UCO Bank
NSE: UCOBANK · Public Sector Bank
Snapshot
Unlock UCO Bank's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
UCO Bank is a public sector bank providing a comprehensive suite of banking and financial services, including deposits, retail and corporate loans, and international banking. Headquartered in Kolkata, it serves a diverse clientele ranging from individuals and micro-enterprises to large corporates and overseas entities.
Business Model
The bank generates revenue primarily through net interest income earned on loans and advances, supplemented by fee-based income from insurance, merchant banking, and forex services. It operates through an extensive network of domestic branches and international offices to facilitate retail and wholesale banking operations.
- Domestic Branches:3072
- Overseas Branches:2
Growth Outlook
Growth is driven by the expansion of digital banking services, increased penetration of retail and MSME credit, and the facilitation of international trade finance. The bank continues to focus on government-backed schemes and pension services to broaden its customer base.
Key Risks
- Asset Quality Risk. The bank faces potential volatility in earnings due to the risk of non-performing assets within its corporate and MSME loan portfolios.
- Interest Rate Risk. Fluctuations in interest rates can impact the net interest margin and the overall profitability of the bank's lending operations.
- Regulatory Risk. As a public sector entity, the bank is subject to stringent regulatory oversight and policy changes by the Reserve Bank of India and the government.
- Operational Risk. The bank is exposed to risks associated with cybersecurity threats and the integration of digital banking infrastructure across its extensive branch network.
Price
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Key Metrics
REVENUE
₹26,370 Cr
TTM · standalone
NET PROFIT
₹2,768 Cr
TTM · standalone
EPS
₹2.20
TTM · standalone
P/E
11.9x
Q4 FY26 · standalone
NET PROFIT MARGIN
11.1%
Q3 FY26 · standalone
Peers · Public Sector Bank
| Company | Mkt Cap (Cr) | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
UCO BankUCOBANK | 30,207 | 11.86 | — | 9.0% | — | 8.7% | — | -19.8% |
Bank of IndiaBANKINDIA | 67,083 | 6.33 | — | 7.9% | — | 12.2% | — | +21.4% |
Indian Overseas BankIOB | 62,757 | 12.15 | — | 14.4% | — | 15.0% | — | -14.8% |
Bank of MaharashtraMAHABANK | 48,764 | 8.71 | — | 17.4% | — | 22.4% | — | +38.7% |
Central Bank of IndiaCENTRALBK | 30,059 | 6.52 | — | 4.8% | — | 11.5% | — | -15.4% |
Punjab & Sind BankPSB | 15,674 | 13.29 | — | 8.1% | — | 8.1% | — | -24.7% |
As of Q3 FY26
Financials
UCO Bank
NSE: UCOBANK · Public Sector Bank
Snapshot
Unlock UCO Bank's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
UCO Bank is a public sector bank providing a comprehensive suite of banking and financial services, including deposits, retail and corporate loans, and international banking. Headquartered in Kolkata, it serves a diverse clientele ranging from individuals and micro-enterprises to large corporates and overseas entities.
Business Model
The bank generates revenue primarily through net interest income earned on loans and advances, supplemented by fee-based income from insurance, merchant banking, and forex services. It operates through an extensive network of domestic branches and international offices to facilitate retail and wholesale banking operations.
- Domestic Branches:3072
- Overseas Branches:2
Growth Outlook
Growth is driven by the expansion of digital banking services, increased penetration of retail and MSME credit, and the facilitation of international trade finance. The bank continues to focus on government-backed schemes and pension services to broaden its customer base.
Key Risks
- Asset Quality Risk. The bank faces potential volatility in earnings due to the risk of non-performing assets within its corporate and MSME loan portfolios.
- Interest Rate Risk. Fluctuations in interest rates can impact the net interest margin and the overall profitability of the bank's lending operations.
- Regulatory Risk. As a public sector entity, the bank is subject to stringent regulatory oversight and policy changes by the Reserve Bank of India and the government.
- Operational Risk. The bank is exposed to risks associated with cybersecurity threats and the integration of digital banking infrastructure across its extensive branch network.
Price
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Start your research today
Unlock AI insights, financials, peers and live data on UCO Bank and 5,000+ companies — free.
Key Metrics
REVENUE
₹26,370 Cr
TTM · standalone
NET PROFIT
₹2,768 Cr
TTM · standalone
EPS
₹2.20
TTM · standalone
P/E
11.9x
Q4 FY26 · standalone
NET PROFIT MARGIN
11.1%
Q3 FY26 · standalone
Peers · Public Sector Bank
As of Q3 FY26