Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
UCO BankBOM:532505 -0.27%58 Return-on-Tangible-Equity is 7.80% as of Jun. 2026, which is 229% above its 10-year median of 2.37. GuruFocus rates BOM:532505 with a GF Score™ of 58/100 and a GF Value™ of ₹36.42 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,524 Banks companies, UCO Bank ranks worse than 66.14% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. UCO Bank's annualized net income for the quarter that ended in Jun. 2026 was ₹26,253 Mil. UCO Bank's average shareholder tangible equity for the quarter that ended in Jun. 2026 was ₹336,388 Mil. Therefore, UCO Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 7.80%.
The historical rank and industry rank for UCO Bank's Return-on-Tangible-Equity or its related term are showing as below:
BOM:532505'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -32.02 Med: 2.37 Max: 8.62
Current: 8.54
During the past 13 years, UCO Bank's highest Return-on-Tangible-Equity was 8.62%. The lowest was -32.02%. And the median was 2.37%.
BOM:532505's Return-on-Tangible-Equity is ranked worse than 66.14% of 1524
companies
in the Banks industry
Industry Median: 11.39
vs BOM:532505: 8.54
UCO Bank (BOM:532505) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
UCO Bank Return-on-Tangible-Equity Related Terms
UCO Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for UCO Bank's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, UCO Bank's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, UCO Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where UCO Bank's Return-on-Tangible-Equity falls into.
* 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 7.80% mean?
UCO Bank (BOM:532505) has a Return-on-Tangible-Equity of 7.80% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on UCO Bank and its competitors. This is 229% above median its historical median of 2.37. According to the industry distribution chart, UCO Bank ranks #1008 out of 1524 companies in the Banks industry, placing it in the top 66.1%.
Is UCO Bank's Return-on-Tangible-Equity too high?
UCO Bank's current Return-on-Tangible-Equity of 7.80% is 229% above median its 10-year median of 2.37. The Banks industry median Return-on-Tangible-Equity is 11.39. UCO Bank's value of 7.80% is 31.5% below this industry median. Based on the distribution chart, UCO Bank ranks #1008 out of 1524 companies in the Banks industry, which is below the industry midpoint. Overall, UCO Bank has a GF Score™ of 58/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does UCO Bank's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, UCO Bank ranks #1008 out of 1524 companies for Return-on-Tangible-Equity. This places UCO Bank in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.39. UCO Bank's value of 7.80% is 31.5% below this benchmark. While the company's 10-year median is 2.37 vs. the industry median of 11.39, UCO Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.39, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UCO Bank's current Return-on-Tangible-Equity of 7.80% is 31.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on UCO Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UCO Bank's current Return-on-Tangible-Equity is 7.80%, which is 229% above median its own 10-year median of 2.37. 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 (BOM:532505) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹36.42, compared to a current price of ₹25.99 — trading 28.6% below its estimated fair value. The current Return-on-Tangible-Equity is 7.80%, which is 229% above median its 10-year median of 2.37 and 31.5% below the Banks industry median of 11.39. UCO Bank's overall GF Score™ is 58/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For UCO Bank (BOM:532505), the current Return-on-Tangible-Equity is 7.80% 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 (BOM:532505) Overvalued in 2026?
Based on GuruFocus' analysis, UCO Bank stock appears to be undervalued.
The current stock price of ₹25.99 is trading 28.6% below its estimated GF Value™ of ₹36.42.
GuruFocus considers UCO Bank to be Modestly Undervalued.
Key valuation signals for BOM:532505:
Return-on-Tangible-Equity: 7.80% (229% above median its 10-year median of 2.37)
GF Value™: ₹36.42 vs. price of ₹25.99 (28.6% below fair value)
Industry Position: 31.5% below the Banks median (#1008 of 1524)
No single metric tells the full story. See the BOM:532505 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
58GF Score
Get the complete analysis for BOM:532505
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:532505 has been successfully added to your 
