UCO Bank (IN:UCOBANK)
:UCOBANK
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UCO Bank
(UCOBANK)
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Rating:75Outperform
Price Target:
₹27.00
▼(-11.53% Downside)
Action:ReiteratedDate:10/01/25
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 & Profit Growth
Sustained revenue and net income growth indicates expanding lending and fee businesses, strengthening core earnings. Over 2-6 months this supports higher internal capital generation for lending, provisioning buffers, and investments in digital channels, improving profitability resilience.
Negative Factors
Rising Total Debt
An increase in total debt raises structural funding obligations and can elevate interest expense if rates rise. Over months, higher leverage narrows buffers for credit shocks, constrains capital available for organic growth and heightens sensitivity to wholesale funding conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Profit Growth
Sustained revenue and net income growth indicates expanding lending and fee businesses, strengthening core earnings. Over 2-6 months this supports higher internal capital generation for lending, provisioning buffers, and investments in digital channels, improving profitability resilience.
Read all positive factors
UCO Bank (UCOBANK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹295.93B
Dividend Yield1.35%
Average Volume (3M)1.02M
Price to Earnings (P/E)―
Beta (1Y)1.55
Revenue Growth17.33%
EPS Growth45.79%
CountryIN
Employees21,456
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding12,539,559,000
10 Day Avg. Volume817,744
30 Day Avg. Volume1,017,137
Financial Highlights & Ratios
PEG Ratio0.27
Price to Book (P/B)1.01
Price to Sales (P/S)1.17
P/FCF Ratio20.31
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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, sa...
How the Company Makes Money
UCO Bank primarily earns money through a mix of interest-based income and fee/other income typical of commercial banking. (1) Net interest income: The largest source is interest earned on loans and advances (e.g., retail loans, MSME and corporate ...
UCO Bank Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
80
Positive
Cash Flow
78
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 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
Negative
30.52
Price Trends
27.79
Negative
28.98
Negative
29.75
Negative
Market Momentum
-1.21
Positive
32.13
Neutral
23.98
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 26.13, above the 50-day MA of 27.79, and above the 200-day MA of 29.75, indicating a bearish trend. The MACD of -1.21 indicates Positive momentum. The RSI at 32.13 is Neutral, neither overbought nor oversold. The STOCH value of 23.98 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | ₹297.70B | 6.69 | ― | 1.58% | 6.84% | 31.01% | |
75 Outperform | ₹295.93B | ― | ― | 1.35% | 17.33% | 45.79% | |
74 Outperform | ₹659.91B | 5.82 | ― | 2.87% | 14.34% | 20.97% | |
71 Outperform | ₹495.80B | 6.63 | ― | 2.60% | 18.36% | 14.53% | |
69 Neutral | ₹1.17T | 8.96 | ― | 2.07% | 9.74% | 12.56% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
52 Neutral | ₹619.29B | 12.72 | ― | ― | ― | ― |
* Financial Sector Average
IN:UCOBANK
UCO Bank
23.60
-7.23
-23.45%
IN:BANKINDIA
Bank of India
144.95
38.51
36.18%
IN:CENTRALBK
Central Bank of India
32.89
-8.92
-21.33%
IN:INDIANB
Indian Bank
871.30
353.58
68.30%
IN:IOB
Indian Overseas Bank
32.16
-5.56
-14.74%
IN:MAHABANK
Bank of Maharashtra
64.46
20.29
45.93%
UCO Bank Corporate Events
UCO Bank Calls March 2026 EGM to Elect Shareholder Director and Extend ED Tenure
Feb 19, 2026
UCO Bank has called an Extraordinary General Meeting for 16 March 2026, to be conducted via video conferencing and other audio-visual means, with remote e-voting available between 12 and 15 March. The meeting will address the election of one share...
UCO Bank Warns of Potential Service Disruption Amid Nationwide Bank Strike Call
Feb 11, 2026
UCO Bank has disclosed that major bank unions AIBEA, BEFI and AIBOA have called for a nationwide bank strike on 12 February 2026, following a broader industrial action led by central trade unions. The bank says it is taking measures to keep branch...
UCO Bank Warns of Possible Operational Disruptions Amid UFBU Strike Call on January 27
Jan 25, 2026
UCO Bank has notified the stock exchanges that the United Forum of Bank Unions (UFBU), along with the All India Bank Officers’ Association, has issued a nationwide bank strike call for 27 January 2026 to press for their demands. While the ba...
UCO Bank Publishes Analyst Earnings Call Recording on Website
Jan 20, 2026
UCO Bank has notified the stock exchanges that the audio and video recording of its post-earnings call with analysts held on 20 January 2026 has been uploaded to the bank’s website. By making the proceedings of the analyst meet publicly acce...
UCO Bank Trims MCLR and TBLR Benchmarks Effective 11 January 2026
Jan 10, 2026
UCO Bank’s Asset Liability Management Committee has revised its benchmark lending rates effective 11 January 2026, marginally reducing the MCLR across all tenors by 5 basis points, with the one-year MCLR now set at 8.75%. The bank has also c...
UCO Bank Closes Trading Window Ahead of Q3 FY2025-26 Results
Dec 29, 2025
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&#...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.