UCO Bank (UCOBANK) AI Stock Analysis

• Market Cap: ₹361.01B
• Dividend Yield: 1.35%
• Average Volume (3M): 1.02M
• Price to Earnings (P/E): 14.0
• Beta (1Y): 1.69
• Revenue Growth: 17.33%
• EPS Growth: 45.79%
• Country: IN
• Employees: 21,456
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 12,539,559,000
• 10 Day Avg. Volume: 817,744
• 30 Day Avg. Volume: 1,017,137
• PEG Ratio: 0.27
• Price to Book (P/B): 1.01
• Price to Sales (P/S): 1.06
• P/FCF Ratio: 20.31
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 75 Outperform
• Price Target: ₹34.00 ▲(11.40% Upside)

UCO Bank's strong financial performance is the most significant factor, supported by positive technical indicators. The valuation is fair, but not overly compelling. The absence of earnings call data and corporate events limits additional insights.

Positive Factors

Revenue Growth

UCO Bank's strong revenue growth indicates effective market penetration and product demand, supporting long-term business expansion.

Profitability

Significant EPS growth reflects enhanced profitability and operational efficiency, strengthening the bank's financial position.

Cash Flow Management

Efficient cash management ensures liquidity and supports investment in growth opportunities, enhancing financial stability.

Negative Factors

Debt Levels

Rising debt levels could strain financial resources and limit flexibility, posing risks if not managed carefully over time.

Financing Cash Flow Variability

Variability in financing strategies may indicate inconsistent funding approaches, potentially affecting long-term financial planning.

Lack of Comprehensive EBITDA Data

Absence of historical EBITDA data limits comprehensive analysis of operational efficiency and profitability trends over time.

UCO Bank Business Overview & Revenue Model

Company Description

UCO Bank provides a range of banking and financial services in India and internationally. It accepts deposit products, such as current accounts, saving accounts, salary accounts, fixed deposits, recurring deposits, accounts in foreign currency, salary accounts, and fee collection accounts. The company also provides agri, home, education, gold, personal, vehicle, and mortgage loans; finance to micro and small enterprises; working capital financing; term loans; infrastructure finance; and agriculture credit. In addition, it offers life, health, and general insurance products; credit and debit cards; internet banking services; and international banking services, including NRI banking, foreign currency loans, finance to exporters and importers, remittances, forex and treasury services, resident foreign currency deposits, and correspondent banking services to Indian customers, corporates, NRIs, overseas corporate bodies, foreign companies/individuals, and foreign banks. Further, the company provides government deposit schemes/bonds, pension payments/schemes, and tax collection services; merchant banking; and mutual funds. As of March 31, 2022, it operated 3072 domestic branches and 2 overseas branches. The company was formerly known as The United Commercial Bank Ltd. and changed its name to UCO Bank in December 1985. UCO Bank was founded in 1943 and is headquartered in Kolkata, India.

How the Company Makes Money

UCO Bank generates revenue primarily through interest income on loans and advances it provides to individuals, businesses, and government entities. The bank earns interest from various loan products, including personal loans, home loans, vehicle loans, and corporate loans. Additionally, UCO Bank derives income from its investment portfolio, comprising government securities and other financial instruments. Fee-based income, such as service charges on banking transactions, commissions from selling third-party financial products like insurance, and foreign exchange transactions, also contribute to the bank's earnings. UCO Bank's partnerships with financial institutions and technology providers help enhance its service offerings and expand its reach, further supporting revenue growth.

UCO Bank Financial Statement Overview

Summary

UCO Bank demonstrates strong financial health with consistent revenue and profit growth, solid equity management, and effective cash flow generation. Attention to debt management and cash flow stability is crucial for sustaining long-term growth.

Income Statement

UCO Bank's income statement shows strong performance with a notable increase in total revenue from 2024 to 2025, coupled with improved EBIT and net income. The gross profit margin remains robust, reflecting effective cost management. The net profit margin has also strengthened, indicating enhanced profitability. However, there is a lack of EBITDA data for earlier years, which limits comprehensive analysis in that area.

Balance Sheet

The balance sheet of UCO Bank reveals a solid equity position, with stockholders' equity increasing steadily over the years. The debt-to-equity ratio remains stable, suggesting moderate leverage. The equity ratio is healthy, indicating a strong asset base relative to liabilities. However, the bank's total debt has increased, which could pose potential risks if not managed properly.

Cash Flow

UCO Bank's cash flow statement shows positive trends in free cash flow and operating cash flow, reflecting efficient cash management. The free cash flow to net income ratio is favorable, highlighting the bank's ability to generate cash relative to its net income. However, fluctuations in financing cash flow may indicate variability in funding strategies.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	227.74B	268.49B	245.61B	201.59B	180.82B	178.91B
Gross Profit	111.07B	114.12B	108.08B	98.51B	95.73B	89.25B
EBITDA	29.71B	41.45B	28.50B	31.23B	10.95B	2.80B
Net Income	25.20B	24.68B	16.72B	18.26B	9.30B	1.46B
Balance Sheet
Total Assets	3.66T	3.62T	3.24T	3.01T	2.68T	2.53T
Cash, Cash Equivalents and Short-Term Investments	0.00	361.27B	290.25B	287.28B	261.48B	236.00B
Total Debt	265.16B	286.87B	211.79B	265.09B	181.63B	174.17B
Total Liabilities	3.34T	3.31T	2.96T	2.75T	2.44T	2.31T
Stockholders Equity	319.26B	308.85B	272.14B	256.04B	234.69B	226.06B
Cash Flow
Free Cash Flow	0.00	15.41B	6.48B	26.95B	41.83B	22.58B
Operating Cash Flow	0.00	19.13B	10.02B	29.83B	43.99B	24.22B
Investing Cash Flow	0.00	-3.28B	-2.95B	-2.67B	-2.00B	-1.55B
Financing Cash Flow	0.00	58.69B	-4.30B	-3.36B	-16.37B	32.66B

UCO Bank Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 30.52
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:UCOBANK, the sentiment is Negative. The current price of 30.52 is above the 20-day moving average (MA) of 29.14, above the 50-day MA of 30.33, and below the 200-day MA of 30.73, indicating a neutral trend. The MACD of -0.08 indicates Negative momentum. The RSI at 45.80 is Neutral, neither overbought nor oversold. The STOCH value of 45.90 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:UCOBANK.

UCO Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CENTRALBK	78 Outperform	₹334.18B	7.16	―	1.58%	6.84%	31.01%
UCOBANK	75 Outperform	₹361.01B	13.96	―	1.35%	17.33%	45.79%
BANKINDIA	74 Outperform	₹664.46B	6.89	―	2.87%	14.34%	20.97%
INDIANB	74 Outperform	₹1.12T	9.95	―	2.07%	9.74%	12.56%
MAHABANK	71 Outperform	₹482.88B	7.93	―	2.60%	18.36%	14.53%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IOB	52 Neutral	₹674.94B	15.27	―	―	―	―

UCO Bank Corporate Events

UCO Bank Closes Trading Window Ahead of Q3 FY2025-26 Results

UCO Bank has announced that its trading window for dealing in the bank’s shares will be closed from 1 January 2026 until 48 hours after the disclosure of its financial results for the quarter ended 31 December 2025, in compliance with SEBI’s Prohibition of Insider Trading Regulations, 2015. The bank has notified stock exchanges and internal stakeholders of this restriction and indicated that the date of the board meeting to approve these quarterly results will be communicated later, underscoring its adherence to regulatory norms on insider trading and disclosure practices for the protection of investors and market integrity.

UCO Bank Announces Details for Upcoming Post Earnings Call

UCO Bank has announced the details for its upcoming Post Earnings Call scheduled for October 17, 2025, at 3:00 PM. The call, hosted by Antique Stock Broking Limited, will discuss the bank’s financial performance for the quarter and half-year ending September 30, 2025. This event is significant for stakeholders as it provides insights into the bank’s operational and financial health, potentially impacting its market positioning.

UCO Bank Revises Benchmark Rates Amidst Strategic Review

UCO Bank has announced a revision in its benchmark rates following a review by its Asset Liability Management Committee. The changes, effective from October 10, 2025, include adjustments to the Marginal Cost of Funds based Lending Rate (MCLR) and Treasury Bill Linked Rate (TBLR), while other rates such as the Repo Linked Rates, Base Rate, and BPLR remain unchanged. These updates are likely to impact the bank’s lending operations and could influence its competitive positioning in the financial market.