UCO Bank

₹43.3 -0.5 | 1.1%

WEBSITE BSE:532505 NSE : UCOBANK 26 Dec, 16:01

Market Cap ₹51781 Cr.

Stock P/E 31.3

P/B 2.1

Current Price ₹43.3

Book Value ₹ 21

Face Value 10

52W High ₹70.7

Dividend Yield 0.65%

52W Low ₹ 39.2

Edit Ratio

UCO Bank Research see more...

Overview Inc. Year: 1943Industry: Bank - Public

UCO Bank is an India- based commercial bank. The Bank's segments comprises Treasury Operations, Corporate Banking Operations, Retail Banking Operations and Other Banking Operations. The Bank gives personal banking, corporate banking, international banking and rural banking services. The Bank's personal banking includes deposits, loans/advances and debit card; company banking consists of loans/advances, deposits, cost-brought services, and micro and small companies (MSME); worldwide banking includes overseas foreign money loans and remittances, and rural banking includes agriculture credit, financial inclusion and MSME. The Bank's loan portfolio consists of education loan, gold loan, domestic loan, non-public mortgage and car loan. Its different offerings comprises government enterprise, guidelines and equated monthly installment (EMI) calculator.

UCO Bank Share Price

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Price: NSE50 DMA200 DMAVolume

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Peer Comparison

UCO Bank Quarterly Results

#(Fig in Cr.)	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020
Interest Earned	3480	3337	3782	3817	3805	3771	3742	3663	3615	3603
Other Income	269	248	367	630	729	743	769	774	713	866
Total Income	3749	3586	4149	4447	4534	4514	4511	4437	4327	4469
Interest Expense	2515	2511	2490	2482	2538	2534	2488	2396	2221	2195
Operating Expenditure	728	693	968	764	788	770	807	1064	1030	1174
Provisions and contingencies	1643	1400	2243	1803	2099	2171	1193	932	1301	1009
Operating Profit	-1136	-1018	-1552	-601	-892	-960	23	45	-225	91
Profit Before Tax	-1136	-1018	-1552	-601	-892	-960	23	45	-225	91
Provision for Tax	0	-19	0	0	0	0	7	24	-255	55
Profit After Tax	-1136	-999	-1552	-601	-892	-960	17	21	30	35
Adjustments	1136	0	0	0	0	0	0	0	0	0
Profit After Adjustments	0	-999	-1552	-601	-892	-960	17	21	30	35
Adjusted Earnings Per Share	-2.9	-2.5	-2.9	-0.8	-1.2	-1.1	0	0	0	0

UCO Bank Profit & Loss

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Interest Earned	18230	19359	18561	16326	14020	14331	15134	14446	14981	17651	21854	14623
Other Income	1321	2004	1596	2114	1121	1514	2871	3424	3101	2508	3266
Total Income	19550	21363	20157	18440	15141	15844	18006	17870	18082	20159	25120	17744
Interest Expense	12171	13797	13713	12509	10895	10019	10042	8966	8508	10307	13754	9300
Operating Expenditure	2439	2656	2841	3005	2911	3064	3128	4755	4776	5511	6790	4075
Provisions and contingencies	3216	3328	8063	5616	8225	9825	8548	4225	3047	1436	2007	4435
Operating Profit	1724	1582	-4460	-2690	-6891	-7065	-3713	-75	1750	2905	2569	-66
Profit Before Tax	1724	1582	-4460	-2690	-6891	-7065	-3713	-75	1750	2905	2569	-66
Provision for Tax	214	444	-1661	-840	-2454	-2744	-1276	-243	821	1043	915	-169
Profit After Tax	1511	1138	-2799	-1851	-4436	-4321	-2437	167	930	1862	1654	103
Adjustments	0	0	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	1511	1138	-2799	-1851	-4436	-4321	-2437	167	930	1862	1654	103
Adjusted Earnings Per Share	14.9	10.6	-26	-11.9	-19.2	-8	-2.5	0.2	0.8	1.6	1.4	0

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	24%	15%	9%	2%
Operating Profit CAGR	-12%	0%	0%	4%
PAT CAGR	-11%	115%	0%	1%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	10%	50%	21%	-6%
ROE Average	7%	7%	1%	-10%
ROCE Average	9%	8%	3%	-3%

UCO Bank Balance Sheet

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Shareholder's Funds	11226	12549	12522	12753	14957	17391	19210	22606	23593	25765	27357
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Deposits	199534	214337	207118	201285	181849	197907	193203	205919	224073	249338	263130
Borrowings	20718	10253	17240	9535	12449	8324	15695	15383	13508	20501	25331
Other Liabilities & Provisions	7647	8779	8002	7767	6800	6863	7800	9428	6609	5260	7873
Total Liabilities	239125	245917	244883	231340	216056	230484	235908	253336	267784	300863	323691
Cash and balance with RBI	8049	8268	7950	8790	8125	8823	6777	9445	10288	10300	10197
Bank Balance	6963	13901	10609	9310	6623	15609	11029	14155	15860	18428	18828
Investments	67452	64223	83974	74019	70962	82232	90999	93783	96874	95169	92904
Advances	149584	147351	125905	119724	107470	99314	101174	111355	122784	155870	182022
Fixed Assets	1018	1066	2878	2843	2867	2814	2832	3151	3287	3444	3717
Other Assets	6015	11060	13559	16647	20001	21684	23089	21380	18643	17586	15958
Total Assets	239125	245917	244883	231340	216056	230484	235908	253336	267784	300863	323691

UCO Bank Cash Flow

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Opening Cash & Cash Equivalents	12344	15012	22169	18559	18100	14748	24432	17806	23600	26148	28728
Cash Flow from Operating Activities	3574	7861	-2978	-3852	-9082	4190	-10658	2422	4399	2983	1002
Cash Flow from Investing Activities	-213	-160	-127	-125	-85	-14	-113	-155	-200	-267	-295
Cash Flow from Financing Activities	-771	-553	-579	3609	5754	5450	4283	3266	-1637	-336	-430
Net Cash Inflow / Outflow	2590	7148	-3685	-367	-3413	9626	-6489	5533	2562	2380	277
Closing Cash & Cash Equivalent	15012	22169	18559	18100	14748	24432	17806	23600	26148	28728	29025

UCO Bank Ratios

#	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Earnings Per Share (Rs)	14.89	10.58	-26.03	-11.87	-19.22	-7.97	-2.46	0.17	0.78	1.56	1.38
CEPS(Rs)	15.97	11.84	-24.76	-10.88	-18.56	-7.72	-2.32	0.3	0.92	1.74	1.62
DPS(Rs)	3	2	0	0	0	0	0	0	0	0	0.28
Book NAV/Share(Rs)	104.85	111	85.73	59.49	32.38	21.1	17	17.46	17.45	19.2	20.37
Yield on Advances	12.19	13.14	14.74	13.64	13.05	14.43	14.96	12.97	12.2	11.32	12.01
Yield on Investments	6.94	9.26	7.59	9.42	7.72	6.85	7.67	8.38	5.89	6.01	6.85
Cost of Liabilities	5.53	6.14	6.11	5.93	5.61	4.86	4.81	4.05	3.58	3.82	4.77
NIM (Net Interest Margin)	2.61	2.38	2.12	1.8	1.62	2.09	2.43	2.4	2.63	2.62	2.67
Interest Spread	6.66	7	8.63	7.7	7.44	9.57	10.15	8.92	8.62	7.5	7.24
ROA(%)	0.69	0.47	-1.14	-0.78	-1.98	-1.94	-1.04	0.07	0.36	0.66	0.53
ROE(%)	16.83	10.08	-26.46	-20.01	-52.97	-45.68	-17.22	0.98	4.87	8.5	6.99
ROCE(%)	10.26	9.55	-13.15	-7.5	-24.51	-24	-9.83	1.16	5.75	9.11	9.07
PER(x)	4.9	6.04	0	0	0	0	0	65.26	15.26	15.65	37.75
Price/Book(x)	0.7	0.58	0.45	0.6	0.67	0.89	0.53	0.63	0.68	1.27	2.56
Dividend Yield(%)	4.11	3.13	0	0	0	0	0	0	0	0	0.54
EV/Net Sales(x)	1.54	0.88	1.15	0.93	1.24	1.29	1.63	1.82	1.85	2.81	4.02
EV/Core EBITDA(x)	5.69	3.49	5.94	5.17	13.07	6.7	5.1	6.33	5.77	11.44	19.18
Interest Earned Growth(%)	8.82	6.19	-4.12	-12.04	-14.12	2.21	5.61	-4.55	3.7	17.82	23.82
Net Profit Growth	144.35	-24.68	-346.02	33.89	-139.72	2.6	43.61	106.85	456.63	100.3	-11.2
Advances Growth	16.6	-1.49	-14.55	-4.91	-10.24	-7.59	1.87	10.06	10.26	26.95	16.78
EPS Growth(%)	149.16	-28.94	-346.02	54.41	-61.99	58.55	69.16	106.85	361.82	100.3	-11.2
Loans/Deposits(x)	10.38	4.78	8.32	4.74	6.85	4.21	8.12	7.47	6.03	8.22	9.63
Cash/Deposits(x)	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.04	0.04
Current Ratio(x)	0.34	0.3	0.41	0.37	0.39	0.42	0.47	0.46	0.43	0.38	0.35
Quick Ratio(x)	10.38	4.78	8.32	4.74	6.85	4.21	8.12	7.47	6.03	8.22	9.63
CASA %	29.52	29.35	29.42	31.4	35.48	43.45	39.41	39.16	39.42	36.79	37.45

UCO Bank Shareholding Pattern

#	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Promoter	95.39	95.39	95.39	95.39	95.39	95.39	95.39	95.39	95.39	95.39
FII	0.01	0.03	0.06	0.16	0.05	0.1	0.01	0.03	0.03	0.02
DII	1.32	1.35	1.38	1.37	1.35	1.37	1.33	1.32	1.33	1.33
Public	3.28	3.23	3.17	3.08	3.21	3.14	3.28	3.25	3.25	3.26
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Promoter	1140.49	1140.49	1140.49	1140.49	1140.49	1140.49	1140.49	1140.49	1140.49	1140.49
FII	0.11	0.33	0.68	1.94	0.63	1.16	0.08	0.38	0.31	0.23
DII	15.82	16.1	16.5	16.4	16.13	16.44	15.86	15.81	15.87	15.86
Public	39.17	38.67	37.93	36.76	38.35	37.5	39.17	38.91	38.92	39.02
Others	0	0	0	0	0	0	0	0	0	0
Total	1195.6	1195.6	1195.6	1195.6	1195.6	1195.6	1195.6	1195.6	1195.6	1195.6

Pros

Cons

Company has a low return on equity of 7% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

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UCO Bank

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UCO Bank Research see more...

Overview Inc. Year: 1943Industry: Bank - Public

UCO Bank Share Price

Alert Data

Quarterly Price

Peer Comparison

UCO Bank Quarterly Results

UCO Bank Profit & Loss

Growth Rates

UCO Bank Balance Sheet

UCO Bank Cash Flow

UCO Bank Ratios

UCO Bank Shareholding Pattern

UCO Bank News

Top Unlisted Companies & InstaBuy Companies

Fincare Small Finance Bank

IPO

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