1. India Stocks

  2. •

    Finance

  3. •

    Regional banks
UCO Bank

UCO Bank

21.63
INR
-0.92
(-4.08%)
2.24EPS
12.05P/E
338.44BMarket Cap
UCO Bank
NSE:UCOBANK
(National Stock Exchange of India)

Recent

price

21.63

P/E

ratio

12.05

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
INR
83.13
73.67
83.05
90.72
73.72
60.82
44.05
24.14
14.03
10.13
9
8.23
8.24
9.04
9.54
9.83
10.2
Revenue per Share
14.29
15.02
8.79
16.69
11.2
-26.03
-13.29
-25.23
-11.16
-3.1
0.15
0.8
1.53
1.4
2.04
2.21
2.24
Basic EPS, GAAP
140.3
-49.5
-32.88
42.95
75.67
-29.07
-28.68
-52.26
10.63
-13.73
2.28
3.59
2.25
0.54
1.29
-8.91
- -
Free Cash Flow per Basic Share
2.7
5.4
5.93
6.62
2.9
2.4
- -
- -
- -
- -
- -
- -
- -
- -
0.28
0.39
- -
Dividend per Share
89.18
102.16
104.43
110.64
116.67
116.42
81.77
64.8
32.07
19.37
22.7
19.63
21.41
22.76
24.73
26.52
27.14
Book Value per Share
89.18
102.16
104.43
110.64
116.67
116.42
81.77
64.8
32.07
19.37
22.7
19.63
21.41
22.76
24.73
26.52
27.14
Tangible Book Value per Share
551
628
670
777
1,016
1,076
1,392
1,759
3,870
7,865
9,918
11,638
11,956
11,956
11,964
12,540
12,580
Basic Weighted Avg Shares
45,794
46,244
55,684
70,489
74,866
65,415
61,330
42,454
54,300
79,709
89,248
95,732
98,514
108,078
114,120
123,289
128,305
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
806
781
871
1,096
1,355
1,366
1,531
1,518
1,369
1,373
1,344
1,650
2,175
2,809
3,113
3,723
- -
Depreciation Expense
7,873
9,427
5,896
12,970
11,378
-27,993
-18,507
-44,364
-43,211
-24,368
1,457
9,298
18,263
16,715
24,450
27,679
28,167
Net Income, GAAP
0.82
- -
4.62
14.14
28.07
- -
- -
- -
- -
- -
- -
88.26
35.89
35.62
36.22
36.71
53.07
Effective Tax Rate (%)
17.19
20.39
10.59
18.4
15.2
-42.79
-30.18
-104.5
-79.58
-30.57
1.63
9.71
18.54
15.47
21.42
22.45
21.95
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
54,748
61,864
64,424
116,462
87,135
80,614
90,850
80,063
73,839
78,461
153,826
135,081
205,011
211,794
236,875
183,098
248,677
LT Debt
74,192
86,134
96,824
112,263
125,490
125,220
127,535
149,572
173,911
192,096
225,165
234,687
256,037
272,138
310,049
332,492
340,285
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
6.46
- -
3.81
6.65
5.16
- -
- -
- -
- -
- -
- -
2.48
4.4
3.54
4.74
5.21
4.8
Return on Capital (%)
14.57
15.22
8.05
13.59
9.57
-22.33
-14.64
-32.02
-26.72
-13.32
0.7
4.04
7.44
6.33
8.4
8.62
8.54
Return on Common Equity (%)

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
12,540
12,540
12,540
Market Capitalization
369,290
281,513
338,443

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
254,427
250,688
218,040
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.39%
8.16%
7.24%
Free Cash Flow
-118.42%
-142.77%
-825.35%
Net Income, GAAP
63.93%
137.13%
13.21%
Sales/Revenue/Turnover
8.32%
6.7%
8.03%
Total Cash Common Dividend
- -
- -
46.08%

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
30,890
32,934
35,636
40,907
114,120
2026
34,004
30,506
31,896
31,138
123,289
2027
34,766
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
0.46
0.5
0.53
0.54
2.04
2026
0.48
0.49
0.59
0.64
2.21
2027
0.52
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
0.28
2026
- -
- -
- -
- -
0.39
2027
- -
- -
- -
- -
- -
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Business
UCO Bank (UCOBANK.NS) operates as a public sector commercial bank in India, offering a comprehensive range of retail, corporate, and treasury banking products and services; these include savings and current deposit accounts such as UCO Basic and UCO Care Current Account; fixed and recurring deposits with tenures from seven days to ten years; home loans, personal loans, education loans up to Rs 20 lakh for studies abroad, and loans against property; credit cards, debit cards, and RuPay prepaid cards; digital banking platforms including internet banking and mobile apps; SME and agricultural financing through dedicated hubs; corporate lending in sectors like renewable energy, cement, iron and steel, data centres, smart metering, and electric vehicles; insurance solutions via partnerships; and treasury operations through integrated branches. The bank maintains a domestic network of over 3,300 branches and 2,600 ATMs across all Indian regions, supplemented by specialized units such as 43 retail loan hubs, 43 SME and agriculture loan hubs, 25 MCU branches, and 70 currency chests; internationally, it operates branches in Singapore and Hong Kong, with approval secured for a new branch in GIFT City to support cross-border activities. Founded in 1943 as United Commercial Bank by G.D. Birla and headquartered in Kolkata, West Bengal, the bank was nationalized in 1969 and renamed UCO Bank in 1985; it serves individual retail customers, SMEs, mid-corporates, exporters, NRIs, and large corporates in trading, manufacturing, power, telecommunications, and construction sectors. In recent developments, UCO Bank plans to open 150 new branches in 2025-26, focusing on central, western, and southern India to expand its footprint; it launched a CMS platform, Eterna metal cards, and premium savings products for affluent clients, alongside scaling wealth management through mutual fund and stockbroking tie-ups and deploying trained wealth executives; the bank received RBI approval for Rs 2,500 crore fundraising in FY26, eyes M&A financing opportunities leveraging its overseas presence under new guidelines, and began provisioning ahead of expected credit loss norms with a Rs 1,000 crore buffer.