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UCO Bank

UCOBANK
Mid Cap
(%) 1D
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1D1W1M3M6M1YMAX

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UCO Bank Share price and Fundamental Analysis

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UCO Bank is a commercial bank and a Government of India Undertaking. The Bank offers a host of value added banking solutions to their customers, which includes international banking services, services for NRIs, loan schemes, deposit schemes and value added e-banking solutions. They also possess a host of branches authorized for direct tax collection in India. The Bank has 34 regional offices and 230 branches as on 31st March, 2023 spread all over India.
Company Incorporation1943
ChairmanNA
Head QuartersKolkata
Previous NameNA

Key Metrics

Market Cap (Cr)
38,095
PE Ratio
15.42
Industry P/E
14.81
PEG Ratio
0.38
ROE
7.92%
ROCE
1.41%
ROA
0.76%
Total Debt (Cr)
Debt to Equity
Dividend Yield
1.28%
EPS
1.97
Book Value & P/B
22.34 x 1.36
Face Value
10
Outstanding Shares(Cr)
1,253.96
Current Ratio
EV to Sales
12.93

Included In

+More

Stock Returns

1 Week-3.87%
1 Month+5.65%
6 Months-31.73%
1 Year-42.76%
3 Years+162.42%
5 Years+159.06%

CAGR

1 Year CAGR

Revenue Growth

+23.82%

Net Profit Growth

-8.47%

Financing Profit Growth

-167.69%

Dividend Growth

N/A

Stock Returns CAGR

-42.76%
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Corporate Action

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Financials

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Mar 25

Promoters : 90.95%

FIIs : 0.44%

DIIs : 5.36%

Public : 3.25%

Promoter
FII/FPI
DII
Public
Promoter Pledge stands at 0.0% of holding in March 2025 Qtr
FII Shareholding Increased by 0.42% to 0.44% in March 2025 Qtr
DII Shareholding Increased by 4.03% to 5.36% in March 2025 Qtr
Promoter Shareholding Decreased by 4.44% to 90.95% in March 2025 Qtr

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Key Ratios

Profitability
Valuation
Liquidity

ROE

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ROCE

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ROA

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Dividend History

UCO Bank Competitors

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UCO Bank Management and History

Company Management

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Company History

UCO Bank is a commercial bank and a Government of India Undertaking. The Bank offers a host of value added banking solutions to their customers, which includes international banking services, services for NRIs, loan schemes, deposit schemes and value added e-banking solutions. They also possess a host of branches authorized for direct tax collection in India. The Bank has 34 regional offices and 230 branches as on 31st March, 2023 spread all over India.

UCO bank head office is located in Kolkata. The Bank has 34 Regional Offices spread all over India. The bank has international presence with four overseas branches in two important financial centers in Singapore and Hong Kong and representative offices at Kuala Lumpur, Malaysia and Guangzhou in China. The bank also has a NRI corner to offer specialized services to its international customers.

UCO Bank was incorporated in the year 1943 as The United Commercial Bank Limited. In July 1969, the Bank was nationalized and 100 per cent ownership was taken over by the Government of India. Thereafter the Bank expanded rapidly. In December 30, 1985 the name of the Bank was changed to UCO Bank. During the year 2001-02, the Bank opened 1 new branch in Pune, and 5 new extension counters.

During the year 2004-05, the Bank opened 4 new branches and upgraded 7 extension counters into full fledged branches. They also opened 6 new extension counters. During the year, one branch was merged and one extension counter was closed. The company also introduced Gold Card Scheme for exporters to facilitate easy availability of export credit at remuneration terms.

During the year 2005-06, the Bank opened 9 new branches and upgraded 8 extension counters into full fledged branches. They opened 2 new extension counters and closed 5 extension counters. The Bank also opened one representative office in Kuala Lumpur in Malaysia. During the year, in terms of the Government directive the Bank had effected merger of three Regional Rural Banks in Bihar on September 9, 2005, two Regional Rural Banks in Orissa on January 2, 2006 and two Regional Rural Banks in Rajasthan on January 27, 2006.

During the year 2006-07, the Bank opened 57 new branches, upgraded 53 extension counters into full fledged branches and merged the 15 extension counters with the base branches. They also started 4 flagship corporate branches and 9 mid corporate branches. In February 26, 2007, three Regional Rural Banks in the state of West Bengal were amalgamated and form a single entity named as Paschim Banga Gramin Bank.

During the year 2007-08, the Bank opened 95 branches in which 66 branches were opened on January 6, 2008 to commemorate the 65th Foundation Day of the Bank. The Bank opened 40 new branches, 12 mid corporate branches, upgraded 55 extension counters into full fledged branches and merged the 13 extension counters with the base branches.

During the year, the company converted two of their existing branches at Kolkata and New Delhi exclusively for catering to needs of senior citizens and named these branches as 'Senior Citizen branches'. In April 4, 2007, the Bank opened one representative office at Guangzhou in China.

As at March 31, 2008 the Bank has 1957 branches, two representative offices, 21 mid corporate branches and 19 extension counters.

With the opening of 100 new branches and upgradation of 8 Extension Counters to full-fledged Branches and no closure of branches, the total number of domestic branches as at the end of 31st March, 2009 stood at 2065. Taking these four overseas branches, the global network of branches of the Bank as at the end of 31st March, 2009 stood at 2069. With upgradation of 8 extension counters into full-fledged branches, the total number of Extension Counters as at the end of 31st March, 2009 stood at 11.

As of 31st March, 2011, total number of domestic branches stood at 2202. With four overseas branches, two each in Singapore and Hong Kong, the global network of the Bank stood at 2206. The Bank added a network of 130 thereby reaching a total of 608 as of 31st March, 2011.

As of March, 2012, Bank had 8 Circle Offices, 36 Zones and 2394 branches, which include 4 overseas branches, 2 each in Singapore and Hong Kong. The Bank had 3 extension counters as of March, 2012. It closed two Representative Offices, at Malaysia and China, during the year 2011-12. It strengthened pan-India network by opening 188 branches during the year 2011-12. The Bank had added one more zone, namely Pune zone, in the year 2011-12 which takes the total number of Zones of the Bank from 35 in March, 2011 to 36 in March,, 2012. Apart from this, another major development during the year 2011- 12 was the transfer of eight branches in Goa, from Bangalore Zone to Mumbai Zone. Five new Asset Management Branches were opened, at Bhubaneswar, Bhopal, Chandigarh, Lucknow and Patna, during the year 2011-12. It opened 256 ATMs during the year 2011-12, thereby reaching a total of 864 as of 31st March, 2012.

As of March, 2013, Bank had 10 Circle Offices,, 41 Zones and 2614 branches which include 4 overseas branches, 2 each in Singapore and Hong Kong. The Bank has 3 Extension Counters as of March, 2013. It strengthened its PAN-India network by opening 220 branches during the year 2012-13. It opened 497 ATM network during the year 2012-13.

As of 31 March, 2014, Bank has 10 Circle Offices, 45 Zones and 2894 branches, including 4 overseas branches (2 each in Singapore and HongKong), and 2 Extension Counters. It opened a network of 280 branches during the year 2014-15. It had 2085 ATMs during the year.

As of 31 March, 2015, Bank has 10 Circle Offices, 48 Zones and 3020 branches, including 4 overseas branches (2 each in Singapore and HongKong), and 2 Extension Counters. It opened a network of 126 branches during the year 2014-15. It had 2096 ATMs during the year.

As of 31 March, 2016, Bank has 8 Circle Offices, 42 Zones and 3100 domestic branches and 4 overseas branches (2 each in Singapore and HongKong), and 2 Extension Counters. It opened a network of 57 branches during the year 2015-16. It had 2564 ATMs during the year.

As of 31 March, 2023, Bank has 43 Zones and 3205 domestic branches and 2 overseas branches (1 each in Singapore and HongKong). . In FY2022-23, Bank opened new 131 branches.

UCO Bank Share Price

UCO Bank share price reflects investor sentiment toward the company and is impacted by various factors such as financial performance, market trends, and economic conditions. Share price is an indicator which shows the current value of the company's shares at which buyers or sellers can transact.

UCO Bank Market Cap

Market capitalization of UCO Bank indicates the total value of its outstanding shares. Marketcap is calculated by multiplying share price and outstanding shares of the company. It is a helpful metric for assessing the company's size and market Valuation. It also helps investors understand how UCO Bank is valued compared to its competitors.

UCO Bank PE Ratio

UCO Bank PE ratio helps investors understand what is the market value of each stock compared to UCO Bank's earnings. A PE ratio higher than the average industry PE could indicate an overvaluation of the stock, whereas a lower PE compared to the average industry PE could indicate an undervaluation.

UCO Bank PEG Ratio

The PEG ratio of UCO Bank evaluates its PE ratio in relation to its growth rate. A PEG ratio of 1 indicates a fair value, a PEG ratio of less than 1 indicates undervaluation, and a PEG ratio of more than 1 indicates overvaluation.

UCO Bank ROE (Return on Equity)

Return on Equity (ROE) measures how effectively UCO Bank generates profit from shareholders' equity. A higher ROE of more than 20% indicates better financial performance in terms of profitability.

UCO Bank ROCE (Return on Capital Employed)

Return on Capital Employed (ROCE) evaluates the profitability of UCO Bank in relation to its capital employed. In simple terms, ROCE provides insight to investors as to how well the company is utilizing the capital deployed. A high ROCE of more than 20% shows that the business is making profitable use of its capital.

UCO Bank Total Debt

Total debt of UCO Bank shows how much the company owes to either banks or individual creditors. In simple terms, this is the amount the company has to repay. Total debt can be a very useful metric to show the financial health of the company. Total debt more than equity is considered to be a bad sign.

UCO Bank Debt to Equity Ratio

The Debt-to-Equity (DE) ratio of UCO Bank compares its total debt to shareholders' equity. A higher Debt to Equity ratio could indicate higher financial risk, while a lower ratio suggests that the company is managing its debt efficiently.

UCO Bank CAGR (Compound Annual Growth Rate)

CAGR shows the consistent growth rate of UCO Bank over a specific period, whether it is over a month, a year, or 10 years. It is a key metric to evaluate the company’s long-term growth potential. Main metrics for which CAGR is calculated are net sales, net profit, operating profit, and stock returns.

UCO Bank Technical Analysis

Technical analysis of UCO Bank helps investors get an insight into when they can enter or exit the stock. Key components of UCO Bank Technical Analysis include:

Support Levels (S1, S2, S3)

There are usually multiple support levels, but the main support levels for a stock are S1, S2, S3. Support levels indicate price points where stock might get support from buyers, helping the stock stop falling and rise.

Resistance Levels (R1, R2, R3)

There are usually multiple resistance levels, but the main resistance levels for a stock are R1, R2, R3. Resistance levels represent price points where UCO Bank shares often struggle to rise above due to selling pressure.

UCO Bank Dividends

Dividends refer to the portion of the company’s profits distributed to its shareholders. Dividends are typically paid out in cash and reflect UCO Bank’s financial health and profitability.

UCO Bank Bonus Shares

Bonus shares are usually given by companies to make the stock more affordable, increase liquidity, boost investor confidence, and more.

UCO Bank Stock Split

Stock split increases the number of its outstanding shares by dividing each existing share into multiple shares. When the company offers a stock split, the face value of the stock reduces in the same proportion as the split ratio.

UCO Bank Financials

The financials of UCO Bank provide a complete view to investors about its net sales, net profit, operating profits, expenses, and overall financial health. Investors can analyze financial data to assess the company’s stability and also understand how the company has been growing financially.

UCO Bank Profit and Loss Statements

The profit and loss statement of UCO Bank highlights its net sales, net profit, total expenditure, and operating profits in the current financial year. This Profit and Loss statement is crucial for evaluating the profitability and financial stability of UCO Bank.

UCO Bank Balance Sheet

The balance sheet presents a snapshot of UCO Bank’s assets, liabilities, and equity of shareholders, providing insights into the financials of the company.

UCO Bank Cashflow Statements

Cashflow statements track the company's cash inflows and outflows over a period. It is an essential tool for understanding how well the company manages its liquidity and finances.

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