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Kolkata-headquartered public sector bank providing retail, corporate and government banking services across India.
Kolkata-headquartered public sector bank providing retail, corporate and government banking services across India.
Earns interest on loans and government securities funded by deposits. The government owns the large majority and has injected capital after years of bad loans that led the central bank to restrict its lending under a prompt-corrective-action framework until 2021.
In one line: A mid-sized Indian PSU bank.
Moat: narrow (regulatory licence, distribution). Government ownership and a large branch network provide scale, though profitability trails private banks.
Headquarters: Kolkata, India · Founded: 1943 · Employees: 20,993
Size UCO Bank (UCOBANK.NS) is an India Financials company (Regional Banks) with a market value of $3.17B, the 279th largest of 1,058 India companies the cockpit tracks. Shares closed at ₹23.84 on 6 Nov 2026.
Performance Over six months the shares fell 12.6%, against -1.4% for the median peer and 0.0% for the India market (cap-weighted) — 3rd lowest of 21 in its peer set.
Growth Revenue grew 1.3% over the last twelve months (peer median +1.1%); the operating margin is 32.0% (peer median 36.5%).
Valuation It trades at 0.86× book value against a peer median of 1.08× (5th cheapest of 21).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | n/a | ₹298B | ₹294B | ₹249B | ₹207B |
| Revenue growth | — | +1% | +18% | +20% | — |
| Net income | n/a | ₹27.7B | ₹24.4B | ₹16.7B | ₹18.3B |
| Free cash flow | n/a | ₹87.4B | ₹85.7B | ₹72.5B | ₹35.9B |
| Capital expenditure | n/a | ₹5.93B | ₹3.72B | ₹3.54B | ₹2.88B |
| Total debt | ₹261B | ₹425B | ₹442B | ₹358B | ₹265B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| UCO Bank UCOBANK.NS | $3.17B | -13% | +1% | 9% | 0.86× | 13.6% |
| Punjab National Bank PNB.NS | $15.4B | +16% | +3% | 15% | 0.90× | 17.0% |
| Bank of India BANKINDIA.NS | $6.68B | -1% | +9% | 14% | 0.67× | 12.5% |
| Indian Bank INDIANB.NS | $12.9B | +5% | +12% | 16% | 1.40× | 18.5% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | UCOBANK.NS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +1.9% | +0.2% | 8th highest of 21 |
| 6-month return | -12.6% | -1.4% | 3rd lowest of 21 |
| Return on equity | 8.6% | 8.6% | 11th highest of 21 |
| Price / book | 0.86× | 1.08× | 5th cheapest of 21 |
| Trailing P/E | 10.8× | 11.8× | 5th cheapest of 18 |
| ROE the price implies | 13.6% | 8.1% | 3rd most demanding of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| UCO Bank UCOBANK.NS | India | $3.17B | -13% | +1% | 9% | 0.86× | 13.6% | n/a |
| Walliser Kantonalbank WKBN.SW | Switzerland | $3.15B | +4% | -12% | 5% | 1.50× | n/a | 5.3% |
| Bank of Guiyang 601997.SS | China | $3.20B | -3% | -5% | 7% | 0.32× | 2.0% | 6.9% |
| Seacoast Banking Corporation of Florida SBCF | United States | $3.24B | +8% | +29% | 7% | 1.25× | 10.9% | 6.8% |
| First Hawaiian FHB | United States | $3.04B | -9% | +1% | 10% | 1.08× | 9.3% | 9.9% |
| Cembra Money Bank CMBN.SW | Switzerland | $3.03B | -9% | -3% | 15% | 1.93× | 4.1% | 14.7% |
| TowneBank TOWN | United States | $3.36B | +4% | +36% | 13% | 1.08× | 9.0% | 12.9% |
| Taichung Commercial Bank 2812.TW | Taiwan | $3.38B | -12% | -13% | 11% | 1.16× | 3.9% | 11.2% |
| Mechanics Bancorp MCHB | United States | $3.41B | -1% | +131% | 10% | 1.33× | 14.8% | 10.2% |
| First Financial Bancorp FFBC | United States | $3.43B | +6% | +13% | 11% | 1.19× | 10.9% | 10.7% |
| Valiant VATN.SW | Switzerland | $2.93B | -9% | -11% | 6% | 0.86× | n/a | 5.8% |
| Nishi-Nippon Financial 7189.T | Japan | $3.47B | +3% | +28% | 8% | 0.88× | 6.9% | 7.8% |
| Jiangsu Changshu Rural Commercial Bank 601128.SS | China | $3.48B | -4% | -1% | 14% | 0.67× | 2.5% | 13.8% |
| BNK Financial 138930.KS | South Korea | $2.88B | -31% | +10% | 8% | 0.39× | 4.1% | n/a |
| First Interstate BancSystem FIBK | United States | $3.50B | +4% | -4% | 10% | 1.12× | 9.0% | 9.5% |
| Banc of California BANC | United States | $2.86B | -6% | -14% | 0% | 1.00× | 8.6% | -0.3% |
| Yamaguchi Financial 8418.T | Japan | $3.54B | +6% | +19% | 6% | 0.84× | 5.8% | 5.7% |
| Customers Bancorp CUBI | United States | $2.82B | +10% | +8% | 14% | 1.29× | 14.7% | 13.6% |
| Renasant RNST | United States | $3.55B | -2% | +20% | 9% | 0.93× | 9.5% | 8.7% |
| Twenty One Capital XXI | United States | $3.57B | -36% | n/a | -12% | 1.38× | 7.6% | n/a |
| Union Bank of Taiwan 2838.TW | Taiwan | $2.75B | +2% | -9% | 8% | 1.06× | 3.7% | 8.5% |