UCO Bank
NSE: UCOBANKUCO Bank: A 30-second snapshot
UCO Bank (PSU) trades at ₹25.19, a PE of 11.4x — the lowest among the 6 peers tracked — with ROE of 8.63% and a profit margin of 23.86%. Q4 FY26 reported a 23% profit increase to ₹801 crore alongside a dividend declaration, yet the stock remains 17.7% lower over the past 12 months and 26.99% below its 52-week high, below both its 50-DMA and 200-DMA.
P/E
11.4
Forward P/E
—
ROE
+8.6%
Debt / Equity
—
Profit Margin
+23.9%
Div. Yield
+1.8%
5Y ROE > 15%
0/5
5Y FCF > 0
3/5
Quality
53/100
News
8 headlines · 3 positive · 0 negative
UCO Bank Q4 profit jumps 23% on lower provisions; margins dip - The Economic Times
The Economic Times
UCO Bank Q4 FY26 results: Profit jumps 23% to ₹801 cr, dividend declared - Business Standard
Business Standard
Minimum Alternate Tax Provisions u/s 115JB Inapplicable to Nationalised Banks Constituted Under Special Statute: ITAT Deletes ₹268.74 Cr Addition on UCO Bank [Read Order] - Taxscan
Taxscan
Uco Bank sees MSMEs steady amid global headwinds, eyes growth from retail loans - Mint
Mint
UCO Bank Schedules Post-Earnings Analyst Call for Q4FY26 Results on April 27, 2026 - scanx.trade
scanx.trade
Recent context
- ·Q4 FY26 results (April 2026): profit up 23% YoY to ₹801 crore, driven by lower provisions; net interest margin dipped, and management flagged MSME stability amid global headwinds while targeting retail loan growth.
- ·An ITAT ruling deleted a ₹268.74 crore addition related to Minimum Alternate Tax provisions, finding Section 115JB inapplicable to nationalised banks constituted under special statute — reducing a prior contingent liability.
- ·No sell-side analyst rating data is available for UCOBANK in the dataset, leaving the stock without an observable external consensus signal.
Strengths
- +PE of 11.4x is the lowest in the 6-peer Banking cohort (vs. HDFC Bank at 17.2x, Bajaj Finance at 29.8x), representing a 34–62% discount to most tracked peers.
- +5-year earnings growth of 14.9% indicates profit has expanded over the medium term even as the broader revenue base contracted.
- +Q4 FY26 net profit rose 23% YoY to ₹801 crore on lower provisions, with a dividend declared — signaling that management views capital allocation as supportable.
- +A dividened yield of 1.75% provides a modest income component, though absolute payout size is small at current price levels.
Weaknesses
- −ROE of 8.63% ranks 6th of 6 peers and has never crossed 15% in any year tracked, reflecting structurally lower return on equity versus private-sector peers.
- −5-year revenue growth of -12.6% indicates the top line has contracted over the medium term; profit growth in the absence of revenue growth raises questions about the sustainability of earnings trajectory.
- −Price is below both the 50-DMA (₹25.53) and 200-DMA (₹28.37), with a 26.99% drawdown from the 52-week high and a 3-month decline of 11.72% — sustained underperformance vs. its own recent history.
- −Quality score of 47 and consistency score of 42 with FCF positive in only 3 of available years point to uneven earnings quality relative to peers such as Axis Bank (quality score 53).
Open questions
- ?Does the 14.9% 5-year earnings growth reflect a structural improvement in underwriting and provisioning discipline, or is it primarily driven by cyclical provision reversals that may not persist?
- ?How does UCO Bank's net interest margin trend compare to peers given the margin dip flagged in Q4 FY26 — and what is management's stated path to margin recovery?
- ?At an ROE of 8.63% versus a cost of equity typically estimated at 12–15% for PSU banks, what conditions would need to materialize for the return profile to reach or sustain value-accretive levels?
- ?How has the capital adequacy ratio and gross NPA ratio trended over the past 4 quarters, and what is the current provision coverage relative to sector norms?
Peer comparison: Banking
Ranks 3 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| UCOBANK | UCO BankYou're viewing | 11.4 | +8.6% | 47 |
| Industry avg | across 5 peers | 31.7 | +14.2% | 39 |
| AXISBANK | Axis Bank Ltd. | 14.7 | +13.2% | 53 |
| BAJFINANCE | Bajaj Finance Ltd. | 29.8 | +17.9% | 53 |
| HDFCBANK | HDFC Bank Ltd. | 17.2 | +13.8% | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 28.4 | +14.6% | 23 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 68.5 | +11.3% | 20 |
Technical state
Current price
₹25.19
SMA 50
₹25.53
SMA 200
₹28.37
RSI (14)
41.9 (neutral)
From 52w high
-27.0%
1Y return
-17.7%
3M return
-11.7%
50-DMA
Below
200-DMA
Below
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- mediumROE of 8.63% has never exceeded 15% in any tracked year (roeYearsAbove15 = 0), placing UCO Bank last (6th of 6) among sector peers; Bajaj Finance (17.91%), HDFC Bank (13.82%), and Axis Bank (13.15%) all materially exceed this level.
- mediumPrice of ₹25.19 is below both the 50-DMA (₹25.53) and 200-DMA (₹28.37); down 17.7% over 12 months and 11.72% over 3 months, with a 26.99% drawdown from the 52-week high. A single support level at ₹21.86 is visible below current price.
- medium5-year revenue growth is -12.6% while 5-year earnings growth is +14.9% — top-line contraction alongside profit expansion. Whether this reflects cost reduction, provision reversals, or non-recurring items is not apparent from reported metrics alone.
- lowAnalyst rating and count are both null — either no sell-side coverage is available for this stock or there is a data pipeline gap.
- lowQuality score of 47 and consistency score of 42 with FCF positive in only 3 of available years indicate uneven earnings quality.
Cross-section contradictions
- 5-year earnings growth of +14.9% coexists with 5-year revenue contraction of -12.6%; the source of profit expansion without top-line growth warrants scrutiny.
- News sentiment registers positive (3 positive, 0 negative out of 8 articles) while the stock is down 17.7% over 12 months and 26.99% from its 52-week high.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 25 Jun 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 17 May 2026 · rotates through NIFTY 500 every ~5 days