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UCO Bank share price

UCO Bank

NSE: UCOBANK BSE: 532505 SECTOR: Bank - Public  186k   525   100

49.55
-0.49 (-0.98%)
BSE: 09 Dec 04:00 PM

Price Summary

Today's High

₹ 50.37

Today's Low

₹ 49.25

52 Week High

₹ 70.66

52 Week Low

₹ 36.79

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.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

59241.77 Cr.

CASA %

37.45

No. of Shares

1195.6 Cr.

P/E

27.15

P/B

2.36

Face Value

₹ 10

Div. Yield

0.57 %

Book Value (TTM)

₹  21.03

Net Interest Income

8100.78 Cr.

Cost To Income %

59.74

Promoter Holding

95.39 %

EPS (TTM)

₹  1.83

CAR %

16.98

ROE

6.99 %

ROCE

9.07%

Profit Growth

-11.2 %

* 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 22 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 Year6.99%
3 Year6.79%
5 Year0.82%

ROA%

1 Year0.53%
3 Year0.51%
5 Year0.11%

Net NPA%

1 Year0.89%
3 Year1.63%
5 Year2.85%

 NIM

1 Year2.67%
3 Year2.64%
5 Year2.55%

CAR %

16.98

Cost of Liabilities %

4.7679046095506

PEG Ratio

NA

Advances Growth %

16.7778638724304

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 95.39 0.00
Jun 2024 95.39 0.00
Mar 2024 95.39 0.00
Dec 2023 95.39 0.00
Sep 2023 95.39 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • CASA stands at 37.453632551251% of total deposits.
  • Good Capital Adequacy Ratio of 16.98%.
  • The company has delivered good Profit growth of 114.727569720495% over the past 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.513804956996983%
  • CASA Growth of 0.666529642716895% YoY, which is very low.
  • Company has a low ROE of 6.78663597307792% over the last 3 years.
  • High Cost to income ratio of 59.7385086207883%.
  • Increase in Provision and contingencies of 39.833932402686% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Interest Earned 5218.82 5551.89 5859.7 6023.99 6078.36
Other Income 646.79 860.82 1124.91 835.43 993.07
Interest Expended 3302.27 3563.82 3672.34 3770.43 3778.02
Operating Expenses 1581.46 1729.75 2039.39 1767.76 1861.81
Total Provisions 342.09 342.25 467.37 458.76 492.84
Profit Before Tax 639.79 776.89 805.51 862.47 938.76
Tax 238.12 274.06 279.74 311.51 336.02
Net Profit 401.67 502.83 525.77 550.96 602.74
Net NPA % 1.11 0.98 0.89 0.78 0.73
Gross NPA % 4.14 3.85 3.46 3.32 3.18
Return on Assets % 0.54 0.67 0.69 0.7 0.75
NPM % 7.7 9.06 8.97 9.15 9.92

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 15134.33 14446.15 14981.34 17650.52 21854.34
Other Income 2871.21 3424.17 3100.81 2508.46 3265.53
Interest Expended 10042.06 8966.45 8508.39 10307.39 13753.56
Operating Expenses 3127.89 4754.81 4776.32 5510.92 6790.06
Total Provisions 8548.14 4224.55 3047.07 1435.56 2007.4
Profit Before Tax -3712.54 -75.49 1750.36 2905.11 2568.85
Taxes -1275.71 -242.52 820.6 1042.77 915.1
Net Profit -2436.83 167.03 929.76 1862.34 1653.74
Adjusted EPS (Rs.) -2.46 0.17 0.78 1.56 1.38

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 9918.34 9918.34 11955.96 11955.96 11955.96
Total Reserves 9291.28 10088.07 11637.54 13808.55 15400.83
Deposits 193203.44 205919.39 224072.9 249337.74 263129.77
Borrowings 15695.06 15382.63 13508.14 20501.08 25331.44
Other Liabilities 7800.02 9427.67 6609.48 5259.66 7873.45
Total Liabilities 235908.15 253336.11 267784.02 300862.99 323691.45
Assets
Balance with RBI 6776.73 9445.41 10287.55 10300.01 10197.17
Balance with Banks 11029.43 14154.83 15860.44 18428.09 18828.19
Investments 90998.81 93782.95 96873.8 95169.35 92904.4
Advances 101174.25 111354.54 122784.41 155870.18 182021.87
Net Block 2832.4 3151.2 3287.09 3444.5 3716.63
Other Assets 23088.55 21380.14 18642.9 17585.85 15958.36
Total Assets 235908.15 253336.11 267784.02 300862.99 323691.45
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 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 Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 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

Ratings & Research Reports

Company Presentations

Company News

UCO Bank submits analyst meet intimation 4 Nov, 5:11 PM UCO Bank posts 50% jump in net profit in Q2 21 Oct, 12:41 PM UCO Bank - Quaterly Results 19 Oct, 3:34 PM UCO Bank - Quaterly Results 19 Oct, 3:34 PM UCO Bank - Quaterly Results 19 Oct, 3:34 PM Uco Bank informs about board meeting 15 Oct, 5:01 PM Uco Bank informs about closure of trading window 26 Sep, 3:06 PM Uco Bank informs about transcript of post earnings conference call 26 Jul, 12:40 PM Uco Bank informs about outcome of analyst meet 24 Jul, 12:11 PM UCO Bank informs about presentation 22 Jul, 4:53 PM UCO Bank reports over 2-fold jump in Q1 net profit 22 Jul, 3:29 PM UCO Bank - Quaterly Results 22 Jul, 1:55 PM UCO Bank - Quaterly Results 22 Jul, 1:55 PM UCO Bank - Quaterly Results 22 Jul, 1:55 PM Uco Bank informs about interest rates updates 11 Jul, 4:22 PM Uco Bank informs about disclosure 4 Jul, 5:33 PM UCO Bank informs about outcome of meeting 7 Jun, 5:26 PM UCO Bank reports 10% fall in Q4 net profit 30 Apr, 2:52 PM UCO Bank - Quaterly Results 29 Apr, 7:31 PM UCO Bank - Quaterly Results 29 Apr, 7:31 PM UCO Bank informs about update on benchmark rates 10 Apr, 2:42 PM UCO Bank informs about confirmation certificate 6 Apr, 1:58 PM UCO Bank informs about compliances-certificate 6 Apr, 11:50 AM Uco Bank informs about issue of duplicate share certificate 15 Mar, 5:25 PM Uco Bank informs about appointment of secretarial auditor 15 Mar, 5:07 PM Uco Bank informs about details of loss of certificate 12 Mar, 5:05 PM UCO Bank informs about transcript of investors meet 2 Feb, 1:51 PM UCO Bank informs about statement of deviation or variation 25 Jan, 12:16 PM UCO Bank - Quaterly Results 24 Jan, 3:21 PM UCO Bank - Quaterly Results 24 Jan, 3:21 PM UCO Bank - Quaterly Results 24 Jan, 3:21 PM Uco Bank informs about press release 12 Jan, 5:09 PM UCO Bank informs about update on benchmark rates 11 Dec, 12:51 PM Uco Bank informs about loss of share certificate 6 Dec, 4:11 PM UCO Bank - Quaterly Results 3 Nov, 1:44 PM UCO Bank - Quaterly Results 3 Nov, 1:44 PM UCO Bank - Quaterly Results 3 Nov, 1:44 PM Uco Bank informs about loss of share certificate 31 Oct, 2:49 PM UCO Bank informs about analysts meet 31 Oct, 11:55 AM UCO Bank informs about compliances-certificate 7 Oct, 4:08 PM Uco Bank informs about earnings call transcript 2 Aug, 3:01 PM UCO Bank reports 81% rise in Q1 net profit 29 Jul, 2:40 PM UCO Bank - Quaterly Results 28 Jul, 3:42 PM UCO Bank - Quaterly Results 28 Jul, 3:42 PM UCO Bank - Quaterly Results 28 Jul, 3:42 PM UCO Bank informs about presentation 3 May, 11:13 AM UCO Bank reports 86% rise in Q4 net profit 2 May, 3:47 PM UCO Bank - Quaterly Results 2 May, 3:05 PM UCO Bank - Quaterly Results 2 May, 3:05 PM UCO Bank - Quaterly Results 2 May, 3:05 PM

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. UCO Bank stock price today is Rs 49.6.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. UCO Bank has earned Rs 21854.3358 Cr. revenue in the latest financial year. UCO Bank has posted decent revenue growth of 14.7963025048057 % in last 3 Years.

  • In terms of advances, UCO Bank reported 16.7778638724304 % YOY,  rise . If you see 3 years advance growth, it stands at 17.7981697474017 %.

  • Currently, UCO Bank has a CASA ratio of 37.453632551251 %. It’s overall cost of liability stands at 4.7679046095506 %. Also, the total deposits from these accounts stood at Rs 263129.7727 Cr.

  • UCO Bank has a average ROA track record. The ROA of UCO Bank is at 0.529575645969619 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA of UCO Bank stood at 3.46 % and 0.89 % 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 positive at 39.833932402686 % which means it has increased 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 surged and is currently at Rs 3265.5294 Cr.

  • UCO Bank has a Good Capital Adequacy Ratio of 16.98 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently UCO Bank is trading at a P/B of 2.3557 . The historical average PB was 1.1350564694182.

  • Share Price: - The current share price of UCO Bank is Rs 49.6. 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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