City Union Bank Share Price Target 2024, 2025, 2026 To 2030

City Union Bank Limited is a prominent banking institution operating in India. Established in 1904, the bank offers a range of financial services through its diverse segments, including Treasury, Corporate and Wholesale Banking, Retail Banking, and Other Banking Operations.

This article provides a comprehensive overview of City Union Bank, exploring its history, business segments, financial performance, key offerings, and strategic initiatives. By delving into various aspects of the bank’s operations, we aim to provide a detailed understanding of its role and significance in the banking sector.

About City Union Bank

City Union Bank Limited, with its strong foothold in southern India, operates a network of 727 branches and 1,732 ATMs across the country, primarily concentrated in Tamil Nadu where it has 495 branches. The bank’s strategic focus lies in lending to the MSME sector, retail and wholesale trade, and agriculture. Notably, MSME lending constitutes the largest share of its loan portfolio at 39%, followed by agriculture at 18%. The bank also actively supports wholesale trade, providing short-term and long-term credit to facilitate business growth. With a commitment to fostering economic development in semi-urban regions, City Union Bank’s branch distribution reflects its dedication to serving local communities.

In terms of financial performance, key ratios indicate a healthy position. The Capital Adequacy Ratio stands at approximately 21%, ensuring sufficient capital to support its lending activities. The Net Interest Margin of around 4% reflects the bank’s ability to generate income from its interest-earning assets. However, the Gross NPA at 5% and Net NPA at 3% highlight the ongoing challenges in managing asset quality, an area that the bank continues to address through prudent risk management practices. The bank’s CASA Ratio of 32% indicates a healthy proportion of low-cost deposits, which is beneficial for overall profitability and stability.

How to Purchase City Union Bank Shares in India?

Below are the trading platforms that you can use to purchase City Union Bank shares:

➤ Zerodha

➤ Upstox

➤ Groww

➤ AngelOne

➤ ICICIDirect

City Union Bank Share Price Prediction: 2024 – 2030

City Union Bank Share Price Target 2024

When	Maximum Price	Minimum Price
May 2024	167.40	145.57
June 2024	173.43	150.81
July 2024	171.69	149.30
August 2024	178.56	155.27
September 2024	185.70	161.48
October 2024	182.06	158.31
November 2024	187.52	163.06
December 2024	192.21	167.14

In 2024, City Union Bank’s share price exhibited a range of fluctuations, with the highest being ₹192.21 in December and the lowest at ₹145.57 in May. Over subsequent months, the price fluctuated between these extremes, reflecting volatility in the market. Looking forward, the upward trend in the latter part of the year, peaking at ₹192.21, could suggest a positive trajectory.

As of May 14th, 2025, the current price stands at ₹155, indicating a somewhat stable position relative to the year’s highs and lows. The bank’s market capitalization in 2024 was ₹11,470 crore, and the stock’s P/E ratio was 11.7, representing a moderate valuation.

City Union Bank Share Price Target 2025

When	Maximum Price	Minimum Price
January 2025	196.06	150.81
February 2025	201.08	154.68
March 2025	208.92	160.71
April 2025	204.83	157.56
May 2025	198.86	152.97
June 2025	207.81	159.85
July 2025	203.74	156.72
August 2025	210.04	161.57
September 2025	217.39	167.22
October 2025	223.04	171.57
November 2025	228.62	175.86
December 2025	234.33	180.26

In 2025, City Union Bank’s share price demonstrated a robust upward trajectory throughout the year, reflecting positive market sentiment and growth prospects. The year began with a minimum price of ₹150.81 in January and reached a maximum of ₹234.33 by December, showing consistent monthly increases. This steady climb indicates strong investor confidence and possibly favorable financial performance by the bank.

Notably, the bank’s exposure within its loan book highlights a strategic focus, with 10% allocated to the textile industry, 4% to metals and metal products, 2% to engineering, and the remainder spread across various sectors. This diversified exposure likely contributes to the bank’s stability and potential for continued growth.

City Union Bank Share Price Target 2026

When	Maximum Price	Minimum Price
January 2026	241.36	185.66
February 2026	247.55	190.42
March 2026	257.21	197.85
April 2026	252.16	193.97
May 2026	244.82	188.32
June 2026	255.83	196.80
July 2026	250.82	192.94
August 2026	258.58	198.90
September 2026	267.63	205.87
October 2026	274.58	211.22
November 2026	281.45	216.50
December 2026	288.48	221.91

City Union Bank’s share price in 2026 displayed significant growth and stability, with prices steadily climbing throughout the year. Starting from a minimum of ₹185.66 in January, the share price reached a high of ₹288.48 by December, showcasing consistent monthly increases. This upward trend reflects positive market sentiment and likely corresponds to strong financial performance and investor confidence in the bank.

Additionally, City Union Bank expanded its business scope in FY22 by entering into a bancassurance agreement with various insurance providers, leveraging its branch network for insurance product distribution. The bank’s domestic treasury focus, with a substantial investment in government bonds, underscores its conservative yet strategic approach to asset management.

City Union Bank Share Price Target 2027

When	Maximum Price	Minimum Price
January 2027	294.25	226.35
February 2027	301.80	232.15
March 2027	313.57	241.21
April 2027	307.42	236.48
May 2027	298.47	229.59
June 2027	311.90	239.92
July 2027	305.78	235.22
August 2027	315.24	242.49
September 2027	326.27	250.98
October 2027	334.76	257.50
November 2027	343.12	263.94
December 2027	351.70	270.54

In 2027, City Union Bank’s share price demonstrated remarkable growth and stability, with the price consistently climbing each month. Starting from a low of ₹226.35 in January, the share price rose steadily, reaching a high of ₹351.70 by December. This upward trend reflects strong investor confidence and positive market sentiment towards the bank.

Additionally, City Union Bank has strategically focused on strengthening its capital base, with plans to raise equity capital through a Qualified Institutional Placement (QIP) of ₹500 crore, as announced in July 2022. This initiative underscores the bank’s commitment to enhancing its financial resources and capital adequacy to support its continued growth and expansion.

City Union Bank Share Price Target 2028

When	Maximum Price	Minimum Price
January 2028	358.74	275.95
February 2028	367.94	283.03
March 2028	382.28	294.07
April 2028	374.79	288.30
May 2028	363.87	279.90
June 2028	380.25	292.50
July 2028	372.79	286.76
August 2028	384.32	295.63
September 2028	397.77	305.98
October 2028	408.11	313.93
November 2028	418.32	321.78
December 2028	428.77	329.83

• January 2028: ₹275.95 (Minimum)
• December 2028: ₹428.77 (Maximum)

City Union Bank Share Price Target 2029

When	Maximum Price	Minimum Price
January 2029	437.35	336.42
February 2029	448.56	345.05
March 2029	466.06	358.51
April 2029	456.92	351.48
May 2029	443.61	341.24
June 2029	463.57	356.60
July 2029	454.48	349.60
August 2029	468.54	360.42
September 2029	484.94	373.03
October 2029	497.55	382.73
November 2029	509.99	392.30
December 2029	522.74	402.10

• January 2029: ₹336.42(Minimum)
• December 2029: ₹522.74 (Maximum)

City Union Bank Share Price Target 2030

When	Maximum Price	Minimum Price
January 2030	533.19	410.15
February 2030	546.86	420.66
March 2030	568.19	437.07
April 2030	557.05	428.50
May 2030	540.82	416.02
June 2030	565.16	434.74
July 2030	554.08	426.22
August 2030	571.22	439.40
September 2030	591.21	454.78
October 2030	606.58	466.60
November 2030	621.75	478.27
December 2030	637.29	490.22

• January 2030: ₹410.15 (Minimum)
• December 2030: ₹637.29 (Maximum)

Financial Condition of City Union Bank: Last 5 Years

Financials	2019	2020	2021	2022	2023
Revenue (Rs. Crores)	3,767	4,169	4,135	4,105	4,714
Interest (Rs. Crores)	2,156	2,493	2,305	2,188	2,552
Expenses (Rs. Crores)	1,140	1,690	1,738	1,605	1,723
Other Income (Rs. Crores)	514	680	689	759	810
Depreciation (Rs. Crores)	62	79	87	85	73
Profit Before Tax (Rs. Crores)	925	586	693	985	1,177
Net Profit (Rs. Crores)	683	476	593	760	937
EPS (Rs)	9.30	6.46	8.02	10.28	12.66
Dividend Payout (%)	5	8	6	10	8

• City Union Bank has shown consistent revenue growth over the past five years, with revenues increasing from ₹3,767 crores in 2019 to ₹4,714 crores in 2023.
• Despite fluctuations in interest expenses and operating costs, the bank has maintained a positive trend in profitability, with net profit rising from ₹683 crores in 2019 to ₹937 crores in 2023.
• Earnings per share (EPS) have also improved steadily over this period.
• The bank’s dividend payout ratio has been moderate and stable, ranging between 5% and 10% across the years.
• City Union Bank’s financial strength is further highlighted by its compounded sales growth and profit growth rates over the last decade, with continued improvement in revenues and profitability.
• Although recent stock price performance has faced challenges, the bank’s return on equity remains solid, reflecting efficient utilization of shareholder funds to generate returns.

FAQs

What is City Union Bank’s current market capitalization?

City Union Bank’s current market capitalization stands at approximately ₹11,470 crores, reflecting its value in the stock market.

What is the current share price target for City Union Bank?

The current share price target for City Union Bank reflects its potential growth and investor sentiment.

What is the projected share price target for City Union Bank in 2025?

City Union Bank’s share price target for 2025 ranges from ₹196.06 to ₹234.33, based on historical trends.

What is the projected share price target for City Union Bank in 2030?

The projected share price target for City Union Bank in 2030 ranges from ₹533.19 to ₹637.29, reflecting long-term growth prospects.

What is City Union Bank’s current Price-to-Earnings (P/E) ratio?

The current Price-to-Earnings (P/E) ratio for City Union Bank is 11.7, indicating a moderate valuation.

What is City Union Bank’s dividend payout percentage?

City Union Bank’s dividend payout percentage ranges between 5% and 10% over recent years.

How has City Union Bank’s revenue grown over the past five years?

City Union Bank’s revenue has shown consistent growth, increasing from ₹3,767 crores in 2019 to ₹4,714 crores in 2023.

What is the trend in City Union Bank’s net profit over the last five years?

City Union Bank’s net profit has steadily increased from ₹683 crores in 2019 to ₹937 crores in 2023.

How has City Union Bank’s earnings per share (EPS) changed over the past five years?

City Union Bank’s EPS has improved steadily, rising from ₹9.30 in 2019 to ₹12.66 in 2023.

What is the compounded sales growth rate of City Union Bank over the last decade?

City Union Bank’s compounded sales growth rate over the last decade is 8%.

What is the compounded profit growth rate of City Union Bank over the last five years?

City Union Bank’s compounded profit growth rate over the last five years is 10%.

What is City Union Bank’s return on equity (ROE) over recent years?

City Union Bank’s return on equity (ROE) has remained solid, averaging around 12% over the past few years.

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Strategic Outlook: Conclusion and Financial Assessment

In conclusion, City Union Bank Limited stands as a cornerstone of India’s banking sector, tracing its roots back to 1904. With a robust network spanning 727 branches and 1,732 ATMs nationwide, predominantly concentrated in Tamil Nadu, the bank has cemented its strategic focus on lending to key sectors like MSMEs, retail, wholesale trade, and agriculture. This dedicated approach is reflected in the bank’s loan portfolio, with MSMEs constituting the largest share at 39%.

Despite facing challenges in asset quality, as indicated by a Gross NPA of 5% and Net NPA of 3%, City Union Bank maintains a healthy Capital Adequacy Ratio of 21% and a commendable CASA Ratio of 32%. The bank’s moderate valuation, with a P/E ratio of 11.7, coupled with a diverse loan exposure across various sectors, underscores its prudent investment strategy.

Looking ahead, City Union Bank’s initiatives in bancassurance and domestic treasury investments signal a proactive stance towards expansion and diversification. However, the bank confronts hurdles such as a low interest coverage ratio, sluggish sales growth over the past five years, and a modest return on equity in recent years.

Despite these complexities, City Union Bank remains poised for growth, leveraging its regional presence and strategic investments to navigate evolving market dynamics with resilience and foresight.