BSE:532505

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Executive Summary

UCO Bank operates as a commercial bank in India. More Details


Snowflake Analysis

Adequate balance sheet with weak fundamentals.

Share Price & News

How has UCO Bank's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: 532505 has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

-7.4%

532505

-2.4%

IN Banks

-1.6%

IN Market


1 Year Return

-16.8%

532505

-26.3%

IN Banks

-2.2%

IN Market

Return vs Industry: 532505 exceeded the Indian Banks industry which returned -26.3% over the past year.

Return vs Market: 532505 underperformed the Indian Market which returned -2.2% over the past year.


Shareholder returns

532505IndustryMarket
7 Day-7.4%-2.4%-1.6%
30 Day-4.7%9.7%1.7%
90 Day-17.5%7.9%6.2%
1 Year-16.8%-16.8%-26.3%-26.3%-0.4%-2.2%
3 Year-66.6%-66.6%-41.3%-41.9%-4.4%-9.0%
5 Year-75.4%-75.4%-11.7%-13.6%40.4%29.8%

Price Volatility Vs. Market

How volatile is UCO Bank's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is UCO Bank undervalued compared to its fair value and its price relative to the market?

0.6x

Price to Book (PB) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate 532505's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate 532505's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: 532505 is unprofitable, so we can't compare its PE Ratio to the IN Banks industry average.

PE vs Market: 532505 is unprofitable, so we can't compare its PE Ratio to the Indian market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 532505's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: 532505's PB Ratio (0.6x) is in line with the IN Banks industry average.


Next Steps

Future Growth

How is UCO Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

20.9%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as UCO Bank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has UCO Bank performed over the past 5 years?

-9.9%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 532505 is currently unprofitable.

Growing Profit Margin: 532505 is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: 532505 is unprofitable, and losses have increased over the past 5 years at a rate of 9.9% per year.

Accelerating Growth: Unable to compare 532505's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: 532505 is unprofitable, making it difficult to compare its past year earnings growth to the Banks industry (4.6%).


Return on Equity

High ROE: 532505 has a negative Return on Equity (-4.62%), as it is currently unprofitable.


Next Steps

Financial Health

How is UCO Bank's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: 532505's Assets to Equity ratio (12.2x) is moderate.

Allowance for Bad Loans: Insufficient data to determine if 532505 has a sufficient allowance for bad loans.

Low Risk Liabilities: 91% of 532505's liabilities are made up of primarily low risk sources of funding.

Loan Level: 532505 has an appropriate level of Loans to Assets ratio (45%).

Low Risk Deposits: 532505's Loans to Deposits ratio (53%) is appropriate.

Level of Bad Loans: 532505 has a high level of bad loans (12.7%).


Next Steps

Dividend

What is UCO Bank current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate 532505's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate 532505's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 532505's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 532505's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: 532505 is not paying a notable dividend for the Indian market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of 532505's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

0.8yrs

Average management tenure


CEO

Atul Goel (56 yo)

1.83yrs

Tenure

₹3,065,000

Compensation

Mr. Atul Kumar Goel has been Managing Director, Chief Executive Officer and Director of UCO Bank since November 2, 2018. Mr. Goel is a Non-Executive Independent Director at New India Assurance Company Ltd. ...


Leadership Team

NamePositionTenureCompensationOwnership
Atul Goel
MD, CEO & Director1.83yrs₹3.07m0.00027%
₹ 310.9k
Ajay Vyas
Executive Director1.42yrs₹2.45mno data
Shashi Kumar
Deputy GM & CFO0.83yrno datano data
Ashutosh Sundaram
Deputy General Manager of Treasury & Investment0.75yrno datano data
S. Sankhayan
General Manager of Corporate Communication0.75yrno datano data
Manish Kumar
GM & Chief Compliance Officer1.75yrsno datano data
P. Manoj
General Manager of Law Department & Recovery Department0.75yrno datano data
Ankit Rana
Deputy General Manager of Marketing & Transaction Business Department0.75yrno datano data
Naresh Kumar
General Manager of Human Resource Managementno datano datano data
Dilip Mridha
Chief Risk Officer and GM of Risk Management & Capital Raising1.83yrsno datano data
Vijay Walia
Chief Vigilance Officerno datano datano data
Rajana Bose
Chief Vigilance Officer0.75yrno datano data

0.8yrs

Average Tenure

Experienced Management: 532505's management team is not considered experienced ( 0.8 years average tenure), which suggests a new team.


Board Members

NamePositionTenureCompensationOwnership
Atul Goel
MD, CEO & Director1.83yrs₹3.07m0.00027%
₹ 310.9k
Ajay Vyas
Executive Director1.42yrs₹2.45mno data
K. Nair
Shareholder Director2.83yrs₹405.00k0%
₹ 0
Asish Saha
Independent Part-Time Non-Official Director2.83yrs₹1.33mno data
Anand Madhukar
Government Nominee Director1.83yrsno datano data
Tuli Roy
Nominee Directorno datano datano data

1.8yrs

Average Tenure

57yo

Average Age

Experienced Board: 532505's board of directors are not considered experienced ( 1.8 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 34.7%.


Top Shareholders

Company Information

UCO Bank's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: UCO Bank
  • Ticker: 532505
  • Exchange: BSE
  • Founded: 1943
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: ₹115.152b
  • Shares outstanding: 9.92b
  • Website: https://www.ucobank.com

Number of Employees


Location

  • UCO Bank
  • 10, B. T. M. Sarani
  • Kolkata
  • West Bengal
  • 700001
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
532505BSE (Mumbai Stock Exchange)YesEquity SharesININROct 2003
UCOBANKNSEI (National Stock Exchange of India)YesEquity SharesININROct 2003

Biography

UCO Bank operates as a commercial bank in India. It accepts deposit products, such as current accounts, saving accounts, fixed deposits, recurring deposits, accounts in foreign currency, salary accounts, a ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/10/31 12:34
End of Day Share Price2020/10/30 00:00
Earnings2020/09/30
Annual Earnings2020/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.