UCO Bank
Ticker: UCOBANK
Risky
48/100
☆ Add to Watchlist
Investing Reference
Price
31.60
Market Cap
39625.01
Debt/Equity
0.0000
ROE %
8.496
PB
1.2830
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 %
6.095
6M Return %
7.010
1Y Return %
-30.058
% Away 52W High
64.557
% Away 52W Low
17.866
Daily Volume
13782623
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 36/100 · 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.
AI Probability Statement
Probability Statement
UCO Bank is currently trading near a key support level, with the 50-day EMA indicating a bullish trend. If it breaks above the resistance level, there is potential for a significant upside. However, if it falls below the support, downside risks increase.
Upside Probability: 20% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
More Options
N
Narayana Hrudayalaya Ltd
Narayana Hrudayalaya Ltd shows potential for growth, but faces challenges in profitability and competition. Investors should monitor execution risks closely.
View details
T
Tata Elxsi Ltd
Tata Elxsi Ltd presents a decent investment opportunity with strong fundamentals and growth potential, though investors should remain cautious of execution risks.
View details
E
Exide Industries Ltd
Exide Industries Ltd shows potential in a growing sector, but faces challenges in profitability and valuation metrics.
View details
G
Global Health Ltd
Global Health Ltd shows potential for growth in a promising sector, but faces challenges in profitability and valuation metrics.
View details
P
Poonawalla Fincorp Ltd
Poonawalla Fincorp Ltd shows potential for growth but faces challenges in profitability and valuation metrics. Caution is advised.
View details
M
Metro Brands Ltd
Metro Brands Ltd shows decent growth potential but faces challenges in valuation and competition.
View details
C
Cholamandalam Financial Holdings Ltd
Cholamandalam Financial Holdings Ltd shows decent potential for growth, but faces challenges in profitability and valuation metrics.
View details
D
Delhivery Ltd
Delhivery Ltd shows potential in a growing sector, but faces challenges in profitability and valuation metrics.
View details
T
Tata Investment Corporation Ltd
Tata Investment Corporation Ltd shows potential but faces challenges in growth consistency and market execution.
View details
A
ACC Ltd
ACC Ltd shows potential for growth but faces challenges in profitability and valuation metrics.
View details
A
Apar Industries Ltd
Apar Industries Ltd shows potential for growth in a future-ready sector, but faces challenges in profitability and execution risks.
View details
3
3M India Ltd
3M India Ltd shows decent fundamentals with growth potential, but valuation concerns and execution risks should be monitored.
View details
K
KPR Mill Ltd
KPR Mill Ltd shows decent potential but faces challenges in profitability and execution risks. Investors should be cautious.
View details
K
KPIT Technologies Ltd
KPIT Technologies Ltd shows potential for growth in a future-ready sector, but faces challenges in valuation and execution risks.
View details
A
AWL Agri Business Ltd
AWL Agri Business Ltd presents a risky investment opportunity due to inconsistent growth and profitability metrics, coupled with high valuation ratios.
View details
I
IPCA Laboratories Ltd
IPCA Laboratories Ltd shows potential for growth, but investors should be cautious due to profitability inconsistencies and valuation concerns.
View details
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
-
8BusinessHighThe banking sector is essential and has a clear model, but UCO Bank lacks a strong competitive moat.
-
10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
-
10ProfitabilityHighROE and ROCE are below industry averages, and cash flow is not consistently strong.
-
9ValuationHighValuation metrics like P/E and P/B are slightly above peers, indicating potential overvaluation.
-
7BalanceHighDebt levels are manageable, but liquidity ratios could be improved.
-
6GovernanceGoodPromoter holding is moderate, but there are concerns about transparency in disclosures.
-
5DriversGoodGrowth drivers are limited, with execution risks in expanding market presence.
-
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