 as the bull case. The support for that view is arithmetic you can check: EPS grew 27.6% a year over FY24 to FY26, and the stock trades at a PE of 5.86. The risks are equally concrete, including a net margin of just 10.6% that leaves profit sensitive to costs and a downside scenario that cuts the price 20% if earnings stall. Use these numbers as a framework for judging the Central Bank of India price target, check them against the latest filings, and size any position to your own risk appetite.

FAQs on Central Bank of India Share Price Target 2027

What is the Central Bank of India share price target for 2027?

Ans. The base-case Central Bank of India share price target for 2027 is Rs 37.5, which is 20.1% above the price of Rs 31.23 on 10 November 2026. The bull case is Rs 44.9 and the downside risk level, which is not a target, is Rs 25.0. All three come from one method: forward EPS multiplied by a PE multiple, using only reported results. They are model estimates and not guaranteed outcomes, and the next quarterly result is the first check on the EPS assumption.

What is the Central Bank of India share price today?

Ans. As of 10 November 2026, 9:32 AM IST, Central Bank of India (NSE: CENTRALBK) trades at Rs 31.23, up 1.33% on the day. That is 23.7% below the 52-week high of Rs 40.92 and 10.5% above the 52-week low of Rs 28.26. The market capitalisation of Rs 28,258 crore places it among mid-cap stocks. Prices change through the trading session, so check the live quote before acting on any level in this article.

Is Central Bank of India a buy or sell at the current price?

Ans. The data points both ways. On the positive side, EPS has grown 27.6% a year over FY24 to FY26 and the base case implies 20.1% upside; on the cautious side, the net margin is a thin 10.6%, and the downside risk level of Rs 25.0 is 20% below the current price. Whether Central Bank of India fits your portfolio depends on your time horizon, position size and risk appetite. Consult a SEBI-registered advisor before investing, as this article is not investment advice.

What are the bull case target and downside risk level for Central Bank of India shares?

Ans. The bull case in the Central Bank of India share price target for 2027 is Rs 44.9, which assumes 25.0% EPS growth and a PE of 6.74, a 15% re-rating from today's multiple. That is 43.8% above the current price and above the 52-week high of Rs 40.92, so the stock would have to set a fresh 52-week high. The downside risk level is Rs 25.0, which assumes flat EPS and a PE of 4.69, 20% lower than today. It sits 19.9% below the current price and below the 52-week low of Rs 28.26, and it marks a risk to watch, not a target.

What are the main risks to the Central Bank of India price target?

Ans. Four risks matter most for the Central Bank of India share price target: slower revenue or profit growth, a PE de-rating, thin liquidity or size risk, and weakness in the broader market. With a market capitalisation of Rs 28,258 crore, the stock is usually liquid, though exits can take longer than entries in a falling market. A fall to the downside-risk PE of 4.69 would cut the price even if earnings hold.

What is the PE ratio of Central Bank of India and how does it compare with the industry?

Ans. The PE ratio of Central Bank of India is 5.86, against an industry PE of 12.46, which is a discount to the industry. Price to book is 0.75 and return on equity is 12.76%, and the PE equals an earnings yield of 17.1%. The base case holds the PE unchanged, so the Central Bank of India share price target moves only with earnings, while the bull and downside scenarios change the multiple by +15% and -20%.

Who owns Central Bank of India, and what is the promoter holding?

Ans. Promoters held 81.19% of Central Bank of India in September 2026. FII held 1.29%, DII held 10.62% and the public held 6.91%. Together the two institutional groups hold 11.91%. Shareholding is filed every quarter, so it is worth rechecking after each result.

What were Central Bank of India's latest quarterly results?

Ans. In the September 2026 quarter, Central Bank of India reported revenue of Rs 11,774 crore (up 14.9% year on year) and net profit of Rs 1,475 crore (up 21.0%). For comparison, FY26 full-year revenue growth was 7.9% and net profit moved up 14.9%. Each new quarter either supports or weakens the EPS growth of 20.0% assumed in the base case.