UCO Bank Q3 FY26: Profit ₹739 Cr, NPA 2.4%

Stock snapshot: price, move, and market cap

UCO Bank’s share price was shown at around ₹26.92 on 21 April 2026, with the broader quote panel also indicating ₹26.94 and a move of ₹0.44 (1.66%) at 10:45. Another intraday snapshot in the same data set put the last traded price at ₹26.55 versus a previous close of ₹26.45, implying a 0.38% rise at that point. Such differences typically reflect timing and live market movement across updates.

Market capitalisation was listed at ₹33,229.83 crore as of 21 April 2026, while a separate “Key Metrics” panel showed ₹33,330.15 crore. For investors tracking valuation, the data set also shows a beta of 0.72 and a VWAP of ₹26.60. The 52-week high and low were indicated as ₹35.08 and ₹22.22.

Q3 FY26 headline: profit growth and income

The bank reported a standalone net profit of ₹739.51 crore for Q3 FY26, up 15.38% year-on-year, alongside a 1.6% rise in total income to ₹7,521.16 crore. Another performance note in the same information pack described net profit rising 15.76% to ₹739.51 crore versus ₹638.83 crore in the comparable quarter. Interest income was stated at ₹6,651.84 crore for the quarter, up from ₹6,219.96 crore.

UCO Bank also disclosed that net profit “surged 16%” to ₹739 crore in Q3, attributed to an 11% rise in net interest income. While the wording varies, the reported profit figure converges around ₹739 crore, providing a consistent reference point for the quarter.

Business growth: deposits, advances, and CASA

As of 31 December 2025, UCO Bank’s total business was reported at ₹5,53,680 crore, up 13.25% year-on-year. Gross advances increased 16.74% to ₹2,43,594 crore, and total deposits rose 10.64% to ₹3,10,086 crore. The bank’s CASA book stood at ₹1,12,083 crore, reflecting 11.49% year-on-year growth, and the CASA ratio was reported at 38.41%.

A separate metric line noted a CASA ratio of 38.48% and a credit-deposit (CD) ratio improving to 80.12%, while the detailed business update pegged the CD ratio at about 78.56% to 78.61% as of December 2025. These values together indicate that the bank’s deposit mix and loan-to-deposit deployment remained a key focus area through the period.

Margin and funding indicators in the disclosure

UCO Bank reported net interest margin (NIM) of 3.08% globally and 3.27% domestically. Cost of funds was stated to have improved by 27 basis points to 4.48% as of 31 December 2025. Yield on advances was reported at 8.06% at the same date.

Separately, the data set notes that the bank has expanded net interest margin on a continuous basis over the last three years, with margins of 2.65% in the last year under consolidated financials. Taken together, the disclosures show both near-term quarter metrics and a longer view of margin progression.

Asset quality and capital position

In the post-earnings call outcome note, UCO Bank said its non-performing assets ratio declined to 2.4%. The bank’s capital adequacy ratio was reported at 17.43% as of 31 December, improving from 16.25% in the same quarter of the prior year.

The bank also highlighted gross advances growth of about 17%, supported by expansion across retail, agriculture, and MSME loans. These figures were shared alongside quarterly earnings communication and are central to how investors interpret sustainability of earnings and balance-sheet quality.

Nine-month performance: profit, operating profit, and fee income

For the nine months ended 31 December 2025, operating profit grew 11.92% to ₹4,856 crore. Net profit for the nine-month period rose 9.70% to ₹1,967 crore. Net interest income increased 9.38% to ₹7,582 crore.

The bank reported return on assets (ROA) of 0.75% for the nine-month period and fee-based income growth of 22.46% to ₹1,216 crore. These numbers provide context beyond the quarterly print, especially for tracking operating leverage and non-interest income momentum.

Valuation and key market metrics versus sector

The “Key Metrics” panel showed a PE ratio of 12.65x, PB ratio of 1.07x (also shown as 1.08x in another table), and EPS (TTM) of ₹2.10. Dividend yield was shown at 1.47% (also indicated as 1.45% in a separate line). Book value per share was listed at ₹24.63, with face value at ₹10.

Sector comparison metrics in the same table put sector PE at 17.28x, sector PB at 2.40x, and sector dividend yield at 1.06%. Within the provided data, this positions UCO Bank at lower multiples than the sector set shown, while offering a dividend yield above the sector figure in that panel.

Dividend history: recent payouts and older entries

UCO Bank’s past cash dividend entries in the data include a final dividend of ₹0.39 per share with an ex-date of 9 May 2025, and a final dividend of ₹0.28 per share with an ex-date of 10 May 2024. Older entries shown include an interim dividend of ₹2.00 per share with an ex-date of 20 January 2014, and a final dividend of ₹1.00 per share with an ex-date of 24 June 2014.

Dividend yield at about 1.47% was repeatedly referenced in the market snapshot, linking dividend expectations to prevailing price and payout history.

Company updates: earnings call recording and board meeting items

An announcement under Regulation 30 (LODR) referenced the audio or video recording of a post-earnings call held on 20 January 2026. The disclosures also included board meeting intimation and outcomes related to approving unaudited financial results for the quarter and nine months ended 31 December 2025, with a board meeting date indicated as 17 January 2026.

For investors, these items matter because they frame how information was disseminated and confirm that the numbers were shared via exchange filings.

Key figures table

What the data implies for investors tracking the stock

The combined disclosures show a quarter where profit growth was supported by higher interest income and a reported rise in net interest income, alongside improving asset-quality metrics. Strong year-on-year growth in advances and deposits, plus a stable-to-improving CASA ratio around 38%, provides balance-sheet context for the earnings print.

On valuation, the data points to a PE near 12.65x and PB around 1.07x to 1.08x, with dividend yield around 1.47% based on the market snapshot. Investors will also typically watch the CD ratio range cited (about 78.56% to 80.12%) and funding indicators like cost of funds at 4.48%, as these often affect margins and profitability.

Conclusion

UCO Bank’s reported Q3 FY26 numbers highlight ₹739.51 crore profit, expanding advances and deposits, and improved ratios such as capital adequacy at 17.43% and an NPA ratio cited at 2.4%. With the stock trading near ₹27 in the 21 April 2026 snapshots and dividend yield around 1.47%, the next cues in this data set come from further exchange updates and scheduled disclosures following the board-approved results and earnings call communications.