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UCO Bank share price

UCO Bank

NSE: UCOBANK BSE: 532505 SECTOR: Bank - Public  153k   484   90

52.87
0 0
BSE: 17 May 04:01 PM

Price Summary

Today's High

₹ 53.2

Today's Low

₹ 52.35

52 Week High

₹ 70.66

52 Week Low

₹ 25.65

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

63211.15 Cr.

CASA %

36.79

No. of Shares

1195.6 Cr.

P/E

38.22

P/B

2.59

Face Value

₹ 10

Div. Yield

0.52 %

Book Value (TTM)

₹  20.37

Net Interest Income

7343.13 Cr.

Cost To Income %

55.94

Promoter Holding

95.39 %

EPS (TTM)

₹  1.38

CAR %

16.51

ROE

8.5 %

ROCE

9.11%

Profit Growth

100.3 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Index Presence

The company is present in 19 Indices.

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year8.5%
3 Year4.78%
5 Year-9.71%

ROA%

1 Year0.66%
3 Year0.36%
5 Year-0.38%

Net NPA%

1 Year1.29%
3 Year2.64%
5 Year4.62%

 NIM

1 Year2.62%
3 Year2.55%
5 Year2.43%

CAR %

16.51

Cost of Liabilities %

3.81983341559046

PEG Ratio

0.38

Advances Growth %

26.9462338790684

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2024 95.39 0
Dec 2023 95.39 0
Sep 2023 95.39 0
Jun 2023 95.39 0
Mar 2023 95.39 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • CASA stands at 36.7871029085341% of total deposits.
  • Good Capital Adequacy Ratio of 16.51%.
  • The company has delivered good Profit growth of 40.3434823290572% over the past 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.360040560551079%
  • CASA Growth of -2.6335078258074% YoY, which is very low.
  • Company has a low ROE of 4.78261303381741% over the last 3 years.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 2.64333333333333%.
  • High Cost to income ratio of 55.9393850111258%.
  • The company has delivered poor Income growth of 5.26027521669132% over the past 3 years.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Interest Earned 4987.41 5223.93 5218.82 5551.89 5859.7
Other Income 959.53 633.02 646.79 860.82 1124.91
Interest Expended 3015.3 3215.13 3302.27 3563.82 3672.34
Operating Expenses 1574.59 1439.47 1581.46 1729.75 2039.39
Total Provisions 450.54 855.69 342.09 342.25 467.37
Profit Before Tax 906.51 346.66 639.79 776.89 805.51
Tax 325.27 123.18 238.12 274.06 279.74
Net Profit 581.24 223.48 401.67 502.83 525.77
Net NPA % 1.29 1.18 1.11 0.98 0.89
Gross NPA % 4.78 4.48 4.14 3.85 3.46
Return on Assets % 0.73 0.28 0.54 0.67 0.69
NPM % 11.65 4.28 7.7 9.06 8.97

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Interest Earned 14330.63 15134.33 14446.15 14981.34 17650.52
Other Income 1513.51 2871.21 3424.17 3100.81 2508.46
Interest Expended 10019.48 10042.06 8966.45 8508.39 10307.39
Operating Expenses 3064.42 3127.89 4754.81 4776.32 5510.92
Total Provisions 9825.09 8548.14 4224.55 3047.07 1435.56
Profit Before Tax -7064.84 -3712.54 -75.49 1750.36 2905.11
Taxes -2743.76 -1275.71 -242.52 820.6 1042.77
Net Profit -4321.08 -2436.83 167.03 929.76 1862.34
Adjusted EPS (Rs.) -7.97 -2.46 0.17 0.78 1.56

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 5423.4 9918.34 9918.34 11955.96 11955.96
Total Reserves 8370.97 9291.28 10088.07 11637.54 13808.55
Deposits 197906.78 193203.44 205919.39 224072.9 249337.74
Borrowings 8323.68 15695.06 15382.63 13508.14 20501.08
Other Liabilities 6862.57 7800.02 9427.67 6609.48 5259.66
Total Liabilities 230484.08 235908.15 253336.11 267784.02 300862.99
Assets
Balance with RBI 8823.01 6776.73 9445.41 10287.55 10300.01
Balance with Banks 15609.09 11029.43 14154.83 15860.44 18428.09
Investments 82231.69 90998.81 93782.95 96873.8 95169.35
Advances 99313.84 101174.25 111354.54 122784.41 155870.18
Net Block 2814.3 2832.4 3151.2 3287.09 3444.5
Other Assets 21684.13 23088.55 21380.14 18642.9 17585.85
Total Assets 230484.08 235908.15 253336.11 267784.02 300862.99
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
promoters 95.39 95.39 95.39 95.39 95.39
president of india 95.39 95.39 95.39 95.39 95.39
PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
investors 4.61 4.61 4.61 4.61 4.61
life insurance corporatio... 1.24 1.24 1.24 1.24 1.24

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

UCO Bank reports 10% fall in Q4 net profit30 Apr 2024, 2:52PM UCO Bank - Quaterly Results29 Apr 2024, 7:31PM UCO Bank - Quaterly Results29 Apr 2024, 7:31PM UCO Bank informs about update on benchmark rates 10 Apr 2024, 2:42PM UCO Bank informs about confirmation certificate6 Apr 2024, 1:58PM UCO Bank informs about compliances-certificate 6 Apr 2024, 11:50AM Uco Bank informs about issue of duplicate share certificate15 Mar 2024, 5:25PM Uco Bank informs about appointment of secretarial auditor15 Mar 2024, 5:07PM Uco Bank informs about details of loss of certificate 12 Mar 2024, 5:05PM UCO Bank informs about transcript of investors meet2 Feb 2024, 1:51PM UCO Bank informs about statement of deviation or variation25 Jan 2024, 12:16PM UCO Bank - Quaterly Results24 Jan 2024, 3:21PM UCO Bank - Quaterly Results24 Jan 2024, 3:21PM UCO Bank - Quaterly Results24 Jan 2024, 3:21PM Uco Bank informs about press release12 Jan 2024, 5:09PM UCO Bank informs about update on benchmark rates 11 Dec 2023, 12:51PM Uco Bank informs about loss of share certificate6 Dec 2023, 4:11PM UCO Bank - Quaterly Results3 Nov 2023, 1:44PM UCO Bank - Quaterly Results3 Nov 2023, 1:44PM UCO Bank - Quaterly Results3 Nov 2023, 1:44PM Uco Bank informs about loss of share certificate31 Oct 2023, 2:49PM UCO Bank informs about analysts meet 31 Oct 2023, 11:55AM UCO Bank informs about compliances-certificate7 Oct 2023, 4:08PM Uco Bank informs about earnings call transcript2 Aug 2023, 3:01PM UCO Bank reports 81% rise in Q1 net profit29 Jul 2023, 2:40PM UCO Bank - Quaterly Results28 Jul 2023, 3:42PM UCO Bank - Quaterly Results28 Jul 2023, 3:42PM UCO Bank - Quaterly Results28 Jul 2023, 3:42PM UCO Bank informs about presentation3 May 2023, 11:13AM UCO Bank reports 86% rise in Q4 net profit 2 May 2023, 3:47PM UCO Bank - Quaterly Results2 May 2023, 3:05PM UCO Bank - Quaterly Results2 May 2023, 3:05PM UCO Bank - Quaterly Results2 May 2023, 3:05PM Uco Bank informs about allotment18 Mar 2023, 2:08PM UCO Bank raises Rs 500 crore through Debenture18 Mar 2023, 1:00PM UCO Bank reports over 2-fold jump in Q3 net profit25 Jan 2023, 2:59PM UCO Bank - Quaterly Results24 Jan 2023, 1:39PM UCO Bank - Quaterly Results24 Jan 2023, 1:39PM UCO Bank - Quaterly Results24 Jan 2023, 1:39PM UCO Bank gets nod to raise up to Rs 1000 crore via bonds3 Jan 2023, 2:19PM UCO Bank planning to acquire additional shares in PSB Alliance29 Dec 2022, 3:09PM UCO Bank planning to raise Rs 1000 crore via Bonds 28 Dec 2022, 12:58PM UCO Bank informs about strike 18 Nov 2022, 12:51PM UCO Bank reports over 2-fold jump in Q2 standalone net profit4 Nov 2022, 4:14PM UCO Bank - Quaterly Results3 Nov 2022, 2:09PM UCO Bank - Quaterly Results3 Nov 2022, 2:09PM UCO Bank - Quaterly Results3 Nov 2022, 2:09PM UCO Bank in process of opening special Vostro account with Gazprombank 29 Sep 2022, 9:39AM UCO Bank partners with Mahindra & Mahindra14 Sep 2022, 10:11AM UCO Bank reports 21% rise in Q1 net profit6 Aug 2022, 10:33AM

UCO Bank Stock Price Analysis and Quick Research Report. Is UCO Bank an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how UCO Bank is performing and if it is the right time to buy the stock of UCO Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. UCO Bank has earned Rs 17650.5183 Cr. revenue in the latest financial year. UCO Bank has posted Poor revenue growth of 5.26027521669132 % in last 3 Years.

  • In terms of advances, UCO Bank reported 26.9462338790684 % YOY,  rise . If you see 3 years advance growth, it stands at 15.4953082753846 %.

  • Currently, UCO Bank has a CASA ratio of 36.7871029085341 %. It’s overall cost of liability stands at 3.81983341559046 %. Also, the total deposits from these accounts stood at Rs 249337.737 Cr.

  • UCO Bank has a Poor ROA track record. The ROA of UCO Bank is at 0.655006565688354 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA of UCO Bank stood at 4.78 % and 1.29 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is negative at -52.8871865177245 % which means it has decreased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of UCO Bank decreased and is currently at Rs 2508.4581 Cr.

  • UCO Bank has a Good Capital Adequacy Ratio of 16.51 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently UCO Bank is trading at a P/B of 2.6323 . The historical average PB was 0.800151530176116.

  • Share Price: - The current share price of UCO Bank is Rs 52.8. One can use valuation calculators of ticker to know if UCO Bank share price is undervalued or overvalued.

Last Updated on:
Brief about UCO Bank

UCO Bank Financials: Check Share Price, Balance Sheet, Annual Report and Quarterly Results for Company Analysis

UCO Bank is a well-known public sector bank in India that offers a range of financial services to its customers. For long-term stock investors who are interested in evaluating the potential of UCO Bank as an investment option, our UCO Bank stock analysis page provides a comprehensive set of resources and tools. In this article, we will cover a range of topics, including the share price, balance sheet, annual reports, dividends, quarterly results, stock price trends, price charts, news updates, conference calls, transcripts, investor presentations, promoters, and shareholders.

UCO Bank Share Price Analysis

Analyzing the share price of UCO Bank is an important factor for long-term investors looking to evaluate the company's growth potential and stock performance. Our platform offers pre-built screening tools that allow investors to track the historical share price of the bank over different time frames. By studying price trends, trading volumes, trading range and the stock's relative performance compared to market indices, investors can gain valuable insights into UCO Bank's financial stability, growth prospects, and viability as a long-term investment. To conduct a more comprehensive analysis of UCO Bank's share price, investors can utilize our premium features tools, including DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis.

UCO Bank Balance Sheet Evaluation

Evaluating UCO Bank's balance sheet is a critical step for long-term investors to understand the company's financial position and growth potential. Our platform offers pre-built screening tools that enable investors to assess UCO Bank's balance sheet. By examining key financial metrics such as current assets, current liabilities, and long-term debt, investors can gain insights into the company's financial stability, liquidity, and potential for growth. Additionally, our platform provides access to premium features tools, including DCF Analysis, BVPS Analysis, Earnings multiple approaches, and DuPont analysis, enhancing the evaluation process and providing a more comprehensive analysis of UCO Bank's balance sheet.

UCO Bank Annual Reports

UCO Bank's annual reports are valuable resources that provide an overview of the company's performance, strategies, and plans. On our platform, you can access downloadable PDF reports of UCO Bank's annual reports, along with expert reviews and analysis of their contents. These reports offer insights into UCO Bank's business model, competitive landscape, and macroeconomic factors that may impact its operations. By combining this information with our premium features tools, investors can perform a comprehensive analysis and make well-informed decisions about their long-term investment positions in UCO Bank.

UCO Bank Dividend Payments

Analyzing UCO Bank's dividend payments is crucial for long-term investors seeking stable returns. Our stock analysis page provides comprehensive data on UCO Bank's dividend payment history. Investors can analyze the company's profitability, dividend policy, and metrics, such as the dividend yield and payout ratio, to make well-informed investment decisions. Remember to leverage our premium features tools, including DCF Analysis, BVPS Analysis, Earnings multiple approaches, and DuPont analysis, to evaluate the impact of dividends on UCO Bank's stock value and overall investment strategy.

UCO Bank Quarterly Results Analysis

Analyzing UCO Bank's quarterly results is vital for investors to evaluate the company's short-term performance and gauge its future growth potential. On our website, you can find downloadable PDF files of UCO Bank's quarterly results. These reports allow investors to assess the company's recent performance, key financial metrics such as revenue growth, earnings per share, and margins, and understand trends that may affect UCO Bank's future growth. By leveraging our premium features tools and conducting a thorough analysis, long-term investors can make well-informed decisions regarding their investment positions in UCO Bank.

UCO Bank Stock Price Trends

Analyzing UCO Bank's stock price trends is essential for understanding its growth potential and market sentiment. Our pre-built screening tools enable investors to track UCO Bank's stock price trends over different time frames, helping identify short-term and long-term patterns and pricing volatility. By leveraging our platform's premium features tools, investors can make well-informed decisions about long-term investment positions in UCO Bank.

UCO Bank Price Charts

Technical analysis via price chart analysis provides additional insights into UCO Bank's stock performance. On our website, you can find dynamic price charts displaying historical price movements, technical indicators, and patterns. These charts assist investors in identifying potential entry and exit points, support and resistance levels, and trend reversals. By incorporating these insights into our premium features tools, investors can conduct a comprehensive analysis and make well-informed decisions about UCO Bank as a long-term investment.

UCO Bank News Updates

Staying updated with the latest news and developments concerning UCO Bank is fundamental for long-term investors. Our website provides comprehensive and timely information sourced from reliable news channels. Through articles and news updates, investors gain insights into UCO Bank's industry trends, market position, and future outlook. This information empowers investors to make well-informed decisions and stay ahead of market dynamics affecting their long-term investment positions in UCO Bank.

UCO Bank Conference Calls

UCO Bank's conference calls offer crucial insights into the company's operations, financial performance, and growth strategies. On our platform, you can find a searchable collection of UCO Bank's conference calls, including downloadable recordings. By listening to these calls, investors gain a deep understanding of UCO Bank's management team, growth plans, and economic factors impacting the company's performance. Leveraging our premium features tools, investors can conduct a comprehensive analysis and make well-informed decisions regarding their long-term investment positions in UCO Bank.

UCO Bank Transcripts

Transcripts of UCO Bank's conference calls capture important discussions and insights, providing investors with a detailed record. Our platform provides downloadable transcripts that include in-depth analyses of the company's financial performance, future plans, and market trends. Reviewing these transcripts offers valuable insights into UCO Bank's strategies, growth potential, and adaptability to market dynamics. By leveraging our premium features tools and conducting a comprehensive analysis, investors can make well-informed decisions about UCO Bank.

UCO Bank Investor Presentations

UCO Bank's investor presentations offer detailed information about the company's financials, strategic initiatives, and future plans. On our platform, you can easily access these investor presentations in downloadable PDF format. Investor presentations provide insights beyond the numbers, deep-diving into UCO Bank's growth strategy, market expansion plans, and competitive advantages. By leveraging our premium features tools and pre-built screening tools, investors can conduct a comprehensive analysis of UCO Bank and make sound investment decisions.

UCO Bank Promoters and Shareholders

Understanding the ownership structure of UCO Bank is crucial for long-term investors seeking to evaluate the company's growth potential and stability. Our pre-built screening tools enable investors to assess promoter holdings and analyze the company's shareholder base. By understanding the distribution of ownership and alignment of interests, investors can make well-informed decisions about their long-term investment positions in UCO Bank.

UCO Bank ROCE

The Return on Capital Employed (ROCE) for UCO Bank provides insights into the company's ability to generate profit from its capital investments. By analyzing the ROCE, investors and analysts can gauge the efficiency of the bank in utilizing its capital and make informed investment decisions. On our UCO Bank stock analysis page, you can find the ROCE ratio, which is calculated by dividing operating profit by the capital employed. This ratio helps investors assess the bank's profitability and its ability to generate returns for its shareholders.

UCO Bank EBITDA

EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) is a key financial metric that evaluates a company's operating performance. It provides a clearer picture of the bank's profitability by excluding non-operating expenses. On our UCO Bank stock analysis page, you can find the EBITDA ratio, which is derived by adding back depreciation, amortization, and other non-cash expenses to the bank's operating profit. This ratio helps investors assess the bank's operational efficiency and its ability to generate revenue.

UCO Bank DPS

The Dividend Per Share (DPS) is an important indicator for investors seeking consistent income from their investments. It measures the portion of a company's earnings distributed to shareholders in the form of dividends on a per-share basis. On our UCO Bank stock analysis page, you can find the DPS ratio, which represents the dividend paid per share of UCO Bank's stock. This ratio helps investors assess the bank's dividend policy and the potential returns they can expect from holding the stock.

UCO Bank EPS

The Earnings Per Share (EPS) is a widely-used financial metric that shows the profitability of a company on a per-share basis. It provides insights into the bank's ability to generate earnings for its shareholders. On our UCO Bank stock analysis page, you can find the EPS ratio, which is calculated by dividing the bank's net income by the total number of outstanding shares. This ratio helps investors assess the bank's profitability and its potential to generate returns for shareholders.

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