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SummaryLatest NewsSector ComparisonEarnings ReportRevenue & GrowthPeersIncome StatementBalance SheetCash Flow
UCOBANK logo

UCOBANK - UCO Bank Share Price

Banks
Sharesguru Stock Score

UCOBANK

64/100

High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years

₹24.42-0.36(-1.45%)
Market Closed as of Sep 7, 2026, 15:30 IST
Pros

Buy Backs: Company has bought back it's stock in the past which is a good thing.

Profitability: Recent profitability of 9% is a good sign.

Technicals: Bullish SharesGuru indicator.

Size: Market Cap wise it is among the top 20% companies of india.

Cons

Smart Money: Smart money looks to be reducing their stake in the stock.

Momentum: Stock is suffering a negative price momentum. Stock is down -6.5% in last 30 days.

Past Returns: Underperforming stock! In past three years, the stock has provided -10.4% return compared to 6.9% by NIFTY 50.

Price to Sales Ratio

Revenue (Last 12 mths)

Net Income (Last 12 mths)

Sharesguru Stock Score

UCOBANK

64/100

High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years

Valuation

Market Cap31.07 kCr
Price/Sales (Trailing)1
EV/EBITDA1.4
Price/Free Cashflow7.1
MarketCap/EBT5.18
Enterprise Value31.07 kCr

Fundamentals

Revenue (TTM)30.99 kCr
Rev. Growth (Yr)16.8%
Earnings (TTM)2.82 kCr
Earnings Growth (Yr)8%

Profitability

Operating Margin25%
EBT Margin19%
Return on Assets0.71%
Free Cashflow Yield14.07%

Growth & Returns

Price Change 1W-2.8%
Price Change 1M-6.5%
Price Change 6M-8.9%
Price Change 1Y-12.7%
3Y Cumulative Return-10.4%
5Y Cumulative Return14%
7Y Cumulative Return7.4%
10Y Cumulative Return-4.8%

Cash Flow & Liquidity

Cash Flow from Investing (TTM)0.00
Cash Flow from Operations (TTM)4.37 kCr
Cash Flow from Financing (TTM)0.00
Free Cash Flow (TTM)4.37 kCr
Free Cash Flow/Share (TTM)3.49

Balance Sheet

Total Assets3.96 LCr

Capital Structure & Leverage

Debt Ratio0.00
Interest Coverage-0.63
Interest/Cashflow Ops1.27

Dividend & Shareholder Returns

Dividend/Share (TTM)0.44
Dividend Yield1.78%
Shares Dilution (1Y)0.00%
Shares Dilution (3Y)4.9%
Pros

Buy Backs: Company has bought back it's stock in the past which is a good thing.

Profitability: Recent profitability of 9% is a good sign.

Technicals: Bullish SharesGuru indicator.

Size: Market Cap wise it is among the top 20% companies of india.

Cons

Smart Money: Smart money looks to be reducing their stake in the stock.

Momentum: Stock is suffering a negative price momentum. Stock is down -6.5% in last 30 days.

Past Returns: Underperforming stock! In past three years, the stock has provided -10.4% return compared to 6.9% by NIFTY 50.

The Good, Bad and Ugly
Growth
Measures how quickly a company is expanding through metrics like revenue growth, earnings growth, and cash flow growth over time. Strong growth can indicate future potential.
Profitability
Shows how efficiently a company turns business activities into profit, using metrics like profit margins, return on equity (ROE), and return on assets (ROA).
Size
Indicates the company's market presence through metrics like market capitalization, total assets, and revenue. Size can influence stability and market influence.
Dilution Rank
Tracks how much the company's shares have increased or decreased over time. Lower dilution means existing shareholders maintain stronger ownership stakes.
Balance Sheet
Evaluates the company's financial health by analyzing assets, debts, and equity. A strong balance sheet indicates financial stability and flexibility.
Momentum
Measures the strength and speed of price movements, showing whether the stock is gaining or losing market favor over different time periods.
Technicals
Analyzes price patterns, trading volumes, and other market indicators to identify potential trading opportunities and market trends.
Smart Money
Tracks the investment activities of institutional investors, hedge funds, and other large financial players who often have deep research capabilities.
Insider Trading
Monitors buying and selling of company shares by executives, directors, and other insiders who may have unique insights into the company's prospects.

Investor Care

Dividend Yield1.78%
Dividend/Share (TTM)0.44
Shares Dilution (1Y)0.00%

Technical Indicators

RSI (14d)29.91
RSI (5d)26.35
RSI (21d)27.64
MACD SignalSell
Stochastic Oscillator SignalBuy
SharesGuru SignalBuy
RSI SignalBuy
RSI5 SignalBuy
RSI21 SignalBuy
SMA 5 SignalBuy
SMA 10 SignalSell
SMA 20 SignalSell
SMA 50 SignalSell
SMA 100 SignalSell

Summary of Latest Earnings Report from UCO Bank

Summary of UCO Bank's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.

Management's outlook for UCO Bank anticipates strong growth across key financial metrics for the upcoming fiscal year. The guidance for FY27 includes:

  • Deposit Growth: 10% to 12%
  • Credit Growth: 12% to 14%
  • CASA Ratio: 37% to 38%
  • RAM Growth: 62% to 65%
  • CD Ratio: 80% to 82%
  • Credit Cost: Less than 0.75%
  • Global NIM: 2.8% to 2.9%
  • Gross NPA: Less than 2%
  • Net NPA: Less than 0.2%
  • Slippage Ratio: Less than 1%
  • Recovery and Upgradation: Rs. 2,000 to Rs. 2,500 crore

In FY26, the bank reported:

  • Gross Advances Growth: 19.44%
  • Deposits Growth: 11.59%
  • CASA Ratio: 38.65%, improved by 75 bps YoY.
  • RAM Segment Growth: Over 24%
  • Profit After Tax: Rs. 2,768 crore, up 13.21% YoY
  • Operating Profit: Rs. 6,429 crore, growth of 6.49%.
  • Gross NPA: 2.17%, a reduction of 52 bps YoY.
  • Net NPA: 0.27%, down by 23 bps YoY.

Management noted strong performance in retail loans, particularly housing (up 19%) and car loans (up 71%). Future digital initiatives through the Project Parivartan aim to enhance customer experience, with 31 digital journeys completed. Additionally, a focus on improving the cost-to-income ratio, which has improved to 52.66%, reflects operational efficiency.

Despite geopolitical concerns, the leadership believes their growth targets are achievable, emphasizing robust metrics in asset quality and profitability.

I'm sorry, but I can't access or extract information from any attached documents. However, if you provide me with the text or key excerpts from the earnings transcript here, I can certainly help you summarize the major questions and answers in detail!

Revenue Breakdown

Analysis of UCO Bank's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.

No revenue data available.

Share Holdings

Understand UCO Bank ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.

Holding Pattern

Share Holding Details

Shareholder NameHolding %
PRESIDENT OF INDIA90.95%
LIFE INSURANCE CORPORATION OF INDIA LIMITED2.31%

Overall Distribution

Distribution across major stakeholders

Ownership Distribution

Distribution across major institutional holders

Is UCO Bank Better than it's peers?

Detailed comparison of UCO Bank against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.

Ticker
Name
Mkt Cap
Revenue
Price %, 1M
Returns, 1Y
P/E
P/S
Rev 1-Yr
Inc 1-Yr
UCOBANKUCO Bank31.07 kCr30.99 kCr-6.50%-12.70%-1--
UNIONBANKUnion Bank of India1.43 LCr1.3 LCr+6.50%+47.60%-1.1--
PNBPunjab National Bank1.34 LCr1.49 LCr+3.00%+13.10%-0.9--
BANKBARODABank Of Baroda1.24 LCr1.6 LCr-2.70%+2.20%-0.77--
INDIANBIndian Bank1.18 LCr80.42 kCr+3.00%+32.40%-1.47--
CANBKCanara Bank1.14 LCr1.51 LCr-2.60%+18.30%-0.75--

Sector Comparison: UCOBANK vs Banks

Comprehensive comparison against sector averages

Comparative Metrics

UCOBANK metrics compared to Banks

CategoryUCOBANKBanks
PE8.72
PS1.001.12
Growth3.1 %4.4 %
0% metrics above sector average
Key Insights
  • 1. UCOBANK is among the Top 10 Public Sector Bank companies but not in Top 5.
  • 2. The company holds a market share of 1.9% in Public Sector Bank.
  • 3. The company is growing at an average growth rate of other Public Sector Bank companies.

Income Statement for UCO Bank

Consolidated figures (in Rs. Crores) /
Description(%) Q/QMar-2026Mar-2025Mar-2024Mar-2023Mar-2022Mar-2020
Interest or discount on advances or bills--17,11714,16210,3448,322-
Revenue on investments--6,3476,1246,2236,020-
Interest on balances with RBI and others--1,5021,411902406-
Other interest--101157182233-
Total interest earned--25,06721,85417,65114,981-
Other income--4,4073,2662,5083,101-
Total income--29,47425,12020,15918,082-
Total expenditure--23,43620,54415,81813,285-
Interest expended--15,43713,75410,3078,508-
Employees cost--5,4534,8873,8733,314-
Other operating expenses--2,5461,9031,6381,462-
Operating expenses--7,9996,7905,5114,776-
Operating profit--6,0374,5764,3414,797-
Provisions other than tax and contingencies--2,2042,0071,4363,047-
Profit before tax--3,8342,5692,9051,750-
Tax expense--1,3899151,043821-
Profit after tax--2,4451,6541,862930-
Net profit (loss) for the period--2,4451,6541,862930-
Reserve excluding revaluation reserves--15,298----
CET 1 ratio--0.15980.14140.13410.1097-
Additional tier 1 ratio--034040450-
Gross non performing assets--5,9196,4637,72610,237-
Non performing assets--1,0681,6222,0183,316-
Return on assets--076056061005-
Description(%) Q/QJun-2026Mar-2026Dec-2025Sep-2025Jun-2025Mar-2025
Interest or discount on advances or bills------4,748
Revenue on investments------1,602
Interest on balances with RBI and others------369
Other interest------25
Total interest earned------6,745
Other income------1,392
Total income------8,137
Total expenditure------6,438
Interest expended------4,046
Employees cost------1,618
Other operating expenses------774
Operating expenses------2,392
Operating profit------1,699
Provisions other than tax and contingencies------663
Profit before tax------1,036
Tax expense------384
Profit after tax------652
Net profit (loss) for the period------652
Reserve excluding revaluation reserves-------
CET 1 ratio------0.1598
Additional tier 1 ratio------034
Gross non performing assets------5,919
Non performing assets------1,068
Return on assets------079
Standalone figures (in Rs. Crores) /
Description(%) Q/QMar-2026Mar-2025Mar-2024Mar-2023Mar-2022Mar-2020
Interest or discount on advances or bills8.6%18,59517,11714,16210,3448,3228,141
Revenue on investments2%6,4726,3476,1246,2236,0205,939
Interest on balances with RBI and others-25.3%1,1221,5021,411902406476
Other interest-9%92101157182233578
Total interest earned4.8%26,28125,06721,85417,65114,98115,134
Other income-21.5%3,4604,4073,2662,5083,1012,871
Total income0.9%29,74129,47425,12020,15918,08218,006
Total expenditure-0.5%23,31223,43620,54415,81813,28513,170
Interest expended4.2%16,08515,43713,75410,3078,50810,042
Employees cost-13.1%4,7415,4534,8873,8733,3141,929
Other operating expenses-2.4%2,4862,5461,9031,6381,4621,198
Operating expenses-9.7%7,2277,9996,7905,5114,7763,128
Operating profit6.5%6,4296,0374,5764,3414,7974,836
Provisions other than tax and contingencies-6.8%2,0552,2042,0071,4363,0477,272
Profit before tax14.1%4,3733,8342,5692,9051,750-2,436.83
Tax expense15.6%1,6061,3899151,0438210
Profit after tax13.2%2,7682,4451,6541,862930-2,436.83
Net profit (loss) for the period13.2%2,7682,4451,6541,862930-2,436.83
Reserve excluding revaluation reserves13.9%17,56015,418----
CET 1 ratio0.4%0.16360.16030.14140.13510.10970.0898
Additional tier 1 ratio-0.1%0230340404500
Gross non performing assets-3.9%5,6905,9196,4637,72610,23719,282
Non performing assets-34.3%7021,0681,6222,0183,3165,511
Return on assets0%079076056061034-096
Description(%) Q/QJun-2026Mar-2026Dec-2025Sep-2025Jun-2025Mar-2025
Interest or discount on advances or bills7.5%5,1184,7614,7184,6264,4914,748
Revenue on investments0.9%1,6541,6391,6531,6151,5651,602
Interest on balances with RBI and others-10.9%213239253273357369
Other interest-41.2%111828232425
Total interest earned5.1%6,9966,6566,6526,5376,4366,745
Other income138%1,6867098698849971,392
Total income17.9%8,6827,3657,5217,4217,4338,137
Total expenditure1.4%5,8735,7925,8415,8085,8716,438
Interest expended3.6%4,1884,0424,0064,0044,0334,046
Employees cost8.8%1,1621,0681,1831,2141,2761,618
Other operating expenses-23.3%523682652590562774
Operating expenses-3.7%1,6851,7501,8351,8041,8382,392
Operating profit78.7%2,8101,5731,6801,6131,5621,699
Provisions other than tax and contingencies-28%235326525588616663
Profit before tax106.6%2,5751,2471,1551,0259461,036
Tax expense331%1,919446416405339384
Profit after tax-18.1%656801740620607652
Net profit (loss) for the period-18.1%656801740620607652
Reserve excluding revaluation reserves-------
CET 1 ratio1%0.17220.16360.15180.15610.16050.1603
Additional tier 1 ratio0%02202302302903034
Gross non performing assets-0.4%5,6675,6905,8675,8955,9125,919
Non performing assets-3.7%6767028539629981,068
Return on assets-0.2%068087083071071077

Balance Sheet for UCO Bank

Consolidated figures (in Rs. Crores) /
Description(%) Q/QMar-2026Sep-2025Mar-2025Sep-2024Mar-2024Sep-2023
Total assets---362,3613,326,735,300,000323,548315,253
Cash balances with RBI---10,35910,30610,19711,892
Investments---94,15393,55792,76195,036
Advances---215,135193,030182,022162,597
Fixed assets---3,8523,8253,7813,547
Other assets---13,09515,89115,95817,406
Capital---12,54011,95611,95611,956
Reserves and surplus---18,34516,05615,25814,307
Deposits---293,542275,777263,130249,411
Borrowings---28,68721,72725,33132,857
Other liabilities and provisions---9,2477,1587,8736,722
Total capital and liabilities---362,361332,674323,548315,253
Standalone figures (in Rs. Crores) /
Description(%) Q/QMar-2026Sep-2025Mar-2025Sep-2024Mar-2024Sep-2023
Total assets7.1%395,858369,475362,4813,328,081,300,000323,691315,411
Cash balances with RBI7%10,4059,72510,35910,30610,19711,892
Investments1%98,77797,76594,27293,69192,90495,194
Advances14.2%257,763225,769215,135193,030182,022162,597
Fixed assets7%4,2003,9273,8523,8253,7813,547
Other assets-11,233-----
Other assets-18.1%11,23313,72213,09515,89115,95817,406
Capital0%12,54012,54012,54011,95611,95611,956
Reserves and surplus3.9%20,71019,92518,46516,19015,40114,465
Deposits7.2%327,563305,697293,542275,777263,130249,411
Borrowings8.6%23,31021,47428,68721,72725,33132,857
Other liabilities and provisions-11,737-----
Other liabilities and provisions19.3%11,7379,8409,2477,1587,8736,722
Total capital and liabilities7.1%395,858369,475362,481332,808323,691315,411

Cash Flow for UCO Bank

Consolidated figures (in Rs. Crores) /
Profit Before Extraord. Items And Tax-
Net Cashflows From Operations-
Net Cashflows From Operating Activities-
Net change in cash and cash eq.-
Standalone figures (in Rs. Crores) /
Profit Before Extraord. Items And Tax14.1%
Net Cashflows From Operations14.1%
Net Cashflows From Operating Activities14.1%
Net change in cash and cash eq.14.1%

What does UCO Bank do?

Public Sector Bank•Financial Services•Mid Cap

UCO Bank is a Public Sector Bank based in India, with the stock ticker UCOBANK and a market capitalization of Rs. 36,800.6 Crores. The bank is primarily involved in providing a diverse range of banking and financial services both domestically and internationally.

The bank offers various deposit products, including:

  • Current accounts
  • Saving accounts
  • Salary accounts
  • PPF accounts
  • Fixed deposits
  • Recurring deposits
  • Foreign currency accounts
  • Fee collection accounts

Additionally, UCO Bank provides a wide array of loan options such as:

  • Agriculture loans
  • Home loans
  • Education loans
  • Gold loans
  • Personal loans
  • Vehicle loans
  • Mortgage loans
  • Working capital financing
  • Term loans
  • Infrastructure finance

UCO Bank further extends its services to include life, health, and general insurance products, credit and debit cards, and internet banking. It also offers international banking services which encompass:

  • NRI banking
  • Foreign currency loans
  • Financing for exporters and importers
  • Remittances
  • Forex and treasury services
  • Resident foreign currency deposits
  • Correspondent banking services

Clients served by UCO Bank include Indian customers, corporates, NRIs, overseas corporate bodies, foreign individuals, and foreign banks. The bank also engages in government deposit schemes, pension payments, tax collection services, merchant banking, sovereign gold bonds, and mutual funds.

Founded in 1943, UCO Bank was originally named The United Commercial Bank Ltd., and it adopted its current name in December 1985. The bank is headquartered in Kolkata, India, and over the trailing 12 months, it has generated revenue of Rs. 28,321.3 Crores with a noteworthy revenue growth of 17.6%.

UCO Bank maintains a dividend policy, with a current yield of 0.63% per annum and a dividend payout of Rs. 0.28 per share over the last 12 months, reflecting its commitment to returning value to investors.

Industry Group:Banks
Employees:21,456
Website:www.ucobank.com

Important Disclosure & Data Context

This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.

Performance Comparison

UCOBANK vs Banks (2021 - 2026)

Although UCOBANK is underperforming relative to the broader Banks sector, it has achieved a 20.2% year-over-year increase.