UCO Bank (UCOBANK) AI Stock Analysis

• Market Cap: ₹355.75B
• Dividend Yield: 1.36%
• Average Volume (3M): 542.13K
• Price to Earnings (P/E): 13.8
• Beta (1Y): 1.66
• Revenue Growth: 17.33%
• EPS Growth: 45.79%
• Country: IN
• Employees: 21,456
• Sector: Financial
• Sector Strength: 71
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 12,539,559,000
• 10 Day Avg. Volume: 520,467
• 30 Day Avg. Volume: 542,125
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: ₹35.00
• Price Target Upside: 21.99% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 71 Outperform
• Price Target: ₹35.00 ▲(21.99% Upside)

UCO Bank's overall stock score of 71.3 reflects strong financial performance, driven by revenue and profit growth, and effective cash management. Technical analysis indicates mixed signals, with momentum slightly bearish. Valuation is reasonable with moderate investor expectations. The absence of earnings call and corporate events data did not impact the score calculation.

UCO Bank Business Overview & Revenue Model

Company Description

UCO Bank, established in 1943, is a major public sector bank in India. It operates across multiple sectors, offering a wide range of financial services, including retail banking, corporate banking, international banking, and treasury operations. The bank provides a variety of products such as savings accounts, current accounts, fixed deposits, loans, and credit cards. UCO Bank also offers digital banking services, enabling customers to conduct transactions online through various platforms.

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's financial statements reflect strong financial health. The income statement indicates robust revenue and profit growth with improved margins. The balance sheet shows a solid equity position and stable leverage, though debt has increased. Cash flow statements highlight efficient cash management but indicate variability in funding strategies.

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 2024	Dec 2024	Dec 2022	Dec 2021	Dec 2021
Income Statement
Total Revenue	171.44B	93.59B	294.74B	98.52B	89.40B	95.73B
Gross Profit	209.23B	251.20B	140.37B	98.52B	89.40B	95.73B
EBITDA	9.43B	28.50B	38.34B	0.00	0.00	0.00
Net Income	24.68B	16.72B	24.68B	18.26B	1.46B	9.30B
Balance Sheet
Total Assets	3.62T	3.24T	3.62T	3.01T	2.53T	2.68T
Cash, Cash Equivalents and Short-Term Investments	361.27B	195.45B	361.27B	193.42B	149.64B	167.77B
Total Debt	286.87B	211.79B	286.87B	205.01B	158.91B	141.16B
Total Liabilities	3.31T	2.96T	3.31T	2.75T	2.31T	2.44T
Stockholders Equity	308.85B	272.14B	308.85B	257.65B	226.06B	234.69B
Cash Flow
Free Cash Flow	0.00	6.48B	15.41B	26.95B	22.58B	41.83B
Operating Cash Flow	0.00	10.02B	19.13B	29.83B	24.22B	43.99B
Investing Cash Flow	0.00	-2.95B	-3.28B	-2.67B	-1.55B	-2.00B
Financing Cash Flow	0.00	-4.30B	58.69B	-3.36B	32.66B	-16.37B

UCO Bank Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 28.69
• 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 Neutral. The current price of 28.69 is above the 20-day moving average (MA) of 28.53, below the 50-day MA of 30.14, and below the 200-day MA of 35.45, indicating a neutral trend. The MACD of -0.36 indicates Negative momentum. The RSI at 44.84 is Neutral, neither overbought nor oversold. The STOCH value of 45.85 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:UCOBANK.

UCO Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CENTRALBK	72 Outperform	₹319.79B	7.27		0.57%	9.94%	35.44%
UCOBANK	71 Outperform	₹355.75B	13.75		1.36%	17.33%	45.79%
Sector *	68 Neutral	$17.81B	11.87	10.24%	3.74%	9.75%	1.30%
BANKINDIA	67 Neutral	₹510.58B	5.38		3.60%	18.55%	31.54%
INDIANB	―	₹895.06B	8.16		2.45%	―	―
IOB	―	₹741.57B	18.74		―	―	―
MAHABANK	―	₹400.42B	6.82		2.85%	―	―

UCO Bank Corporate Events

UCO Bank Releases Post-Earnings Call Transcript

UCO Bank has released the transcript of its post-earnings call with analysts, which took place on July 21, 2025. The call, conducted virtually, featured insights from the bank’s senior management, including the Managing Director & CEO, and was moderated by Antique Stock Broking Limited. This release is part of the bank’s compliance with SEBI regulations and aims to provide transparency to stakeholders regarding the bank’s financial performance and strategic direction.