UCO Bank
Ticker: UCOBANK
Risky
48/100
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Investing Reference
Price
33.21
Market Cap
41643.88
Debt/Equity
0.0000
ROE %
8.496
PB
1.3484
Promoter %
90.951
Pledge %
0.000
1Y Rev Growth %
17.332
5Y Rev Growth %
NP Margin %
8.374
NP Margin 5Y Avg %
6.023
Trading Reference
1M Return %
6.113
6M Return %
5.328
1Y Return %
-27.977
% Away 52W High
56.579
% Away 52W Low
23.872
Daily Volume
33662502
Investment Verdict
Buy
Score 78/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 34/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
Summary
UCO Bank shows potential for growth amid improving asset quality and profitability metrics.
✅ Positives
- Improving asset quality and reduced NPAs
- Strong growth in net interest income
- Positive outlook on credit growth
⚠️ Negatives
- High provisioning requirements
- Competitive banking environment
- Regulatory challenges ahead
Verdict
Moderate growth potential with some risks.
Recommendation: Consider buying on dips.
Upside Probability: 30% | Downside Probability: 15%
Last generated: 31/10/2025
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Business Overview
UCO Bank, established in 1943, is a prominent public sector bank in India, serving millions of customers with a wide range of banking and financial services. It caters to individuals, businesses, and government entities, ensuring accessible banking solutions for all. UCO Bank plays a vital role in the Indian economy by supporting financial inclusion and fostering growth in various sectors. With a strong emphasis on customer service and innovative banking products, it remains a trusted choice for reliable banking solutions.
- Established in 1943, a trusted public sector bank.
- Offers a comprehensive range of banking services.
- Focus on financial inclusion and customer satisfaction.
- Supports businesses and individuals alike.
- Innovative products tailored to diverse needs.
Investment Thesis
UCO Bank presents a compelling investment opportunity due to its strong promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. These factors position the bank for sustained performance and shareholder value creation in the evolving financial landscape.
- Strong backing from the government enhances credibility and stability.
- Robust digital service initiatives are set to drive customer acquisition and retention.
- Valuation metrics indicate UCO Bank is undervalued compared to industry peers.
- Focus on improving asset quality and reducing NPAs supports long-term growth.
- Strategic expansion plans align with the growing demand for banking services in India.
Opportunity vs Risk
Opportunities
- Strong government support
- Growing retail banking sector
- Digital banking expansion
- Rising loan demand
- Improved asset quality
Risks ⚠️
- High NPA levels
- Economic slowdown impact
- Regulatory changes
- Intense competition
- Interest rate fluctuations
Peer Perspective
UCO Bank trades at a discount to peers like Bank of Baroda and Punjab National Bank, primarily due to lower ROCE. A sustained improvement in asset quality and margin stability could trigger a rerating.
Future Outlook
UCO Bank is well-positioned for growth, driven by strategic initiatives and improving asset quality; however, successful execution and stringent cost control will be crucial to realize its full potential in the coming quarters.
AI FAQs for Retail Users
- Q: What does UCO Bank do?A: UCO Bank is a public sector bank in India offering a range of banking and financial services.
- Q: Is UCO Bank a safe investment?A: Investing in UCO Bank carries risks, like any stock. Consider your financial situation and risk tolerance.
- Q: How can I buy UCO Bank shares?A: You can buy UCO Bank shares through a registered stockbroker or an online trading platform.
- Q: What factors affect UCO Bank's stock price?A: Factors include overall market conditions, bank performance, economic indicators, and regulatory changes.
- Q: Can I expect dividends from UCO Bank?A: UCO Bank may declare dividends based on its financial performance, but past performance does not guarantee future dividends.
📊 Stock Investment Checklist (100 Points)
UCO Bank • Updated: 2025-09-18 01:23:59
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8BusinessHighThe banking sector is essential and has a clear model, but UCO Bank lacks a strong competitive moat.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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10ProfitabilityHighROE and ROCE are below industry averages, and cash flow is not consistently strong.
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9ValuationHighValuation metrics like P/E and P/B are slightly above peers, indicating potential overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity ratios could be improved.
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6GovernanceGoodPromoter holding is moderate, but there are concerns about transparency in disclosures.
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5DriversGoodGrowth drivers are limited, with execution risks in expanding market presence.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
UCO Bank shows potential but faces significant challenges in growth and profitability, making it a risky investment at this time.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 55/100
- Market Confidence: 60/100