UCO Bank Stock Price Today (NSE: UCOBANK)
Fundamental Score
UCO Bank Share Price — Live NSE/BSE Price, Fundamentals & Analysis
UCO Bank share price today is ₹22.45, down 4.10% on NSE/BSE as of 30 March 2026. UCO Bank (UCOBANK) is a Large-cap company in the Public Sector Bank sector with a market capitalisation of ₹38.61K (Cr). The 52-week high for UCOBANK share price is ₹35.08 and the 52-week low is ₹23.25. At a P/E ratio of 15.33x, UCOBANK is currently trading above its industry average P/E of 8.20x. The company has a Return on Equity (ROE) of 8.38% and a debt-to-equity ratio of 10.08.
UCO Bank Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
UCO Bank Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
UCO Bank Share Price: A Conservative Value Investor's Perspective
Public Sector Banks (PSBs) in India often face unique headwinds, including government influence and legacy asset quality issues. Understanding these nuances is crucial when assessing investment opportunities. This analysis examines the UCO Bank share price of ₹28.540001 through the lens of a conservative value investor, prioritizing capital safety above all else. Our focus is on the fundamental strengths and weaknesses that will dictate long-term performance.
Currently, UCO Bank trades at a PE ratio of 15.33. While this might appear attractive on the surface, a deeper dive into the bank's financials is warranted. A key area of concern is the Return on Capital Employed (ROCE) of 5.76%. This relatively low ROCE signals that the bank is not generating substantial returns on its invested capital. In practical terms, a low ROCE makes it difficult for UCO Bank to build a sustainable economic moat. It suggests limited pricing power and vulnerability to competitive pressures within the banking sector.
When compared to its peers, UCO Bank's performance requires further scrutiny. For instance, assessing
Punjab & Sind Bank's performance relative to UCO Bank highlights the impact of management quality on operational efficiency and asset management. Variations in leadership decisions can lead to significant differences in profitability and overall financial health. A thorough comparison of their respective strategies is essential.Ultimately, for a conservative investor, the safety of principal is paramount. A low ROCE, while not necessarily a deal-breaker, necessitates a highly discounted valuation to compensate for the increased risk. Further due diligence is required to understand the drivers behind the ROCE and the likelihood of improvement. This analysis is part of a larger 80-parameter fundamental audit personally overseen and verified by Sweta Mishra. This is purely an observational analysis and does not constitute a buy or sell recommendation. Investors should consult with a qualified financial advisor before making any investment decisions.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
UCO Bank Fundamental Analysis & Valuation Benchmarking
Educational evaluation of UCOBANK across key market metrics for learning purposes.
Positive Indicators
5 factors identified
Strong Operating Margins (55.70%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Excellent EPS Growth (22.81% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (24.60% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Strong Cash Generation (₹11427.57 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
6 factors identified
Below-Average Return on Equity (8.38%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (5.76%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Elevated Debt Levels (D/E: 10.08)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.25x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Limited Public Float (90.95% Promoter Holding)
Observation: High promoter holding may restrict liquidity and price discovery.
Analysis: Very high promoter holding can limit trading liquidity.
Limited Institutional Interest (FII+DII: 4.65%)
Observation: Low institutional participation may affect liquidity.
Analysis: Limited institutional interest may indicate size constraints or visibility issues.
UCO Bank Financial Statements
Comprehensive financial data for UCO Bank including income statement, balance sheet and cash flow
About UCOBANK (UCO Bank)
UCO Bank is a venerable institution in the Indian public sector banking landscape, a pillar of financial stability and accessibility for generations. Established with a vision to s...erve the nation's economic aspirations, the bank extends its reach across the country, offering a diverse array of banking solutions tailored to meet the evolving needs of its customers. From bustling metropolitan centers to the heart of rural India, UCO Bank stands as a trusted partner, empowering individuals, businesses, and communities alike through its commitment to financial inclusion and responsible banking practices. The bank's enduring legacy is built upon a foundation of ethical conduct, customer-centricity, and a deep understanding of the Indian financial ecosystem. At the core of UCO Bank's service offerings lies a comprehensive suite of deposit schemes designed to cater to every segment of society. Individuals can choose from a range of options including convenient current accounts, savings accounts that nurture financial prudence, salary accounts that streamline payroll management, and secure fixed deposits that offer attractive returns. For those seeking long-term financial security, the bank provides access to Public Provident Fund (PPF) accounts and recurring deposits that promote disciplined savings habits. UCO Bank also facilitates international transactions with accounts in foreign currencies and offers efficient fee collection services, ensuring seamless financial operations for its diverse clientele. Beyond deposits, UCO Bank empowers individuals and businesses with a wide spectrum of loan products. Farmers benefit from tailored agricultural loans, while aspiring homeowners can realize their dreams with accessible home loans. The bank also supports students with education loans, assists individuals with gold and personal loans, and enables vehicle purchases with convenient auto loans. Entrepreneurs and small businesses find a reliable partner in UCO Bank, with access to financing solutions for micro and small enterprises, working capital, and term loans. Furthermore, the bank plays a vital role in infrastructure development, providing crucial financial support for projects that drive economic growth. UCO Bank remains committed to fostering prosperity and progress across all sectors of the Indian economy through its dedicated financial services.
Company Details
Key Leadership
Corporate Events
Latest News
UCOBANK Share Price: Frequently Asked Questions
What is the current share price of UCO Bank (UCOBANK)?
As of 30 Mar 2026, 12:06 pm IST, UCO Bank share price is ₹22.45. The UCOBANK stock has a market capitalisation of ₹38.61K (Cr) on NSE/BSE.
Is UCOBANK share price Overvalued or Undervalued?
UCOBANK share price is currently trading at a P/E ratio of 15.33x, compared to the industry average of 8.20x. Based on this relative valuation, the UCO Bank stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of UCOBANK share price?
The 52-week high of UCOBANK share price is ₹35.08 and the 52-week low is ₹23.25. These values are updated daily from NSE/BSE price data.
What factors affect the UCO Bank share price?
Key factors influencing UCOBANK share price include quarterly earnings growth (Sales Growth: 7.55%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is UCO Bank a good stock for long-term investment?
UCO Bank shows a 5-year Profit Growth of 24.60% and an ROE of 8.38%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 10.08 before investing in UCOBANK shares.
How does UCO Bank compare with its industry peers?
UCO Bank competes with major peers in the Public Sector Bank. Investors should compare UCOBANK share price P/E of 15.33x and ROE of 8.38% against the industry averages to determine competitive standing.
What is the P/E ratio of UCOBANK and what does it mean?
UCOBANK share price has a P/E ratio of 15.33x compared to the industry average of 8.20x. Investors pay ₹15 for every ₹1 of annual earnings.
How is UCOBANK performing according to Bull Run's analysis?
UCOBANK has a Bull Run fundamental score of 43.4/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does UCOBANK belong to?
UCOBANK operates in the Public Sector Bank industry. This classification helps understand the competitive landscape and sector-specific trends affecting UCO Bank share price.
What is Return on Equity (ROE) and why is it important for UCOBANK?
UCOBANK has an ROE of 8.38%, which suggests challenges in generating returns from shareholders equity. ROE measures how efficiently UCO Bank generates profits from shareholders capital.
How is UCOBANK debt-to-equity ratio and what does it indicate?
UCOBANK has a debt-to-equity ratio of 10.08, which indicates high leverage that increases financial risk.
What is UCOBANK dividend yield and is it a good dividend stock?
UCOBANK offers a dividend yield of 1.27%, meaning you receive ₹1.27 annual dividend for every ₹100 invested in UCO Bank shares.
How has UCOBANK share price grown over the past 5 years?
UCOBANK has achieved 5-year growth rates of: Sales Growth 10.62%, Profit Growth 24.60%, and EPS Growth 22.81%.
What is the promoter holding in UCOBANK and why does it matter?
Promoters hold 90.95% of UCOBANK shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in UCO Bank.
What is UCOBANK market capitalisation category?
UCOBANK has a market capitalisation of ₹38609 crores, placing it in the Large-cap category.
How volatile is UCOBANK stock?
UCOBANK has a beta of N/A. A beta > 1 suggests the UCO Bank stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is UCOBANK operating profit margin trend?
UCOBANK has a 5-year average Operating Profit Margin (OPM) of 55.70%, indicating the company's operational efficiency.
How is UCOBANK quarterly performance?
Recent quarterly performance shows UCO Bank YoY Sales Growth of 7.55% and YoY Profit Growth of 2.82%.
What is the institutional holding pattern in UCOBANK?
UCOBANK has FII holding of 0.13% and DII holding of 4.52%. Significant institutional holding often suggests professional confidence in the UCO Bank stock.