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UCO Bank
Buy, Hold or Sell?

Let's analyse UCO Bank together

PenkeI guess you are interested in UCO Bank. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of UCO Bank. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of UCO Bank (30 sec.)










What can you expect buying and holding a share of UCO Bank? (30 sec.)

How much money do you get?

How much money do you get?
INR0.00
When do you have the money?
1 year
How often do you get paid?
40.0%

What is your share worth?

Current worth
INR21.55
Expected worth in 1 year
INR29.23
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
INR7.68
Return On Investment
15.5%

For what price can you sell your share?

Current Price per Share
INR49.55
Expected price per share
INR47.30 - INR70.65
How sure are you?
50%

1. Valuation of UCO Bank (5 min.)




Live pricePrice per Share (EOD)

INR49.55

Intrinsic Value Per Share

INR6.09 - INR108.03

Total Value Per Share

INR27.64 - INR129.58

2. Growth of UCO Bank (5 min.)




Is UCO Bank growing?

Current yearPrevious yearGrowGrow %
How rich?$3b$2.8b$275.4m8.9%

How much money is UCO Bank making?

Current yearPrevious yearGrowGrow %
Making money$223.4m$111.5m$111.9m50.1%
Net Profit Margin18.9%9.7%--

How much money comes from the company's main activities?

3. Financial Health of UCO Bank (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of UCO Bank? (5 min.)

Welcome investor! UCO Bank's management wants to use your money to grow the business. In return you get a share of UCO Bank.

What can you expect buying and holding a share of UCO Bank?

First you should know what it really means to hold a share of UCO Bank. And how you can make/lose money.

Speculation

The Price per Share of UCO Bank is INR49.55. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of UCO Bank.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in UCO Bank, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is INR21.55. Based on the TTM, the Book Value Change Per Share is INR1.92 per quarter. Based on the YOY, the Book Value Change Per Share is INR0.72 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is INR0.00 per quarter.
Based on historical numbers we can estimate the returns while holding a share of UCO Bank.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 INR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per Share
Usd Eps0.020.0%0.020.0%0.010.0%-0.010.0%-0.010.0%
Usd Book Value Change Per Share0.020.0%0.020.0%0.010.0%0.020.0%0.020.0%
Usd Dividend Per Share0.000.0%0.000.0%0.030.1%0.010.0%0.000.0%
Usd Total Gains Per Share0.020.0%0.020.0%0.030.1%0.030.1%0.020.0%
Usd Price Per Share0.29-0.29-0.14-0.18-0.37-
Price to Earnings Ratio15.91-15.91-15.24-20.05-17.94-
Price-to-Total Gains Ratio12.66-12.66-4.09-7.16-52.45-
Price to Book Ratio1.13-1.13-0.60-0.83-2.68-
Price-to-Total Gains Ratio12.66-12.66-4.09-7.16-52.45-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share0.5946
Number of shares1681
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.01
Usd Book Value Change Per Share0.020.02
Usd Total Gains Per Share0.020.03
Gains per Quarter (1681 shares)38.7345.24
Gains per Year (1681 shares)154.94180.97
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1015514535146171
2031030070292352
30465455105438533
40620610140583714
50775765175729895
609309202118751076
701085107524610211257
801239123028111671438
901394138531613131619
1001549154035114591800

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%3.02.00.060.0%5.05.00.050.0%15.05.00.075.0%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%9.01.00.090.0%19.01.00.095.0%
Dividend per Share0.00.01.00.0%1.00.02.033.3%1.00.04.020.0%4.00.06.040.0%14.00.06.070.0%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%20.00.00.0100.0%

Fundamentals of UCO Bank

About UCO Bank

UCO Bank provides a range of banking and financial services in India and internationally. The company accepts deposit products, such as current accounts, saving accounts, salary accounts, fixed deposits, recurring deposits, accounts in foreign currency, salary accounts, and fee collection accounts. It also provides agri, home, education, gold, personal, vehicle, and mortgage loans; finance to micro and small enterprises; working capital financing; term loans; infrastructure finance; and agriculture credit. In addition, the company offers life, health, and general insurance products; credit and debit cards; internet banking services; and international banking services, including NRI banking, foreign currency loans, finance to exporters and importers, remittances, forex and treasury services, resident foreign currency deposits, and correspondent banking services to Indian customers, corporates, NRIs, overseas corporate bodies, foreign companies/individuals, and foreign banks. Further, it provides government deposit schemes/bonds, pension payments/schemes, and tax collection services; merchant banking; and mutual funds. The company was formerly known as The United Commercial Bank Ltd. and changed its name to UCO Bank in December 1985. UCO Bank was founded in 1943 and is headquartered in Kolkata, India.

Fundamental data was last updated by Penke on 2024-03-13 13:21:05.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating efficient.
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is fair priced.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of UCO Bank.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit UCO Bank earns for each ₹1 of revenue.

  • Above 10% is considered healthy but always compare UCO Bank to the Banks - Regional industry mean.
  • A Net Profit Margin of 18.9% means that ₹0.19 for each ₹1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of UCO Bank:

  • The MRQ is 18.9%. The company is making a huge profit. +2
  • The TTM is 18.9%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ18.9%TTM18.9%0.0%
TTM18.9%YOY9.7%+9.2%
TTM18.9%5Y-15.8%+34.7%
5Y-15.8%10Y-24.1%+8.3%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ18.9%18.4%+0.5%
TTM18.9%28.0%-9.1%
YOY9.7%25.2%-15.5%
5Y-15.8%22.8%-38.6%
10Y-24.1%19.8%-43.9%
1.1.2. Return on Assets

Shows how efficient UCO Bank is using its assets to generate profit.

  • Above 5% is considered healthy but always compare UCO Bank to the Banks - Regional industry mean.
  • 0.6% Return on Assets means that UCO Bank generated ₹0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of UCO Bank:

  • The MRQ is 0.6%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.6%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.6%TTM0.6%0.0%
TTM0.6%YOY0.3%+0.3%
TTM0.6%5Y-0.4%+1.0%
5Y-0.4%10Y-0.5%+0.1%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.6%0.1%+0.5%
TTM0.6%0.2%+0.4%
YOY0.3%0.2%+0.1%
5Y-0.4%0.2%-0.6%
10Y-0.5%0.2%-0.7%
1.1.3. Return on Equity

Shows how efficient UCO Bank is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare UCO Bank to the Banks - Regional industry mean.
  • 7.2% Return on Equity means UCO Bank generated ₹0.07 for each ₹1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of UCO Bank:

  • The MRQ is 7.2%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 7.2%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ7.2%TTM7.2%0.0%
TTM7.2%YOY4.0%+3.3%
TTM7.2%5Y-5.1%+12.4%
5Y-5.1%10Y-7.5%+2.4%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ7.2%1.4%+5.8%
TTM7.2%2.5%+4.7%
YOY4.0%2.7%+1.3%
5Y-5.1%2.5%-7.6%
10Y-7.5%2.8%-10.3%

1.2. Operating Efficiency of UCO Bank.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient UCO Bank is operating .

  • Measures how much profit UCO Bank makes for each ₹1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare UCO Bank to the Banks - Regional industry mean.
  • An Operating Margin of 16.7% means the company generated ₹0.17  for each ₹1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of UCO Bank:

  • The MRQ is 16.7%. The company is operating efficient. +1
  • The TTM is 16.7%. The company is operating efficient. +1
Trends
Current periodCompared to+/- 
MRQ16.7%TTM16.7%0.0%
TTM16.7%YOY8.0%+8.7%
TTM16.7%5Y20.9%-4.2%
5Y20.9%10Y90.2%-69.4%
1.2.2. Operating Ratio

Measures how efficient UCO Bank is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.57 means that the operating costs are ₹0.57 for each ₹1 in net sales.

Let's take a look of the Operating Ratio trends of UCO Bank:

  • The MRQ is 0.574. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.574. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.574TTM0.5740.000
TTM0.574YOY0.499+0.075
TTM0.5745Y0.619-0.045
5Y0.61910Y0.658-0.040

1.3. Liquidity of UCO Bank.

1.3. Liquidity
1.3.1. Current Ratio

Measures if UCO Bank is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 21.66 means the company has ₹21.66 in assets for each ₹1 in short-term debts.

Let's take a look of the Current Ratio trends of UCO Bank:

  • The MRQ is 21.658. The company is very able to pay all its short-term debts. +2
  • The TTM is 21.658. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ21.658TTM21.6580.000
TTM21.658YOY26.717-5.058
TTM21.6585Y27.763-6.105
5Y27.76310Y13.935+13.828
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM21.6580.124+21.534
YOY26.7170.225+26.492
5Y27.7630.219+27.544
10Y13.9350.131+13.804
1.3.2. Quick Ratio

Measures if UCO Bank is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare UCO Bank to the Banks - Regional industry mean.
  • A Quick Ratio of 23.44 means the company can pay off ₹23.44 for each ₹1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of UCO Bank:

  • The MRQ is 23.440. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 23.440. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ23.440TTM23.4400.000
TTM23.440YOY21.054+2.385
TTM23.4405Y26.512-3.072
5Y26.51210Y13.358+13.153

1.4. Solvency of UCO Bank.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of UCO Bank assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare UCO Bank to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.91 means that UCO Bank assets are financed with 91.4% credit (debt) and the remaining percentage (100% - 91.4%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of UCO Bank:

  • The MRQ is 0.914. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.914. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.914TTM0.9140.000
TTM0.914YOY0.912+0.002
TTM0.9145Y0.916-0.002
5Y0.91610Y0.931-0.015
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9140.915-0.001
TTM0.9140.917-0.003
YOY0.9120.919-0.007
5Y0.9160.919-0.003
10Y0.9310.927+0.004
1.4.2. Debt to Equity Ratio

Measures if UCO Bank is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare UCO Bank to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,067.7% means that company has ₹10.68 debt for each ₹1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of UCO Bank:

  • The MRQ is 10.677. The company is unable to pay all its debts with equity. -1
  • The TTM is 10.677. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ10.677TTM10.6770.000
TTM10.677YOY10.405+0.272
TTM10.6775Y10.964-0.287
5Y10.96410Y14.286-3.322
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ10.67710.829-0.152
TTM10.67711.013-0.336
YOY10.40511.363-0.958
5Y10.96411.437-0.473
10Y14.28613.038+1.248

2. Market Valuation of UCO Bank

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every ₹1 in earnings UCO Bank generates.

  • Above 15 is considered overpriced but always compare UCO Bank to the Banks - Regional industry mean.
  • A PE ratio of 15.91 means the investor is paying ₹15.91 for every ₹1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of UCO Bank:

  • The EOD is 32.439. Based on the earnings, the company is overpriced. -1
  • The MRQ is 15.908. Based on the earnings, the company is fair priced.
  • The TTM is 15.908. Based on the earnings, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD32.439MRQ15.908+16.530
MRQ15.908TTM15.9080.000
TTM15.908YOY15.238+0.670
TTM15.9085Y20.048-4.140
5Y20.04810Y17.938+2.110
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD32.4397.398+25.041
MRQ15.9086.680+9.228
TTM15.9085.295+10.613
YOY15.2386.943+8.295
5Y20.0489.770+10.278
10Y17.9389.943+7.995
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of UCO Bank:

  • The EOD is 21.986. Based on how much money comes from the company's main activities, the company is underpriced. +1
  • The MRQ is 10.782. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 10.782. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD21.986MRQ10.782+11.204
MRQ10.782TTM10.7820.000
TTM10.782YOY3.387+7.395
TTM10.7825Y4.928+5.854
5Y4.92810Y3.225+1.703
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD21.986-2.069+24.055
MRQ10.782-1.868+12.650
TTM10.782-0.342+11.124
YOY3.3876.448-3.061
5Y4.9280.429+4.499
10Y3.2250.091+3.134
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of UCO Bank is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 1.13 means the investor is paying ₹1.13 for each ₹1 in book value.

Let's take a look of the Price to Book Ratio trends of UCO Bank:

  • The EOD is 2.299. Based on the equity, the company is underpriced. +1
  • The MRQ is 1.128. Based on the equity, the company is underpriced. +1
  • The TTM is 1.128. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD2.299MRQ1.128+1.172
MRQ1.128TTM1.1280.000
TTM1.128YOY0.604+0.524
TTM1.1285Y0.834+0.294
5Y0.83410Y2.685-1.851
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD2.2990.427+1.872
MRQ1.1280.386+0.742
TTM1.1280.470+0.658
YOY0.6040.642-0.038
5Y0.8340.795+0.039
10Y2.6851.025+1.660
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of UCO Bank compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--1.9201.9200%0.721+166%1.808+6%1.345+43%
Book Value Per Share--21.54921.5490%19.629+10%18.140+19%14.424+49%
Current Ratio--21.65821.6580%26.717-19%27.763-22%13.935+55%
Debt To Asset Ratio--0.9140.9140%0.912+0%0.9160%0.931-2%
Debt To Equity Ratio--10.67710.6770%10.405+3%10.964-3%14.286-25%
Dividend Per Share----0%2.175-100%0.435-100%0.307-100%
Eps--1.5281.5280%0.778+96%-0.641+142%-0.859+156%
Free Cash Flow Per Share--2.2542.2540%3.498-36%0.387+482%-0.249+111%
Free Cash Flow To Equity Per Share--1.9731.9730%2.130-7%2.254-12%1.308+51%
Gross Profit Margin--0.9950.9950%0.993+0%0.993+0%0.992+0%
Intrinsic Value_10Y_max--108.034--------
Intrinsic Value_10Y_min--6.094--------
Intrinsic Value_1Y_max--4.341--------
Intrinsic Value_1Y_min---0.032--------
Intrinsic Value_3Y_max--17.986--------
Intrinsic Value_3Y_min--0.459--------
Intrinsic Value_5Y_max--37.589--------
Intrinsic Value_5Y_min--1.557--------
Market Cap592419787315.200+51%290530793779.200290530793779.2000%141678596966.400+105%179339996160.000+62%368723032104.960-21%
Net Profit Margin--0.1890.1890%0.097+95%-0.158+184%-0.241+228%
Operating Margin--0.1670.1670%0.080+109%0.209-20%0.902-81%
Operating Ratio--0.5740.5740%0.499+15%0.619-7%0.658-13%
Pb Ratio2.299+51%1.1281.1280%0.604+87%0.834+35%2.685-58%
Pe Ratio32.439+51%15.90815.9080%15.238+4%20.048-21%17.938-11%
Price Per Share49.550+51%24.30024.3000%11.850+105%15.000+62%30.840-21%
Price To Free Cash Flow Ratio21.986+51%10.78210.7820%3.387+218%4.928+119%3.225+234%
Price To Total Gains Ratio25.805+51%12.65512.6550%4.092+209%7.161+77%52.453-76%
Quick Ratio--23.44023.4400%21.054+11%26.512-12%13.358+75%
Return On Assets--0.0060.0060%0.003+78%-0.004+161%-0.005+182%
Return On Equity--0.0720.0720%0.040+82%-0.051+171%-0.075+204%
Total Gains Per Share--1.9201.9200%2.896-34%2.243-14%1.652+16%
Usd Book Value--3091741200.0003091741200.0000%2816248848.000+10%2602568174.400+19%2069378272.800+49%
Usd Book Value Change Per Share--0.0230.0230%0.009+166%0.022+6%0.016+43%
Usd Book Value Per Share--0.2590.2590%0.236+10%0.218+19%0.173+49%
Usd Dividend Per Share----0%0.026-100%0.005-100%0.004-100%
Usd Eps--0.0180.0180%0.009+96%-0.008+142%-0.010+156%
Usd Free Cash Flow--323348400.000323348400.0000%501917148.000-36%55538923.200+482%-35697900.000+111%
Usd Free Cash Flow Per Share--0.0270.0270%0.042-36%0.005+482%-0.003+111%
Usd Free Cash Flow To Equity Per Share--0.0240.0240%0.026-7%0.027-12%0.016+51%
Usd Market Cap7109037447.782+51%3486369525.3503486369525.3500%1700143163.597+105%2152079953.920+62%4424676385.260-21%
Usd Price Per Share0.595+51%0.2920.2920%0.142+105%0.180+62%0.370-21%
Usd Profit--223480512.000223480512.0000%111571608.000+100%-91683139.200+141%-130988294.400+159%
Usd Revenue--1182189600.0001182189600.0000%1148788668.000+3%987540136.800+20%866632136.400+36%
Usd Total Gains Per Share--0.0230.0230%0.035-34%0.027-14%0.020+16%
 EOD+4 -4MRQTTM+0 -0YOY+19 -175Y+24 -1210Y+28 -8

3.2. Fundamental Score

Let's check the fundamental score of UCO Bank based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1532.439
Price to Book Ratio (EOD)Between0-12.299
Net Profit Margin (MRQ)Greater than00.189
Operating Margin (MRQ)Greater than00.167
Quick Ratio (MRQ)Greater than123.440
Current Ratio (MRQ)Greater than121.658
Debt to Asset Ratio (MRQ)Less than10.914
Debt to Equity Ratio (MRQ)Less than110.677
Return on Equity (MRQ)Greater than0.150.072
Return on Assets (MRQ)Greater than0.050.006
Total5/10 (50.0%)

3.3. Technical Score

Let's check the technical score of UCO Bank based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5041.767
Ma 20Greater thanMa 5053.663
Ma 50Greater thanMa 10053.099
Ma 100Greater thanMa 20046.280
OpenGreater thanClose50.900
Total4/5 (80.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2019-03-312020-03-312021-03-312022-03-312023-03-31
Retained Earnings  -99,754,540-25,619,434-125,373,974-1,196,353-126,570,327126,289,916-280,41114,858,03814,577,627



Latest Balance Sheet

Balance Sheet of 2023-03-31. Currency in INR. All numbers in thousands.

Summary
Total Assets3,008,629,900
Total Liabilities2,750,984,800
Total Stockholder Equity257,645,100
 As reported
Total Liabilities 2,750,984,800
Total Stockholder Equity+ 257,645,100
Total Assets = 3,008,629,900

Assets

Total Assets3,008,629,900
Total Current Assets193,423,176
Long-term Assets35,095,093
Total Current Assets
Cash And Cash Equivalents 287,281,000
Short-term Investments -93,857,824
Net Receivables 109,764,999
Inventory -417,792,177
Other Current Assets 308,027,178
Total Current Assets  (as reported)193,423,176
Total Current Assets  (calculated)193,423,176
+/-0
Long-term Assets
Property Plant Equipment 35,095,100
Long Term Investments 951,693,500
Intangible Assets 757,200
Long-term Assets Other -1,034,541,807
Long-term Assets  (as reported)35,095,093
Long-term Assets  (calculated)-46,996,007
+/- 82,091,100

Liabilities & Shareholders' Equity

Total Current Liabilities8,930,607
Long-term Liabilities23,110,000
Total Stockholder Equity257,645,100
Total Current Liabilities
Short-term Debt 183,702,227
Accounts payable 8,930,607
Other Current Liabilities -8,930,607
Total Current Liabilities  (as reported)8,930,607
Total Current Liabilities  (calculated)183,702,227
+/- 174,771,620
Long-term Liabilities
Long term Debt Total 205,010,800
Capital Lease Obligations Min Short Term Debt-183,702,227
Long-term Liabilities  (as reported)23,110,000
Long-term Liabilities  (calculated)21,308,573
+/- 1,801,427
Total Stockholder Equity
Common Stock119,559,600
Retained Earnings 14,577,627
Accumulated Other Comprehensive Income 85,642,645
Capital Surplus 36,257,103
Total Stockholder Equity (as reported)257,645,100
Total Stockholder Equity (calculated)256,036,975
+/- 1,608,125
Other
Capital Stock119,559,600
Cash and Short Term Investments 193,423,176
Common Stock Shares Outstanding 11,955,958
Current Deferred Revenue-174,771,620
Liabilities and Stockholders Equity 3,008,629,900
Net Debt -82,270,200
Net Invested Capital 462,655,900
Net Tangible Assets 256,036,957
Net Working Capital 184,492,569
Property Plant and Equipment Gross 58,741,249
Short Long Term Debt Total 205,010,800



Balance Sheet

Currency in INR. All numbers in thousands.

 Trend2023-03-312022-03-312021-03-312020-03-312019-03-312018-03-312017-03-312016-03-312015-03-312014-03-312013-03-312012-03-312011-03-312010-03-312009-03-312008-03-312007-03-312006-03-312005-03-312004-03-31
> Total Assets 
437,978,156
545,894,564
618,393,977
748,638,955
897,949,379
1,116,641,678
1,373,194,902
1,633,984,532
1,804,983,991
1,986,513,993
2,391,247,535
2,459,169,097
2,448,825,314
2,313,397,065
2,160,561,768
2,304,840,802
2,359,081,513
2,533,361,092
2,676,592,585
3,008,629,900
3,008,629,9002,676,592,5852,533,361,0922,359,081,5132,304,840,8022,160,561,7682,313,397,0652,448,825,3142,459,169,0972,391,247,5351,986,513,9931,804,983,9911,633,984,5321,373,194,9021,116,641,678897,949,379748,638,955618,393,977545,894,564437,978,156
   > Total Current Assets 
0
0
0
0
0
0
0
0
0
0
184,666,703
259,848,538
229,900,472
223,427,874
188,010,055
344,198,802
119,528,531
149,644,564
167,771,535
193,423,176
193,423,176167,771,535149,644,564119,528,531344,198,802188,010,055223,427,874229,900,472259,848,538184,666,7030000000000
       Cash And Cash Equivalents 
41,876,596
65,143,499
33,432,253
62,145,319
81,035,213
108,534,453
81,043,308
169,804,318
136,036,846
123,441,155
150,120,110
221,689,687
185,592,325
180,998,831
147,480,361
244,320,990
178,061,584
236,002,439
261,479,910
287,281,000
287,281,000261,479,910236,002,439178,061,584244,320,990147,480,361180,998,831185,592,325221,689,687150,120,110123,441,155136,036,846169,804,31881,043,308108,534,45381,035,21362,145,31933,432,25365,143,49941,876,596
       Net Receivables 
0
0
0
0
0
0
0
0
0
165,095,620
324,103,677
325,423,448
213,867,919
200,727,156
133,321,623
99,877,812
78,212,840
56,110,317
58,150,575
109,764,999
109,764,99958,150,57556,110,31778,212,84099,877,812133,321,623200,727,156213,867,919325,423,448324,103,677165,095,620000000000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
109,658,982
115,469,244
117,969,673
123,974,235
115,417,471
119,287,045
217,687,596
251,720,021
278,037,145
308,027,178
308,027,178278,037,145251,720,021217,687,596119,287,045115,417,471123,974,235117,969,673115,469,244109,658,9820000000000
   > Long-term Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
850,540,061
28,403,728
32,182,324
33,349,212
35,095,093
35,095,09333,349,21232,182,32428,403,728850,540,061000000000000000
       Property Plant Equipment 
3,853,382
4,008,502
6,084,345
6,666,995
6,843,359
7,191,314
7,100,382
7,388,715
8,015,498
8,895,939
10,617,582
11,139,990
28,846,374
28,494,769
28,751,020
28,223,143
28,403,728
32,182,324
33,349,212
35,095,100
35,095,10033,349,21232,182,32428,403,72828,223,14328,751,02028,494,76928,846,37411,139,99010,617,5828,895,9398,015,4987,388,7157,100,3827,191,3146,843,3596,666,9956,084,3454,008,5023,853,382
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
674,516,939
642,230,475
839,742,044
740,191,240
709,621,470
822,316,918
909,988,130
937,829,500
967,490,500
951,693,500
951,693,500967,490,500937,829,500909,988,130822,316,918709,621,470740,191,240839,742,044642,230,475674,516,9390000000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
336,400
262,600
386,400
757,200
757,200386,400262,600336,4000000000000000000
       Earning Assets 
0
0
0
0
0
0
0
0
0
0
0
0
972,735,352
766,422,469
771,400,124
973,393,016
1,016,222,531
937,829,500
0
0
00937,829,5001,016,222,531973,393,016771,400,124766,422,469972,735,352000000000000
> Total Liabilities 
419,967,233
525,405,911
593,768,669
722,018,100
868,686,180
1,077,071,184
1,321,089,487
1,559,792,309
1,718,849,658
1,889,689,852
2,278,984,650
2,333,679,544
2,323,605,781
2,185,862,360
2,010,989,956
2,130,930,276
2,166,985,272
2,307,296,957
2,441,905,181
2,750,984,800
2,750,984,8002,441,905,1812,307,296,9572,166,985,2722,130,930,2762,010,989,9562,185,862,3602,323,605,7812,333,679,5442,278,984,6501,889,689,8521,718,849,6581,559,792,3091,321,089,4871,077,071,184868,686,180722,018,100593,768,669525,405,911419,967,233
   > Total Current Liabilities 
0
0
0
0
0
0
0
0
0
0
2,005,531,632
2,153,921,063
2,079,958,823
2,021,275,084
1,826,848,880
6,900,595
7,526,967
6,063,378
6,279,631
8,930,607
8,930,6076,279,6316,063,3787,526,9676,900,5951,826,848,8802,021,275,0842,079,958,8232,153,921,0632,005,531,6320000000000
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
207,182,377
102,525,400
172,404,358
95,349,620
55,754,400
37,236,786
84,170,000
122,340,000
117,668,461
183,702,227
183,702,227117,668,461122,340,00084,170,00037,236,78655,754,40095,349,620172,404,358102,525,400207,182,3770000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
207,182,377
102,525,400
172,404,358
95,349,620
55,754,400
37,236,786
0
0
0
0
000037,236,78655,754,40095,349,620172,404,358102,525,400207,182,3770000000000
       Accounts payable 
2,559,240
2,798,274
2,521,411
2,905,802
0
2,316,432
2,555,145
0
0
8,056,206
8,592,178
9,399,557
7,842,770
7,559,432
7,529,442
6,900,595
7,526,967
6,063,378
6,279,631
8,930,607
8,930,6076,279,6316,063,3787,526,9676,900,5957,529,4427,559,4327,842,7709,399,5578,592,1788,056,206002,555,1452,316,43202,905,8022,521,4112,798,2742,559,240
       Other Current Liabilities 
0
0
0
0
0
0
0
0
0
0
1,603,973
1,154,427
933,638
870,540
826,639
-6,900,595
-7,526,967
-6,063,378
-6,279,631
-8,930,607
-8,930,607-6,279,631-6,063,378-7,526,967-6,900,595826,639870,540933,6381,154,4271,603,9730000000000
   > Long-term Liabilities 
3,863,679
2,995,827
13,527,914
24,658,618
17,159,494
51,374,167
62,638,405
54,747,738
61,864,220
66,886,208
118,066,350
88,289,827
81,547,996
91,720,160
80,889,258
74,558,228
72,780,000
31,500,000
19,730,000
23,110,000
23,110,00019,730,00031,500,00072,780,00074,558,22880,889,25891,720,16081,547,99688,289,827118,066,35066,886,20861,864,22054,747,73862,638,40551,374,16717,159,49424,658,61813,527,9142,995,8273,863,679
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
172,404,358
95,349,620
124,492,619
83,236,786
156,950,621
153,826,323
135,081,442
205,010,800
205,010,800135,081,442153,826,323156,950,62183,236,786124,492,61995,349,620172,404,358000000000000
       Other Liabilities 
0
0
0
0
0
0
0
0
0
0
66,270,641
77,233,081
71,242,600
69,237,656
59,648,457
61,006,103
66,138,128
83,130,737
53,737,965
38,272,940
38,272,94053,737,96583,130,73766,138,12861,006,10359,648,45769,237,65671,242,60077,233,08166,270,6410000000000
> Total Stockholder Equity
18,010,923
20,488,653
24,625,308
26,620,855
29,263,199
39,570,494
52,105,415
74,192,223
86,134,333
96,824,141
112,262,885
125,489,553
125,219,533
127,534,705
149,571,812
173,910,526
192,096,241
226,064,135
234,687,404
257,645,100
257,645,100234,687,404226,064,135192,096,241173,910,526149,571,812127,534,705125,219,533125,489,553112,262,88596,824,14186,134,33374,192,22352,105,41539,570,49429,263,19926,620,85524,625,30820,488,65318,010,923
   Common Stock
7,993,600
7,993,600
7,993,600
7,993,600
7,993,600
12,493,600
16,993,600
24,505,175
24,877,122
7,526,286
10,147,092
10,755,917
10,755,917
15,597,282
23,081,571
54,233,982
99,183,406
99,183,406
119,559,582
119,559,600
119,559,600119,559,58299,183,40699,183,40654,233,98223,081,57115,597,28210,755,91710,755,91710,147,0927,526,28624,877,12224,505,17516,993,60012,493,6007,993,6007,993,6007,993,6007,993,6007,993,600
   Retained Earnings 
541,551
1,532,635
2,861,193
4,052,682
6,002,299
27,076,894
35,111,815
16,851,703
21,111,100
21,145,768
29,499,370
35,130,814
7,281,752
-11,596,418
-56,038,347
-99,754,540
-125,373,974
-126,570,327
-280,411
14,577,627
14,577,627-280,411-126,570,327-125,373,974-99,754,540-56,038,347-11,596,4187,281,75235,130,81429,499,37021,145,76821,111,10016,851,70335,111,81527,076,8946,002,2994,052,6822,861,1931,532,635541,551
   Accumulated Other Comprehensive Income 
-2,804,593
-3,230,335
-3,789,219
-4,491,942
0
-6,205,882
-6,913,994
0
0
-9,611,932
-10,837,312
-12,252,646
-13,750,427
-15,211,343
-16,437,921
-17,809,663
-19,244,193
96,247,449
79,151,130
85,642,645
85,642,64579,151,13096,247,449-19,244,193-17,809,663-16,437,921-15,211,343-13,750,427-12,252,646-10,837,312-9,611,93200-6,913,994-6,205,8820-4,491,942-3,789,219-3,230,335-2,804,593
   Capital Surplus 
0
0
0
0
0
0
0
0
0
0
0
0
48,270,442
65,385,036
122,970,746
158,545,157
157,203,607
26,000,000
36,257,103
36,257,103
36,257,10336,257,10326,000,000157,203,607158,545,157122,970,74665,385,03648,270,442000000000000
   Treasury Stock00000000000000000000
   Other Stockholders Equity 
12,280,365
14,192,753
17,559,734
19,066,515
15,267,300
6,205,882
6,913,994
32,835,345
40,146,111
59,534,019
83,453,735
91,855,468
120,932,291
138,745,184
198,966,509
237,240,747
710,153
157,203,607
36,257,103
37,865,228
37,865,22836,257,103157,203,607710,153237,240,747198,966,509138,745,184120,932,29191,855,46883,453,73559,534,01940,146,11132,835,3456,913,9946,205,88215,267,30019,066,51517,559,73414,192,75312,280,365



Balance Sheet

Currency in INR. All numbers in thousands.




Cash Flow

Currency in INR. All numbers in thousands.




Income Statement

Currency in INR. All numbers in thousands.


Latest Income Statement (annual, 2023-03-31)

Gross Profit (+$)
totalRevenue98,515,800
Cost of Revenue-0
Gross Profit98,515,80098,515,800
 
Operating Income (+$)
Gross Profit98,515,800
Operating Expense-56,509,000
Operating Income16,448,17642,006,800
 
Operating Expense (+$)
Research Development0
Selling General Administrative450,334
Selling And Marketing Expenses86,394
Operating Expense56,509,000536,728
 
Net Interest Income (+$)
Interest Income176,505,100
Interest Expense-103,073,900
Other Finance Cost-0
Net Interest Income73,431,200
 
Pretax Income (+$)
Operating Income16,448,176
Net Interest Income73,431,200
Other Non-Operating Income Expenses0
Income Before Tax (EBT)29,051,100-2,175,200
EBIT - interestExpense = -86,625,724
29,051,076
121,697,276
Interest Expense103,073,900
Earnings Before Interest and Taxes (EBIT)16,448,176132,125,000
Earnings Before Interest and Taxes (EBITDA)18,623,376
 
After tax Income (+$)
Income Before Tax29,051,100
Tax Provision-10,427,700
Net Income From Continuing Ops18,262,90018,623,400
Net Income18,623,376
Net Income Applicable To Common Shares18,262,846
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses55,109,150
Total Other Income/Expenses Net18,623,376-73,431,200
 

Technical Analysis of UCO Bank
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of UCO Bank. The general trend of UCO Bank is BULLISH with 57.1% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine UCO Bank's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (57.1%) Bearish trend (-57.1%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of UCO Bank.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 54.00 < 61.50 < 70.65.

The bearish price targets are: 48.45 > 47.30 > 47.30.

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UCO Bank Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of UCO Bank. The current mas is .

The long score for the Moving Averages is 11/14.
The longshort score for the Moving Averages is 8/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close < MA 20: The price is below the MA 20. -1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

UCO Bank Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of UCO Bank. The current macd is -1.32257915.

The long score for the Moving Average Convergence/Divergence (MACD) is 0/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -4/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the UCO Bank price going down in the near term. -2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for UCO Bank. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the UCO Bank price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1
UCO Bank Daily Moving Average Convergence/Divergence (MACD) ChartUCO Bank Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of UCO Bank. The current adx is 21.33.

The long score for the Directional Movement Index (DMI) is 0/7.
The longshort score for the Directional Movement Index (DMI) is -2/(-7 +7).

  • PLUS_ID < MINUS_DI: The +DI line is below the -DI line. This indicates a bearish signal in the market, as the negative directional movement is currently stronger than the positive directional movement, showing that sellers have the upper hand. Market psychology suggests that traders are pessimistic, expecting further price decreases, and are more willing to sell UCO Bank shares, leading to potential downward momentum in its price. -1
  • PLUS_ID < MINUS_DI && ADX < 25 && ADX trending up: The ADX is below 25 and indicates a weak or no trend. However, the ADX is rising and a new bearish trend could be forming. -1
UCO Bank Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of UCO Bank. The current sar is 56.99.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

  • Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1
UCO Bank Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of UCO Bank. The current rsi is 41.77. The current phase is Correction in bull market.

The long score for the Relative Strength Index (RSI) is 0/13.
The longshort score for the Relative Strength Index (RSI) is -4/(-13 +13).

  • Correction in bull market: Moderate price decline, potential pause in the uptrend. Reassess the market, wait for signs of stabilization.
  • Trending down: The RSI is trending down. -1
UCO Bank Daily Relative Strength Index (RSI) ChartUCO Bank Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of UCO Bank. The current phase is Oversold in bull market.

The long score for the Stochastic Oscillator is 0/6.
The longshort score for the Stochastic Oscillator is -6/(-6 +6).

  • STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
  • STOCH < 20: The STOCH %K is below 20 and oversold. -2
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the UCO Bank price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
UCO Bank Daily Stochastic Oscillator ChartUCO Bank Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of UCO Bank. The current cci is -81.5879682.

UCO Bank Daily Commodity Channel Index (CCI) ChartUCO Bank Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of UCO Bank. The current cmo is -24.42202397.

The long score for the Chande Momentum Oscillator (CMO) is 0/1.
The longshort score for the Chande Momentum Oscillator (CMO) is -1/(-1 +1).

  • CMO < 0: The CMO is below 0, the momentum of the price is negative, indicating a potential downtrend in the price. -1
UCO Bank Daily Chande Momentum Oscillator (CMO) ChartUCO Bank Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of UCO Bank. The current willr is -84.15492958.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is -1/(-1 +1).

  • WILLR < -80: The Williams %R is below -80. This indicates that the price is in oversold territory, suggesting a potential price correction or trend reversal to the upside. -1
UCO Bank Daily Williams %R ChartUCO Bank Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of UCO Bank.

UCO Bank Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of UCO Bank. The current atr is 3.00807991.

UCO Bank Daily Average True Range (ATR) ChartUCO Bank Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of UCO Bank. The current obv is 4,291,025,374.

UCO Bank Daily On-Balance Volume (OBV) ChartUCO Bank Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of UCO Bank. The current mfi is 36.70.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -1/(-2 +2).

  • MFI < 50: -1
UCO Bank Daily Money Flow Index (MFI) ChartUCO Bank Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for UCO Bank.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-07STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-08DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2023-11-09DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-10STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-12DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2023-11-13MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-15CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2023-11-16STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-21CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-24MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2023-11-28SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-30STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-01MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2023-12-04STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-05SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2023-12-06STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-07STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-11WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-12STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-14STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-15CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-18STOCH LONG EXITThe %K line crosses below the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-19WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-20DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-12-21MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2023-12-22STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-26STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-27STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-12-28DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2023-12-29STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-01STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-02STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-03MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-04SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-05STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-10MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-12MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-15CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-01-16MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-01-17STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-01-18STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-20CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-01-22STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-23CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-01-24STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-25STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-29STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-01-30BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-01-31STOCH LONG EXITThe %K line crosses below the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-01STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-02-05STOCH LONG EXITThe %K line crosses below the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-07STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-08STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-09RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-02-12SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-02-14STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-16STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-21MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2024-02-27CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-29DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-01DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-02STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-04DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-05DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-06SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-03-07STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-11DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-03-12SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2024-03-14STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-18STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-19WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-03-20STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-26STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-27WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside

6.3. Candlestick Patterns

UCO Bank Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of UCO Bank based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5041.767
Ma 20Greater thanMa 5053.663
Ma 50Greater thanMa 10053.099
Ma 100Greater thanMa 20046.280
OpenGreater thanClose50.900
Total4/5 (80.0%)
Penke

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