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On 6 Nov 2026, UCO Bank was priced at ₹23.84, or 10.0× trailing earnings, and the shares are 27% below their 52-week high. Net profit grew 15% a year over 3 years; its ROE of 8.9% is the lowest among the 7 largest Banks (Regional) peers. ROCE and debt-to-equity are not meaningful for banks and lenders; it trades at 0.86× book value and its dividend yield is 1.8%. It is a small-cap company with a market cap of ₹29,894 Cr, ranked 22nd of 41 Banks (Regional) companies by market cap; the shares fell 27% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Sep 2026.How we calculate this

past year
Open
₹23.72
Day high
₹23.89
Day low
₹23.50
Prev. close
₹23.86
Volume
33.5 L

Health check

2 good · 2 fair · 2 to check
  • ReturnsBehind

    −27.0% over a year, better than 0 of 7 peers.

  • Price tagCheaper

    P/B 0.86 vs peer median 1.78.

  • GrowthSteady

    Profit +14.9% a year over 3 years.

  • ProfitabilityWeak

    ROE 8.9% vs peer median 14.7%.

  • Balance sheetFair

    Return on assets 0.76%. Bad-loan data isn’t covered.

  • Red flagsNone found

    No warning signs in the headline numbers.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Banks - Regional

40 listed peers. Screen the industry

Small cap

₹29,894 Cr, #22 of 41 in its industry by size.

Defensive

Beta 0.71 vs the NIFTY 50: moves less than the market.

Key metrics

Last 12 months to Sep 2026: sales ₹13,214 Cr · profit ₹2,983 Cr
Market cap
₹29,894 Cr
Small cap
P/E
10.0
Industry 9.2
Price to book
0.86
Peers 1.78
Dividend yield
1.84%
ROE
8.9%
Peers 14.7%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹2.38
Face value ₹10
OPM (TTM)
35.9%
Net margin 22.6%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+26.8%
Latest quarter vs a year ago
Price to sales
2.26

Strengths and risks

Strengths

  • Quarterly profit up 26.8% on a year ago.

No obvious red flags in the headline numbers.

Derived automatically from reported figures. Not a recommendation.

About UCO Bank

UCO Bank provides various banking and financial services in India and internationally. The company's deposit products include current accounts, saving accounts, fixed deposits, recurring deposits, accounts in foreign currency, and fee collection accounts. It also offers agri, home, education, gold, personal, vehicle, and mortgage loans; finance to micro and small enterprises; working capital financing; term loans; infrastructure finance; and agriculture…

Headquarters
Kolkata
Employees
20,984
Sector
Financial Services
ISIN
INE691A01018
Website
uco.bank.in

Price range

52 weeks

₹21.34₹32.72

Today

₹23.50₹23.89
Avg volume (3M)
40 L
1-year return
minus 27.0%
From 52-week high
minus 27.1%

Peers · Banks - Regional

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
HDFCBANKHDFC Bank788.25plus 3.72%12,16,45117.22.0011.0%1.7%12.5%1.71%minus 22.9%
ICICIBANKICICI Bank1,571.20plus 4.75%11,28,25519.32.8916.5%2.1%16.8%0.80%plus 12.2%
SBINState Bank of India1,018.50plus 1.20%9,40,13810.41.4014.7%1.2%14.4%1.72%plus 5.1%
KOTAKBANKKotak Mahindra Bank480.00plus 2.78%4,77,49822.22.4511.8%2.1%8.9%0.14%plus 11.4%
AXISBANKAxis Bank1,322.90plus 3.35%4,11,98513.81.7813.9%1.6%34.6%0.08%plus 4.4%
PNBPunjab National Bank126.55plus 0.36%1,45,4436.40.9015.1%1.1%76.4%2.38%plus 2.3%
UNIONBANKUnion Bank of India187.00minus 0.53%1,42,7486.51.0016.3%1.4%31.7%2.66%plus 24.1%
UCOBANKUCO Bank23.84minus 0.08%29,89410.00.868.9%0.8%14.9%1.84%minus 27.0%
Median of 7 peers–2.78%4,77,49813.81.7814.7%1.6%16.8%1.71%5.1%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrSep 25Dec 25Mar 26Jun 26Sep 26
3,4173,1903,1143,4773,473
4,0044,0064,0424,1884,400
1,0251,1551,2472,5751,065
39.5%36.0%35.8%74.5%26.2%
620740801656786
0.490.590.640.520.63

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
+14.9%
EPS CAGR 3Y
+13.0%
ROE
8.9%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
9,85110,80811,41212,329
–+9.7%+5.6%+8.0%
10,30713,75415,43716,085
218281311372
−2.4−4.4−1.3−17.8
2,9052,5693,8344,373
35.9%35.6%36.2%36.7%
1,8261,6722,4452,768
–minus 8.5%+46.3%+13.2%
1.531.402.042.21

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
11,95611,95612,54012,540
13,64815,25818,46520,710
20,50121,17923,68718,310
2,54,5972,75,1553,07,7893,44,299
3,00,7023,23,5483,62,4813,95,858
3,5103,7813,8524,200
6564.861.274.5
95,00992,76194,27298,777
28,72829,02538,10825,069
1,73,3911,97,9152,26,1882,67,737
3,00,7023,23,5483,62,4813,95,858

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
2,9831,0021,913−10,584
−267−295−328−419
−336−4305,869−977
2,3802777,454−11,981
−288−354−372−593
2,6956481,541−11,178
––−335−489

Shareholding pattern

Source: NSE filings
91.0%
promoters
  • Promoters90.95%
  • Public9.05%
  • As of 30 Sep 2026
QuarterSplitPromotersPublicPromoter change
30 Sep 202690.95%9.05%0.00
30 Jun 202690.95%9.05%0.00
31 Mar 202690.95%9.05%0.00
31 Dec 202590.95%9.05%0.00
30 Sep 202590.95%9.05%–

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you