UCO Bank Logo

UCO Bank

UCOBANK.NS

(2.0)
Stock Price

41,27 INR

0.6% ROA

7.46% ROE

27.13x PER

Market Cap.

543.161.080.000,00 INR

107.23% DER

0.62% Yield

10.4% NPM

UCO Bank Stock Analysis

UCO Bank Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

UCO Bank Fundamental Stock Analysis
# Analysis Rating
1 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

2 Net Profit Growth

This company's net profit has consistently grown over the last five years, indicating a strong financial performance and making it an attractive investment opportunity.

3 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

4 PBV

The stock's PBV ratio (1.97x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

5 DER

The stock has a reasonable amount of debt compared to its ownership (60%), suggesting a balanced financial position and a moderate level of risk.

6 ROE

The stock's ROE indicates a negative return (-1%) on shareholders' equity, suggesting poor financial performance.

7 ROA

The stock's ROA (-0.09%) indicates that it's not effectively utilizing its assets to generate profits, making it a less favorable option to invest and earn consistent returns.

8 Graham Number

Based on the Graham number, this company's stock price appears to be higher than its intrinsic value, signaling a potentially unfavorable investment choice.

9 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

10 Dividend

Investors should be cautious as the company hasn't distributed dividends in the last three years, possibly indicating financial challenges.

11 Buffet Intrinsic Value

The company's stock shows signs of being overvalued (-1.472) according to Warren Buffett's formula, indicating a potential downside as its market price exceeds its estimated intrinsic value.

UCO Bank Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

UCO Bank Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

UCO Bank Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

UCO Bank Revenue
Year Revenue Growth
2003 18.198.700.000
2004 19.219.345.000 5.31%
2005 19.398.051.000 0.92%
2006 21.373.287.000 9.24%
2007 22.597.978.000 5.42%
2008 26.646.008.000 15.19%
2009 32.900.534.000 19.01%
2010 47.702.768.000 31.03%
2011 48.667.454.000 1.98%
2012 55.684.403.000 12.6%
2013 70.489.028.000 21%
2014 74.866.118.000 5.85%
2015 65.414.947.000 -14.45%
2016 61.329.891.000 -6.66%
2017 39.436.006.000 -55.52%
2018 58.151.779.000 32.18%
2019 69.679.772.000 16.54%
2020 89.395.317.000 22.05%
2021 95.732.389.000 6.62%
2022 98.515.800.000 2.83%
2023 102.533.200.000 3.92%
2023 251.198.700.000 59.18%
2024 274.376.800.000 8.45%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

UCO Bank Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

UCO Bank General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 1.737.811.000
2004 2.022.936.000 14.09%
2005 2.459.788.000 17.76%
2006 2.862.319.000 14.06%
2007 628.686.000 -355.29%
2008 3.625.327.000 82.66%
2009 4.337.456.000 16.42%
2010 859.719.000 -404.52%
2011 752.003.000 -14.32%
2012 384.822.000 -95.42%
2013 409.081.000 5.93%
2014 404.505.000 -1.13%
2015 430.261.000 5.99%
2016 438.308.000 1.84%
2017 414.997.000 -5.62%
2018 433.181.000 4.2%
2019 467.654.000 7.37%
2020 514.950.000 9.18%
2021 409.360.000 -25.79%
2022 450.334.000 9.1%
2023 0 0%
2023 499.069.000 100%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

UCO Bank EBITDA
Year EBITDA Growth
2003 23.603.959.000
2004 27.318.537.000 13.6%
2005 33.077.450.000 17.41%
2006 41.516.391.000 20.33%
2007 56.177.802.000 26.1%
2008 71.221.222.000 21.12%
2009 83.768.595.000 14.98%
2010 87.037.468.000 3.76%
2011 121.729.569.000 28.5%
2012 127.069.425.000 4.2%
2013 137.910.050.000 7.86%
2014 150.698.431.000 8.49%
2015 93.894.248.000 -60.5%
2016 99.719.309.000 5.84%
2017 41.566.548.000 -139.9%
2018 58.352.767.000 28.77%
2019 -11.611.189.000 602.56%
2020 1.670.340.000 795.14%
2021 9.297.634.000 82.03%
2022 18.623.376.000 50.08%
2023 25.666.800.000 27.44%
2023 17.811.000.000 -44.11%
2024 173.600.000 -10159.79%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

UCO Bank Gross Profit
Year Gross Profit Growth
2003 18.198.700.000
2004 19.219.345.000 5.31%
2005 19.398.051.000 0.92%
2006 21.373.287.000 9.24%
2007 22.597.978.000 5.42%
2008 26.646.008.000 15.19%
2009 32.900.534.000 19.01%
2010 47.702.768.000 31.03%
2011 48.667.454.000 1.98%
2012 56.539.203.000 13.92%
2013 73.086.128.000 22.64%
2014 75.502.518.000 3.2%
2015 63.292.747.000 -19.29%
2016 59.863.391.000 -5.73%
2017 38.973.606.000 -53.6%
2018 58.151.779.000 32.98%
2019 69.679.772.000 16.54%
2020 89.395.317.000 22.05%
2021 95.732.389.000 6.62%
2022 98.515.800.000 2.83%
2023 88.850.000.000 -10.88%
2023 251.198.700.000 64.63%
2024 274.376.800.000 8.45%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

UCO Bank Net Profit
Year Net Profit Growth
2003 4.354.178.000
2004 3.456.488.000 -25.97%
2005 1.966.521.000 -75.77%
2006 3.160.989.000 37.79%
2007 4.121.563.000 23.31%
2008 5.577.158.000 26.1%
2009 10.121.859.000 44.9%
2010 9.065.404.000 -11.65%
2011 11.086.738.000 18.23%
2012 4.210.400.000 -163.32%
2013 12.969.940.000 67.54%
2014 6.937.395.000 -86.96%
2015 -27.992.574.000 124.78%
2016 -18.506.672.000 -51.26%
2017 -44.363.693.000 58.28%
2018 -43.210.829.000 -2.67%
2019 -24.368.289.000 -77.32%
2020 1.456.800.000 1772.73%
2021 9.297.634.000 84.33%
2022 18.262.851.000 49.09%
2023 16.141.600.000 -13.14%
2023 16.715.468.000 3.43%
2024 22.212.000.000 24.75%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

UCO Bank Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 6
2004 4 -50%
2005 2 -100%
2006 4 33.33%
2007 5 40%
2008 8 28.57%
2009 17 58.82%
2010 14 -21.43%
2011 15 6.67%
2012 6 -150%
2013 19 68.42%
2014 11 -72.73%
2015 -3 466.67%
2016 -2 -50%
2017 -5 60%
2018 -5 0%
2019 -3 -150%
2020 0 0%
2021 1 0%
2022 2 100%
2023 136 99.26%
2023 1 -13500%
2024 2 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

UCO Bank Free Cashflow
Year Free Cashflow Growth
2003 5.382.065.000
2004 21.902.180.000 75.43%
2005 -38.752.100.000 156.52%
2006 22.716.018.000 270.59%
2007 19.425.149.000 -16.94%
2008 24.125.724.000 19.48%
2009 -41.422.243.000 158.24%
2010 77.287.896.000 153.59%
2011 -31.072.628.000 348.73%
2012 -22.042.664.000 -40.97%
2013 33.370.062.000 166.06%
2014 76.849.143.000 56.58%
2015 -31.269.317.000 345.77%
2016 -39.926.684.000 21.68%
2017 -91.912.672.000 56.56%
2018 39.807.104.000 330.9%
2019 -108.016.379.000 136.85%
2020 22.578.364.000 578.41%
2021 41.826.429.000 46.02%
2022 26.945.700.000 -55.22%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

UCO Bank Operating Cashflow
Year Operating Cashflow Growth
2003 5.839.733.000
2004 22.479.203.000 74.02%
2005 -38.190.522.000 158.86%
2006 24.150.143.000 258.14%
2007 20.380.024.000 -18.5%
2008 25.005.678.000 18.5%
2009 -40.611.956.000 161.57%
2010 78.300.787.000 151.87%
2011 -30.185.717.000 359.4%
2012 -20.901.865.000 -44.42%
2013 35.736.334.000 158.49%
2014 78.613.619.000 54.54%
2015 -29.780.611.000 363.98%
2016 -38.515.976.000 22.68%
2017 -90.818.396.000 57.59%
2018 40.562.151.000 323.9%
2019 -106.584.159.000 138.06%
2020 24.220.959.000 540.05%
2021 43.986.615.000 44.94%
2022 29.829.100.000 -47.46%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

UCO Bank Capital Expenditure
Year Capital Expenditure Growth
2003 457.668.000
2004 577.023.000 20.68%
2005 561.578.000 -2.75%
2006 1.434.125.000 60.84%
2007 954.875.000 -50.19%
2008 879.954.000 -8.51%
2009 810.287.000 -8.6%
2010 1.012.891.000 20%
2011 886.911.000 -14.2%
2012 1.140.799.000 22.26%
2013 2.366.272.000 51.79%
2014 1.764.476.000 -34.11%
2015 1.488.706.000 -18.52%
2016 1.410.708.000 -5.53%
2017 1.094.276.000 -28.92%
2018 755.047.000 -44.93%
2019 1.432.220.000 47.28%
2020 1.642.595.000 12.81%
2021 2.160.186.000 23.96%
2022 2.883.400.000 25.08%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

UCO Bank Equity
Year Equity Growth
2003 18.010.923.000
2004 20.488.653.000 12.09%
2005 24.625.308.000 16.8%
2006 26.620.855.000 7.5%
2007 29.263.199.000 9.03%
2008 39.570.494.000 26.05%
2009 52.105.415.000 24.06%
2010 74.192.223.000 29.77%
2011 86.134.333.000 13.86%
2012 96.824.141.000 11.04%
2013 112.262.885.000 13.75%
2014 125.489.553.000 10.54%
2015 125.219.533.000 -0.22%
2016 127.534.705.000 1.82%
2017 149.571.812.000 14.73%
2018 173.910.526.000 13.99%
2019 192.096.241.000 9.47%
2020 226.064.135.000 15.03%
2021 234.687.404.000 3.67%
2022 257.645.100.000 8.91%
2023 262.631.100.000 1.9%
2023 272.137.900.000 3.49%
2024 270.771.300.000 -0.5%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

UCO Bank Assets
Year Assets Growth
2003 437.978.156.000
2004 545.894.564.000 19.77%
2005 618.393.977.000 11.72%
2006 748.638.955.000 17.4%
2007 897.949.379.000 16.63%
2008 1.116.641.678.000 19.58%
2009 1.373.194.902.000 18.68%
2010 1.633.984.532.000 15.96%
2011 1.804.983.991.000 9.47%
2012 1.986.513.993.000 9.14%
2013 2.391.247.535.000 16.93%
2014 2.459.169.097.000 2.76%
2015 2.448.825.314.000 -0.42%
2016 2.313.397.065.000 -5.85%
2017 2.160.561.768.000 -7.07%
2018 2.304.840.802.000 6.26%
2019 2.359.081.513.000 2.3%
2020 2.533.361.092.000 6.88%
2021 2.676.592.585.000 5.35%
2022 3.008.629.900.000 11.04%
2023 3.152.532.500.000 4.56%
2023 3.235.484.500.000 2.56%
2024 3.315.317.800.000 2.41%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

UCO Bank Liabilities
Year Liabilities Growth
2003 419.967.233.000
2004 525.405.911.000 20.07%
2005 593.768.669.000 11.51%
2006 722.018.100.000 17.76%
2007 868.686.180.000 16.88%
2008 1.077.071.184.000 19.35%
2009 1.321.089.487.000 18.47%
2010 1.559.792.309.000 15.3%
2011 1.718.849.658.000 9.25%
2012 1.889.689.852.000 9.04%
2013 2.278.984.650.000 17.08%
2014 2.333.679.544.000 2.34%
2015 2.323.605.781.000 -0.43%
2016 2.185.862.360.000 -6.3%
2017 2.010.989.956.000 -8.7%
2018 2.130.930.276.000 5.63%
2019 2.166.985.272.000 1.66%
2020 2.307.296.957.000 6.08%
2021 2.441.905.181.000 5.51%
2022 2.750.984.800.000 11.24%
2023 328.573.900.000 -737.25%
2023 2.963.346.600.000 88.91%
2024 3.044.546.500.000 2.67%

UCO Bank Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
16.11
Net Income per Share
1.67
Price to Earning Ratio
27.13x
Price To Sales Ratio
2.82x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
2.01
EV to Sales
2.76
EV Over EBITDA
16.6
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.04
FreeCashFlow Yield
0
Market Cap
543,16 Bil.
Enterprise Value
531,38 Bil.
Graham Number
29.21
Graham NetNet
-279.92

Income Statement Metrics

Net Income per Share
1.67
Income Quality
0
ROE
0.07
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.65
EBT Per Ebit
1.38
Ebit per Revenue
0.12
Effective Tax Rate
0.36

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.98
Operating Profit Margin
0.12
Pretax Profit Margin
0.16
Net Profit Margin
0.1

Dividends

Dividend Yield
0.01
Dividend Yield %
0.62
Payout Ratio
0
Dividend Per Share
0.28

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.03
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
-25,27
Book Value per Share
22,65
Tangible Book Value per Share
22.65
Shareholders Equity per Share
22.65
Interest Debt per Share
36.25
Debt to Equity
1.07
Debt to Assets
0.09
Net Debt to EBITDA
-0.37
Current Ratio
0
Tangible Asset Value
270,77 Bil.
Net Current Asset Value
-2.742,43 Bil.
Invested Capital
339931300000
Working Capital
302,12 Bil.
Intangibles to Total Assets
0
Average Receivables
44,86 Bil.
Average Payables
2,77 Bil.
Average Inventory
-95841636500
Debt to Market Cap
0.53

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

UCO Bank Dividends
Year Dividends Growth
2004 1
2005 1 100%
2007 1 0%
2008 1 0%
2009 1 0%
2010 2 0%
2011 3 66.67%
2012 3 0%
2013 2 -200%
2014 3 66.67%
2015 2 -50%
2024 0 0%

UCO Bank Profile

About UCO Bank

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.

CEO
Mr. Ashwani Kumar
Employee
21.456
Address
No. 10, BTM Sarani
Kolkata, 700001

UCO Bank Executives & BODs

UCO Bank Executives & BODs
# Name Age
1 Mr. Rajendra Kumar Saboo
Executive Director
70
2 Mr. Vijaykumar Nivrutti Kamble
Executive Director
70
3 Mr. Sourav Kumar Dutta
Chief Technology Officer
70
4 Mr. Vikash Gupta
Company Secretary & Compliance Officer
70
5 Mr. Saroj Ranjan Nayak
GM of Operation & Services Department
70
6 Mr. Dheeraj Patwardhan
General Manager of Recovery & Law Department
70
7 Mr. Satya Ranjan Panda
GM of Marketing & Wealth Management Department and Strategic Planning Department
70
8 Mr. Ashwani Kumar
MD, Chief Executive Officer & Director
70
9 Mr. Pradeep Kumar Jain
GM of General Administration Department, Corporate Communications & Central Security Department
70
10 Mr. Sujoy Dutta
Deputy GM & Chief Financial Officer
70

UCO Bank Competitors

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