What is UCO Bank (UCOBANK) share price return in the past 10 years?

UCO Bank share price has declined -3% annually (CAGR) over the past ten years.

What is the share price of UCO Bank (UCOBANK)?

Company share prices are keep on changing according to the market conditions. The current trading price of UCO Bank (UCOBANK) on 05-Jun-2026 16:59:59 at 16:59 is 25.28.

What is the P/E ratio of UCO Bank?

The latest standalone P/E ratio of UCO Bank as of 05-Jun-2026 is 11.36.

What is the P/B ratio of UCO Bank (UCOBANK)?

The latest standalone P/B ratio of UCO Bank (UCOBANK) as of 05-Jun-2026 is 1.04.

What is the 52-week high and low of UCO Bank (UCOBANK)?

The 52-week high of UCO Bank (UCOBANK) is Rs. 34.65 and the 52-week low is Rs. 22.30.

UCO Bank (UCOBANK) Share Analysis – Quality, Valuation Zone & Price Trend & DeciZen Rating

Name: UCO Bank (UCOBANK)
Brand: UCO Bank

UCO Bank (UCOBANK)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 532505 NSE: UCOBANK Bank - Public | Small Cap | UCO Bank Share Price

UCO Bank (UCOBANK)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 532505 NSE: UCOBANK Bank - Public | Small Cap | UCO Bank Share Price

Key Metrics

Valuation Multiples

Market Cap

₹31,449 Cr.

Current Price

₹25.3

52-Week Low / High

₹22 / 35

TTM EPS

₹2.2

TTM Sales

₹26,281 Cr.

Book Value per Share

₹24

P/E Ratio

11.36

Lower than its 5-year historical median

Industry PE

Price to Book (P/B)

1.04

Lower than its 5-year historical median

EV/EBITDA

6.90

Lower than its 5-year historical median

Dividend Yield

1.96%

Profitability Efficiency

Return on Equity (ROE)

9.53%

Return on Capital Employed (ROCE)

11.00%

Net Interest Margin (NIM)

2.68%

Return on Assets (ROA)

0.73%

Growth Momentum
1-yr vs 3-yr growth

Deposit Growth (1 Year)

Improving versus 3-year growth rate

11.59%

Net Interest Income Growth (1 Year)

Slowing versus 3-year growth rate

5.88%

Book Value Growth (1 Year)

Slowing versus 3-year growth rate

7.62%

Asset Quality

CASA

36.1%

Gross NPA(%)

2.17%

Net NPA(%)

0.27%

Cost to Income Ratio

52.92%

Cost of Liabilities

4.58%

Reserves

₹17,560 Cr.

Equity

₹12,539.6 Cr.

Face Value

₹10

All Time Low / High

₹8.40 / 152.35

UCO Bank stock performance

Key Ratios

Check Before You Invest

Quality

Not Good

Check detailed performance

Valuation

Fair

Check Valuation charts

Price Trend

Semi Strong

Check Price chart

Q.1 Is UCO Bank a good quality company?

UCO Bank is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

We have analysed the performance of the company on the following:

How has it performed on generating Profits?
By checking its Total Income growth, NIM, PPOP, RoA and RoE compared to its last 5-year median.
How efficiently has it grown and managed operations?
By checking its Total Asset growth and Cost-to-Income ratio.
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

How does UCO Bank performance compare with that of its Peers?

Q.1 AUM Growth of UCO Bank vs Industry Peers?

UCO Bank AUM CAGR is 8.97%, compared to the 5-year industry median CAGR of 8.97%, indicating stable growth and maintaining its market share.

Q.1 Promoter shareholding and pledge status of UCO Bank?

Promoters hold 90.95% of the UCO Bank, with 0.00% of their stake pledged, indicating no pledge risk.

Q.1 Stock return of UCO Bank over the last decade?

Over the last 9 years, the stock has delivered a CAGR of -2.8% based on the current price.

10 Year X-Ray :

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	Mar'26	TTM
Net Interest Income (₹ Cr.)	3,817	3,125	4,311	5,092	5,480	6,473	7,343	8,101	9,630	10,196	10,196
YoY Gr. Rt. %	-	-18.1%	38%	18.1%	7.6%	18.1%	13.4%	10.3%	18.9%	5.9%	-
Total Income	18,440	15,141	15,844	18,006	17,870	18,082	20,159	25,120	29,474	29,741	29,741
YoY Gr. Rt. %	-	-17.9%	4.6%	13.6%	-0.8%	1.2%	11.5%	24.6%	17.3%	0.9%	-
Adj EPS (₹ )	-11.9	-19.2	-8	-2.5	0.2	0.8	1.6	1.4	2	2.2	2.2
YoY Gr. Rt. %	-	NA	NA	NA	NA	358.8%	100%	-11.5%	41.3%	13.3%	-
BVPS (₹ )	59.5	32.4	21.1	17	17.5	17.5	19.2	20.4	22.3	24	24
YoY Gr. Rt. %	-	-45.6%	-34.8%	-19.4%	2.7%	-0.1%	10%	6.1%	9.5%	7.6%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	-0.8	-2	-1.9	-1.1	0.1	0.4	0.7	0.5	0.7	0.7	0.6
To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	8.9	13.1	9.7	5.5	3.9	2.7	1.3	0.9	0.5	0.3	0.3
To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	-	-	-	-	-	-	-	-	-	-	-

CAGR ⓘ

	9 Years	5 Years	3 Years	1 Years
Net Interest Income	11.5%	13.2%	11.6%	5.9%
Total Income	5.5%	10.7%	13.8%	0.9%
Adj EPS	NA	67%	12.3%	13.3%
BVPS	-9.6%	6.6%	7.7%	7.6%
Share Price	-3%	13.3%	-2.4%	-23.3%

Key Financial Ratios


RATIOS \ YEARS	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	Mar'26	TTM
Interest Earned / Total Income	88.53	92.6	90.45	84.05	80.84	82.85	87.56	87	85.05	88.37	88.4
Margins	To view Margins Colour Rating Guide click here ⓘ
NIM (%)	1.8	1.6	2.1	2.4	2.4	2.6	2.6	2.7	2.8	2.7	2.6
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	-20	-53	-45.7	-17.2	1	4.9	8.5	7	9.4	9.5	8.3
Liquidity Ratio	To view Liquidity Ratio Colour Rating Guide click here ⓘ
CASA (%)	31.4	35.5	43.5	39.4	39.2	39.4	36.8	37.5	35.8	36.1	-

Profit And Loss

(All Figures are in Crores.)

PARTICULARS	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	Mar'26
Income +	18,440	15,141	15,844	18,006	17,870	18,082	20,159	25,120	29,474	29,741
Interest Income	16,326	14,020	14,331	15,134	14,446	14,981	17,651	21,854	25,067	26,281
Other Income ⓘ	2,114	1,121	1,514	2,871	3,424	3,101	2,508	3,266	4,407	3,460
Expenditure +	15,514	13,807	13,084	13,170	13,721	13,285	15,818	20,544	23,436	23,312
Interest Expense	12,509	10,895	10,019	10,042	8,966	8,508	10,307	13,754	15,437	16,085
Operating Expenses	3,005	2,911	3,064	3,128	4,755	4,776	5,511	6,790	7,999	7,227
Provisions	5,734	7,703	9,621	8,213	3,785	2,837	1,111	1,419	2,168	2,119
Profit Before Tax	-2,690	-6,891	-7,065	-3,713	-75	1,750	2,905	2,569	3,834	4,373
Taxes	-840	-2,454	-2,744	-1,276	-243	821	1,043	915	1,389	1,606
Profit After Tax	-1,851	-4,436	-4,321	-2,437	167	930	1,862	1,654	2,445	2,768
Adjusted EPS (₹)	-11.87	-19.22	-7.97	-2.46	0.17	0.78	1.56	1.38	1.95	2.21
Dividend Payout Ratio (%)	0%	0%	0%	0%	0%	0%	0%	20.20%	20%	19.90%

Valuation of UCO Bank - Standalone

YTD 1Y 3Y 5Y 10Y Max

Analyst's Notes

No data found!

Balance Sheet

(All Figures are in Crores.)

PARTICULARS	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	Mar'26
Equity and Liabilities
Share Capital ⓘ	1,560	2,308	5,423	9,918	9,918	11,956	11,956	11,956	12,540	12,540
Total Reserves ⓘ	10,044	7,517	8,371	9,291	10,088	11,638	13,809	15,401	18,465	20,710
Deposits	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
Borrowings ⓘ	9,535	12,449	8,324	15,695	15,383	13,508	20,501	25,331	28,687	23,310
Minority Interest	0	0	0	0	0	0	0	0	0	0
Other Liabilities	8,917	11,932	10,459	7,800	12,028	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	3,23,691	3,62,481	3,95,858
Assets
Balance with RBI	8,790	8,125	8,823	6,777	9,445	10,288	10,300	10,197	10,359	10,405
Balance with Banks	9,310	6,623	15,609	11,029	14,155	15,860	18,428	18,828	25,768	13,479
Investments ⓘ	74,019	70,962	82,232	90,999	93,783	96,874	95,169	92,904	94,272	98,777
Advances	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
Net Block ⓘ	2,843	2,867	2,814	2,832	3,151	3,287	3,444	3,717	3,791	4,126
Other Assets	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	3,23,691	3,62,481	3,95,858

Cash Flow

(All Figures are in Crores.)

PARTICULARS	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	Mar'26
Cash Flow From Operating Activity ⓘ	-3,852	-9,082	4,190	-10,658	2,422	4,399	2,983	1,002	1,913	-10,584
Cash Flow From Investing Activity ⓘ	-125	-85	-14	-113	-155	-200	-267	-295	-328	-419
Cash Flow From Financing Activity ⓘ	3,609	5,754	5,450	4,283	3,266	-1,637	-336	-430	5,869	-977
Net Cash Flow ⓘ	-367	-3,413	9,626	-6,489	5,533	2,562	2,380	277	7,454	-11,981

Financial Ratio

PARTICULARS	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	Mar'26
Operational & Financial Ratios
EPS (₹)	-11.90	-19.20	-8	-2.50	0.20	0.80	1.60	1.40	2	2.20
DPS (₹)	0	0	0	0	0	0	0	0.30	0.40	0.40
BVPS (₹)	59.5	32.4	21.1	17	17.5	17.5	19.2	20.4	22.3	24
Margin Ratios
Yield on Advances (%)	13.6	13.1	14.4	15.0	13.0	12.2	11.3	12.0	11.7	10.2
Yield on Investments (%)	9.4	7.7	6.9	7.7	8.4	5.9	6.0	7.0	7.2	7.0
Cost of Liabilities (%)	5.9	5.6	4.9	4.8	4.1	3.6	3.8	4.8	4.8	4.6
NIM (%)	1.8	1.6	2.1	2.4	2.4	2.6	2.6	2.7	2.8	2.7
Interest Spread (%)	7.7	7.4	9.6	10.2	8.9	8.6	7.5	7.2	6.9	5.6
Performance Ratios
ROA (%)	-0.8	-2.0	-1.9	-1.0	0.1	0.4	0.7	0.5	0.7	0.7
ROE (%)	-20.0	-53.0	-45.7	-17.2	1.0	4.9	8.5	7.0	9.4	9.5
ROCE (%)	-7.5	-24.5	-24.0	-9.8	1.2	5.8	9.1	9.1	11.0	11.0
Efficiency Ratios
Cost to Income Ratio (%)	50.7	68.6	52.6	39.3	53.4	49.9	55.9	59.7	57.0	52.9
Operating Costs to Assets (%)	1.3	1.4	1.3	1.3	1.9	1.8	1.8	2.1	2.2	1.8
Valuation Parameters
Price/Book(x)	0.6	0.7	0.9	0.5	0.6	0.7	1.3	2.6	1.6	0.9

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

UCO Bank FAQs

The current trading price of UCO Bank on 05-Jun-2026 16:59 is ₹25.28.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 04-Jun-2026 the market cap of UCO Bank stood at ₹31,449.2 Cr

The latest P/E ratio of UCO Bank as of 04-Jun-2026 is 11.36.

The latest P/B ratio of UCO Bank as of 04-Jun-2026 is 1.04.

The 52-week high of UCO Bank is ₹34.65 and the 52-week low is ₹22.30.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of UCO Bank is ₹26,281 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that UCO Bank is a below average quality company.

The key valuation ratios of UCO Bank's currently when compared to its past seem to suggest it is in the Fair zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of UCO Bank is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

About UCO Bank

UCO bank formerly known as United Commercial Bank, incorporated on 6th of January 1943. It was vision of Mr. G.D Birla to form a truly Indian Bank which came into reality after 'Quit India' movement. The bank has headquartered in Kolkata.

It got nationalised in the year 1969 and 100% ownership was taken over by Government in the bank. After this lot of changes took over in banking activities such as it started its branch expansion in fast pace especially in rural areas and it also went through organisational restructuring. This resulted in functional specialisation and decentralization of administration.

In 1985 the name of bank was changed to UCO Bank. Presently it has a network of over 2000 branches, over 370 ATMs, and 35 regional offices across country as well as in Singapore and Hong Kong.

Products

Personal Banking- It provides several products and services in personal banking such as deposit, saving, personal loans, educational loans, car loans, RTGS, debit card, etc.
NRI banking- It also offers products and services to NRI Clients such as FCNR accounts, remittance services, etc.
It also provides working capital finance, term loans, loans against securities issued by government/RBI, short term loan for pensioners, etc. It also offers services to agricultural and SME sectors.

Recognition

It was honoured with â€œNational Awards for Excellence in Lending to Micro Enterprisesâ€ for its excellent performance in lending to micro enterprises from Government of India and Ministry of Micro, Small & Medium Enterprises.

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UCO Bank (UCOBANK)

UCO Bank (UCOBANK)

UCO Bank stock performance

Check Before You Invest

Quality

Valuation

Price Trend

10 Year X-Ray :

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

CAGR ⓘ

Key Financial Ratios

Profit And Loss

Valuation of UCO Bank - Standalone

Price Calculator

Price Chart

Price to Earnings

Price to Sales

Price to Book

EV to EBITDA

Dividend History

Price Calculator

Price Chart

Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

Balance Sheet

Equity and Liabilities

Assets

Cash Flow

Financial Ratio

Operational & Financial Ratios

Margin Ratios

Performance Ratios

Efficiency Ratios

Valuation Parameters

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

UCO Bank FAQs

What is the share price of UCO Bank?

What is the market cap of UCO Bank?

What is the P/E ratio of UCO Bank?

What is the P/B ratio of UCO Bank?

What is the 52-week high and low of UCO Bank?

What is the TTM revenue of UCO Bank?

Is UCO Bank a good quality company?

Is UCO Bank undervalued or overvalued?

Is UCO Bank a good buy now?

About UCO Bank

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