UCO Bank

•

uco.bank.inBSE: 532505NSE: UCOBANK

Market Cap₹ 30,082 Cr.

Current Price

High / Low₹ 34 / 22

Stock P/E10.7

Book Value₹ 25

Price to Book0.94

Dividend Yield1.83 %

ROCE11.0 %

ROE9.5 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Corporate/Wholesale Banking: 36.9% • Other Retail Banking-Retail Banking: 35.9% • Treasury: 27.0%

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

Company has delivered good profit growth of 75.3% CAGR over last 5 years
Comfortable capital adequacy - CAR of 18.6%
Strong provisioning - provision coverage ratio of 97.8%
Healthy loan book growth of 19.8% with stable asset quality
Stock looks reasonably valued - P/E of 10.7 is below its historical median
Company generates healthy free cash flow

CONS

A large part of profit comes from other income (79.1% of PBT)
Weak return ratios for a lender: 3Y avg ROA 0.7%
Growth is decelerating - 3Y profit CAGR (14.1%) trails the 5Y trend (75.3%)
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	1001.60	10.72	924538.66	1.73	24579.04	13.65	136240.49	8.36	12.16	52.34
2.	UNIONBANK	183.40	6.78	140000.33	2.73	5368.17	29.77	27427.10	1.21	14.57	69.42
3.	PNB	115.60	6.02	132858.42	2.60	5339.15	191.40	33589.17	3.12	13.26	75.40
4.	BANKBARODA	234.90	6.69	121475.30	3.62	1572.59	-53.08	35114.52	6.84	11.20	33.10
5.	INDIANB	855.00	9.01	115165.42	2.13	3299.48	48.73	18095.14	11.11	16.28	67.14
6.	CANBK	124.20	5.67	112657.49	3.38	4864.08	61.96	32957.16	4.55	14.46	68.47
7.	MAHABANK	84.45	8.62	64955.18	2.61	2020.54	26.83	8034.65	13.90	16.53	68.61
8.	BANKINDIA	140.70	5.44	64056.04	3.30	3138.46	77.92	20096.90	8.83	10.97	73.18
9.	IOB	33.01	10.67	63566.00	0.00	1659.24	49.25	8777.57	18.82	11.31	54.56
10.	UCOBANK	23.99	12.19	30082.40	1.83	652.43	24.09	6744.59	15.10	11.00	54.71
11.	CENTRALBK	30.58	6.06	27679.19	3.92	1328.95	5.43	9725.90	12.79	8.27	67.83
12.	PSB	22.67	11.62	16085.69	1.72	331.51	23.16	3213.37	10.40	9.07	71.38

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	5,224	5,219	5,552	5,860	6,024	6,078	6,220	6,745	6,436	6,537	6,652	6,656	6,996
Interest Expended	3,215	3,302	3,564	3,672	3,770	3,778	3,842	4,046	4,033	4,004	4,006	4,042	4,188
Net Interest Income	2,009	1,917	1,988	2,187	2,254	2,300	2,378	2,698	2,403	2,533	2,646	2,614	2,808
	633	647	861	1,125	835	993	1,186	1,392	997	884	869	709	1,686
Total Income	0	0	0	0	6,859	7,071	7,406	8,137	0	0	0	0	8,682
Operating Expenses	1,439	1,581	1,730	2,039	1,768	1,862	1,978	2,392	1,838	1,804	1,835	1,750	1,685
Operating Profit	1,202	982	1,119	1,273	1,321	1,432	1,586	1,699	1,562	1,613	1,680	1,573	2,810
Provisions & Contingencies	856	342	342	467	459	493	590	663	616	588	525	326	235
Profit before Tax	347	640	777	806	862	939	996	1,036	946	1,025	1,155	1,247	2,575
Tax %	35.53%	37.22%	35.28%	34.73%	36.12%	35.79%	35.87%	37.03%	35.80%	39.54%	35.98%	35.76%	74.51%
Net Profit	223	402	503	526	551	603	639	652	607	620	740	801	656
EPS	0	0	0	0	0	0	1	1	0	0	1	1	0

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	0	0	0	0	0	0	0	21,854	25,067	26,281	—
Interest Expended	12,509	10,895	10,019	10,042	8,966	8,508	10,307	13,754	15,437	16,085	16,240
Net Interest Income	-12,509	-10,895	-10,019	-10,042	-8,966	-8,508	-10,307	8,101	9,630	10,196	—
	2,114	1,121	1,514	2,871	3,424	3,101	2,508	3,266	4,407	3,460	4,149
Total Income	0	0	0	0	0	0	0	25,120	29,474	29,741	8,682
	0	0	0	0	0	0	0	6,790	7,999	7,227	—
Operating Profit	-12,509	-10,895	-10,019	-10,042	-8,966	-8,508	-10,307	4,576	6,037	6,429	—
	-118	522	204	335	440	210	324	2,007	2,204	2,055	—
Profit before Tax	-2,690	-6,891	-7,065	-3,713	-75	1,750	2,905	2,569	3,834	4,373	6,002
Tax %	-0.00%	-0.00%	-0.00%	-0.00%	-0.00%	0.00%	0.00%	35.62%	36.22%	36.71%	53.07%
Net Profit	-1,851	-4,436	-4,321	-2,437	167	930	1,862	1,654	2,445	2,768	2,817
EPS	-13	-25	-12	-3	0	1	2	1	2	2	—

COMPOUNDED SALES GROWTH

10 Years:: 4%
5 Years:: 13%
3 Years:: 14%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: 75%
3 Years:: 14%

STOCK PRICE CAGR

10 Years:: -5%
5 Years:: 11%
3 Years:: -13%
1 Year:: -18%

RETURN ON EQUITY

10 Years:: -10%
5 Years:: 8%
3 Years:: 9%
Last Year:: 10%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
LIABILITIES	-	-	-	-	-	-	-	-	-	-
Equity Capital	1,560	2,308	5,423	9,918	9,918	11,956	11,956	11,956	12,540	12,540
	10,044	7,517	8,371	9,291	10,088	11,638	13,809	15,401	18,465	20,710
	2,01,285	1,81,849	1,97,907	1,93,203	2,05,919	2,24,073	2,49,338	2,63,130	2,93,542	3,27,563
	9,535	12,449	8,324	15,695	15,383	13,508	20,501	25,331	28,687	23,310
Other Liabilities & Provisions	7,767	6,800	6,863	7,800	9,428	6,609	5,260	7,873	9,247	11,737
Total Liabilities	2,31,340	2,16,056	2,30,484	2,35,908	2,53,336	2,67,784	3,00,863	32	36	40
ASSETS	-	-	-	-	-	-	-	-	-	-
	8,790	8,125	8,823	6,777	9,445	10,288	10,300	10,197	10,359	10,405
Balances with Banks & Money at Call	9,310	6,623	15,609	11,029	14,155	15,860	18,428	18,828	25,768	13,479
	74,019	70,962	82,232	90,999	93,783	96,874	95,169	92,904	94,272	98,777
	1,19,724	1,07,470	99,314	1,01,174	1,11,355	1,22,784	1,55,870	1,82,022	2,15,135	2,57,763
	2,843	2,867	2,814	2,832	3,151	3,287	3,444	3,717	3,791	4,126
	16,647	20,001	21,684	23,089	21,380	18,643	17,586	15,958	13,095	11,233
Total Assets	2,31,340	2,16,056	2,30,484	2,35,908	2,53,336	2,67,784	3,00,863	32	36	40

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-3,852	-9,082	4,190	-10,658	2,422	4,399	2,983	1,002	1,913	-10,584
Cash from Investing	-125	-85	-14	-113	-155	-200	-267	-295	-328	-419
Cash from Financing	3,609	5,754	5,450	4,283	3,266	-1,637	-336	-430	5,869	-977
	-367	-3,413	9,626	-6,489	5,533	2,562	2,380	277	7,454	-11,981

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
PER SHARE
EPS (₹)	-11.87	-19.22	-7.97	-2.46	0.17	0.78	1.56	1.38	1.95	2.21
Book Value (₹)	59.49	32.38	21.10	17.00	17.46	17.45	19.20	20.37	22.30	24.00
Dividend per Share (₹)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.28	0.39	0.44
PROFITABILITY
Net Interest Margin %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	2.67%	2.79%	2.68%
ROA %	-0.78%	-1.98%	-1.94%	-1.04%	0.07%	0.36%	0.66%	0.53%	0.71%	0.73%
ROE %	-20.01%	-52.97%	-45.68%	-17.22%	0.98%	4.87%	8.50%	6.99%	9.35%	9.53%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	59.74%	56.99%	52.92%
ASSET QUALITY
Gross NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	2.69%	2.63%
Net NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.50%	0.45%
Provision Coverage %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	96.69%	96.88%
Slippage Ratio %	—	—	—	—	—	—	—	—	—	—
BALANCE SHEET & LIQUIDITY
CASA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	37.45%	35.83%	36.12%
Credit-Deposit Ratio %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.10%	0.10%	0.07%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	16.98%	18.45%	18.61%
GROWTH & VALUATION
Net Profit Growth %	33.89%	-139.72%	2.60%	43.61%	106.85%	456.63%	100.30%	-11.20%	47.85%	13.21%
Book Value Growth %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	6.09%	9.43%	7.66%
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	37.75x	18.33x	10.17x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	2.56x	1.60x	0.94x
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.54%	1.09%	1.96%

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

1001.60

10.72

924538.66

1.73

24579.04

13.65

136240.49

8.36

12.16

52.34

UNIONBANK

183.40

6.78

140000.33

2.73

5368.17

29.77

27427.10

1.21

14.57

69.42

PNB

115.60

6.02

132858.42

2.60

5339.15

191.40

33589.17

3.12

13.26

75.40

BANKBARODA

234.90

6.69

121475.30

3.62

1572.59

-53.08

35114.52

6.84

11.20

33.10

INDIANB

855.00

9.01

115165.42

2.13

3299.48

48.73

18095.14

11.11

16.28

67.14

CANBK

124.20

5.67

112657.49

3.38

4864.08

61.96

32957.16

4.55

14.46

68.47

MAHABANK

84.45

8.62

64955.18

2.61

2020.54

26.83

8034.65

13.90

16.53

68.61

BANKINDIA

140.70

5.44

64056.04

3.30

3138.46

77.92

20096.90

8.83

10.97

73.18

IOB

33.01

10.67

63566.00

0.00

1659.24

49.25

8777.57

18.82

11.31

54.56

UCOBANK

23.99

12.19

30082.40

1.83

652.43

24.09

6744.59

15.10

11.00

54.71

CENTRALBK

30.58

6.06

27679.19

3.92

1328.95

5.43

9725.90

12.79

8.27

67.83

PSB

22.67

11.62

16085.69

1.72

331.51

23.16

3213.37

10.40

9.07

71.38

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

5,224

5,219

5,552

5,860

6,024

6,078

6,220

6,745

6,436

6,537

6,652

6,656

6,996

Interest Expended

3,215

3,302

3,564

3,672

3,770

3,778

3,842

4,046

4,033

4,004

4,006

4,042

4,188

Net Interest Income

2,009

1,917

1,988

2,187

2,254

2,300

2,378

2,698

2,403

2,533

2,646

2,614

2,808

633

647

861

1,125

835

993

1,186

1,392

997

884

869

709

1,686

Total Income

6,859

7,071

7,406

8,137

8,682

Operating Expenses

1,439

1,581

1,730

2,039

1,768

1,862

1,978

2,392

1,838

1,804

1,835

1,750

1,685

Operating Profit

1,202

982

1,119

1,273

1,321

1,432

1,586

1,699

1,562

1,613

1,680

1,573

2,810

Provisions & Contingencies

856

342

467

459

493

590

663

616

588

525

326

235

Profit before Tax

347

640

777

806

862

939

996

1,036

946

1,025

1,155

1,247

2,575

Tax %

35.53%

37.22%

35.28%

34.73%

36.12%

35.79%

35.87%

37.03%

35.80%

39.54%

35.98%

35.76%

74.51%

Net Profit

223

402

503

526

551

603

639

652

607

620

740

801

656

EPS

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

21,854

25,067

26,281

—

Interest Expended

12,509

10,895

10,019

10,042

8,966

8,508

10,307

13,754

15,437

16,085

16,240

Net Interest Income

-12,509

-10,895

-10,019

-10,042

-8,966

-8,508

-10,307

8,101

9,630

10,196

—

2,114

1,121

1,514

2,871

3,424

3,101

2,508

3,266

4,407

3,460

4,149

Total Income

25,120

29,474

29,741

8,682

6,790

7,999

7,227

—

Operating Profit

-12,509

-10,895

-10,019

-10,042

-8,966

-8,508

-10,307

4,576

6,037

6,429

—

-118

522

204

335

440

210

324

2,007

2,204

2,055

—

Profit before Tax

-2,690

-6,891

-7,065

-3,713

-75

1,750

2,905

2,569

3,834

4,373

6,002

Tax %

-0.00%

0.00%

35.62%

36.22%

36.71%

53.07%

Net Profit

-1,851

-4,436

-4,321

-2,437

167

930

1,862

1,654

2,445

2,768

2,817

EPS

-13

-25

-12

-3

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

LIABILITIES

Equity Capital

1,560

2,308

5,423

9,918

11,956

12,540

10,044

7,517

8,371

9,291

10,088

11,638

13,809

15,401

18,465

20,710

2,01,285

1,81,849

1,97,907

1,93,203

2,05,919

2,24,073

2,49,338

2,63,130

2,93,542

3,27,563

9,535

12,449

8,324

15,695

15,383

13,508

20,501

25,331

28,687

23,310

Other Liabilities & Provisions

7,767

6,800

6,863

7,800

9,428

6,609

5,260

7,873

9,247

11,737

Total Liabilities

2,31,340

2,16,056

2,30,484

2,35,908

2,53,336

2,67,784

3,00,863

ASSETS

8,790

8,125

8,823

6,777

9,445

10,288

10,300

10,197

10,359

10,405

Balances with Banks & Money at Call

9,310

6,623

15,609

11,029

14,155

15,860

18,428

18,828

25,768

13,479

74,019

70,962

82,232

90,999

93,783

96,874

95,169

92,904

94,272

98,777

1,19,724

1,07,470

99,314

1,01,174

1,11,355

1,22,784

1,55,870

1,82,022

2,15,135

2,57,763

2,843

2,867

2,814

2,832

3,151

3,287

3,444

3,717

3,791

4,126

16,647

20,001

21,684

23,089

21,380

18,643

17,586

15,958

13,095

11,233

Total Assets

2,31,340

2,16,056

2,30,484

2,35,908

2,53,336

2,67,784

3,00,863

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

-3,852

-9,082

4,190

-10,658

2,422

4,399

2,983

1,002

1,913

-10,584

Cash from Investing

-125

-85

-14

-113

-155

-200

-267

-295

-328

-419

Cash from Financing

3,609

5,754

5,450

4,283

3,266

-1,637

-336

-430

5,869

-977

-367

-3,413

9,626

-6,489

5,533

2,562

2,380

277

7,454

-11,981

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

PER SHARE

EPS (₹)

-11.87

-19.22

-7.97

-2.46

0.17

0.78

1.56

1.38

1.95

2.21

Book Value (₹)

59.49

32.38

21.10

17.00

17.46

17.45

19.20

20.37

22.30

24.00

Dividend per Share (₹)

0.00

0.28

0.39

0.44

PROFITABILITY

Net Interest Margin %

0.00%

2.67%

2.79%

2.68%

ROA %

-0.78%

-1.98%

-1.94%

-1.04%

0.07%

0.36%

0.66%

0.53%

0.71%

0.73%

ROE %

-20.01%

-52.97%

-45.68%

-17.22%

0.98%

4.87%

8.50%

6.99%

9.35%

9.53%

0.00%

59.74%

56.99%

52.92%

ASSET QUALITY

Gross NPA %

0.00%

2.69%

2.63%

Net NPA %

0.00%

0.50%

0.45%

Provision Coverage %

0.00%

96.69%

96.88%

Slippage Ratio %

—

BALANCE SHEET & LIQUIDITY

CASA %

0.00%

37.45%

35.83%

36.12%

Credit-Deposit Ratio %

0.00%

0.10%

0.07%

0.00%

16.98%

18.45%

18.61%

GROWTH & VALUATION

Net Profit Growth %

33.89%

-139.72%

2.60%

43.61%

106.85%

456.63%

100.30%

-11.20%

47.85%

13.21%

Book Value Growth %

0.00%

6.09%

9.43%

7.66%

P/E (x)

0.00x

37.75x

18.33x

10.17x

P/B (x)

0.00x

2.56x

1.60x

0.94x

0.00%

0.54%

1.09%

1.96%

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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UCO Bank

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI