Mid Banks

UCO Bank

UCOBANK

₹32.48

0.28% (0.09)

Market Cap

₹40,716 Cr.

P/E

16.50

UCO Bank

Price
Growth Table
Balance Sheet
Profit & Loss
Cash Flow
Cash Flow Analysis
Ratios
Quarterly Results
Reverse DCF

FAQs on UCO Bank Shareprice

Has the share price of UCO Bank grown faster than its competition?

UCO Bank has given lower returns compared to its competitors.
UCO Bank has grown at ~-4.92% over the last 10yrs while peers have grown at a median rate of 0.49%

Is UCO Bank stock expensive?

UCO Bank is expensive when considering the Price to Book, however latest PE is < 3 yr avg PE.
Latest PE of UCO Bank is 16.5 while 3 year average PE is 34.73.
Also latest Price to Book of UCO Bank is 1.32 while 3yr average is 1.29.

View FAQ's On Business

Growth Table

UCO Bank
Bank of Maharashtra
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CentralBank of India
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In %	1yr	2yr	3yr	4yr	5yr	6yr	7yr	8yr	9yr	10yr
Share Price CAGR	-39.75	6.29	42.60	21.31	17.67	8.78	8.12	-0.75	-3.59	-4.92
TTM EPS CAGR	42.30	12.85	37.27	93.75	—	—	—	—	—	-13.54
Sales CAGR	-0.21	11.51	11.50	8.83	6.84	7.95	7.47	3.91	2.45	1.61
PAT Margin (Abs Growth)	2.19	-0.80	3.55	8.60	25.86	39.91	41.40	21.09	24.84	3.88
PE CAGR	-57.66	-5.81	3.88	-37.39	—	—	—	—	—	9.97

* Share price and PE growth are updated everyday. All other fields are as of latest financial year end. EPS adjusted for bonus and splits.

Balance Sheet

UCO Bank
Bank of Maharashtra
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CentralBank of India
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In Rs. Cr.	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Assets	2,53,246	2,67,659	3,00,702	3,23,548	3,62,361
Cash and balance with Reserve Bank of India	9,445	10,288	10,300	10,197	10,359
Balances with banks and money at call	14,155	15,860	18,428	18,828	25,768
Investments	93,693	96,749	95,009	92,761	94,153
Advances	1,11,355	1,22,784	1,55,870	1,82,022	2,15,135
Fixed Assets	3,151	3,287	3,444	3,717	3,791
Other Assets	21,380	18,643	17,586	15,958	13,095
Liabilities	2,53,246	2,67,659	3,00,702	3,23,548	3,62,361
Shareholders Funds	22,516	23,469	25,604	27,214	30,885
Share Capital	9,918	11,956	11,956	11,956	12,540
Reserves	9,998	11,513	13,648	15,258	18,345
Deposits	2,05,919	2,24,073	2,49,338	2,63,130	2,93,542
Borrowings	15,383	13,508	20,501	25,331	28,687
Other Liabilities & Provisions	9,428	6,609	5,260	7,873	9,247

Balance Sheet Snapshot

No data available.

Fund Flow Analysis

Increase
Decrease
Total

No data available.

*Data is as of latest FY end

Profit & Loss

UCO Bank
Bank of Maharashtra
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CentralBank of India
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In Rs. Cr.	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Total Income	17,870	18,082	20,159	25,120	29,474
Interest Earned	14,446	14,981	17,651	21,854	25,067
Interest/Discount on advances/Bills	7,765	8,322	10,343	14,162	17,117
Other Income	3,424	3,101	2,508	3,266	4,407
Interest Expended	8,966	8,508	10,307	13,754	15,437
Operating_expenses	4,755	4,776	5,511	6,790	7,999
PPOP	4,149	4,797	4,341	4,576	6,037
Provisions and Contingencies	3,982	3,868	2,478	2,923	3,592
Net Profit	146	895	1,826	1,672	2,468
Number of shares(Crs)	992	1,196	1,196	1,196	1,254
Dividend Payout Ratio(%)	0.00	0.00	0.00	20.03	19.82

Cash Flow

UCO Bank
Bank of Maharashtra
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CentralBank of India
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In Rs. Cr.	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Cash from Operating Activity	2,422	4,399	2,983	1,002	1,913
Profit Before Tax	-106	1,716	2,869	2,587	3,857
Adjustments	5,399	4,610	3,362	3,126	3,975
OCF Before Working Capital	5,292	6,326	6,231	5,712	7,832
Working Capital Changes	-2,870	-1,927	-3,248	-4,710	-5,919
Taxes Paid	—	—	—	—	—
Cash from Investing Activity	-155	-200	-267	-295	-328
Net Fixed Assets Purchased	-164	-209	-282	-299	-336
Fixed Assets Purchased	-146	-216	-288	-354	-372
Fixed Assets Sold	-18.39	6.77	6.73	54.66	35.26
Investment Purchased	—	—	—	—	—
Investment Sold	—	—	—	—	—
Interest Recieved	—	—	—	—	—
Dividends Recieved	9.29	9.43	14.29	4.05	8.69
Subsidiary Investments	—	—	—	—	—
Cash from Financing Activity	3,266	-1,637	-336	-430	5,869
Proceeds From Shares	—	—	—	—	—
Net Long Term Borrowings	0.00	0.00	0.00	0.00	0.00
Proceeds From Borrowings	—	—	—	—	—
Repayment From Borrowings	—	—	—	—	—
Interest Paid	—	—	—	—	—
Dividend Paid	—	—	—	—	-335
Net Cash Flow	5,533	2,562	2,380	277	7,454
Opening Cash & Cash Equivalents	17,806	23,600	26,148	28,728	29,025
Effect of FX	—	—	—	—	—
Closing Cash & Cash Equivalents	23,600	26,148	28,728	29,025	36,127
Free Cash Flow (est)	2,258	4,189	2,701	703	1,576

Cash Flow Analysis

Increase
Decrease
Total

No data available.

Ratios

= Dominant Factor

UCO Bank
Bank of Maharashtra
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CentralBank of India
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	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Operational Ratios
Gross NPA (%)	9.59	7.89	4.78	3.46	2.69
CASA Ratio (%)	39.16	39.42	36.79	37.45	35.83
CASA Amount (Crs)	80,630	88,331	91,724	98,552	1,05,165
Deposits (Crs)	2,05,919	2,24,073	2,49,338	2,63,130	2,93,542
CASA vs Total Liabilities (%)	31.84	33.00	30.50	30.46	29.02
CASA Amount (Crs)	80,630	88,331	91,724	98,552	1,05,165
Liabilities (Crs)	2,53,246	2,67,659	3,00,702	3,23,548	3,62,361
Sales per Branch (Crs)	5.81	5.84	6.28	7.75	8.93
Total Income (Crs)	17,870	18,082	20,159	25,120	29,474
Number of Branches	3,076	3,094	3,211	3,242	3,302
Profitability Ratios
Net Interest Margin (%)	2.40	2.63	2.63	2.67	2.79
Return On Assets (%)	0.07	0.36	0.66	0.53	0.71
Net Profit (Crs)	146	895	1,826	1,672	2,468
Total Assets (Crs)	2,53,246	2,67,659	3,00,702	3,23,548	3,62,361
Credit Deposit Ratio (%)	54.08	54.80	62.51	69.18	73.29
Credit (Crs)	1,11,355	1,22,784	1,55,870	1,82,022	2,15,135
Deposits (Crs)	2,05,919	2,24,073	2,49,338	2,63,130	2,93,542
ROE (%)	0.97	4.90	8.56	7.03	9.39
Net Profit Margin (%)	0.82	4.95	9.06	6.65	8.37
Asset Turnover Ratio	0.07	0.07	0.07	0.08	0.08
Equity Multiplier	11.25	11.40	11.74	11.89	11.73
EPS	0.15	0.75	1.53	1.40	1.97
Valuation Ratios
P/E	74.81	15.86	15.96	37.35	18.16
Price to Book Value	0.63	0.68	1.28	2.58	1.61
Book Value	22,516	23,469	25,604	27,214	30,885
Dividend Yield (%)	0.00	0.00	0.00	0.54	1.09

Quarterly Results

UCO Bank
Bank of Maharashtra
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CentralBank of India
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In Rs. Cr.	Dec'22	Mar'23	Jun'23	Sep'23	Dec'23	Mar'24	Jun'24	Sep'24	Dec'24	Mar'25
Total Income	5,451	5,947	5,857	5,866	6,413	6,985	6,859	7,071	7,406	8,137
Interest Earned	4,627	4,987	5,224	5,219	5,552	5,860	6,024	6,078	6,220	6,745
Interest On Balances With RBI and Other Banks	233	339	356	272	394	389	423	348	360	369
Income from Investments	1,577	1,563	1,510	1,528	1,550	1,537	1,585	1,592	1,567	1,602
Interest/Discount on advances/Bills	2,773	3,039	3,314	3,377	3,570	3,901	3,959	4,138	4,272	4,748
Other Income	823	960	633	647	861	1,125	835	993	1,186	1,392
Interest Expended	2,675	3,015	3,215	3,302	3,564	3,672	3,770	3,778	3,842	4,046
Operating Expenses	1,421	1,575	1,439	1,581	1,730	2,039	1,768	1,862	1,978	2,392
Employee Cost	1,047	1,058	1,028	1,062	1,253	1,543	1,208	1,304	1,323	1,618
Selling and Distribution Expenses	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
General and Administration Expenses	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation and Amortization	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
PPOP	1,354	1,357	1,202	982	1,119	1,273	1,321	1,432	1,586	1,699
Provisions and Contingencies	332	451	856	342	342	467	459	493	590	663
Profit Before Tax	1,021	907	347	640	777	806	862	939	996	1,036
Tax	369	325	123	238	274	280	312	336	357	384
Profit After Tax	653	581	223	402	503	526	551	603	639	652
Minority Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Profit	654	557	225	404	505	538	555	607	640	666
Quarterly Ratios
EPS	0.55	0.47	0.19	0.34	0.42	0.45	0.46	0.51	0.54	0.53
Operating Profit Margin	11.46	7.97	10.90	6.42	4.65	2.53	8.06	7.21	6.43	4.55
Net Profit Margin	14.11	11.65	4.28	7.70	9.06	8.97	9.15	9.92	10.27	9.67
Net Interest Margin	2.99	2.90	2.86	2.84	2.84	3.03	3.09	3.10	3.17	3.00
CASA Ratio	37.89	36.79	38.10	38.28	37.61	39.25	38.62	38.24	37.97	37.91
Gross NPA	5.63	4.78	4.48	4.14	3.85	3.46	3.32	3.18	2.91	2.69
Cost To Income Ratio	51.22	53.71	54.49	61.70	60.72	0.00	57.23	56.53	55.50	58.47

Reverse DCF

Earnings

Discount Rate (%)

Terminal Multiple

5 YEAR

10 YEAR

20 YEAR

21.20%

Implied Growth Rate over a 5 year period*

5.00%

Implied Growth Rate over a 10 year period*

1.50%

Implied Growth Rate over a 20 year period*

*Implied Growth calculated using Newton-Raphson method.

Learn how to use Reverse DCF

FAQs on UCO Bank Financials

How strong is UCO Bank balance sheet?

Latest balance sheet of UCO Bank is strong, However historically the companies balance sheet has shown some weakness.

Is the profitablity of UCO Bank improving?

The profit is oscillating.
The profit of UCO Bank is ₹2,468 Crs for Mar 2025, ₹1,672 Crs for Mar 2024 and ₹1,826 Crs for Mar 2023

Does UCO Bank pay decent dividends?

The company seems to be paying a very low dividend.
Investors need to see where the company is allocating its profits.
UCO Bank latest dividend payout ratio is 19.82% and 3yr average dividend payout ratio is 19.92%

How has UCO Bank allocated its funds?

Company has been allocating majority of new resources to productive uses like advances.

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UCO Bank

UCO Bank

Has the share price of UCO Bank grown faster than its competition?

Is UCO Bank stock expensive?

How strong is UCO Bank balance sheet?

Is the profitablity of UCO Bank improving?

Does UCO Bank pay decent dividends?

How has UCO Bank allocated its funds?

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