ScoreWhy is UCO Bank ?
1
Strong lending practices with low Gross NPA ratio of 2.17%
2
Strong Long Term Fundamental Strength with a 75.33% CAGR growth in Net Profits
3
Healthy long term growth as Net profit has grown by an annual rate of 75.33%
4
The company has declared Positive results for the last 8 consecutive quarters
- GROSS NPA(Q) Lowest at 2.17%
- CREDIT DEPOSIT RATIO(HY) Highest at 78.69%
- PBDIT(Q) Highest at Rs 864.35 cr.
5
Stock is technically in a Bearish range
- The technical trend has deteriorated from Mildly Bearish on 12-May-26
- Multiple factors for the stock are Bearish like MACD, Bollinger Band and KST
6
With ROA of 0.7, it has a Very Attractive valuation with a 0.9 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -17.77%, its profits have risen by 13.2% ; the PEG ratio of the company is 1.4
7
Majority shareholders : Promoters
8
Below par performance in long term as well as near term
- Along with generating -17.77% returns in the last 1 year, the stock has also underperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to UCO Bank should be less than 10%
- Overall Portfolio exposure to Public Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Public Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is UCO Bank for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
UCO Bank
-6.75%
-0.63
28.17%
Sensex
-1.65%
-0.49
12.94%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
8.99%
Net Profit Growth (5y)
62.66%
Advance to Deposit
68.68%
Capital Adequacy Ratio (Tier 1)
14.80%
Gross NPA (latest)
2.08%
Gross NPA (avg)
3.99%
Coverage Ratio (avg)
78.17%
Cost to Income (avg)
54.34%
Net Interest Margin (avg)
2.94%
Operating Profit to Assets (avg)
3.85%
ROA (avg)
0.60%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Price to Book Value
0.96
PEG Ratio
0.92
Dividend Yield
1.53%
ROE (Latest)
8.28%
ROA (Latest)
0.70%
Net NPA to Book Value
1.99
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
No Trend
No Trend
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend21What is working for the Company
GROSS NPA(Q)
Lowest at 2.08%
CREDIT DEPOSIT RATIO(HY)
Highest at 80.58%
INTEREST EARNED(Q)
Highest at Rs 6,996.00 cr
PBDIT(Q)
Highest at Rs 1,123.30 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 16.06%
PBT LESS OI(Q)
Highest at Rs 888.69 cr.
NET NPA(Q)
Lowest at 0.25%
NII(Q)
Highest at Rs 2,808.36 cr
DPS(Y)
Highest at Rs 0.44
-6What is not working for the Company
OPERATING CF(Y)
Lowest at Rs -10,584.18 Cr
PAT(Q)
At Rs 656.32 cr has Fallen at -5.2% (vs previous 4Q average
NON-OPERATING INCOME(Q)
is 65.49 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for UCO Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 888.69 cr has Grown at 289.0% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 228.47 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Gross NPA - Quarterly
Lowest at 2.08% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Interest Earned - Quarterly
Highest at Rs 6,996.00 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 1,123.30 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 16.06% and Grown
each quarter in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 888.69 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Net NPA - Quarterly
Lowest at 0.25% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 2,808.36 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Credit Deposit Ratio - Half Yearly
Highest at 80.58% and Grown
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Dividend per Share (DPS) - Annually
Highest at Rs 0.44
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (Rs)
CAR - Quarterly
Highest at 19.03%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for UCO Bank
Operating Cash Flow - Annually
Lowest at Rs -10,584.18 Cr
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 656.32 cr has Fallen at -5.2% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 691.97 CrMOJO Watch
Near term PAT trend is negative
PAT (Rs Cr)
Non Operating Income - Quarterly
is 65.49 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Non Operating Income - Quarterly
Highest at Rs 1,686.24 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
