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 .

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 Somewhat overvalued zone .

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

UCO Bank share price has declined -5.3% annually (CAGR) over the past ten years.

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 Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

UCO Bank - Stock Valuation and Financial Performance

Name: UCO Bank
Brand: UCO Bank

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

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UCO Bank Share Price

₹32.12 -0.24 -0.74%
as on 18-Jul'25 16:59

UCO Bank - Stock Valuation and Financial Performance

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

Place order

UCO Bank Share Price

₹32.12 -0.24 -0.74%
as on 18-Jul'25 16:59

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

Standalone Basis ^P Consolidated Basis ^P

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

	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Net Interest Income (₹ Cr.)	4,848	3,817	3,125	4,311	5,092	5,480	6,473	7,343	8,101	9,630	9,630
YoY Gr. Rt. %	-	-21.3%	-18.1%	38%	18.1%	7.6%	18.1%	13.4%	10.3%	18.9%	-
Total Income	20,157	18,440	15,141	15,844	18,006	17,870	18,082	20,159	25,120	29,474	29,474
YoY Gr. Rt. %	-	-8.5%	-17.9%	4.6%	13.6%	-0.8%	1.2%	11.5%	24.6%	17.3%	-
Adj EPS (₹ )	-26	-11.9	-19.2	-8	-2.5	0.2	0.8	1.6	1.4	2	2
YoY Gr. Rt. %	-	NA	NA	NA	NA	NA	358.8%	100%	-11.5%	41.3%	-
BVPS (₹ )	85.7	59.5	32.4	21.1	17	17.5	17.5	19.2	20.4	22.3	22.3
YoY Gr. Rt. %	-	-30.6%	-45.6%	-34.8%	-19.4%	2.7%	-0.1%	10%	6.1%	9.5%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	-1.1	-0.8	-2	-1.9	-1.1	0.1	0.4	0.7	0.5	0.7	0.6
To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	9.1	8.9	13.1	9.7	5.5	3.9	2.7	1.3	0.9	0.5	0.5
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 Income	7.9%	13.6%	14.2%	18.9%
Total Income	4.3%	10.4%	17.7%	17.3%
Adj EPS	NA	NA	35.7%	41.3%
BVPS	-13.9%	5.6%	8.5%	9.5%
Share Price	-5.3%	19.6%	42%	-43.4%

Key Financial Ratios


RATIOS \ YEARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Interest Earned / Total Income	92.08	88.53	92.6	90.45	84.05	80.84	82.85	87.56	87	85.05	85
Margins	To view Margins Colour Rating Guide click here ⓘ
NIM (%)	2.1	1.8	1.6	2.1	2.4	2.4	2.6	2.6	2.7	2.8	2.7
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	-26.5	-20	-53	-45.7	-17.2	1	4.9	8.5	7	9.4	7.7
Liquidity Ratio	To view Liquidity Ratio Colour Rating Guide click here ⓘ
CASA (%)	29.4	31.4	35.5	43.5	39.4	39.2	39.4	36.8	37.5	35.8	-

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 8.70%

Total Income has increased 17.69 CAGR in last 3 years

Net Profit has increased 35.72 CAGR in last 3 years

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

Total income growth is good in last 4 quarters

No data to display

Latest Financials - UCO Bank

	Standalone	Consolidated
TTM EPS (₹)	2	2
TTM Sales (₹ Cr.)	25,067	25,067
BVPS (₹.) ⓘ	22.3	22.2
Reserves (₹ Cr.) ⓘ	15,418	15,298
P/BV ⓘ	1.45	1.46
PE ⓘ	16.60	16.44

From the Market
52 Week Low / High (₹)	26.83 / 60.64
All Time Low / High (₹)	8.40 / 152.35
Market Cap (₹ Cr.)	40,578
Equity (₹ Cr.)	12,539.6
Face Value (₹)	10
Industry PE ⓘ	8.8

Management X-Ray of UCO Bank:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

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

Valuation of UCO Bank

Price Calculator

Price Chart

Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

No data found!

Key Ratios of UCO Bank

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Income	20,157	18,440	15,141	15,844	18,006	17,870	18,082	20,159	25,120	29,474
Interest Income	18,561	16,326	14,020	14,331	15,134	14,446	14,981	17,651	21,854	25,067
Other Income ⓘ	1,596	2,114	1,121	1,514	2,871	3,424	3,101	2,508	3,266	4,407
Expenditure	22,957	20,291	19,577	20,165	20,442	17,703	17,152	18,297	23,466	27,029
Interest Expense	13,713	12,509	10,895	10,019	10,042	8,966	8,508	10,307	13,754	15,437
Operating Expenses	2,841	3,005	2,911	3,064	3,128	4,755	4,776	5,511	6,790	7,999
Provisions	6,403	4,777	5,771	7,081	7,272	3,982	3,868	2,478	2,923	3,592
Profit Before Tax	-4,460	-2,690	-6,891	-7,065	-3,713	-75	1,750	2,905	2,569	3,834
Taxes	-1,661	-840	-2,454	-2,744	-1,276	-243	821	1,043	915	1,389
Profit After Tax	-2,799	-1,851	-4,436	-4,321	-2,437	167	930	1,862	1,654	2,445
Adjusted EPS (₹)	-26.03	-11.87	-19.22	-7.97	-2.46	0.17	0.78	1.56	1.38	1.95
Dividend Payout Ratio (%)	0%	0%	0%	0%	0%	0%	0%	0%	20%	20%

Balance Sheet

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Equity and Liabilities
Share Capital ⓘ	1,076	1,560	2,308	5,423	9,918	9,918	11,956	11,956	11,956	12,540
Total Reserves ⓘ	10,511	10,044	7,517	8,371	9,291	10,088	11,638	13,809	15,401	18,465
Minority Interest	0	0	0	0	0	0	0	0	0	0
Deposits	2,07,118	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
Borrowings ⓘ	17,240	9,535	12,449	8,324	15,695	15,383	13,508	20,501	25,331	28,687
Other Liabilities	8,937	8,917	11,932	10,459	7,800	12,028	6,609	5,260	7,873	9,247
Total Liabilities ⓘ	2,44,883	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
Assets
Balance with RBI	7,950	8,790	8,125	8,823	6,777	9,445	10,288	10,300	10,197	10,359
Balance with Banks	10,609	9,310	6,623	15,609	11,029	14,155	15,860	18,428	18,828	25,768
Investments ⓘ	83,974	74,019	70,962	82,232	90,999	93,783	96,874	95,169	92,904	94,272
Advances	1,25,905	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
Net Block ⓘ	2,878	2,843	2,867	2,814	2,832	3,151	3,287	3,444	3,717	3,791
Other Assets	13,559	16,647	20,001	21,684	23,089	21,380	18,643	17,586	15,958	13,095
Total Assets ⓘ	2,44,883	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

Cash Flow

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Cash Flow From Operating Activity ⓘ	-2,978	-3,852	-9,082	4,190	-10,658	2,422	4,399	2,983	1,002	1,913
Cash Flow From Investing Activity ⓘ	-127	-125	-85	-14	-113	-155	-200	-267	-295	-328
Cash Flow From Financing Activity ⓘ	-579	3,609	5,754	5,450	4,283	3,266	-1,637	-336	-430	5,869
Net Cash Flow ⓘ	-3,685	-367	-3,413	9,626	-6,489	5,533	2,562	2,380	277	7,454

Finance Ratio

Standalone Basis Consolidated Basis

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Operational & Financial Ratios
EPS (₹)	-26	-12	-19	-8	-2	0	1	2	1	2
DPS (₹)	0	0	0	0	0	0	0	0	0	0
BVPS (₹)	86	59	32	21	17	17	17	19	20	22
Margin Ratios
Yield on Advances (%)	14.7	13.6	13.1	14.4	15.0	13.0	12.2	11.3	12.0	11.7
Yield on Investments (%)	7.6	9.4	7.7	6.9	7.7	8.4	5.9	6.0	7.0	7.2
Cost of Liabilities (%)	6.1	5.9	5.6	4.9	4.8	4.1	3.6	3.8	4.8	4.8
NIM (%)	2.1	1.8	1.6	2.1	2.4	2.4	2.6	2.6	2.7	2.8
Interest Spread (%)	8.6	7.7	7.4	9.6	10.2	8.9	8.6	7.5	7.2	6.9
Performance Ratios
ROA (%)	-1.1	-0.8	-2.0	-1.9	-1.0	0.1	0.4	0.7	0.5	0.7
ROE (%)	-26.5	-20.0	-53.0	-45.7	-17.2	1.0	4.9	8.5	7.0	9.4
ROCE (%)	-13.2	-7.5	-24.5	-24.0	-9.8	1.2	5.8	9.1	9.1	11.0
Efficiency Ratios
Cost to Income Ratio (%)	44.1	50.7	68.6	52.6	39.3	53.4	49.9	55.9	59.7	57.0
Operating Costs to Assets (%)	1.2	1.3	1.4	1.3	1.3	1.9	1.8	1.8	2.1	2.2
Valuation Parameters
Price/Book(x)	0.5	0.6	0.7	0.9	0.5	0.6	0.7	1.3	2.6	1.6

UCO Bank Stock News

UCO Bank FAQs

What is the share price of UCO Bank?

Company share prices are keep on changing according to the market conditions. The closing price of UCO Bank on 18-Jul-2025 16:59 is ₹32.12.

What is the market cap of UCO Bank?

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 18-Jul-2025 16:59 the market cap of UCO Bank stood at ₹40,578.

What is the P/E ratio of UCO Bank?

The latest P/E ratio of UCO Bank as of 18-Jul-2025 16:59 is 16.60.

What is the P/B ratio of UCO Bank?

The latest P/B ratio of UCO Bank as of 18-Jul-2025 16:59 is 1.45.

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

The 52-week high of UCO Bank is ₹60.64 and the 52-week low is ₹26.83.

What is the TTM revenue of UCO Bank?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of UCO Bank is ₹25,067 ( Cr.) .

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.

SEBI Registered: Investment Adviser - INA000013323 RIA Details

Warning: Investment in securities market are subject to market risks. Read all the related documents carefully before investing.

Disclaimer: Registration granted by SEBI, membership of BASL (in case of IAs) and certification from NISM in no way guarantee performance of the intermediary or provides any assurance of returns to investors.

Compliance Officer:

Name: Shrikant Jagtap

Email: shrikant.jagtap@moneyworks4me.com

Mobile No: +91 97638 00745

Grievance Officer:

Name: Mukta Vaze

Email: mukta.vaze@moneyworks4me.com

Mobile No:+91 98609 19463

Principal Officer:

Name: Atharva Bhide

Email: atharva.bhide@moneyworks4me.com

Mobile No:+91 91758 99463

SEBI regional/local office address-

Plot No. C 4-A , G Block, Near Bank of India, Bandra Kurla Complex, Bandra East, Mumbai, Maharashtra 400051

Address:

The Alchemists Ark Pvt. Ltd., B-101, Signet Corner Building, Balewadi Phata, Baner, Pune, Maharashtra 411045

Data provided by Accord Fintech Pvt. Ltd.

Please wait your portfolio is updating...

Name of the IA registered with SEBI:	The Alchemists Ark Pvt. Ltd.
Logo:
Trade/Brand Name of IA:	MoneyWorks4Me Investment Advisers
Brand Logo:
SEBI Registration Number:	INA000013323 Validity - May 16, 2019 - Perpetual
BASL Membership ID:	BASL1187
Address	B-101, Signet Corner Building, Balewadi Phata, Baner, Pune, Maharashtra 411045
Compliance officer Details:	Name: Shrikant Jagtap Email: shrikant.jagtap@moneyworks4me.com Telephone: +919860359463 Address: Same as IA
Grievance Officer Details:	Name: Mukta Vaze Email: mukta.vaze@moneyworks4me.com Telephone: +91 98609 19463 Address: Same as IA
Principal Officer Details:	Name: Atharva Bhide Email: atharva.bhide@moneyworks4me.com Telephone: +91 91758 99463 Address: Same as IA
Standard Warning:	Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Disclaimer:	Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

UCO Bank - Stock Valuation and Financial Performance

UCO Bank Share Price

UCO Bank - Stock Valuation and Financial Performance

UCO Bank Share Price

DeciZen - make an informed investing decision on UCO Bank Share

Overall Rating ⓘ

1. Quality

2. Valuation

3. Price Trend

UCO Bank stock performance -

Is UCO Bank an attractive stock to invest in?

1. Is UCO Bank a good quality company?

2. Is UCO Bank undervalued or overvalued?

3. Is UCO Bank a good buy now?

10 Year X-Ray of UCO Bank: Share

Analysis of Financial Track Record

CAGR ⓘ

Key Financial Ratios

Recent Performance Summary

Latest Financials - UCO Bank

Management X-Ray of UCO Bank: Share

Shareholding Pattern

Promoter's Holding & Share Pledging