UCO Bank (NSE:UCOBANK) Cyclically Adjusted Book per Share: ₹45.55 (As of Jun. 2026)

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NSE:UCOBANK UCO Bank NSE:UCOBANK
63 GF Score
Price ₹23.72
GF Value ₹36.60
Valuation Significantly Undervalued
! 3 Warning Signs
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What is UCO Bank Cyclically Adjusted Book per Share?

UCO Bank NSE:UCOBANK -1.66% 63 Cyclically Adjusted Book per Share is ₹45.55 as of Jun. 2026. GuruFocus rates NSE:UCOBANK with a GF Score™ of 63/100 and a GF Value™ of ₹36.60 (Significantly Undervalued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

UCO Bank's adjusted book value per share for the three months ended in Jun. 2026 was ₹27.137. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is ₹45.55 for the trailing ten years ended in Jun. 2026.

During the past 12 months, UCO Bank's average Cyclically Adjusted Book Growth Rate was -19.00% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was -18.80% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was -16.90% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of UCO Bank was -9.50% per year. The lowest was -18.80% per year. And the median was -14.60% per year.

As of today (2026-09-16), UCO Bank's current stock price is ₹23.72. UCO Bank's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was ₹45.55. UCO Bank's Cyclically Adjusted PB Ratio of today is 0.52.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of UCO Bank was 1.02. The lowest was 0.08. And the median was 0.20.


UCO Bank  (NSE:UCOBANK) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

UCO Bank's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=23.72/45.545
=0.52

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of UCO Bank was 1.02. The lowest was 0.08. And the median was 0.20.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


UCO Bank Cyclically Adjusted Book per Share Related Terms


UCO Bank Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for UCO Bank's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

UCO Bank Cyclically Adjusted Book per Share Chart

UCO Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 95.42 85.19 72.53 58.23 44.71

UCO Bank Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Mar26 Jun26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 57.93 53.16 52.10 44.71 45.55

UCO Bank Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, UCO Bank's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


UCO Bank Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, UCO Bank's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where UCO Bank's Cyclically Adjusted PB Ratio falls into.


NSE:UCOBANK
63GF Score
UCO Bank NSE:UCOBANK
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

UCO Bank Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, UCO Bank's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=27.137/167.3573*167.3573
=27.137

Current CPI (Jun. 2026) = 167.3573.

UCO Bank Quarterly Data

Book Value per Share CPI Adj_Book
201509 120.945 101.753 198.923
201512 0.000 102.901 0.000
201603 116.419 102.518 190.050
201606 0.000 105.961 0.000
201609 89.595 105.961 141.508
201612 0.000 105.196 0.000
201703 81.767 105.196 130.084
201706 0.000 107.109 0.000
201709 61.758 109.021 94.804
201712 63.774 109.404 97.556
201803 64.801 109.786 98.782
201806 36.343 111.317 54.639
201809 33.708 115.142 48.994
201812 38.818 115.142 56.421
201903 32.067 118.202 45.402
201909 24.640 123.175 33.478
201912 19.962 126.235 26.465
202003 19.368 124.705 25.992
202006 19.473 127.000 25.661
202009 19.475 130.118 25.049
202012 19.591 130.889 25.049
202103 22.793 131.771 28.949
202106 19.011 134.084 23.729
202109 19.187 135.847 23.638
202112 19.463 138.161 23.576
202203 19.629 138.822 23.664
202206 19.796 142.347 23.274
202209 20.263 144.661 23.442
202212 20.925 145.763 24.025
202303 21.415 146.865 24.403
202306 21.549 150.280 23.998
202309 21.967 151.492 24.268
202312 22.438 152.924 24.556
202403 22.762 153.035 24.892
202406 22.647 155.789 24.329
202409 23.429 157.882 24.835
202412 23.839 158.323 25.199
202503 24.726 157.552 26.265
202603 26.515 164.272 27.013
202606 27.137 167.357 27.137

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of ₹45.55 mean?
UCO Bank (NSE:UCOBANK) has a Cyclically Adjusted Book per Share of ₹45.55 as of Jun. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on UCO Bank and its competitors.
Is UCO Bank's Cyclically Adjusted Book per Share too high?
UCO Bank's current Cyclically Adjusted Book per Share is ₹45.55. Overall, UCO Bank has a GF Score™ of 63/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does UCO Bank's Cyclically Adjusted Book per Share compare to competitors?
UCO Bank's Cyclically Adjusted Book per Share of ₹45.55 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on UCO Bank and its competitors. UCO Bank's current Cyclically Adjusted Book per Share is ₹45.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UCO Bank stock overvalued right now?
Based on GuruFocus' analysis, UCO Bank (NSE:UCOBANK) is currently considered Significantly Undervalued. The stock's GF Value™ is ₹36.60, compared to a current price of ₹23.72 — trading 35.2% below its estimated fair value. The current Cyclically Adjusted Book per Share is ₹45.55. UCO Bank's overall GF Score™ is 63/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For UCO Bank (NSE:UCOBANK), the current Cyclically Adjusted Book per Share is ₹45.55 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is UCO Bank (NSE:UCOBANK) Overvalued in 2026?

Based on GuruFocus' analysis, UCO Bank stock appears to be undervalued. The current stock price of ₹23.72 is trading 35.2% below its estimated GF Value™ of ₹36.60. GuruFocus considers UCO Bank to be Significantly Undervalued.

Key valuation signals for NSE:UCOBANK:

  • Cyclically Adjusted Book per Share: ₹45.55
  • GF Value™: ₹36.60 vs. price of ₹23.72 (35.2% below fair value)
  • GF Score™: 63/100 with 3 warning signs

No single metric tells the full story. See the NSE:UCOBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


UCO Bank Business Description

Other Exchanges 532505:India
Address Barbourne Road, No. 10, 7th Floor, B.T.M. Sarani, Kolkata, WB, IND, 700001
UCO Bank provides banking products and services. Its products include deposits, loans/advances, value added services, remittances, forex and treasury services, NRI corner, rural banking, internet banking, and government business. The business operations of the Bank are broadly classified into four segments: corporate /wholesale banking, retail banking, treasury, and other banking services. It derives majority of revenue from corporate /wholesale banking segment.
63GF Score

Get the complete analysis for NSE:UCOBANK

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹23.72
Price
₹36.60
GF Value