UCO Bank (IN:UCOBANK)
:UCOBANK
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UCO Bank
(UCOBANK)
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Rating:59Neutral
Price Target:
₹28.00
▼(-8.26% Downside)
Action:DowngradedDate:05/03/26
The score is held back primarily by the sharp deterioration in 2026 operating/free cash flow despite improving earnings and a steadier balance-sheet profile. Technicals are only mildly supportive (short-term strength but still below longer-term averages), while valuation is difficult to assess due to an unusable P/E and only a modest dividend yield.
Positive Factors
Revenue & Profit Growth
Sustained revenue and net income expansion indicates durable demand across lending and fee businesses and improved operating leverage. Strong profit growth provides capacity to absorb credit shocks, fund loan growth, increase provisions when needed, and support long-term capital accumulation.
Negative Factors
Rising Total Debt
An increase in total debt raises structural funding and interest-cost risk; if debt growth outpaces asset quality or core deposits, leverage pressures could constrain lending flexibility and raise the bank's sensitivity to rising market funding costs over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Profit Growth
Sustained revenue and net income expansion indicates durable demand across lending and fee businesses and improved operating leverage. Strong profit growth provides capacity to absorb credit shocks, fund loan growth, increase provisions when needed, and support long-term capital accumulation.
Read all positive factors
UCO Bank (UCOBANK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹336.44B
Dividend Yield1.35%
Average Volume (3M)1.02M
Price to Earnings (P/E)―
Beta (1Y)1.52
Revenue GrowthN/A
EPS GrowthN/A
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 Ratio-1.18
Price to Book (P/B)1.28
Price to Sales (P/S)14.73
P/FCF Ratio0.00
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 makes money through (1) net interest income and (2) non-interest (fee and other) income. Net interest income is earned from the spread between interest received on interest-earning assets—such as loans and advances to retail, ag...
UCO Bank Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
70
Positive
Cash Flow
49
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 227.74B | 284.14B | 268.49B | 245.61B | 201.59B | 180.82B |
| Gross Profit | 111.07B | 123.29B | 114.12B | 108.08B | 98.51B | 95.73B |
| EBITDA | 29.71B | 47.46B | 41.45B | 28.50B | 31.23B | 10.95B |
| Net Income | 25.20B | 27.68B | 24.68B | 16.72B | 18.26B | 9.30B |
Balance Sheet | ||||||
| Total Assets | 3.66T | 3.96T | 3.62T | 3.24T | 3.01T | 2.68T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 238.85B | 361.27B | 290.25B | 287.28B | 261.48B |
| Total Debt | 265.16B | 233.10B | 286.87B | 211.79B | 265.09B | 181.63B |
| Total Liabilities | 3.34T | 3.63T | 3.31T | 2.96T | 2.75T | 2.44T |
| Stockholders Equity | 319.26B | 332.49B | 308.85B | 272.14B | 256.04B | 234.69B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -111.78B | 15.41B | 6.48B | 26.95B | 41.83B |
| Operating Cash Flow | 0.00 | -105.84B | 19.13B | 10.02B | 29.83B | 43.99B |
| Investing Cash Flow | 0.00 | -4.19B | -3.28B | -2.95B | -2.67B | -2.00B |
| Financing Cash Flow | 0.00 | -9.77B | 58.69B | -4.30B | -3.36B | -16.37B |
UCO Bank Technical Analysis
Neutral
30.52
Price Trends
26.87
Negative
28.17
Negative
29.39
Negative
Market Momentum
-0.06
Negative
56.81
Neutral
93.76
Negative
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 30.52 is above the 20-day moving average (MA) of 24.92, above the 50-day MA of 26.87, and above the 200-day MA of 29.39, indicating a neutral trend. The MACD of -0.06 indicates Negative momentum. The RSI at 56.81 is Neutral, neither overbought nor oversold. The STOCH value of 93.76 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
77 Outperform | ₹603.40B | 6.72 | ― | 2.60% | 15.57% | 21.59% | |
74 Outperform | ₹636.92B | 5.82 | ― | 2.87% | 10.67% | 15.26% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | ₹329.56B | 6.29 | ― | 1.58% | 7.29% | 10.25% | |
62 Neutral | ₹1.15T | 9.73 | ― | 2.07% | 8.72% | 3.94% | |
59 Neutral | ₹336.44B | ― | ― | 1.35% | ― | ― | |
58 Neutral | ₹674.37B | 11.53 | ― | ― | 11.22% | 57.74% |
* Financial Sector Average
IN:UCOBANK
UCO Bank
26.83
-4.20
-13.54%
IN:BANKINDIA
Bank of India
139.90
27.62
24.60%
IN:CENTRALBK
Central Bank of India
36.41
0.35
0.97%
IN:INDIANB
Indian Bank
852.95
290.67
51.69%
IN:IOB
Indian Overseas Bank
35.02
-2.53
-6.74%
IN:MAHABANK
Bank of Maharashtra
78.45
28.91
58.34%
UCO Bank Corporate Events
UCO Bank Clears FY26 Results, Dividend and Major Capital-Raising Plan
Apr 25, 2026
UCO Bank’s board has approved the audited financial results for the quarter and full year ended 31 March 2026, marking the close of its 2025-26 financial year. The board has also recommended a dividend of Rs 0.44 per equity share for 2025-26...
UCO Bank Clears FY26 Results, Dividend and Major Capital-Raising Plan
Apr 25, 2026
UCO Bank’s board has approved the audited financial results for the quarter and year ended 31 March 2026 and recommended a dividend of Rs 0.44 per equity share for FY 2025-26, subject to shareholder approval. The move underscores management&...
UCO Bank Clears Dividend, Rs 2,700 Crore Equity Issue and Rs 5,000 Crore Bond Plan
Apr 25, 2026
UCO Bank’s board has approved the audited financial results for the quarter and year ended March 31, 2026, and recommended a final dividend of Rs 0.44 per equity share for FY 2025-26, subject to shareholder approval at the upcoming annual me...
UCO Bank Releases Investor Presentation on FY 2025–26 Audited Results
Apr 25, 2026
UCO Bank has submitted an investor presentation detailing its audited financial results for the quarter and full year ended 31 March 2026. The bank has formally notified both the National Stock Exchange of India and BSE Limited, requesting that th...
UCO Bank Posts Strong FY26 Growth With Higher Profits, Better Asset Quality
Apr 25, 2026
UCO Bank reported strong growth for the quarter and year ended 31 March 2026, with total business rising 14.95% year-on-year to Rs. 5,90,314 crore driven by a 19.44% expansion in gross advances and an 11.59% rise in total deposits. The bank’...
UCO Bank Appoints Neeraj Daporkar as New Chief Compliance Officer
Apr 24, 2026
UCO Bank has reshuffled its top compliance leadership, appointing General Manager Neeraj Daporkar as Chief Compliance Officer effective 24 April 2026, succeeding General Manager Ravi Shankar Narayan, who moves to a new role within the bank. Dapork...
UCO Bank Names Neeraj Daporkar as Chief Compliance Officer
Apr 24, 2026
UCO Bank has appointed General Manager Neeraj Daporkar as its new Chief Compliance Officer with effect from April 24, 2026, replacing Ravi Shankar Narayan, who has been moved to another role within the bank. Daporkar, 47, brings more than 19 years...
UCO Bank Sets Post-Earnings Analyst Call for FY26 Results
Apr 22, 2026
UCO Bank has scheduled a post-earnings conference call with analysts to discuss its financial performance for the fourth quarter and full year ended 31 March 2026. The virtual group call, hosted by Antique Stock Broking, will take place on 27 Apri...
UCO Bank Elevates Rajeev Gupta as Chief Risk Officer in Leadership Reshuffle
Apr 13, 2026
UCO Bank has announced a key leadership change in its risk management function, appointing General Manager Rajeev Gupta as Chief Risk Officer with effect from April 14, 2026. He succeeds General Manager Shashi Kant Kumar, who has been reassigned a...
UCO Bank Names Rajeev Gupta as New Chief Risk Officer
Apr 13, 2026
UCO Bank has announced a leadership change in its risk management function, appointing General Manager Rajeev Gupta as Chief Risk Officer with effect from April 14, 2026. He succeeds General Manager Shashi Kant Kumar, who has been reassigned as Zo...
UCO Bank Announces Cessation of Two Part-Time Non-Official Directors
Apr 10, 2026
UCO Bank has announced a change in the composition of its board of directors following the completion of one-year terms for two part-time non-official directors. The bank disclosed to stock exchanges that Ravi Kumar Agrawal and Anjan Talukdar, app...
UCO Bank Announces Cessation of Two Part-Time Non-Official Directors
Apr 10, 2026
UCO Bank announced a change in the composition of its board of directors following the completion of the one-year tenures of part-time non-official directors Ravi Kumar Agrawal and Anjan Talukdar. Appointed under a Government of India notification...
UCO Bank Tweaks Select Benchmark Rates, Keeps MCLR Unchanged
Apr 10, 2026
UCO Bank’s Asset Liability Management Committee has conducted a review of the bank’s benchmark lending rates and decided to keep its Marginal Cost of Funds-based Lending Rate (MCLR) across all tenors unchanged, maintaining existing pri...
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...
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.