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Daily Range
Daily RangeToday's Low
₹ 41.71
Today's High
₹ 43.17
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52 Weeks Range
52 Weeks Low
₹ 10.55
52 Weeks High
₹ 38.15
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Momentum of the Stock
Momentum of the Stock Bearish![]()
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Circuit Limit
Lower
₹ 33.98
Upper
₹ 50.97
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Financials Strength Score
Financials Strength Score Piotroski Score
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Company Profile
UCO Bank provides a range of banking and financial services in India and internationally. It accepts deposit products, such as current accounts, saving accounts, salary accounts, fixed deposits, recurring deposits, accounts in foreign currency, salary accounts, and fee collection accounts. The company also provides agri, home, education, gold, personal, vehicle, and mortgage loans; finance to micro and small enterprises; working capital financing; term loans; infrastructure finance; and agriculture credit. In addition, it offers life, health, and general insurance products; credit and debit cards; internet banking services; and international banking services, including NRI banking, foreign currency loans, finance to exporters and importers, remittances, forex and treasury services, resident foreign currency deposits, and correspondent banking services to Indian customers, corporates, NRIs, overseas corporate bodies, foreign companies/individuals, and foreign banks. Further, the company provides government deposit schemes/bonds, pension payments/schemes, and tax collection services; merchant banking; and mutual funds. As of March 31, 2022, it operated 3072 domestic branches and 2 overseas branches. The company was formerly known as The United Commercial Bank Ltd. and changed its name to UCO Bank in December 1985. UCO Bank was founded in 1943 and is headquartered in Kolkata, India.
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Companies under the same Group
Companies under the same Group
BEML
Bharat Electronics
BHEL
HPCL
IFCI
MTNL
MRPL
Chennai Petrol. Corp
SAIL
LIC Housing Finance
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Key Metrics
Key MetricsStandalone
Consolidated
No of shares Outstanding
1,195.6 Cr.
EPS-TTM
₹3.32
Face Value
₹10.00
Book Value
₹20.92
Net Asset Value
₹19.07
ROE
8.56%
ROA
0.66%
ROCE
9.14%
Dividend Yield
0.66%
Total Debt
₹ 20.5 Cr.
Sales Growth
17.82%
PAT Growth
100.30%
Financials
| Particulars | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|
| SOURCES OF FUNDS: | |||
| Total Liabilities & Total Equity | 300,702.2 | 267,659.3 | 253,246.2 |
| Share Capital | 11,956.0 | 11,956.0 | 9,918.3 |
| Share Warrants & Outstandings | 0.0 | 0.0 | 2,600.0 |
| Total Reserves | 13,647.7 | 11,512.8 | 9,998.2 |
| Deposits | 249,337.7 | 224,072.9 | 205,919.4 |
| Borrowings | 20,501.1 | 13,508.1 | 15,382.6 |
| Liabilities & Provisions | 5,259.7 | 6,609.5 | 9,427.7 |
| APPLICATION OF FUNDS: | |||
| Total Assets | 300,702.2 | 267,659.3 | 253,246.2 |
| Cash and balance with RBI | 10,300.0 | 10,287.6 | 9,445.4 |
| Balances with banks and money at call | 18,428.1 | 15,860.4 | 14,154.8 |
| Investments | 95,008.5 | 96,749.0 | 93,693.0 |
| Advances | 155,870.2 | 122,784.4 | 111,354.6 |
| Net Block | 3,444.5 | 3,287.1 | 3,151.2 |
| Lease Adjustment | 0.0 | 0.0 | 0.0 |
| Capital Work in Progress | 65.0 | 47.8 | 67.0 |
| Other Assets | 17,585.9 | 18,642.9 | 21,380.1 |
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Financial Statement Analysis
Quick Ratio
The Industry Quick Ratio stands at 0.00, vs the Quick Ratio of 0.00, which results in a Negative aspect.
Current Ratio
The Industry Current Ratio stands at 0.00, vs the Current Ratio of 0.00, which results in a Negative aspect.
Debt to Equity Ratio
The Industry Debt to Equity Ratio stands at 1.11, vs the Debt to Equity Ratio of 0.89, which results in a Positive aspect.
Price to BV
The Industry Price to BV stands at 1.81, vs the Price to BV of 2.49, which results in a Positive aspect.
| Particulars | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|
| Total Income | 17,650.5 | 14,981.3 | 14,446.2 |
| Total Expenditure | 17,650.5 | 14,981.3 | 14,446.2 |
| Profit Before Tax | 16,798.1 | 17,397.2 | 17,883.2 |
| Less: Taxation | 1,042.8 | 820.6 | -242.5 |
| Profit After Tax | 1,862.3 | 929.8 | 167.0 |
| Earnings Per Share | 0.0 | 0.0 | 0.0 |
| Appropriation | 1,798.2 | 805.0 | -12,460.3 |
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Financial Statement Analysis
PE Ratio
The Industry PE Ratio stands at 13.39, vs the PE Ratio of 15.95, which results in a Positive aspect.
Dividend Yield
The Industry Dividend Yield stands at 1.74, vs the Dividend Yield of 0.56, which results in a Negative aspect.
PAT Margin
The Industry PAT Margin stands at 9.38, vs the PAT Margin of 1.16, which results in a Negative aspect.
PAT Growth
The Industry PAT Growth stands at 92.16, vs the PAT Growth of 0.00, which results in a Negative aspect.
| Particulars | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|
| Profit Before Tax | 2,869.1 | 1,715.5 | -106.3 |
| Tax Paid | 0.0 | 0.0 | 0.0 |
| Adjustment | 3,362.1 | 4,610.4 | 5,398.7 |
| Changes In Working Capital | 2,869.1 | 1,715.5 | -106.3 |
| Cash Flow after changes in Working Capital | 0.0 | 0.0 | 0.0 |
| Cash Flow from Operating Activities | 2,982.9 | 4,398.7 | 2,422.1 |
| Cash Flow from Investing Activities | -267.3 | -199.8 | -154.5 |
| Cash Flow from Financing Activities | -335.8 | -1,636.5 | 3,265.7 |
| Net Cash Inflow / Outflow | 2,379.8 | 2,562.3 | 5,533.3 |
| Opening Cash & Cash Equivalents | 26,148.0 | 23,600.2 | 17,806.2 |
| Effect of Foreign Exchange Fluctuations | 200.3 | -14.6 | 260.8 |
| Closing Cash & Cash Equivalent | 28,728.1 | 26,148.0 | 23,600.2 |
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Financial Statement Analysis
PFCF Ratio
The Industry PFCF Ratio stands at 3.40, vs the PFCF Ratio of -4.02, which results in a Negative aspect.
PCF RATIO
The Industry PCF RATIO stands at 2.22, vs the PCF RATIO of 4.50, which results in a Positive aspect.
| Particulars | Sep 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 | Mar 2022 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 60,783.6 | 58,597.0 | 55,518.9 | 52,188.2 | 52,239.3 | 49,874.1 | 46,271.4 | 41,848.9 | 38,510.7 | 37,726.8 |
| Other Income | 9,930.7 | 11,249.1 | 8,608.2 | 6,467.9 | 6,330.2 | 9,595.3 | 8,234.6 | 7,799.5 | -544.8 | 5,889.5 |
| Total Income | 70,714.3 | 69,846.1 | 64,127.1 | 58,656.1 | 58,569.5 | 59,469.4 | 54,506.0 | 49,648.4 | 37,965.9 | 43,616.3 |
| Interest Expended | 37,780.2 | 36,723.4 | 35,638.2 | 33,022.7 | 32,151.3 | 30,153.0 | 26,752.8 | 24,152.9 | 22,015.3 | 21,203.0 |
| Operating Expenses | 18,618.1 | 20,393.9 | 17,297.5 | 15,814.6 | 14,394.7 | 15,745.9 | 14,214.3 | 13,597.7 | 11,551.2 | 12,917.6 |
| Total Expenditure | 18,618.1 | 20,393.9 | 17,297.5 | 15,814.6 | 14,394.7 | 15,745.9 | 14,214.1 | 13,597.7 | 11,551.2 | 12,917.6 |
| Operating Profit Before Provisions and Contingencies | 14,316.0 | 12,728.8 | 11,191.4 | 9,818.8 | 12,023.5 | 13,570.5 | 13,539.1 | 11,897.8 | 4,399.4 | 9,495.7 |
| Exceptional Items | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Provisions and contingencies | 4,928.4 | 4,673.7 | 3,422.5 | 3,420.9 | 8,556.9 | 4,505.4 | 3,324.3 | 4,057.7 | 2,468.4 | 4,656.0 |
| Profit Before Tax | 9,387.6 | 8,055.1 | 7,768.9 | 6,397.9 | 3,466.6 | 9,065.1 | 10,214.8 | 7,840.1 | 1,931.0 | 4,839.7 |
| Tax | 3,360.2 | 2,797.4 | 2,740.6 | 2,381.2 | 1,231.8 | 3,252.7 | 3,685.1 | 2,794.9 | 694.9 | 1,717.9 |
| Profit After Tax | 6,027.4 | 5,257.7 | 5,028.3 | 4,016.7 | 2,234.8 | 5,812.4 | 6,529.7 | 5,045.2 | 1,236.1 | 3,121.8 |
| Net Profit | 6,027.4 | 5,257.7 | 5,028.3 | 4,016.7 | 2,234.8 | 5,812.4 | 6,529.7 | 5,045.2 | 1,236.1 | 3,121.8 |
| ADDITIONAL INFOS: | ||||||||||
| Equity Capital | 119,559.6 | 119,559.6 | 119,559.6 | 119,559.6 | 119,559.6 | 119,559.6 | 119,560.0 | 119,560.0 | 119,560.0 | 119,560.0 |
| Reserves | 122,602.7 | 122,602.7 | 108,444.4 | 108,444.4 | 108,444.4 | 108,444.4 | 87,805.9 | 87,805.9 | 87,805.9 | 87,805.9 |
| Capital Adequacy Ratio | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| % of Net NPAs | 0.7 | 0.9 | 1.0 | 1.1 | 1.2 | 1.3 | 1.7 | 2.0 | 2.5 | 2.7 |
| % of Gross NPAs | 3.2 | 3.5 | 3.9 | 4.1 | 4.5 | 4.8 | 5.6 | 6.6 | 7.4 | 7.9 |
| Return on Assets | 0.8 | 3.0 | 0.7 | 0.5 | 0.3 | 0.7 | 0.9 | 0.7 | 0.2 | 0.5 |
| EPS | 0.5 | 0.5 | 0.4 | 0.3 | 0.2 | 0.5 | 0.6 | 0.4 | 0.1 | 0.3 |
| Operating Profit Margin | 7,071,337.0 | 6,984,512.5 | 6,412,614.5 | 5,865,516.5 | 5,856,861.0 | 5,946,848.0 | 5,450,511.5 | 4,964,750.0 | 3,796,502.8 | 4,361,539.5 |
| Net Profit Margin | 9.9 | 9.0 | 9.1 | 7.7 | 4.3 | 11.7 | 14.1 | 12.1 | 3.2 | 8.3 |
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Financial Statement Analysis
Net Sales Growth
The Industry Net Sales Growth stands at 21.64, vs the Net Sales Growth of 0.00, which results in a Negative aspect.
Mcap Growth
The Industry Mcap Growth stands at 140.39, vs the Mcap Growth of 0.00, which results in a Negative aspect.
Technicals
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Pivot Levels
Pivot Levels Check Advanced Levels ![]()
| Type | Classic | Woodie | Camarilla |
|---|---|---|---|
| R4 | 45.40 | 46.84 | 43.28 |
| R3 | 44.66 | 44.67 | 42.88 |
| R2 | 43.91 | 43.92 | 42.75 |
| R1 | 43.20 | 43.21 | 42.61 |
| Pivot | 42.45 | 42.46 | 42.45 |
| S1 | 41.74 | 41.75 | 42.35 |
| S2 | 40.99 | 41.00 | 42.21 |
| S3 | 40.28 | 40.29 | 42.08 |
| S4 | 39.56 | 38.08 | 41.68 |
(All Values are in INR)
The Pivot level gives the user an indication about key support & resistance levels for a selected stock.
EMA & SMA Levels 
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Beta
Beta 1 Day
1.68
1 Week
1.68
1 Month
1.64
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Indicators
Stoch RSI
0.00
Bullish
RSI
39.60
Neutral
ROC
-7.87
Bearish
UltimateOscillator
39.03
Neutral
Williams Indicator
-69.96
Neutral
CCI Indicator
-90.21
Neutral
MACD
-2,904.38
Bearish
Stochastic Indicator
26.13
Neutral
ATR
2.88
High Volatility
Corporate Actions
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Corporate Actions - Board Meet
Corporate Actions - Board Meet | Ex-Date | Ratio | Record Date |
|---|
| Ex-Date | Ratio | Record Date |
|---|
| Announcement Date | Dividend Amount | Dividend Percentage of FV | Dividend Type |
|---|
| Date Of Conduct | Board Meeting Details |
|---|---|
| 19-10-2024 | Quarterly Results |
| 24-01-2024 | Quarterly Results |
| 03-11-2023 | Quarterly Results |
| 28-07-2023 | Quarterly Results |
| 02-05-2023 | Audited Results & Final Dividend Inter alia, to consider and approve 1. Raising of equity capital during the financial year 2023-24 through various modes such as Follow on Public Offer (FPO), Qualified Insitutional Placement (QIP), Preferential issue etc. |
| 02-05-2023 | Final Dividend & Audited Results Inter alia, approved:- Raising of equity capital during the financial year 2023-24 through various modes such as Follow on Public Offer (FPO), Qualified Insitutional Placement (QIP), Preferential issue etc. |
| 24-01-2023 | Quarterly Results |
| 03-11-2022 | Quarterly Results |
| 05-08-2022 | Quarterly Results |
| 19-05-2022 | Final Dividend |
| 13-05-2022 | Audited Results |
| 31-01-2022 | Quarterly Results |
| 28-10-2021 | Quarterly Results |
| 27-07-2021 | Quarterly Results |
| 23-06-2021 | Inter alia, to consider and approve the proposal for raising of Tier II Capital upto Rs.500 Crore |
| 27-05-2021 | Audited Results interalia, to consider the proposal for raising of equity capital during the financial year 2021-22 through various modes such as Follow on Public Offer (FPO), Qualified Insitutional Placement (QIP), Preferential issue etc |