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
₹23.70
+2.06% 1W | -23.70% 52W
Market Cap
29.8k CR
P/E Ratio
10
52W High
₹34.2
52W Low
₹22.2
Div. Yield
1.87%
Beta
0.7
50 DMA
₹24.5
200 DMA
₹26.1
Profit Margin
22.6%
Inst. Own.
2.6%
🚀 BREAKOUT
🚀 BREAKOUT
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
Promoters90.95%
FIIs0.13%
DIIs4.52%
Public4.38%
Promoters90.95%
FIIs0.13%
DIIs4.42%
Public4.49%
Promoters90.95%
FIIs0.08%
DIIs4.39%
Public4.58%
Promoters90.95%
FIIs0.06%
DIIs4.30%
Public4.68%
Promoters90.95%
FIIs0.06%
DIIs4.14%
Public4.84%
Promoters95.39%
FIIs0.16%
DIIs1.37%
Public3.08%
Promoters95.39%
FIIs0.03%
DIIs1.32%
Public3.26%
Promoters90.95%
FIIs0.44%
DIIs5.36%
Public3.26%
Promoters90.95%
FIIs0.08%
DIIs4.39%
Public4.58%
Promoters90.95%
FIIs0.06%
DIIs4.14%
Public4.84%
UCOBANK
Holdings Analysis
Key strengths & risk signals
66
Overall
78
Fundamental
55
Technical
Risks (3)
POOR YEAR! Stock declined 23.7% in the last year.
WEAK POSITION! Current price (23.7) is below both moving averages.
WEAK! Trading at 12.5% of 52W range - near yearly lows.
Strengths (4)
UNDERVALUED! PEG of 0.67 indicates stock is cheap relative to growth.
BREAKOUT! Stock has broken above resistance levels with momentum.
LOW VOLATILITY! Beta of 0.70 - stable stock, less market risk.
NEUTRAL! RSI at 49.2 - balanced momentum.
Fundamental & Technical Analysis
66Overall
78Fundamental
55Technical
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! 22.6% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.67 indicates stock is cheap relative to growth.
Dividend Yield
5/10
LOW DIVIDEND! 1.87% 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 (24.5) is below 200-day average (26.1) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (23.7) is below both moving averages.
Trend Pattern
20/20
BREAKOUT! Stock has broken above resistance levels with momentum.
52W Performance
1/10
POOR YEAR! Stock declined 23.7% in the last year.
Volume Sentiment
15/30
BEARISH SENTIMENT! In last 30 days: 15 up days, 15 down days. Avg volume on up days: 4,183,620 vs down days: 4,719,291. Ratio: 0.89x
RSI
3/5
NEUTRAL! RSI at 49.2 - balanced momentum.
52W Range
1/5
WEAK! Trading at 12.5% of 52W range - near yearly lows.
Momentum
3/5
MIXED MOMENTUM! Price growth is inconsistent - 2.1% (1 week), 0.2% (1 month), -8.9% (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 |
|---|---|---|
| Q1FY272026-10-16 | Concall PDF | |
| Q4FY262026-07-30 | Concall PDF | |
| Q3FY262026-01-28 | Concall PDF | |
| Q2FY262025-10-24 | Concall PDF |
Peer Comparison
Financial Services · Banks - Regional · 8 stocks
| 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 | ₹23.70 | 10 | 22.6% | 7.8% | 14.9% | -23.7% | 66 | BREAKOUT | +8.1% | -18.1% | +2.2% | +11.7% |
| CENTRALBK | ₹30.90 | 6.1 | 27.8% | 9.3% | 39.2% | -15.5% | 76 | APPROACHING RESISTANCE | +3.2% | +77.4% | -4.9% | -5.1% |
| BANDHANBNK | ₹167.50 | 20 | 13.6% | 5.0% | -17.7% | +5.4% | 53 | CONSOLIDATING DOWN | +34.9% | -6.1% | +1.2% | -1.2% |
| KARURVYSYA | ₹355.60 | 11.6 | 42.5% | 15.0% | 47.0% | +52.0% | 81 | HIT RESISTANCE | – | +4.3% | +22.1% | -5.6% |
| CUB | ₹227.40 | 16.1 | 37.8% | 9.1% | 12.3% | +35.5% | 77 | APPROACHING SUPPORT | +25.1% | +6.4% | +22.4% | -1.2% |
| YESBANK | ₹17.50 | 14.7 | 23.2% | 25.3% | 68.4% | -21.6% | 60 | BREAKDOWN | +32.6% | -1.0% | +11.0% | +4.7% |
| RBLBANK | ₹378.20 | 27.3 | 14.1% | 12.2% | -1.5% | +24.9% | 52 | BREAKDOWN | +9.3% | -4.2% | +1.0% | -6.0% |
| IOB | ₹31.00 | 10.1 | 36.6% | 14.2% | 37.1% | -22.7% | 60 | CONSOLIDATION | +45.6% | +10.3% | +38.3% | +22.8% |
Data from TradeAlone · Updated daily
