UCO Bank
Valuation (96/100) does the heavy lifting; momentum (18/100) is the drag.
Buy zoneStocksWizard rates UCO Bank a Buy, scoring 66/100 on our blended model. At ₹24.12 it trades below our blended DCF and relative-multiples fair value of ₹48.24, about 100% upside to that estimate — we read it as undervalued by 100%. On 11.8x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 27% below its 52-week high of ₹33.03 and 9% above the low of ₹22.08. Financial health scores 52/100, with a Piotroski F-score of 4/9. It clears 5 of 10 investability checks, with durability 65, valuation 91 and momentum 18 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹38.59. Low-confidence estimate — limited data.
1-year price
EOD · 2026-09-1452-week range
-26.97% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Buy66Piotroski F-score 4/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 8.5%
- No data: Low debt (D/E < 0.5)
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 53%
- Pass: Earnings growing: 8%
- Pass: Net margin ≥ 10%: 21.5%
- No data: Current ratio > 1.5
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Fail: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 4/9
Shareholding
- Promoter91.0%
- Institutions2.6%
- Public & other6.4%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (21.5%).
Opportunities
- Revenue growing (53% YoY).
- Trading in our value buy zone versus sector peers.
- Trades ~100% below our estimated fair value.
Bear case
Weaknesses
- Price below its 200-day moving average (downtrend).
About UCO Bank
UCO Bank offers deposit products including current and savings accounts, fixed and recurring deposits, foreign currency accounts, and fee collection accounts. The bank provides lending across multiple segments: agricultural, home, education, gold, personal, and vehicle loans, along with financing for micro and small enterprises, working capital, infrastructure projects, and agriculture credit.
UCO Bank — frequently asked questions
Is UCO Bank a buy, hold or sell?
StocksWizard currently rates UCO Bank (UCOBANK) a Buy, based on a blended score of 66/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is UCO Bank's fair value?
Our blended DCF and relative-valuation model estimates UCO Bank's fair value at about ₹48.24, versus a current price of ₹24.12 — roughly 100% upside. On that basis the stock looks undervalued by 100%.
Is UCO Bank financially healthy?
UCO Bank scores 52/100 on our financial-health model, with a Piotroski F-score of 4/9.
How has UCO Bank's share price performed?
UCO Bank is down 8% over three months, and last traded at ₹24.12. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.