UCOBANK

UCO Bank (UCOBANK) Stock Analysis

UCO Bank is a public-sector bank headquartered in Kolkata serving retail, agriculture, and corporate customers across India. It offers deposits, loans, trade finance, and digital banking through a large branch network. The bank is majority-owned by the Government of India. It is listed on the NSE and BSE.

Financial Services › Banks - Regional

₹23.60

+1.46% 1W | -24.50% 52W

Market Cap

29.6k CR

P/E Ratio

10.5

52W High

₹34.2

52W Low

₹22.2

Div. Yield

1.9%

Beta

0.7

50 DMA

₹24.7

200 DMA

₹26.3

Profit Margin

21.5%

Inst. Own.

2.6%

📊 CONSOLIDATION

Fundamentals

Profit & Loss

Metric	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
Revenue	3,773	3,851	4,185	4,627	4,987	5,224	5,219	5,552	5,860	6,024	6,078	6,220	6,745
Interest	2,120	2,202	2,415	2,675	3,015	3,215	3,302	3,564	3,672	3,770	3,778	3,842	4,046
Expenses	1,757	1,402	1,766	1,754	2,025	2,295	1,924	2,072	2,507	2,227	2,355	2,567	3,055
Financing Profit	-105	248	4	198	-53	-286	-7	-84	-319	27	-54	-190	-356
Financing Margin %	-3%	6%	0%	4%	-1%	-5%	-0%	-2%	-5%	0%	-1%	-3%	-5%
Other Income	589	-54	780	823	960	633	647	861	1,125	835	993	1,186	1,392
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	484	193	784	1,021	907	347	640	777	806	862	939	996	1,036
Tax %	36%	36%	36%	36%	36%	36%	37%	35%	35%	36%	36%	36%	37%
Net Profit	315	117	497	654	557	225	404	505	538	555	607	640	666
EPS in Rs	0.26	0.10	0.42	0.55	0.47	0.19	0.34	0.42	0.45	0.46	0.51	0.54	0.53
Gross NPA %	7.89%	7.42%	6.58%	5.63%	4.78%	4.48%	4.14%	3.85%	3.46%	3.32%	3.18%	2.91%	2.69%
Net NPA %	2.70%	2.49%	1.99%	1.66%	1.29%	1.18%	1.11%	0.98%	0.89%	0.78%	0.73%	0.63%	0.50%

Metric	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Revenue	14,446	14,981	17,651	21,854	25,067
Interest	8,966	8,508	10,307	13,754	15,437
Expenses	8,845	7,658	6,729	8,517	9,892
Financing Profit	-3,365	-1,185	614	-416	-262
Financing Margin %	-23%	-8%	3%	-2%	-1%
Other Income	3,424	3,101	2,508	3,266	4,407
Depreciation	134	165	218	281	311
Profit before tax	-75	1,750	2,905	2,569	3,834
Tax %	-321%	47%	36%	36%	36%
Net Profit	188	965	1,826	1,672	2,468
EPS in Rs	0.19	0.81	1.53	1.40	1.97
Dividend Payout %	0%	0%	0%	20%	20%

Growth — CAGR

Metric	3Y	5Y	10Y
Revenue CAGR	19.0%	–	–
Profit CAGR	37.0%	–	–

Shareholding Pattern

Period

Promoters90.95%

FIIs0.06%

DIIs4.14%

Public4.84%

UCOBANK

Holdings Analysis

Key strengths & risk signals

Overall

Fundamental

Technical

Risks (3)

POOR YEAR! Stock declined 24.5% in the last year.

WEAK POSITION! Current price (23.6) is below both moving averages.

WEAK! Trading at 11.7% of 52W range - near yearly lows.

Strengths (4)

UNDERVALUED! PEG of 0.70 indicates stock is cheap relative to growth.

LOW VOLATILITY! Beta of 0.70 - stable stock, less market risk.

BULLISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 4,023,410 vs down days: 3,720,825. Ratio: 1.08x

NEUTRAL! RSI at 47.2 - balanced momentum.

Fundamental & Technical Analysis

63Overall

78Fundamental

49Technical

Fundamental Breakdown

Growth Quality

19/30

Revenue CAGR: 7.8% (MODERATE, 8/15). Profit CAGR: 14.9% (GOOD, 11/15).

Profit Margin

8/10

EXCELLENT EFFICIENCY! 21.5% profit margin - company keeps strong profits.

PEG Valuation

10/10

UNDERVALUED! PEG of 0.70 indicates stock is cheap relative to growth.

Dividend Yield

5/10

LOW DIVIDEND! 1.9% yield - minimal income contribution.

Debt to Equity

6/10

MODERATE DEBT! D/E of 0.83 - acceptable leverage.

Public Holding

20/20

VERY LESS PUBLIC HOLDING! 3.2% public ownership - strong promoter/institutional control.

Stability Index

10/10

PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.

Technical Breakdown

Moving Averages

5/10

BEARISH TREND! 50-day average (24.7) is below 200-day average (26.3) - negative signal.

Price Position

2/10

WEAK POSITION! Current price (23.6) is below both moving averages.

Trend Pattern

10/20

Current trend: CONSOLIDATION

52W Performance

1/10

POOR YEAR! Stock declined 24.5% in the last year.

Volume Sentiment

20/30

BULLISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 4,023,410 vs down days: 3,720,825. Ratio: 1.08x

RSI

3/5

NEUTRAL! RSI at 47.2 - balanced momentum.

52W Range

1/5

WEAK! Trading at 11.7% of 52W range - near yearly lows.

Momentum

2/5

WEAK MOMENTUM! Limited price growth - 1.5% (1 week), -2.1% (1 month), -10.0% (3 months).

Beta

5/5

LOW VOLATILITY! Beta of 0.70 - stable stock, less market risk.

UCOBANK

Concall / Investor Presentation

Earnings call transcripts & AI summaries

Quarter	Concall	Summary
Q4FY262026-07-30	Concall PDF
Q3FY262026-01-28	Concall PDF
Q2FY262025-10-24	Concall PDF

Peer Comparison

Financial Services · Banks - Regional · 8 stocks

Industry peers

Stock	Price	P/E	Profit Margin	Revenue CAGR 5Y	Profit CAGR 5Y	52W Change	Stock Strength	Trendline	YoY Profit	QoQ Profit	YoY Revenue	QoQ Revenue
UCOBANK	₹23.60	10.5	21.5%	7.8%	14.9%	-24.5%	63	CONSOLIDATION	+8.1%	-18.1%	+2.2%	+11.7%
BANDHANBNK	₹172.00	20.5	13.6%	5.0%	-17.7%	-3.4%	56	BREAKDOWN	+34.9%	-6.1%	+1.2%	-1.2%
CENTRALBK	₹30.40	6	27.8%	9.3%	39.2%	-18.1%	73	CONSOLIDATION	+3.2%	+77.4%	-4.9%	-5.1%
KARURVYSYA	₹348.60	12.4	41.3%	18.7%	31.4%	+53.7%	81	APPROACHING RESISTANCE	+44.9%	+4.2%	+22.1%	-5.6%
CUB	₹234.50	16.6	37.8%	9.1%	12.3%	+44.8%	77	CONSOLIDATING UP	+25.1%	+6.4%	+22.4%	-1.2%
IOB	₹30.80	10	36.6%	14.2%	37.1%	-20.8%	65	BOUNCE FROM SUPPORT	+45.6%	+10.3%	+38.3%	+22.8%
RBLBANK	₹388.10	28	11.1%	12.2%	-1.5%	+43.4%	53	BREAKDOWN	+9.3%	-4.2%	+1.0%	-6.0%
BANKINDIA	₹134.30	5.2	35.0%	7.3%	39.0%	+8.2%	70	APPROACHING SUPPORT	+80.5%	+7.0%	+14.4%	-5.1%

Data from TradeAlone · Updated daily

UCOBANK News

Uco Bank Q1 Fy2026-27: Strong Business Growth and Profitability Surge2026-07-22 UCO Bank (NSE: UCOBANK) breaks out, moves up 7% intraday2026-06-18 UCO Bank (NSE: UCOBANK) breaks out, gains 11% intraday2026-06-17 UCO Bank (UCOBANK) gains 7% intraday, breaks out2026-06-17