UCO Bank

•

uco.bank.inBSE: 532505NSE: UCOBANK

Market Cap₹ 30,070 Cr.

Current Price

High / Low₹ 34 / 22

Stock P/E12.2

Book Value₹ 22

Price to Book1.61

Dividend Yield1.83 %

ROCE11.1 %

ROE9.4 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2025 • Corporate/Wholesale Banking: 38.4% • Other Retail Banking-Retail Banking: 33.3% • Treasury: 28.1%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Comfortable capital adequacy - CAR of 18.6%
Company has consistently been profitable over the last 5 years
Strong provisioning - provision coverage ratio of 96.7%
Healthy loan book growth of 19.8% with stable asset quality
Company generates healthy free cash flow
Attractively priced for its growth - PEG of 0.3

CONS

A large part of profit comes from other income (114.9% of PBT)
Weak return ratios for a lender: 3Y avg ROA 0.6%
Operating margins have contracted to 24.1% from 32.0%
Company's return on assets is weak at 0.7%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesBankBank - Public

Part ofNIFTY TOTAL MKT BSE Enhanced Value Index NIFTY PSU BANK NIFTY 500 NIFTY SMLCAP 250

S.No.	Name
1.	SBIN	997.00	10.68	920292.57	1.74	24579.04	13.65	136240.49	8.36	12.16	52.34
2.	UNIONBANK	178.00	6.58	135878.18	2.81	5368.17	29.77	27427.10	1.21	14.57	69.42
3.	PNB	116.65	6.07	134065.18	2.57	5339.15	191.40	33589.17	3.12	13.26	75.40
4.	BANKBARODA	237.80	6.77	122974.99	3.57	1572.59	-53.08	35114.52	6.84	11.20	33.10
5.	INDIANB	852.90	8.99	114882.56	2.14	3299.48	48.73	18095.14	11.11	16.28	67.14
6.	CANBK	123.90	5.66	112385.37	3.39	4864.08	61.96	32957.16	4.55	14.46	68.47
7.	MAHABANK	84.17	8.59	64739.82	2.61	2020.54	26.83	8034.65	13.90	16.53	68.61
8.	IOB	33.13	10.71	63797.08	0.00	1659.24	49.25	8777.57	18.82	11.31	54.56
9.	BANKINDIA	139.80	5.40	63646.30	3.33	3138.46	77.92	20096.90	8.83	10.97	73.18
10.	UCOBANK	23.98	12.18	30069.86	1.83	652.43	24.09	6744.59	15.10	11.00	54.71
11.	CENTRALBK	30.75	6.10	27833.06	3.90	1328.95	5.43	9725.90	12.79	8.27	67.83
12.	PSB	22.78	11.68	16163.74	1.71	331.51	23.16	3213.37	10.40	9.07	71.38

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
	3,773	3,851	4,185	4,627	4,987	5,224	5,219	5,552	5,860	6,024	6,078	6,220	6,745
Interest Expended	2,120	2,202	2,415	2,675	3,015	3,215	3,302	3,564	3,672	3,770	3,778	3,842	4,046
Net Interest Income	1,652	1,650	1,770	1,952	1,972	2,009	1,917	1,988	2,187	2,254	2,300	2,378	2,698
	589	-54	780	823	960	633	647	861	1,125	835	993	1,186	1,392
Total Income	0	0	0	0	0	5,857	5,866	6,413	6,985	6,859	7,071	7,406	8,137
Operating Expenses	0	0	0	0	0	14,395	15,815	17,298	20,394	17,678	18,618	19,779	23,919
Operating Profit	0	0	0	0	0	12,024	9,819	11,191	12,729	13,212	14,316	15,857	16,988
Provisions & Contingencies	0	0	0	0	0	8,557	3,421	3,422	4,674	4,588	4,928	5,895	6,626
Profit before Tax	484	193	784	1,021	907	347	640	777	806	862	939	996	1,036
Tax %	35.50%	35.99%	35.65%	36.08%	35.88%	35.53%	37.22%	35.28%	34.73%	36.12%	35.79%	35.87%	37.03%
Net Profit	0	0	0	0	0	223	402	503	526	551	603	639	652
EPS	0	0	0	1	0	0	0	0	0	0	1	1	1

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
	0	0	0	21,854	25,067	—
Interest Expended	8,966	8,508	10,307	13,754	15,437	15,437
Net Interest Income	-8,966	-8,508	-10,307	8,101	9,630	—
	3,424	3,101	2,508	3,266	4,407	4,407
Total Income	0	0	0	25,120	29,474	29,474
	0	0	0	6,790	7,999	—
Operating Profit	-8,966	-8,508	-10,307	4,576	6,037	—
	440	210	324	2,007	2,204	—
Profit before Tax	-75	1,750	2,905	2,569	3,834	3,834
Tax %	-0.00%	0.00%	0.00%	35.62%	36.22%	36.22%
Net Profit	167	930	1,862	1,654	2,445	2,445
EPS	0	1	2	1	2	—

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: —
3 Years:: 19%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: —
3 Years:: 40%

STOCK PRICE CAGR

10 Years:: -5%
5 Years:: 11%
3 Years:: -11%
1 Year:: -18%

RETURN ON EQUITY

10 Years:: —
5 Years:: 6%
3 Years:: 8%
Last Year:: 9%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
LIABILITIES	-	-	-	-	-
Equity Capital	9,918	11,956	11,956	11,956	12,540
	9,998	11,513	13,648	15,258	18,345
	2,05,919	2,24,073	2,49,338	2,63,130	2,93,542
	15,383	13,508	20,501	25,331	28,687
Other Liabilities & Provisions	9,428	6,609	5,260	7,873	9,247
Total Liabilities	2,53,246	2,67,659	3,00,702	32	36
ASSETS	-	-	-	-	-
	9,445	10,288	10,300	10,197	10,359
Balances with Banks & Money at Call	14,155	15,860	18,428	18,828	25,768
	93,693	96,749	95,009	92,761	94,153
	1,11,355	1,22,784	1,55,870	1,82,022	2,15,135
	3,151	3,287	3,444	3,717	3,791
	21,380	18,643	17,586	15,958	13,095
Total Assets	2,53,246	2,67,659	3,00,702	32	36

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	2,422	4,399	2,983	1,002	1,913
Cash from Investing	-155	-200	-267	-295	-328
Cash from Financing	3,266	-1,637	-336	-430	5,869
	5,533	2,562	2,380	277	7,454

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
PER SHARE
EPS (₹)	0.15	0.75	1.53	1.40	1.97
Book Value (₹)	17.37	17.34	19.07	20.25	22.20
Dividend per Share (₹)	0.00	0.00	0.00	0.28	0.39
PROFITABILITY
Net Interest Margin %	0.00%	0.00%	0.00%	2.67%	2.79%
ROA %	0.07%	0.36%	0.66%	0.53%	0.71%
ROE %	0.97%	4.90%	8.56%	7.03%	9.39%
	0.00%	0.00%	0.00%	59.74%	56.99%
ASSET QUALITY
Gross NPA %	0.00%	0.00%	0.00%	3.46%	2.69%
Net NPA %	0.00%	0.00%	0.00%	0.89%	0.50%
Provision Coverage %	0.00%	0.00%	0.00%	95.38%	96.69%
Slippage Ratio %	—	—	—	—	—
BALANCE SHEET & LIQUIDITY
CASA %	0.00%	0.00%	0.00%	37.45%	35.83%
Credit-Deposit Ratio %	0.00%	0.00%	0.00%	0.10%	0.10%
	0.00%	0.00%	0.00%	0.00%	0.00%
GROWTH & VALUATION
Net Profit Growth %	0.00%	456.63%	100.30%	-11.20%	47.85%
Book Value Growth %	0.00%	0.00%	0.00%	6.21%	9.61%
P/E (x)	0.00x	0.00x	0.00x	37.35x	18.16x
P/B (x)	0.00x	0.00x	0.00x	2.58x	1.61x
	0.00%	0.00%	0.00%	0.54%	1.09%

Shareholding Pattern

Numbers in percentages

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	95.39	95.39	90.95	90.95	90.95	90.95	90.95	90.95
	0.02	0.02	0.44	0.13	0.13	0.14	0.08	0.06
	1.32	1.33	5.36	4.74	4.52	4.42	4.39	4.30
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Public	3.26	3.25	3.25	4.17	4.39	4.49	4.57	4.69

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-10

Updates

2026-09-10 - UCO Bank has informed the Exchange regarding 'Notice of Strike by UFBU'.

2026-09-07

Updates

2026-09-07 - UCO Bank has informed the Exchange regarding 'Interest Rate Updates' effective from 07-Sept-2026

2026-08-25

General Updates

2026-08-25 - UCO Bank has informed the Exchange about Extension of Additional Charge of the post of Managing Director & Chief Executive Officer of UCO Bank

2026-08-24

Outcome of Board Meeting

2026-08-24 - UCO Bank has informed the Exchange regarding Outcome of Board Meeting held on August 24, 2026

2026-08-13

Appointment

2026-08-13 - UCO Bank has informed the Exchange regarding Appointment of Manohar Lal Paliwal as Part- time Non-Official Director of the Bank w.e.f. August 12, 2026.

2026-08-07

Updates

2026-08-07 - UCO Bank has informed the Exchange regarding 'Revision in Benchmark Rates'.

2026-08-05

Credit Rating

2026-08-05 - UCO Bank has informed the Exchange about Credit Rating

2026-07-30

Analysts/Institutional Investor Meet/Con. Call Updates

2026-07-30 - UCO Bank has informed the Exchange about Transcript

2026-07-27

Credit Rating- New

2026-07-27 - UCO Bank has informed the Exchange about new Rating assigned by Fitch Ratings

News

Recent coverage and analyst commentary for UCOBANK

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UCO Bank

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Free 5nance Account

Name

SBIN

997.00

10.68

920292.57

1.74

24579.04

13.65

136240.49

8.36

12.16

52.34

UNIONBANK

178.00

6.58

135878.18

2.81

5368.17

29.77

27427.10

1.21

14.57

69.42

PNB

116.65

6.07

134065.18

2.57

5339.15

191.40

33589.17

3.12

13.26

75.40

BANKBARODA

237.80

6.77

122974.99

3.57

1572.59

-53.08

35114.52

6.84

11.20

33.10

INDIANB

852.90

8.99

114882.56

2.14

3299.48

48.73

18095.14

11.11

16.28

67.14

CANBK

123.90

5.66

112385.37

3.39

4864.08

61.96

32957.16

4.55

14.46

68.47

MAHABANK

84.17

8.59

64739.82

2.61

2020.54

26.83

8034.65

13.90

16.53

68.61

IOB

33.13

10.71

63797.08

0.00

1659.24

49.25

8777.57

18.82

11.31

54.56

BANKINDIA

139.80

5.40

63646.30

3.33

3138.46

77.92

20096.90

8.83

10.97

73.18

UCOBANK

23.98

12.18

30069.86

1.83

652.43

24.09

6744.59

15.10

11.00

54.71

CENTRALBK

30.75

6.10

27833.06

3.90

1328.95

5.43

9725.90

12.79

8.27

67.83

PSB

22.78

11.68

16163.74

1.71

331.51

23.16

3213.37

10.40

9.07

71.38

Mar 2022

Jun 2022

Sep 2022

Dec 2022

Mar 2023

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Mar 2025

3,773

3,851

4,185

4,627

4,987

5,224

5,219

5,552

5,860

6,024

6,078

6,220

6,745

Interest Expended

2,120

2,202

2,415

2,675

3,015

3,215

3,302

3,564

3,672

3,770

3,778

3,842

4,046

Net Interest Income

1,652

1,650

1,770

1,952

1,972

2,009

1,917

1,988

2,187

2,254

2,300

2,378

2,698

589

-54

780

823

960

633

647

861

1,125

835

993

1,186

1,392

Total Income

5,857

5,866

6,413

6,985

6,859

7,071

7,406

8,137

Operating Expenses

14,395

15,815

17,298

20,394

17,678

18,618

19,779

23,919

Operating Profit

12,024

9,819

11,191

12,729

13,212

14,316

15,857

16,988

Provisions & Contingencies

8,557

3,421

3,422

4,674

4,588

4,928

5,895

6,626

Profit before Tax

484

193

784

1,021

907

347

640

777

806

862

939

996

1,036

Tax %

35.50%

35.99%

35.65%

36.08%

35.88%

35.53%

37.22%

35.28%

34.73%

36.12%

35.79%

35.87%

37.03%

Net Profit

223

402

503

526

551

603

639

652

EPS

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

TTM

21,854

25,067

—

Interest Expended

8,966

8,508

10,307

13,754

15,437

Net Interest Income

-8,966

-8,508

-10,307

8,101

9,630

—

3,424

3,101

2,508

3,266

4,407

Total Income

25,120

29,474

6,790

7,999

—

Operating Profit

-8,966

-8,508

-10,307

4,576

6,037

—

440

210

324

2,007

2,204

—

Profit before Tax

-75

1,750

2,905

2,569

3,834

Tax %

-0.00%

0.00%

35.62%

36.22%

Net Profit

167

930

1,862

1,654

2,445

EPS

—

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

LIABILITIES

Equity Capital

9,918

11,956

12,540

9,998

11,513

13,648

15,258

18,345

2,05,919

2,24,073

2,49,338

2,63,130

2,93,542

15,383

13,508

20,501

25,331

28,687

Other Liabilities & Provisions

9,428

6,609

5,260

7,873

9,247

Total Liabilities

2,53,246

2,67,659

3,00,702

ASSETS

9,445

10,288

10,300

10,197

10,359

Balances with Banks & Money at Call

14,155

15,860

18,428

18,828

25,768

93,693

96,749

95,009

92,761

94,153

1,11,355

1,22,784

1,55,870

1,82,022

2,15,135

3,151

3,287

3,444

3,717

3,791

21,380

18,643

17,586

15,958

13,095

Total Assets

2,53,246

2,67,659

3,00,702

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

2,422

4,399

2,983

1,002

1,913

Cash from Investing

-155

-200

-267

-295

-328

Cash from Financing

3,266

-1,637

-336

-430

5,869

5,533

2,562

2,380

277

7,454

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

PER SHARE

EPS (₹)

0.15

0.75

1.53

1.40

1.97

Book Value (₹)

17.37

17.34

19.07

20.25

22.20

Dividend per Share (₹)

0.00

0.28

0.39

PROFITABILITY

Net Interest Margin %

0.00%

2.67%

2.79%

ROA %

0.07%

0.36%

0.66%

0.53%

0.71%

ROE %

0.97%

4.90%

8.56%

7.03%

9.39%

0.00%

59.74%

56.99%

ASSET QUALITY

Gross NPA %

0.00%

3.46%

2.69%

Net NPA %

0.00%

0.89%

0.50%

Provision Coverage %

0.00%

95.38%

96.69%

Slippage Ratio %

—

BALANCE SHEET & LIQUIDITY

CASA %

0.00%

37.45%

35.83%

Credit-Deposit Ratio %

0.00%

0.10%

0.00%

GROWTH & VALUATION

Net Profit Growth %

0.00%

456.63%

100.30%

-11.20%

47.85%

Book Value Growth %

0.00%

6.21%

9.61%

P/E (x)

0.00x

37.35x

18.16x

P/B (x)

0.00x

2.58x

1.61x

0.00%

0.54%

1.09%

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

95.39

90.95

0.02

0.44

0.13

0.14

0.08

0.06

1.32

1.33

5.36

4.74

4.52

4.42

4.39

4.30

Government

0.00

Public

3.26

3.25

4.17

4.39

4.49

4.57

4.69

UCO Bank

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Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

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UCO Bank

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

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