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Banking And Finance | Small Cap
Health Score : 3.69UCO Bank shows a mixed financial performance. While it demonstrates strong growth in earnings per share and assets, its profitability and revenue growth are weak. The bank's efficiency metrics present a contrasting picture, with some ratios indicating good asset utilization, while others suggest underperformance. Solvency is a concern due to high debt levels. Its coverage ratios are also low, indicating potential difficulties in meeting interest obligations. Overall, UCO Bank exhibits potential in growth areas but needs to address its profitability, solvency, and efficiency to achieve a more stable and robust financial position. The bank's future outlook depends on its ability to leverage asset growth into improved profitability and manage its debt effectively.
Health Score : 3.69UCO Bank shows a mixed financial performance. While it demonstrates strong growth in earnings per share and assets, its profitability and revenue growth are weak. The bank's efficiency metrics present a contrasting picture, with some ratios indicating good asset utilization, while others suggest underperformance. Solvency is a concern due to high debt levels. Its coverage ratios are also low, indicating potential difficulties in meeting interest obligations. Overall, UCO Bank exhibits potential in growth areas but needs to address its profitability, solvency, and efficiency to achieve a more stable and robust financial position. The bank's future outlook depends on its ability to leverage asset growth into improved profitability and manage its debt effectively.
Overall Valuation Score
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Last Traded Time
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Price Movement Indicator
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P/E RATIO (TTM)
11.84
Industry Median
11.99
Small Cap Median
9.60
P/E RATIO
13.28
P/B RATIO
1.06
Industry Median
1.21
Small Cap Median
1.06
P/S RATIO
1.29
Industry Median
1.65
Small Cap Median
1.29
Others
PEG RATIO
0.00
EV/EBITDA RATIO
2.61
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹26.17 as on Aug 12, 2026.
Growth Score : 4.80The growth ratios indicate strong performance, particularly in Earnings Per Share (EPS) and Asset Growth. However, the Revenue and Operating Profit Growth are low, suggesting areas for improvement. While the bank is expanding its asset base and increasing earnings per share, it needs to focus on improving its top-line revenue growth to achieve sustainable long-term success. The bank's ability to balance growth with profitability will be critical for its future prospects.
Revenue Growth RatePoorOperating Profit Growth RatePoorEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RatePoor| Growth Ratios | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 3.7 | 17.82 | 23.81 | 14.7 | |
| Operating Profit Growth Rate | -64.78 | -151.81 | -167.75 | -37.02 | |
| Earnings Per Share (EPS) Growth | 294.74 | 104 | -8.5 | 40.71 | |
| Asset Growth Rate | 5.69 | 12.35 | 7.6 | 12 | |
| Net Income Growth Rate | 376.06 | 104.02 | -8.43 | 47.61 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | City Union Bank Ltd | 7.26 | 12.09 | Neutral | N/A | 13.39 | 1326.00 |
| 2 | Bank of Maharashtra | 7.02 | 8.98 | Neutral | N/A | 9.13 | 7017.00 |
| 3 | Karur Vysya Bank Ltd | 6.52 | 13.05 | Neutral | N/A | 25.97 | 2510.00 |
| 4 | Bandhan Bank Ltd | 5.80 | 23.16 | Undervalued | N/A | 7.59 | 1224.00 |
| 5 | Punjab & Sind Bank | 4.53 | 12.76 | Neutral | N/A | 1.86 | 1322.00 |
| 6 | RBL Bank Ltd | 4.03 | 27.41 | Overvalued | N/A | 5.31 | 879.00 |
| 7 | Central Bank of India | 3.99 | 6.26 | Neutral | N/A | 4.83 | 4531.00 |
| 8 | UCO Bank | 3.69 | 13.28 | Neutral | N/A | 2.21 | 2468.00 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bearish
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Strong Bearish
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bearish
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Concall Report⬤2nd May 26
Q4 FY26 Earnings Conference Call
UNDEFINED SENTIMENT
Quarterly Report⬤25th Apr 26
Audited Financial Results for Q4 and Year Ended March 31, 2026
UNDEFINED SENTIMENT
UCO Bank is a prominent Indian public sector bank offering a comprehensive suite of banking and financial services. It caters to diverse customer segments including individuals, businesses, and large corporates through its retail, corporate, treasury, and international banking operations. Established in 1943 and nationalized in 1969, it holds a significant market presence across India.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. UCO Bank's P/E ratio (TTM) is 11.84, compared to the industry median of 11.99 and large cap median of 9.60.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. UCO Bank's P/B ratio is 1.06, compared to the industry median of 1.21 and large cap median of 1.06.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. UCO Bank's P/S ratio is 1.29, compared to the industry median of 1.65 and large cap median of 1.29.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. UCO Bank's PEG ratio is N/A.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. UCO Bank's EV/EBITDA ratio is 2.61.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. UCO Bank's ROE is 7.99%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. UCO Bank's ROA is -0.07%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. UCO Bank's ROCE is 62.40%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. UCO Bank's operating margin is -1.05%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. UCO Bank's net margin is 9.85%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. UCO Bank's current ratio is 28.59.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. UCO Bank's debt-to-equity ratio is 9.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. UCO Bank's interest coverage ratio is 1.25.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. UCO Bank's DPS is ₹0.39.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. UCO Bank's EPS is 40.71.
(Source line: "Ratios as of 12 Aug 2026, based on last traded price of ₹26.17. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
UCO Bank was founded in 1943 as United Commercial Bank Limited by Ghanshyam Das Birla. The bank was nationalized by the Government of India in 1969, along with 13 other major commercial banks. Over the decades, UCO Bank has expanded its network and services across India and internationally, playing a significant role in India's financial landscape, particularly in supporting priority sector lending and rural development as a public sector institution.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Corporate/Wholesale Banking | Approx. 48% (FY23) | N/A (Not a standard metric for banks) |
| Retail Banking | Approx. 33% (FY23) | N/A (Not a standard metric for banks) |
| Treasury Operations | Approx. 14% (FY23) | N/A (Not a standard metric for banks) |
| Other Banking Operations | Approx. 5% (FY23) | N/A (Not a standard metric for banks) |
Shri Ashwani Kumar (MD & CEO): Appointed as MD & CEO in June 2023, he brings over two decades of extensive experience in the banking sector, having held leadership roles in various public sector banks across India.
No major subsidiaries reported.
No major recent corporate actions on record.
References
The UCO Bank share price today is ₹26.17 on NSE (UCOBANK), as of 13 Aug 2026.
As of 12 Aug 2026, UCO Bank share price is ₹26.17, with previous close ₹N/A. Today's range is ₹N/A to ₹N/A. The 52-week range is ₹N/A to ₹N/A.
As of today, UCO Bank's market cap is ₹32,222.6 crore (Large Cap).
UCO Bank's current P/E ratio is 11.84, compared to the BANKING AND FINANCE sector average of 20.
UCO Bank's current P/B ratio is 1.06.
UCO Bank's current dividend yield is 1.49%. Last dividend of ₹0.28 per share was declared on 10-May-2024.
UCO Bank's EPS (TTM) is ₹40.71.
UCO Bank is a prominent Indian public sector bank offering a comprehensive suite of banking and financial services. It caters to diverse customer segments including individuals, businesses, and large corporates through its retail, corporate, treasury, and international banking operations. Established in 1943 and nationalized in 1969, it holds a significant market presence across India.
UCO Bank is promoted by Government of India, holding 90.95% as of 12 Aug 2026.
UCO Bank is listed on NSE (UCOBANK) and BSE (532505). Its next quarterly results are expected on July/August 2024 (for Q1 FY25).