UCO Bank Stock Analysis

BSE: 532505 | NSE: UCOBANK | Bank - Public | Mid Cap

BSE Share Price Jan 21, 18:01
12.92 -0.25 (-1.90%)

DeciZen - Make an Informed Decision on UCO Bank

Overall Rating

1. Quality

2. Valuation

Fair
P/E P/S EV/EBITDA

3. Price Trend

FAQ's

1. Is UCO Bank a good quality company?

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

2. Is UCO Bank undervalued or overvalued?

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

3. Is UCO Bank a good buy now?

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

10 Year X-Ray of UCO Bank:

Analysis of Financial Track Record

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

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
UCO Bank has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
Net Interest Income (₹ Cr.)3,9024,5826,0595,5624,8483,8173,1254,3115,0925,4805,878
YoY Gr. Rt. %-17.4%32.3%-8.2%-12.8%-21.3%-18.1%38%18.1%7.6%-
Total Income15,59817,70419,55021,36320,15718,44015,14115,84418,00618,16618,599
YoY Gr. Rt. %-13.5%10.4%9.3%-5.6%-8.5%-17.9%4.6%13.6%0.9%-
Adj EPS (₹ ) 14.5614.910.6-26-11.9-19.2-8-2.50.20.4
YoY Gr. Rt. %--58.9%149.4%-29%-346%NANANANANA-
BVPS (₹ )94.797.2104.911185.759.532.421.11717.516.9
YoY Gr. Rt. %-2.6%7.9%5.9%-22.8%-30.6%-45.6%-34.8%-19.4%2.7%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)0.60.30.70.5-1.1-0.8-2-1.9-1.10.1-0.2
To view Net NPA to Net Advances (%) Colour Rating Guide click here
Net NPA to Net Advances (%)23.22.44.39.18.913.19.75.53.93.4
To view Capital Adequacy Ratio (%) Colour Rating Guide click here
Capital Adequacy Ratio (%)-----------

CAGR

CAGR Colour Code Guide
9 Years 5 Years 3 Years 1 Years
Net Interest Income3.8%2.5%20.6%7.6%
Total Income1.7%-2.1%6.3%0.9%
Adj EPS-39%NANANA
BVPS-17.1%-27.3%-18.6%2.7%
Share Price -14.5% -17.4% -13% 0.3%

Key Financial Ratios

RATIOS \ YEARSMar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
Interest Earned / Total Income93.8194.6293.2590.6292.0888.5392.690.4584.0579.5277.7
Margins To view Margins Colour Rating Guide click here
NIM (%)2.22.42.62.42.11.81.62.12.42.42.3
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)19.49.116.810.1-26.5-20-53-45.7-17.21-2.7
Liquidity Ratio To view Liquidity Ratio Colour Rating Guide click here
CASA (%)22.332.129.529.429.431.435.543.539.439.2-

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 2.00%

Total Income has increased 6.26 CAGR in last 3 years

Net NPA to Net Advances has declined versus last 3 years average

Net Profit has declined 0.00 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - UCO Bank

Standalone Consolidated
TTM EPS (₹) 0.4 -
TTM Sales (₹ Cr.) 14,458 -
BVPS (₹.) 16.9 -
Reserves (₹ Cr.) 8,292 -
P/BV 0.76 -
PE 36.55 -
From the Market
52 Week Low / High (₹) 10.60 / 16.30
All Time Low / High (₹) 8.40 / 152.35
Market Cap (₹ Cr.) 15,447
Equity (₹ Cr.) 11,956
Face Value (₹) 10
Industry PE 14

Management X-Ray of UCO Bank :

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

Analyst's Notes

News

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 “National Awards for Excellence in Lending to Micro Enterprises” for its excellent performance in lending to micro enterprises from Government of India and Ministry of Micro, Small & Medium Enterprises.

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