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Last Updated: April 2, 2026, 3:51 am
Author: Getaka|Social: XLinkedIn

UCO Bank: Intrinsic Value & Share Price Analysis

Fair Value

₹20.41Overvalued by 13.88%vs CMP ₹23.70

P/E (11.3) × ROE (8.4%) × BV (₹26.50) × DY (1.65%)

₹26.04Fairly Valued by 9.87%vs CMP ₹23.70
MoS: +9% (Thin)Confidence: 37/100 (Low)Models: 2 Under, 2 Fair, 3 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹24.8327%Fair (+4.8%)
Graham NumberEarnings₹35.2219%Under (+48.6%)
Earnings PowerEarnings₹12.8013%Over (-46%)
DCFCash Flow₹51.2813%Under (+116.4%)
Net Asset ValueAssets₹25.919%Fair (+9.3%)
EV/EBITDAEnterprise₹2.4811%Over (-89.5%)
Earnings YieldEarnings₹20.809%Over (-12.2%)
Consensus (7 models)₹26.04100%Fairly Valued
Key Drivers: Wide model spread (₹2–₹51) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 21.7%

*Investments are subject to market risks

Investment Snapshot

53
UCO Bank scores 53/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health57/100 · Moderate
ROCE 5.8% WeakROE 8.4% AverageD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money40/100 · Moderate
FII holding stable No changeDII holding down 0.94% MF sellingPromoter holding at 91.0% Stable
Earnings Quality50/100 · Moderate
Quarterly Momentum58/100 · Moderate
Profit (4Q): +13% YoY Positive
Industry Rank50/100 · Moderate
P/E 11.3 vs industry 8.7 In-lineROCE 5.8% vs industry 6.2% Average

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

UCO Bank Investor Signals

Computed from valuation, cash flow, balance sheet, ownership and quarterly trend data already available in this stock page.

Value Trap Score
30/100
Low
Derived from: Cheapness + weak quality + weak cash support
Current data: P/E 11.3 vs Ind 8.7 | ROCE 5.8% | ROE 8.4% | CFO/NP N/A
Balance Sheet Stress
0/100
Comfortable
Derived from: Leverage + debt servicing + liquidity + debt trend
Current data: D/E 0.00x | IntCov 0.0x | Current 0.00x | Borrow/Reserve 0.00x
Cash Flow Reliability
43/100
Mixed
Derived from: Cash backing of earnings + working capital pressure
Current data: CFO ₹0 Cr | NP ₹2,445 Cr | CFO/NP N/A
Ownership Accumulation
-25
Neutral
Derived from: FII + DII + promoter direction, adjusted by crowding
Current data: FII 0.00 pp | DII -0.10 pp | Prom 0.00 pp
Business Momentum
+23
Stable
Derived from: Latest quarter sales + profit + OPM change
Current data: Q Sales N/A | Q NP +19.4% | Q OPM N/A
Derived FieldValueHow it is derived
Valuation Gap %+9.9%((Fair Value - CMP) / CMP) × 100
Borrowings / Reserves0.00xLatest borrowings divided by latest reserves
CFO / Net ProfitN/ALatest operating cash flow divided by latest net profit
FII Change0.00 ppLatest FII% minus previous FII%
DII Change-0.10 ppLatest DII% minus previous DII%
Promoter Change0.00 ppLatest promoter% minus previous promoter%
Shareholder Count Change-373Latest shareholder count minus previous count
Quarterly Sales ChangeN/ALatest quarter sales vs previous quarter sales
Quarterly Profit Change+19.4%Latest quarter net profit vs previous quarter net profit
Quarterly OPM ChangeN/ALatest quarter OPM minus previous quarter OPM

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 3:51 am

Market Cap 29,694 Cr.
Current Price 23.7
Intrinsic Value₹26.04
High / Low 35.1/22.2
Stock P/E11.3
Book Value 26.5
Dividend Yield1.65 %
ROCE5.76 %
ROE8.38 %
Face Value 10.0
PEG Ratio0.52

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for UCO Bank

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
UCO Bank 29,694 Cr. 23.7 35.1/22.211.3 26.51.65 %5.76 %8.38 % 10.0
Central Bank of India 29,942 Cr. 33.1 41.2/31.36.20 43.61.81 %5.48 %11.4 % 10.0
Punjab & Sind Bank 15,632 Cr. 22.0 34.4/20.512.9 19.60.32 %5.98 %7.03 % 10.0
Bank of Maharashtra 49,903 Cr. 64.9 77.0/38.17.71 43.42.31 %5.72 %22.8 % 10.0
Indian Overseas Bank 62,411 Cr. 32.4 42.8/31.213.1 18.80.00 %5.95 %11.0 % 10.0
Industry Average144,637.54 Cr226.678.69183.822.11%6.22%14.34%7.46

All Competitor Stocks of UCO Bank

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue4,6274,9875,2245,2195,5525,8606,0246,0786,2206,7456,4366,5376,652
Interest 2,6753,0153,2153,3023,5643,6723,7703,7783,8424,0464,0334,0044,006
Expenses 1,7542,0252,2951,9242,0722,5072,2272,3552,5673,0552,4542,3922,360
Financing Profit198-53-286-7-84-31927-54-190-356-51141286
Financing Margin %4%-1%-5%-0%-2%-5%0%-1%-3%-5%-1%2%4%
Other Income 8239606336478611,1258359931,1861,392997884869
Depreciation 0000000000000
Profit before tax 1,0219073476407778068629399961,0369461,0251,155
Tax % 36%36%36%37%35%35%36%36%36%37%36%40%36%
Net Profit 653581223402503526551603639652607620740
EPS in Rs 0.550.490.190.340.420.440.460.500.530.520.480.490.59
Gross NPA %5.63%4.78%4.48%4.14%3.85%3.46%3.32%3.18%2.91%2.69%2.63%2.56%2.41%
Net NPA %1.66%1.29%1.18%1.11%0.98%0.89%0.78%0.73%0.63%0.50%0.45%0.43%0.36%

Last Updated: February 3, 2026, 6:46 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 26, 2026, 6:46 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue18,23019,35918,56116,32614,02014,33115,13414,44614,98117,65121,85425,06726,370
Interest 12,17113,79713,71312,50910,89510,01910,0428,9668,50810,30713,75415,43716,089
Expenses 5,5465,84910,7686,7898,52112,75311,5398,8457,6586,7298,5179,89210,261
Financing Profit513-286-5,920-2,972-5,396-8,441-6,446-3,365-1,185614-416-26220
Financing Margin %3%-1%-32%-18%-38%-59%-43%-23%-8%3%-2%-1%0%
Other Income 1,3212,0041,5962,1141,1211,5142,8713,4243,1012,5083,2664,4074,143
Depreciation 1101361371531521371371341652182813110
Profit before tax 1,7241,582-4,460-1,011-4,427-7,065-3,713-751,7502,9052,5693,8344,163
Tax % 12%28%-37%83%0%-39%-34%-321%47%36%36%36%
Net Profit 1,5111,138-2,799-1,851-4,436-4,321-2,4371679301,8621,6542,4452,619
EPS in Rs 14.8910.58-26.03-11.87-19.22-7.97-2.460.170.781.561.381.952.08
Dividend Payout % 20%19%0%0%0%0%0%0%0%0%20%20%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)-24.69%-345.96%33.87%-139.65%2.59%43.60%106.85%456.89%100.22%-11.17%47.82%
Change in YoY Net Profit Growth (%)0.00%-321.27%379.83%-173.52%142.25%41.01%63.25%350.03%-356.67%-111.39%58.99%

UCO Bank has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:3%
5 Years:11%
3 Years:19%
TTM:12%
Compounded Profit Growth
10 Years:8%
5 Years:25%
3 Years:38%
TTM:26%
Stock Price CAGR
10 Years:-4%
5 Years:16%
3 Years:33%
1 Year:-43%
Return on Equity
10 Years:-5%
5 Years:6%
3 Years:7%
Last Year:8%

Last Updated: September 5, 2025, 1:50 pm

Balance Sheet

Last Updated: December 10, 2025, 3:35 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 1,0151,0761,0761,5602,3085,4239,9189,91811,95611,95611,95612,54012,540
Reserves 10,21211,47311,44611,19412,64911,9689,29112,68811,63813,80915,40118,46519,925
Deposits201,154215,957207,118201,285181,849197,907193,203205,919224,073249,338263,130293,542305,697
Borrowing19,0988,63317,2409,53512,4498,32415,69515,38313,50820,50125,33128,68721,474
Other Liabilities 7,6478,7798,0027,7676,8006,8637,8009,4286,6095,2607,8739,2479,840
Total Liabilities 239,125245,917244,883231,340216,056230,484235,908253,336267,784300,863323,691362,481369,475
Fixed Assets 1,0181,0662,8782,8432,8672,8142,8323,1513,2873,4443,7173,7913,927
CWIP 43486688867486565610
Investments 67,45264,22383,97474,01970,96282,23290,99993,78396,87495,16992,90494,27297,765
Other Assets 170,611180,580158,024154,471142,219145,430142,069156,335167,575202,184227,006264,357267,784
Total Assets 239,125245,917244,883231,340216,056230,484235,908253,336267,784300,863323,691362,481369,475

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + 3,5747,861-2,978-3,852-9,0824,190-10,6582,4224,3992,9831,0021,913
Cash from Investing Activity + -135-151-52-217-2444-250106-214-67-275-680
Cash from Financing Activity + -771-553-5793,6095,7545,4504,2833,266-1,637-336-4305,870
Net Cash Flow 2,6687,157-3,610-459-3,3529,684-6,6265,7942,5482,5802977,102
Free Cash Flow 3,3427,688-3,122-3,991-9,1874,139-10,7822,2584,1892,7017031,576
CFO/OP 28%58%-38%-40%-165%266%-296%43%60%27%8%13%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-196.00-210.00-197.00-195.00-173.00-185.00-182.00-197.00-217.00-243.00-255.00-284.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % 16%10%-22%-15%-32%-27%-13%0%4%8%6%8%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 95.39%95.39%95.39%95.39%95.39%95.39%95.39%95.39%90.95%90.95%90.95%90.95%
FIIs 0.16%0.05%0.09%0.01%0.03%0.03%0.02%0.02%0.44%0.13%0.13%0.13%
DIIs 1.37%1.35%1.36%1.32%1.32%1.32%1.32%1.33%5.36%4.74%4.52%4.42%
Government 0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.01%
Public 3.08%3.20%3.14%3.27%3.26%3.26%3.25%3.25%3.26%4.17%4.38%4.49%
No. of Shareholders 5,36,9425,37,6865,83,2426,10,1667,39,0977,78,0497,73,4667,91,2717,99,0148,43,9928,50,1028,49,729

Shareholding Pattern Chart

No. of Shareholders

UCO Bank: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Zerodha ELSS Tax Saver Nifty LargeMidcap 250 Index Fund 37,435 0.04 0.11N/AN/AN/A

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
Face Value10.0010.0010.0010.0010.00
Basic EPS (Rs.) 2.061.401.530.770.15
Diluted EPS (Rs.) 2.061.401.530.770.15
Cash EPS (Rs.) 2.201.621.740.910.30
Book Value[Excl.RevalReserv]/Share (Rs.) 22.2020.2519.0717.3417.37
Book Value[Incl.RevalReserv]/Share (Rs.) 24.6322.7621.4119.6320.08
Operating Revenue / Share (Rs.)19.9918.2814.7612.5314.57
Net Profit / Share (Rs.) 1.951.381.560.770.16
Net Profit After MI / Share (Rs.)1.971.401.530.740.14
Net Profit Margin (%) 9.757.5610.556.201.15
Net Profit After MI And SOA Nargin (%)9.847.6410.345.971.00
Operating Profit Margin (%)17.4114.5418.909.711.87
Return On Assets (%) 0.680.510.600.330.05
Return On Equity / Networth (%)8.866.908.004.310.84
Net Interest Margin (X)2.652.502.442.412.16
Cost To Income (%)56.9859.7355.9349.8853.40
Interest Income / Total Assets (%)6.916.755.865.595.70
Non-Interest Income / Total Assets (%)1.211.000.831.151.35
Operating Profit / Total Assets (%)-0.54-0.49-0.21-0.81-1.28
Operating Expenses / Total Assets (%)2.202.091.831.781.87
Interest Expenses / Total Assets (%)4.264.253.423.173.54
Enterprise Value (Rs.Cr.)356687.13340698.06288687.43241485.22222756.87
EV Per Net Sales (X)14.2315.5916.3616.1215.42
Price To Book Value (X)1.612.581.280.680.63
Price To Sales (X)1.792.861.650.940.75
Retention Ratios (%) 80.1879.97100.00100.00100.00
Earnings Yield (X)0.050.020.060.060.01

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

UCO Bank is a Public Limited Listed company incorporated on 06/01/1943 and registered in the State of West Bengal, India. Company presently involved in the business activities of Banking Business.
INDUSTRYADDRESSCONTACT
Finance - Banks - Public Sector10, BTM Sarani, Kolkata West Bengal 700001Contact not found
Management
NamePosition Held
Mr. Aravamudan Krishna KumarNon Executive Chairman
Mr. Ashwani KumarManaging Director & CEO
Mr. Rajendra Kumar SabooExecutive Director
Mr. Vijaykumar Nivrutti KambleExecutive Director
Mr. Anjan TalukdarPart Time Non Official Director
Mr. Subhash Shankar MailkPart Time Non Official Director
Mr. Ravi Kumar AgrawalPart Time Non Official Director
Mrs. Rachna KhareShareholder Director
Mr. Sudhir ShyamGovernment Nominee Director
Dr. Sarada Prasan MohantyNominee Director

FAQ

What is the intrinsic value of UCO Bank and is it undervalued?

As of 05 April 2026, UCO Bank's intrinsic value is ₹26.04, which is 9.87% higher than the current market price of ₹23.70, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (8.38 %), book value (₹26.5), dividend yield (1.65 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of UCO Bank?

UCO Bank is trading at ₹23.70 as of 05 April 2026, with a FY2026-2027 high of ₹35.1 and low of ₹22.2. The stock is currently near its 52-week low. Market cap stands at ₹29,694 Cr..

How does UCO Bank's P/E ratio compare to its industry?

UCO Bank has a P/E ratio of 11.3, which is above the industry average of 8.69. The premium over industry average may reflect growth expectations or speculative interest.

Is UCO Bank financially healthy?

Key indicators for UCO Bank: ROCE of 5.76 % is on the lower side compared to the industry average of 6.22%. Dividend yield is 1.65 %.

Is UCO Bank profitable and how is the profit trend?

UCO Bank reported a net profit of ₹2,445 Cr in Mar 2025 on revenue of ₹25,067 Cr. Compared to ₹930 Cr in Mar 2022, the net profit shows an improving trend.

Does UCO Bank pay dividends?

UCO Bank has a dividend yield of 1.65 % at the current price of ₹23.70. The company pays dividends, though the yield is modest.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in UCO Bank. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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