by UCO Bank Share Price Target 2025, 2030, 2035, 2040, 2050: UCO Bank, one of India’s oldest public sector banks, provides comprehensive retail, corporate, and international banking solutions for individual, corporate, and international banking needs. Their deep presence throughout India makes UCO Bank an attractive option for anyone hoping to grow wealth within banking sector investments.
This article presents UCO Bank share price targets for 2025-2050 considering growth strategies, industry trends, and financial stability of the bank.
Explore UCO Bank share price targets for 2025-2050 to gain insights into its growth potential, risk factors, profit & loss data and long-term projections – ideal for investors interested in public sector banking stocks in India.
What is UCO Bank
UCO Bank, owned by the Government of India, provides multiple banking services including loans to businesses as well as individual home and personal loans as well as other banking products and services.
They provide international banking for people living abroad, foreign currency loans and money transfers as well as rural banking services for farmers and small businesses, both inside and outside India. It has branches both inside India as well as internationally; additionally it offers various kinds of loans including personal, education, gold loan home and car loan as well as government related services as well as an EMI calculator which assists customers with planning payments.
About UCO Bank Ltd.
UCO Bank was previously known as United Commercial Bank; today it’s the 10th-largest public sector bank by total assets in India and featured at number 1948 on Forbes Global 2000 list in 2018. UCO Bank Share Price Target 2025, 2030, 2035, 2040, 2050
UCO Bank made history again by reaching the 80th spot on Fortune India 500 list for 2020, recording total business of Rs 4.10 lakh crore with market cap at Rs 48 947 769 as at 2023 fiscal year end. UCO Bank Share Price Target 2025, 2030, 2035, 2040, 2050
UCO Bank stands out as the sole government-owned bank in East India with headquarters located at BTM Sarani in Kolkata and boasting over 4,000 service units and 44 zonal offices as of March 30, 2023. UCO Bank Share Price Target 2025, 2030, 2035, 2040, 2050
Furthermore, it operates two overseas branches in Singapore and Hong Kong.
UCO Bank stands out in the banking sector due to its expertise in supporting Rupee-Rial and Rupee-Ruble trade mechanisms between India, Iran and Russia respectively. This esteemed bank enjoys great significance.
Notably, they made history by opening the first-ever “lockless” branch at Shani Shinganapur in Maharashtra – showing respect to local beliefs and faith in Lord Shani.
UCO Bank RECENT SHARE PRICE GRAPH
UCO Bank Ltd. Company Profile
| Parameter | Value |
|---|---|
| Company Name | UCO Bank Ltd. |
| Formerly | United Commercial Bank |
| Company Type | Public |
| Traded As | NSE: UCOBANK, BSE: 532505 |
| ISIN | INE691A01018 |
| Industry | Banking, Financial services |
| Founded | 6 January 1943 (81 years ago) |
| Founder | G. D. Birla |
| Headquarters | UCO Bank Head Office, BTM Sarani, Kolkata, West Bengal, India |
| Number of Locations | India: 3,205 Branches, 2,564 ATMs International: 2 Branches in 2 countries |
| Area Served | Worldwide |
| Key People | Ashwani Kumar (MD & CEO) |
| Products | Consumer banking, Corporate banking, Finance and insurance, Investment banking, Mortgage loans, Wealth management |
| Revenue | ₹20,158.97 crore (US$2.5 billion) (2023) |
| Operating Income | ₹4,340.67 crore (US$540 million) (2023) |
| Net Income | ₹1,862.34 crore (US$230 million) (2023) |
| Total Assets | ₹300,862.98 crore (US$38 billion) (2023) |
| Total Equity | ₹25,603.70 crore (US$3.2 billion) (2023) |
| Number of Employees | 21,698 (March 2023) |
| Parent | Ministry of Finance (Government of India, 95.39%) |
| Subsidiaries | Paschim Banga Gramin Bank |
| Capital Ratio | 16.51% (2023) |
| Website | www.ucobank.com |
Market overview of UCO Bank Share Price
| Parameter | Value |
|---|---|
| Open | 43.25 |
| Previous Close | 43.07 |
| Volume | 8,592,601 |
| Value (Lacs) | 3,828.86 |
| VWAP | 44.29 |
| Beta | 1.69 |
| Market Cap (Rs. Cr.) | 53,275 |
| High | 45.12 |
| Low | 43.07 |
| Upper Circuit Limit | 51.68 |
| Lower Circuit Limit | 34.45 |
| 52 Week High | 70.65 |
| 52 Week Low | 38.01 |
| Face Value | 10 |
| All Time High | 152.40 |
| All Time Low | 8.40 |
| 20D Avg Volume | 6,200,944 |
| 20D Avg Delivery (%) | 22.79 |
| Book Value Per Share | 23.43 |
| Dividend Yield | 0.63 |
| TTM EPS | 3.32 (+134.79% YoY) |
| TTM PE | 13.42 (Low PE) |
| P/B | 1.91 (High P/B) |
| Sector PE | 10.62 |
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UCO Bank Share Price Target 2024
This bank typically offers loans and deposits, opens bank accounts, and generates profits. Their branches have been strategically situated throughout rural as well as urban areas; digitalization initiatives are underway within all branches for greater customer and owner benefits; company improvements mean its nearing an all-time high price – 95rs per share by 2024 is their target price goal! UCO Bank Share Price Target 2025, 2030, 2035, 2040, 2050
| Year | Minimum Price | Maximum Price |
| 2024 | 45 | 95 |
| Month (2024) | Minimum Target | Maximum Target |
| January | Rs 43 | Rs 51 |
| February | Rs 50 | Rs 53 |
| March | Rs 53 | Rs 55 |
| April | Rs 52 | Rs 57 |
| May | Rs 49 | Rs 53 |
| June | Rs 47 | Rs 55 |
| July | Rs 52 | Rs 58 |
| August | Rs 50 | Rs 57 |
| September | Rs 52 | Rs 57 |
| October | Rs 55 | Rs 62 |
| November | Rs 60 | Rs 68 |
| December | Rs 70 | Rs 95 |
UCO Bank Share Price Target 2025
In 2014, the company was facing hard times; their share price had been steadily dropping because of competition and poor money management practices. Finally, in 2022 they reached their all-time low mark but made changes that resulted in an increase in share value that took them soon back up towards all-time high price range. So for 2025 their price target will be set as Rs125 each share.
| Year | Minimum Price | Maximum Price |
| 2025 | 70 | 124 |
UCO Bank Share Price Target 2030
Improve customer service, upgrade branches with modern technologies, and strengthen in the market to draw in more people to this bank. Management plans on updating market systems and offering additional online services over time – possibly increasing price significantly as long-term prospects for this bank become brighter with every improvement it makes to customer services; target price expected by 2030? 370 Rs
| Year | Minimum Price | Maximum Price |
| 2030 | 290 | 370 |
UCO Bank Share Price Target 2040
UCO bank is managed by the government and thus you can trust this stock for long-term gains. If it continues with its current performance (2024), then UCO will yield greater returns over time. New technology has been introduced both to urban and rural areas; government management also bodes well; thus price target in 2040 would be set at Rs850/share.
| Year | Minimum Price | Maximum Price |
| 2040 | 700 | 850 |
UCO Bank Share Price Target 2050
UCO Bank’s long-term share price target could provide significant returns, given its success over the past 5 years – it rose 90% during this time and banks in India are expanding quickly thanks to government spending money on construction, sound policies and increased spending among its people; more people having more disposable income to buy things and easier bank lending practices make borrowing money from banks much simpler – giving investors confidence they should stick with this stock long term – its share price target for 2050 could reach as much as Rs1700/share!
| Year | Minimum Price | Maximum Price |
| 2050 | 1500 | 1700 |
Advantages and Disadvantages Of UCO Bank Share Price
Advantages
- Over the last five years, our Company has enjoyed outstanding compound annual profit growth of 19.0% compound annualized.
- Working capital requirements have decreased from 55.5 days to 12.9 days since July 2015.
Disadvantages
- Companies with low interest coverage ratios.
- Over the past five years, this company has experienced only modest sales growth at 8.81%.
- Company achieved an extremely low return on equity of 5.98% over three years.
- Contingent Liabilities of Rs 68,952 Cr.
- Companies could potentially save on interest costs by capitalizing their interest costs into assets.
Shareholding pattern of UCO Bank Share Price
| Shareholder Category | Mar 2024 |
|---|---|
| Promoters + | 95.39% |
| FIIs + | 0.02% |
| DIIs + | 1.32% |
| Public + | 3.25% |
| No. of Shareholders | 791,271 |
Peer comparison
- St Bank of India
- Bank of Baroda
- Punjab Natl. Bank
- I O B
- Canara Bank
- Union Bank
- Indian Bank
Quarterly Results
| Parameter | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3,720 | 3,919 | 3,773 | 3,851 | 4,185 | 4,627 | 4,987 | 5,224 | 5,219 | 5,552 | 5,860 | 6,024 | 6,078 |
| Interest | 2,122 | 2,157 | 2,120 | 2,202 | 2,415 | 2,675 | 3,015 | 3,215 | 3,302 | 3,564 | 3,672 | 3,770 | 3,778 |
| Expenses + | 2,218 | 1,690 | 1,757 | 1,402 | 1,766 | 1,754 | 2,025 | 2,295 | 1,924 | 2,072 | 2,507 | 2,227 | 2,355 |
| Financing Profit | -621 | 73 | -105 | 248 | 4 | 198 | -53 | -286 | -7 | -84 | -319 | 27 | -54 |
| Financing Margin % | -17% | 2% | -3% | 6% | 0% | 4% | -1% | -5% | -0% | -2% | -5% | 0% | -1% |
| Other Income + | 936 | 719 | 589 | -54 | 780 | 823 | 960 | 633 | 647 | 861 | 1,125 | 835 | 993 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 316 | 792 | 484 | 193 | 784 | 1,021 | 907 | 347 | 640 | 777 | 806 | 862 | 939 |
| Tax % | 35% | 61% | 36% | 36% | 36% | 36% | 36% | 36% | 37% | 35% | 35% | 36% | 36% |
| Net Profit + | 205 | 310 | 312 | 124 | 505 | 653 | 581 | 223 | 402 | 503 | 526 | 551 | 603 |
| EPS in Rs | 0.17 | 0.26 | 0.26 | 0.10 | 0.42 | 0.55 | 0.49 | 0.19 | 0.34 | 0.42 | 0.44 | 0.46 | 0.50 |
| Gross NPA % | 8.98% | 8.00% | 7.89% | 7.42% | 6.58% | 5.63% | 4.78% | 4.48% | 4.14% | 3.85% | 3.46% | 3.32% | 3.18% |
| Net NPA % | 3.37% | 2.81% | 2.70% | 2.49% | 1.99% | 1.66% | 1.29% | 1.18% | 1.11% | 0.98% | 0.89% | 0.78% | 0.73% |
Profit & Loss
| Parameter | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 16,752 | 18,230 | 19,359 | 18,561 | 16,326 | 14,020 | 14,331 | 15,134 | 14,446 | 14,981 | 17,651 | 21,854 | 23,514 |
| Interest | 12,170 | 12,171 | 13,797 | 13,713 | 12,509 | 10,895 | 10,019 | 10,042 | 8,966 | 8,508 | 10,307 | 13,754 | 14,785 |
| Expenses + | 4,800 | 5,546 | 5,849 | 10,768 | 6,789 | 8,521 | 12,753 | 11,539 | 8,845 | 7,658 | 6,729 | 8,517 | 9,160 |
| Financing Profit | -218 | 513 | -286 | -5,920 | -2,972 | -5,396 | -8,441 | -6,446 | -3,365 | -1,185 | 614 | -416 | -431 |
| Financing Margin % | -1% | 3% | -1% | -32% | -18% | -38% | -59% | -43% | -23% | -8% | 3% | -2% | -2% |
| Other Income + | 952 | 1,321 | 2,004 | 1,596 | 2,114 | 1,121 | 1,514 | 2,871 | 3,424 | 3,101 | 2,508 | 3,266 | 3,814 |
| Depreciation | 87 | 110 | 136 | 137 | 153 | 152 | 137 | 137 | 134 | 165 | 218 | 281 | 0 |
| Profit before tax | 647 | 1,724 | 1,582 | -4,460 | -1,011 | -4,427 | -7,065 | -3,713 | -75 | 1,750 | 2,905 | 2,569 | 3,384 |
| Tax % | 4% | 12% | 28% | -37% | 83% | 0% | -39% | -34% | -321% | 47% | 36% | 36% | |
| Net Profit + | 618 | 1,511 | 1,138 | -2,799 | -1,851 | -4,436 | -4,321 | -2,437 | 167 | 930 | 1,862 | 1,654 | 2,182 |
| EPS in Rs | 8.21 | 14.89 | 10.58 | -26.03 | -11.87 | -19.22 | -7.97 | -2.46 | 0.17 | 0.78 | 1.56 | 1.38 | 1.82 |
| Dividend Payout % | 19% | 20% | 19% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 20% |
Balance Sheet
| Parameter | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 753 | 1,015 | 1,076 | 1,076 | 1,560 | 2,308 | 5,423 | 9,918 | 9,918 | 11,956 | 11,956 | 11,956 |
| Reserves | 7,107 | 10,212 | 11,473 | 11,446 | 11,194 | 12,649 | 11,968 | 9,291 | 12,688 | 11,638 | 13,809 | 15,401 |
| Borrowings + | 184,746 | 220,252 | 224,589 | 224,359 | 210,819 | 194,299 | 206,230 | 208,898 | 221,302 | 237,581 | 269,839 | 288,461 |
| Other Liabilities + | 6,046 | 7,647 | 8,779 | 8,002 | 7,767 | 6,800 | 6,863 | 7,800 | 9,428 | 6,609 | 5,260 | 7,873 |
| Total Liabilities | 198,651 | 239,125 | 245,917 | 244,883 | 231,340 | 216,056 | 230,484 | 235,908 | 253,336 | 267,784 | 300,863 | 323,691 |
| Fixed Assets + | 879 | 1,018 | 1,066 | 2,878 | 2,843 | 2,867 | 2,814 | 2,832 | 3,151 | 3,287 | 3,444 | 3,717 |
| CWIP | 11 | 43 | 48 | 6 | 6 | 8 | 8 | 8 | 67 | 48 | 65 | 65 |
| Investments | 52,245 | 67,452 | 64,223 | 83,974 | 74,019 | 70,962 | 82,232 | 90,999 | 93,783 | 96,874 | 95,169 | 92,904 |
| Other Assets + | 145,517 | 170,611 | 180,580 | 158,024 | 154,471 | 142,219 | 145,430 | 142,069 | 156,335 | 167,575 | 202,184 | 227,006 |
| Total Assets | 198,651 | 239,125 | 245,917 | 244,883 | 231,340 | 216,056 | 230,484 | 235,908 | 253,336 | 267,784 | 300,863 | 323,691 |
Risk Factors
UCO Bank faces stiff competition from private sector banks offering advanced digital services.
Poor Loan Risk Management: Poorly managed non-performing assets could significantly decrease profitability if left unmanaged.
Economic Vulnerabilities: Economic downturns or regulatory changes could significantly erode banking operations and profitability.
Conclusion
As previously discussed, UCO bank offers many detailed facts. With low debt levels and government ownership of this institution, its stock has steadily moved in an upward trajectory over time. Furthermore, they implement many government schemes within this bank which makes their future even brighter in terms of long term prospects.
