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UCO BANK vs BANK OF BARODA - Comparison Results

Rs 100 invested in...

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Current Valuations

    UCO BANK BANK OF BARODA UCO BANK/
BANK OF BARODA
 
P/E (TTM) x 23.3 6.2 375.6% View Chart
P/BV x 1.9 1.0 182.1% View Chart
Dividend Yield % 0.7 3.2 20.6%  

Financials

 UCO BANK   BANK OF BARODA
EQUITY SHARE DATA
    UCO BANK
Mar-24
BANK OF BARODA
Mar-24
UCO BANK/
BANK OF BARODA
5-Yr Chart
Click to enlarge
High Rs71286 24.7%   
Low Rs24165 14.7%   
Income per share (Unadj.) Rs18.3228.9 8.0%  
Earnings per share (Unadj.) Rs1.436.3 3.9%  
Cash flow per share (Unadj.) Rs5.480.0 6.7%  
Dividends per share (Unadj.) Rs0.287.60 3.7%  
Avg Dividend yield %0.63.4 17.5%  
Book value per share (Unadj.) Rs22.8231.5 9.8%  
Shares outstanding (eoy) m11,955.965,171.36 231.2%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.61.0 263.7%   
Avg P/E ratio x33.96.2 546.6%  
Avg P/CF ratio x12.33.1 401.6%  
Avg Price/Bookvalue ratio x2.11.0 214.1%  
Dividend payout %20.020.9 95.6%   
Avg Mkt Cap Rs m567,1911,165,108 48.7%   
No. of employees `000NANA-   
Total wages & salary Rs m48,867169,667 28.8%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m218,5431,183,792 18.5%  
Other income Rs m32,655233,995 14.0%   
Interest expense Rs m137,536698,991 19.7%   
Net interest income Rs m81,008484,801 16.7%  
Operating expense Rs m67,901343,368 19.8%   
Gross profit Rs m13,107141,433 9.3%  
Gross profit margin %6.011.9 50.2%  
Provisions/contingencies Rs m29,225191,332 15.3%   
Profit before tax Rs m25,689257,994 10.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-1,015 -0.0%   
Prior Period Items Rs m1784,592 3.9%   
Tax Rs m9,15173,897 12.4%   
Profit after tax Rs m16,716187,674 8.9%  
Net profit margin %7.615.9 48.2%  
BALANCE SHEET DATA
Advances Rs m1,820,21910,889,834 16.7%   
Deposits Rs m2,631,29813,518,018 19.5%  
Credit/Deposit ratio x69.280.6 85.9%  
Yield on advances %7.88.0 96.7%   
Cost of deposits %4.54.5 99.2%   
Net Interest Margin %2.93.2 91.0%  
Net fixed assets Rs m37,16680,358 46.3%   
Share capital Rs m119,56010,355 1,154.6%   
Free reserves Rs m152,5781,186,767 12.9%   
Net worth Rs m272,1381,197,122 22.7%   
Borrowings Rs m253,3141,019,591 24.8%   
Investments Rs m927,6144,071,363 22.8%   
Total assets Rs m3,235,48516,547,794 19.6%  
Debt/equity ratio x10.612.1 87.3%   
Return on assets %0.51.1 45.6%  
Return on equity %6.115.7 39.2%  
Capital adequacy ratio %17.016.3 104.1%  
Net NPAs %0.90.7 130.9%  
CASH FLOW
From Operations Rs m10,017-62,740 -16.0%  
From Investments Rs m-2,949-12,853 22.9%  
From Financial Activity Rs m-4,29554,757 -7.8%  
Net Cashflow Rs m2,973-20,835 -14.3%  

Share Holding

Indian Promoters % 95.4 64.0 149.1%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.3 26.5 5.1%  
FIIs % 0.0 9.9 0.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 4.6 36.0 12.8%  
Shareholders   773,466 1,711,548 45.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UCO BANK With:   HDFC BANK    AXIS BANK    SBI    ICICI BANK    KOTAK MAHINDRA BANK    


More on UCO Bank vs Bank of Baroda

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

UCO Bank vs Bank of Baroda Share Price Performance

Period UCO Bank Bank of Baroda S&P BSE BANKEX
1-Day 2.12% -1.76% 0.39%
1-Month -8.47% -3.46% -2.52%
1-Year 9.68% 19.98% 17.19%
3-Year CAGR 47.07% 37.70% 10.82%
5-Year CAGR 22.21% 19.12% 10.27%

* Compound Annual Growth Rate

Here are more details on the UCO Bank share price and the Bank of Baroda share price.

Moving on to shareholding structures...

The promoters of UCO Bank hold a 95.4% stake in the company. In case of Bank of Baroda the stake stands at 64.0%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of UCO Bank and the shareholding pattern of Bank of Baroda.

Finally, a word on dividends...

In the most recent financial year, UCO Bank paid a dividend of Rs 0.3 per share. This amounted to a Dividend Payout ratio of 20.0%.

Bank of Baroda paid Rs 7.6, and its dividend payout ratio stood at 20.9%.

You may visit here to review the dividend history of UCO Bank, and the dividend history of Bank of Baroda.

For a sector overview, read our banking sector report.



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