UCO Bank (UCOBANK) Fair Value & Analysis
Financial Services · IN · Market cap ₹338B
Fair value as of: Jul 3, 2026
From 17 valuation models · updated today
Share price +7.4% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹22.08 – ₹33.03 · fair‑value band ₹21.52 – ₹35.87 · the ₹26.96 price screens below the ₹28.69 fair value. As of Jul 3, 2026.
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UCO Bank (UCOBANK) currently trades at ₹26.96, while our model-based Fair Value estimate is ₹28.69 — implying the stock looks roughly 6.4% undervalued today. We read business quality at 39/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, UCO Bank generated revenue of ₹116B at a net margin of 23.9%. Revenue declined 12.6% year over year. It earns a return on equity of 8.6%. The balance sheet holds a net cash position of ₹5.7B. Fundamentals as of Jul 3, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.
About the company
UCO Bank provides various banking and financial services in India and internationally. The company's deposit products include current accounts, saving accounts, fixed deposits, recurring deposits, accounts in foreign currency, and fee collection accounts. It also offers agri, home, education, gold, personal, vehicle, and mortgage loans; finance to micro and small enterprises; working capital financing; term loans; infrastructure finance; and agriculture credit. In addition, the company provides life, health, and general insurance products; credit and debit cards; internet banking services; and international banking services, such as NRI banking, foreign currency loans, finance to exporters and importers, remittances, forex and treasury services, resident foreign currency deposits, and correspondent banking services to Indian customers, corporates, NRIs, overseas corporate bodies, foreign companies/individuals, and foreign banks. Further, it provides government deposit …
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
UCO Bank reported revenue of ₹284B in FY2026 versus ₹181B in FY2022, a compound +12.0%/yr. Reported net income was ₹27.7B in FY2026, compounding +31.4%/yr from FY2022.
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Similar stocks
6 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 3, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| HDFC Bank Limited HDFCBANK | ₹746.85 | ₹880.28 | +18% |
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| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,870 IDR | 5,740 IDR | +100% |
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| PT Bank Mandiri (Persero) Tbk BMRI | 4,260 IDR | 8,520 IDR | +100% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.