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UNIONBANK (UNION BANK OF INDIA) Stock Analysis
Buy, Hold or Sell?

Let's analyze UNION BANK OF INDIA together

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

  • πŸ“Š Fundamental Analysis (FA) – UNION BANK OF INDIA’s Financial Insights
  • πŸ“ˆ Technical Analysis (TA) – UNION BANK OF INDIA’s Price Targets

I'm going to help you getting a better view of UNION BANK OF INDIA. 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.

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1. Quick Overview

1.1. Quick analysis of UNION BANK OF INDIA (30 sec.)










1.2. What can you expect buying and holding a share of UNION BANK OF INDIA? (30 sec.)

How much money do you get?

How much money do you get?
INR0.17
When do you have the money?
1 year
How often do you get paid?
50.0%

What is your share worth?

Current worth
INR149.12
Expected worth in 1 year
INR234.20
How sure are you?
80.0%

+ What do you gain per year?

Total Gains per Share
INR99.48
Return On Investment
65.7%

For what price can you sell your share?

Current Price per Share
INR151.50
Expected price per share
INR137.40 - INR168.01
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of UNION BANK OF INDIA (5 min.)




Live pricePrice per Share (EOD)
INR151.50
Intrinsic Value Per Share
INR-300.50 - INR815.68
Total Value Per Share
INR-151.38 - INR964.80

2.2. Growth of UNION BANK OF INDIA (5 min.)




Is UNION BANK OF INDIA growing?

Current yearPrevious yearGrowGrow %
How rich?$13.3b$11.4b$1.8b14.3%

How much money is UNION BANK OF INDIA making?

Current yearPrevious yearGrowGrow %
Making money$2.1b$1.6b$494.8m23.5%
Net Profit Margin30.4%25.2%--

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

2.3. Financial Health of UNION BANK OF INDIA (5 min.)




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




  Industry Rankings (Banks - Regional)  

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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of UNION BANK OF INDIA?

Welcome investor! UNION BANK OF INDIA's management wants to use your money to grow the business. In return you get a share of UNION BANK OF INDIA.

First you should know what it really means to hold a share of UNION BANK OF INDIA. And how you can make/lose money.

Speculation

The Price per Share of UNION BANK OF INDIA is INR151.50. 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 UNION BANK OF INDIA.
  • 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 UNION BANK OF INDIA, 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 INR149.12. Based on the TTM, the Book Value Change Per Share is INR21.27 per quarter. Based on the YOY, the Book Value Change Per Share is INR24.62 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 INR3.60 per quarter.
Based on historical numbers we can estimate the returns while holding a share of UNION BANK OF INDIA.

How much money are you going to get?

 MRQTTMYOY3Y5Y10Y
 INR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per Share
Usd Eps0.280.2%0.280.2%0.210.1%0.210.1%0.150.1%0.060.0%
Usd Book Value Change Per Share0.250.2%0.250.2%0.290.2%0.220.1%0.300.2%0.140.1%
Usd Dividend Per Share0.040.0%0.040.0%0.030.0%0.030.0%0.020.0%0.010.0%
Usd Total Gains Per Share0.290.2%0.290.2%0.320.2%0.250.2%0.320.2%0.150.1%
Usd Price Per Share1.48-1.48-1.80-1.35-0.98-1.08-
Price to Earnings Ratio5.34-5.34-8.49-6.60-6.90-25.77-
Price-to-Total Gains Ratio5.07-5.07-5.62-5.40-4.31-17.10-
Price to Book Ratio0.85-0.85-1.20-0.90-0.70-2.02-
Price-to-Total Gains Ratio5.07-5.07-5.62-5.40-4.31-17.10-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share1.77255
Number of shares564
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.040.02
Usd Book Value Change Per Share0.250.30
Usd Total Gains Per Share0.290.32
Gains per Quarter (564 shares)164.11181.14
Gains per Year (564 shares)656.44724.54
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
19556164642682715
2190112313028413651440
32851684195812620472165
43802246261416927302890
54752807327021134123615
65703369392625340944340
76653930458229547775065
87604491523833754595790
98555053589437961416515
109505614655042268247240

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%5.00.00.0100.0%7.03.00.070.0%9.03.00.075.0%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%8.02.00.080.0%10.02.00.083.3%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%3.00.02.060.0%5.00.05.050.0%7.00.05.058.3%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%8.02.00.080.0%10.02.00.083.3%
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3.2. Key Performance Indicators

The key performance indicators of UNION BANK OF INDIA compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-3Y+/-5 Year+/-10 Year+/-
Book Value Change Per Share--21.27021.2700%24.620-14%18.765+13%25.852-18%12.304+73%
Book Value Per Share--149.122149.1220%127.853+17%126.736+18%111.568+34%70.298+112%
Current Ratio----0%-0%-0%0.047-100%0.080-100%
Debt To Asset Ratio--0.9250.9250%0.930-1%0.931-1%0.935-1%0.940-2%
Debt To Equity Ratio--12.27712.2770%13.365-8%13.664-10%14.511-15%15.852-23%
Dividend Per Share--3.6003.6000%2.686+34%2.662+35%1.597+125%0.881+309%
Enterprise Value---13011591787712.000-13011591787712.0000%-11872605057672.000-9%-12157391351842.133-7%-11464377649810.879-12%-7583074783072.841-42%
Eps--23.61523.6150%18.074+31%17.613+34%12.698+86%5.405+337%
Ev To Sales Ratio---21.962-21.9620%-21.656-1%-22.415+2%-23.866+9%-27.376+25%
Free Cash Flow Per Share--20.71120.7110%23.948-14%16.216+28%24.244-15%2.546+713%
Free Cash Flow To Equity Per Share--20.71120.7110%23.948-14%11.564+79%59.252-65%35.980-42%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%1.0000%
Intrinsic Value_10Y_max--815.679----------
Intrinsic Value_10Y_min---300.499----------
Intrinsic Value_1Y_max--36.721----------
Intrinsic Value_1Y_min---5.746----------
Intrinsic Value_3Y_max--144.640----------
Intrinsic Value_3Y_min---38.470----------
Intrinsic Value_5Y_max--293.920----------
Intrinsic Value_5Y_min---94.186----------
Market Cap1156491951360.000+17%963361612288.000963361612288.0000%1171377491328.000-18%880765949491.200+9%639604934789.120+51%743953731427.160+29%
Net Profit Margin--0.3040.3040%0.252+21%0.243+25%0.186+63%0.045+573%
Operating Margin----0%-0%-0%-0%-0%
Operating Ratio----0%-0%-0%-0%0.174-100%
Pb Ratio1.016+17%0.8460.8460%1.200-29%0.897-6%0.702+21%2.021-58%
Pe Ratio6.415+17%5.3445.3440%8.490-37%6.599-19%6.899-23%25.767-79%
Price Per Share151.500+17%126.200126.2000%153.450-18%115.380+9%83.788+51%92.409+37%
Price To Free Cash Flow Ratio7.315+17%6.0936.0930%6.408-5%9.722-37%6.262-3%4.491+36%
Price To Total Gains Ratio6.092+17%5.0745.0740%5.620-10%5.396-6%4.308+18%17.098-70%
Quick Ratio----0%-0%-0%-0%-0%
Return On Assets--0.0120.0120%0.010+21%0.009+26%0.007+68%0.002+565%
Return On Equity--0.1580.1580%0.141+12%0.136+17%0.105+50%0.020+685%
Total Gains Per Share--24.87024.8700%27.306-9%21.427+16%27.450-9%13.185+89%
Usd Book Value--13318587360.00013318587360.0000%11418925752.000+17%11319174746.100+18%9964519170.840+34%6540917700.330+104%
Usd Book Value Change Per Share--0.2490.2490%0.288-14%0.220+13%0.302-18%0.144+73%
Usd Book Value Per Share--1.7451.7450%1.496+17%1.483+18%1.305+34%0.822+112%
Usd Dividend Per Share--0.0420.0420%0.031+34%0.031+35%0.019+125%0.010+309%
Usd Enterprise Value---152235623916.230-152235623916.2300%-138909479174.762-9%-142241478816.553-7%-134133218502.787-12%-88721974961.952-42%
Usd Eps--0.2760.2760%0.211+31%0.206+34%0.149+86%0.063+337%
Usd Free Cash Flow--1849794570.0001849794570.0000%2138864130.000-14%1448342220.000+28%2165311746.000-15%-308651967.000+117%
Usd Free Cash Flow Per Share--0.2420.2420%0.280-14%0.190+28%0.284-15%0.030+713%
Usd Free Cash Flow To Equity Per Share--0.2420.2420%0.280-14%0.135+79%0.693-65%0.421-42%
Usd Market Cap13530955830.912+17%11271330863.77011271330863.7700%13705116648.538-18%10304961609.047+9%7483377737.033+51%8704258657.698+29%
Usd Price Per Share1.773+17%1.4771.4770%1.795-18%1.350+9%0.980+51%1.081+37%
Usd Profit--2109154320.0002109154320.0000%1614261870.000+31%1573093606.500+34%1134068195.520+86%457912661.310+361%
Usd Revenue--6931774980.0006931774980.0000%6414484050.000+8%6361534920.000+9%5689410924.600+22%3589961547.510+93%
Usd Total Gains Per Share--0.2910.2910%0.319-9%0.251+16%0.321-9%0.154+89%
 EOD+4 -4MRQTTM+0 -0YOY+18 -163Y+30 -45Y+21 -1410Y+28 -8

3.3 Fundamental Score

Let's check the fundamental score of UNION BANK OF INDIA based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-156.415
Price to Book Ratio (EOD)Between0-11.016
Net Profit Margin (MRQ)Greater than00.304
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.925
Debt to Equity Ratio (MRQ)Less than112.277
Return on Equity (MRQ)Greater than0.150.158
Return on Assets (MRQ)Greater than0.050.012
Total4/10 (40.0%)

3.4 Technical Score

Let's check the technical score of UNION BANK OF INDIA based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5058.159
Ma 20Greater thanMa 50148.808
Ma 50Greater thanMa 100140.337
Ma 100Greater thanMa 200129.446
OpenGreater thanClose153.700
Total5/5 (100.0%)

4. In-depth Analysis

4.1 About UNION BANK OF INDIA

Union Bank of India provides various banking products and services. It operates through four segments: Treasury Operations, Retail Banking Operations, Corporate and Wholesale Banking, and Other Banking Operations. The company offers savings and current accounts; term deposits; home, vehicle, education, personal, agriculture, and gold loans; loans against the property; and loans for senior citizen and pensioners, as well as products and loans for micro, small, and medium enterprises. It also provides mutual funds; life, non-life, and health insurance products; demat and online trading services; tax saving deposits; government saving schemes; and safe deposit locker and cheque collection services. In addition, the company offers corporate loans, that includes export scheme, line of credit, trade finance, working capital, project financing, and channel finance; debt structuring/restructuring, loan syndication, and structured finance services; cash management, ECGC cover, and foreign exchange services, as well as derivatives; export and import finance services; NRI banking services; and treasury and other products, and remittance services. Further, it provides app, internet, self-service, ATM, and SMS banking services; point of sale terminal and immediate payment services; and debit, credit, gift, and payroll cards. The company was incorporated in 1919 and is headquartered in Mumbai, India.

Fundamental data was last updated by Penke on 2025-06-22 06:05:06.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
Liquidity Details
 Compared to previous yearCompared to industry
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.

4.2.2. Valuation Summary

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

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profitΒ UNION BANK OF INDIA earns for each ₹1 of revenue.

  • Above 10% is considered healthy but always compareΒ UNION BANK OF INDIA to theΒ Banks - Regional industry mean.
  • A Net Profit Margin of 30.4%Β means thatΒ ₹0.30 for each ₹1Β in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of UNION BANK OF INDIA:

  • The MRQ is 30.4%. The company is making a huge profit. +2
  • The TTM is 30.4%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ30.4%TTM30.4%0.0%
TTM30.4%YOY25.2%+5.3%
TTM30.4%5Y18.6%+11.8%
5Y18.6%10Y4.5%+14.1%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ30.4%41.9%-11.5%
TTM30.4%31.1%-0.7%
YOY25.2%29.6%-4.4%
3Y24.3%29.0%-4.7%
5Y18.6%25.7%-7.1%
10Y4.5%22.1%-17.6%
4.3.1.2. Return on Assets

Shows howΒ efficientΒ UNION BANK OF INDIA is using its assets to generate profit.

  • Above 5% is considered healthyΒ but always compareΒ UNION BANK OF INDIA to theΒ Banks - Regional industry mean.
  • 1.2% Return on Assets means thatΒ UNION BANK OF INDIA generatedΒ ₹0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of UNION BANK OF INDIA:

  • The MRQ is 1.2%. Using its assets, the company is less efficient in making profit.
  • The TTM is 1.2%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ1.2%TTM1.2%0.0%
TTM1.2%YOY1.0%+0.2%
TTM1.2%5Y0.7%+0.5%
5Y0.7%10Y0.2%+0.5%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ1.2%0.2%+1.0%
TTM1.2%0.2%+1.0%
YOY1.0%0.2%+0.8%
3Y0.9%0.2%+0.7%
5Y0.7%0.2%+0.5%
10Y0.2%0.2%0.0%
4.3.1.3. Return on Equity

Shows how efficient UNION BANK OF INDIA is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compareΒ UNION BANK OF INDIA to theΒ Banks - Regional industry mean.
  • 15.8% Return on Equity means UNION BANK OF INDIA generated ₹0.16Β for eachΒ ₹1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of UNION BANK OF INDIA:

  • The MRQ is 15.8%. Using its investors money, the company is efficient in making profit. +1
  • The TTM is 15.8%. Using its investors money, the company is efficient in making profit. +1
Trends
Current periodCompared to+/- 
MRQ15.8%TTM15.8%0.0%
TTM15.8%YOY14.1%+1.7%
TTM15.8%5Y10.5%+5.3%
5Y10.5%10Y2.0%+8.5%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ15.8%2.8%+13.0%
TTM15.8%2.2%+13.6%
YOY14.1%2.6%+11.5%
3Y13.6%2.5%+11.1%
5Y10.5%2.4%+8.1%
10Y2.0%2.6%-0.6%
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4.3.2. Operating Efficiency of UNION BANK OF INDIA.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

MeasuresΒ how efficient UNION BANK OF INDIA is operatingΒ .

  • Measures how much profit UNION BANK OF INDIA makes for each ₹1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compareΒ UNION BANK OF INDIA to theΒ Banks - Regional industry mean.
  • An Operating Margin of 0.0%Β means the company generated ₹0.00 Β for each ₹1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of UNION BANK OF INDIA:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY-0.0%
TTM-5Y-0.0%
5Y-10Y-0.0%
4.3.2.2. Operating Ratio

Measures how efficient UNION BANK OF INDIA is keepingΒ operating costsΒ low.

  • Below 1 is considered healthy (always compare toΒ Banks - Regional industry mean).
  • An Operation Ratio of 0.00 means that the operating costs are ₹0.00 for each ₹1 in net sales.

Let's take a look of the Operating Ratio trends of UNION BANK OF INDIA:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y-0.000
5Y-10Y0.174-0.174
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4.4.3. Liquidity of UNION BANK OF INDIA.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if UNION BANK OF INDIA is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare toΒ Banks - Regional industry mean).
  • A Current Ratio of 0.00Β means the company has ₹0.00 in assets for each ₹1 in short-term debts.

Let's take a look of the Current Ratio trends of UNION BANK OF INDIA:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y0.047-0.047
5Y0.04710Y0.080-0.032
4.4.3.2. Quick Ratio

Measures if UNION BANK OF INDIA is able to pay off Short-term Debt but only usingΒ theΒ most liquid assets.

  • Above 1 is considered healthy butΒ always compareΒ UNION BANK OF INDIA to theΒ Banks - Regional industry mean.
  • A Quick Ratio of 0.00Β means the company can pay off ₹0.00 for each ₹1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of UNION BANK OF INDIA:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y-0.000
5Y-10Y-0.000
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4.5.4. Solvency of UNION BANK OF INDIA.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much %Β of UNION BANK OF INDIAΒ assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compareΒ UNION BANK OF INDIA to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.92Β means that UNION BANK OF INDIA assets areΒ financed with 92.5% credit (debt) and the remaining percentage (100% - 92.5%)Β is financed by its owners/shareholders.Β 

Let's take a look of the Debt to Asset Ratio trends of UNION BANK OF INDIA:

  • The MRQ is 0.925. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.925. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.925TTM0.9250.000
TTM0.925YOY0.930-0.006
TTM0.9255Y0.935-0.010
5Y0.93510Y0.940-0.005
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9250.912+0.013
TTM0.9250.914+0.011
YOY0.9300.331+0.599
3Y0.9310.655+0.276
5Y0.9350.761+0.174
10Y0.9400.845+0.095
4.5.4.2. Debt to Equity Ratio

Measures ifΒ UNION BANK OF INDIA is able toΒ pay off its debts by usingΒ shareholders equity.

  • Below 2 is considered healthy butΒ always compareΒ UNION BANK OF INDIA to theΒ Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,227.7% means that company has ₹12.28 debt for each ₹1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of UNION BANK OF INDIA:

  • The MRQ is 12.277. The company is unable to pay all its debts with equity. -1
  • The TTM is 12.277. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ12.277TTM12.2770.000
TTM12.277YOY13.365-1.088
TTM12.2775Y14.511-2.235
5Y14.51110Y15.852-1.340
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ12.27710.416+1.861
TTM12.27710.683+1.594
YOY13.3654.228+9.137
3Y13.6647.922+5.742
5Y14.5119.283+5.228
10Y15.85211.348+4.504
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

MeasuresΒ how much money you payΒ for each share forΒ every ₹1 in earnings UNION BANK OF INDIA generates.

  • Above 15 is considered overpriced butΒ always compareΒ UNION BANK OF INDIA to theΒ Banks - Regional industry mean.
  • A PE ratio of 5.34 means the investor is paying ₹5.34Β for every ₹1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of UNION BANK OF INDIA:

  • The EOD is 6.415. Based on the earnings, the company is cheap. +2
  • The MRQ is 5.344. Based on the earnings, the company is cheap. +2
  • The TTM is 5.344. Based on the earnings, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD6.415MRQ5.344+1.071
MRQ5.344TTM5.3440.000
TTM5.344YOY8.490-3.146
TTM5.3445Y6.899-1.555
5Y6.89910Y25.767-18.868
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD6.4154.337+2.078
MRQ5.3443.875+1.469
TTM5.3446.132-0.788
YOY8.4904.741+3.749
3Y6.5995.925+0.674
5Y6.8998.400-1.501
10Y25.7679.118+16.649
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of UNION BANK OF INDIA:

  • The EOD is 7.315. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 6.093. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 6.093. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD7.315MRQ6.093+1.222
MRQ6.093TTM6.0930.000
TTM6.093YOY6.408-0.314
TTM6.0935Y6.262-0.168
5Y6.26210Y4.491+1.770
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD7.3150.376+6.939
MRQ6.0930.336+5.757
TTM6.0930.632+5.461
YOY6.408-1.072+7.480
3Y9.7222.007+7.715
5Y6.2620.284+5.978
10Y4.4910.095+4.396
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price ofΒ UNION BANK OF INDIA is to cheap or to expensiveΒ compared to its book value.

  • At or below 1 is considered healthyΒ (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.85 means the investor is paying ₹0.85Β for each ₹1 in book value.

Let's take a look of the Price to Book Ratio trends of UNION BANK OF INDIA:

  • The EOD is 1.016. Based on the equity, the company is underpriced. +1
  • The MRQ is 0.846. Based on the equity, the company is cheap. +2
  • The TTM is 0.846. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD1.016MRQ0.846+0.170
MRQ0.846TTM0.8460.000
TTM0.846YOY1.200-0.354
TTM0.8465Y0.702+0.144
5Y0.70210Y2.021-1.319
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.0160.483+0.533
MRQ0.8460.432+0.414
TTM0.8460.446+0.400
YOY1.2000.149+1.051
3Y0.8970.355+0.542
5Y0.7020.578+0.124
10Y2.0210.801+1.220
4.6.2. Total Gains per Share
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6. Financial Statements




6.1. Latest Balance Sheet

Balance Sheet of 2025-03-31. Currency in INR. All numbers in thousands.

Summary
Total Assets15,113,294,200
Total Liabilities13,974,953,400
Total Stockholder Equity1,138,340,800
 As reported
Total Liabilities 13,974,953,400
Total Stockholder Equity+ 1,138,340,800
Total Assets = 15,113,294,200

Assets

Total Assets15,113,294,200
Total Current Assets0
Long-term Assets0
Total Current Assets
Cash And Cash Equivalents 1,316,837,400
Total Current Assets  (as reported)0
Total Current Assets  (calculated)1,316,837,400
+/- 1,316,837,400
Long-term Assets
Property Plant Equipment 98,240,900
Long Term Investments 3,619,033,600
Long-term Assets  (as reported)0
Long-term Assets  (calculated)3,717,274,500
+/- 3,717,274,500

Liabilities & Shareholders' Equity

Total Current Liabilities0
Long-term Liabilities0
Total Stockholder Equity1,138,340,800
Total Current Liabilities
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)0
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)0
+/-0
Total Stockholder Equity
Total Stockholder Equity (as reported)1,138,340,800
Total Stockholder Equity (calculated)0
+/- 1,138,340,800
Other
Capital Stock77,376,100
Common Stock Shares Outstanding 7,633,606
Net Invested Capital 1,412,198,700



6.2. Balance Sheets Structured

Currency in INR. All numbers in thousands.

 Trend2025-03-312024-03-312023-03-312022-03-312021-03-312020-03-312019-03-312018-03-312017-03-312016-03-312015-03-312014-03-31
> Total Assets 
3,550,144,600
3,835,689,500
4,073,645,636
4,556,812,163
4,911,204,980
4,985,805,347
5,555,090,519
10,823,773,947
11,937,656,099
12,883,571,094
14,019,959,109
15,113,294,200
15,113,294,20014,019,959,10912,883,571,09411,937,656,09910,823,773,9475,555,090,5194,985,805,3474,911,204,9804,556,812,1634,073,645,6363,835,689,5003,550,144,600
   > Total Current Assets 
257,066,106
250,006,892
319,314,807
353,122,508
530,518,823
489,148,152
593,696,743
987,683,510
1,359,159,740
0
0
0
0001,359,159,740987,683,510593,696,743489,148,152530,518,823353,122,508319,314,807250,006,892257,066,106
       Cash And Cash Equivalents 
56,856,151
85,468,602
151,368,988
174,162,726
494,803,575
431,630,771
552,487,981
847,633,374
1,197,582,209
1,125,988,700
1,196,458,454
1,316,837,400
1,316,837,4001,196,458,4541,125,988,7001,197,582,209847,633,374552,487,981431,630,771494,803,575174,162,726151,368,98885,468,60256,856,151
       Inventory 
390
390
390
390
390
390
390
1,238
1,334
0
0
0
0001,3341,238390390390390390390390
       Other Current Assets 
200,209,565
164,537,900
167,945,429
178,959,392
232,976,111
253,011,677
222,347,777
481,041,059
584,886,411
0
0
0
000584,886,411481,041,059222,347,777253,011,677232,976,111178,959,392167,945,429164,537,900200,209,565
   > Long-term Assets 000000000000
       Property Plant Equipment 
26,233,935
26,666,921
39,265,593
38,794,519
38,132,419
37,416,023
47,069,858
70,660,761
69,668,544
88,479,700
90,267,182
98,240,900
98,240,90090,267,18288,479,70069,668,54470,660,76147,069,85837,416,02338,132,41938,794,51939,265,59326,666,92126,233,935
       Goodwill 
0
0
0
124,942
124,942
124,942
124,942
0
0
0
0
0
00000124,942124,942124,942124,942000
       Long Term Investments 
946,363,538
858,181,535
905,732,138
1,134,412,641
1,255,107,068
1,283,912,095
1,542,514,859
3,390,585,059
3,518,390,437
3,437,269,600
3,439,528,617
3,619,033,600
3,619,033,6003,439,528,6173,437,269,6003,518,390,4373,390,585,0591,542,514,8591,283,912,0951,255,107,0681,134,412,641905,732,138858,181,535946,363,538
       Intangible Assets 
0
277,373
252,954
259,567
328,076
328,535
685,135
3,003,441
2,414,551
1,918,889
2,330,880
0
02,330,8801,918,8892,414,5513,003,441685,135328,535328,076259,567252,954277,3730
       Earning Assets 
0
0
948,898,289
1,294,076,458
1,532,381,875
1,502,126,289
1,887,404,153
3,848,651,400
0
0
0
0
00003,848,651,4001,887,404,1531,502,126,2891,532,381,8751,294,076,458948,898,28900
> Total Liabilities 
3,362,499,743
3,636,609,768
3,843,164,508
4,315,875,493
4,658,686,897
4,717,448,829
5,215,196,495
10,176,396,169
11,229,044,850
12,095,535,955
13,043,982,549
13,974,953,400
13,974,953,40013,043,982,54912,095,535,95511,229,044,85010,176,396,1695,215,196,4954,717,448,8294,658,686,8974,315,875,4933,843,164,5083,636,609,7683,362,499,743
   > Total Current Liabilities 
2,998,912,060
3,195,383,929
3,468,991,392
3,803,500,987
4,150,654,779
4,204,448,424
4,552,221,733
9,311,377,101
10,416,061,849
0
0
0
00010,416,061,8499,311,377,1014,552,221,7334,204,448,4244,150,654,7793,803,500,9873,468,991,3923,195,383,9292,998,912,060
       Short-term Debt 
293,162,277
351,679,979
306,366,148
412,254,965
0
0
0
0
0
0
0
0
00000000412,254,965306,366,148351,679,979293,162,277
       Short Long Term Debt 
293,162,277
351,679,979
306,366,148
412,254,965
0
0
0
0
0
0
0
0
00000000412,254,965306,366,148351,679,979293,162,277
       Accounts payable 
2,976,510,614
3,174,503,424
3,441,175,091
3,771,946,988
4,102,884,313
4,175,048,090
4,524,361,458
9,256,539,262
10,343,677,535
60,343,341
52,476,353
0
052,476,35360,343,34110,343,677,5359,256,539,2624,524,361,4584,175,048,0904,102,884,3133,771,946,9883,441,175,0913,174,503,4242,976,510,614
       Other Current Liabilities 
13,560,138
11,679,229
17,453,468
14,955,569
12,688,835
11,712,584
9,091,800
23,030,334
26,890,202
0
0
0
00026,890,20223,030,3349,091,80011,712,58412,688,83514,955,56917,453,46811,679,22913,560,138
   > Long-term Liabilities 000000000000
       Long term Debt Total 
0
0
306,366,148
412,254,965
456,803,916
432,755,957
527,140,581
519,222,312
512,451,999
427,365,947
0
0
00427,365,947512,451,999519,222,312527,140,581432,755,957456,803,916412,254,965306,366,14800
> Total Stockholder Equity
186,343,170
198,991,651
230,481,128
240,936,670
252,518,083
268,356,518
339,894,024
647,377,778
708,611,249
788,035,139
975,976,560
1,138,340,800
1,138,340,800975,976,560788,035,139708,611,249647,377,778339,894,024268,356,518252,518,083240,936,670230,481,128198,991,651186,343,170
   Common Stock
6,303,063
6,357,788
6,874,411
6,874,411
11,685,734
17,630,163
34,228,189
64,068,444
68,347,475
68,347,475
0
0
0068,347,47568,347,47564,068,44434,228,18917,630,16311,685,7346,874,4116,874,4116,357,7886,303,063
   Retained Earnings 
120,043,060
134,662,654
151,705,250
147,107,674
92,857,751
61,016,408
1,942,308
297,005,191
333,970,567
473,504,251
5,832,043
0
05,832,043473,504,251333,970,567297,005,1911,942,30861,016,40892,857,751147,107,674151,705,250134,662,654120,043,060
   Capital Surplus 
0
0
44,843,791
50,485,991
110,736,572
152,854,779
253,816,883
174,825,113
184,966,895
185,268,093
0
0
00185,268,093184,966,895174,825,113253,816,883152,854,779110,736,57250,485,99144,843,79100
   Treasury Stock000000000000
   Other Stockholders Equity 
26,479,997
23,399,995
1,245,304
41,878,594
37,238,026
36,855,168
49,906,644
111,479,030
121,326,312
-408,905
0
0
00-408,905121,326,312111,479,03049,906,64436,855,16837,238,02641,878,5941,245,30423,399,99526,479,997



6.3. Balance Sheets

Currency in INR. All numbers in thousands.




6.4. Cash Flows

Currency in INR. All numbers in thousands.




6.5. Income Statements

Currency in INR. All numbers in thousands.


6.6. Latest Income Statement

Income Statement (annual), 2025-03-31. Currency in INR. All numbers in thousands.

Gross Profit (+$)
totalRevenue592,459,400
Cost of Revenue-0
Gross Profit0592,459,400
 
Operating Income (+$)
Gross Profit0
Operating Expense-0
Operating Income00
 
Operating Expense (+$)
Research Development0
Selling General Administrative0
Selling And Marketing Expenses0
Operating Expense00
 
Net Interest Income (+$)
Interest Income1,084,172,700
Interest Expense-707,333,100
Other Finance Cost-0
Net Interest Income376,839,600
 
Pretax Income (+$)
Operating Income0
Net Interest Income376,839,600
Other Non-Operating Income Expenses0
Income Before Tax (EBT)234,238,8000
EBIT - interestExpense = -707,333,100
180,269,600
887,602,700
Interest Expense707,333,100
Earnings Before Interest and Taxes (EBIT)0941,571,900
Earnings Before Interest and Taxes (EBITDA)0
 
After tax Income (+$)
Income Before Tax234,238,800
Tax Provision-55,027,100
Net Income From Continuing Ops180,269,600179,211,700
Net Income180,269,600
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses0
Total Other Income/Expenses Net0-376,839,600
 

Technical Analysis of UNION BANK OF INDIA
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 UNION BANK OF INDIA. The general trend of UNION BANK OF INDIA is BULLISH with 85.7% 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 UNION BANK OF INDIA'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 (85.7%) Bearish trend (-85.7%)
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. UNION BANK OF INDIA 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.

SupportΒ is a price level at which demand for an asset is strong enough to prevent the price from falling further.
ResistanceΒ 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 UNION BANK OF INDIA.

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: 158.60 < 168.01.

The bearish price targets are: 139.03 > 138.35 > 137.40.

Know someone who trades $UNIONBANK? Share this with them.πŸ‘‡

UNION BANK OF INDIA Daily Support & Resistance Chart
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2. Trend Indicators

2.1 Moving Averages

Shows theΒ moving averageΒ of the selected period.

  • Moving averages are laggingΒ 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 UNION BANK OF INDIA. The current mas is .

The long score for the Moving Averages is 13/14.
The longshort score for the Moving Averages is 12/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close > MA 20: The price is above 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 above 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

UNION BANK OF INDIA Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows theΒ momentumΒ of theΒ selected period based on two moving averages.

  • MACD is aΒ lagging momentumΒ 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 UNION BANK OF INDIA. The current macd is 2.80797205.

The long score for the Moving Average Convergence/Divergence (MACD) is 3/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 2/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the UNION BANK OF INDIA price going up in the near term. +2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for UNION BANK OF INDIA. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the UNION BANK OF INDIA price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +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
UNION BANK OF INDIA Daily Moving Average Convergence/Divergence (MACD) ChartUNION BANK OF INDIA 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 UNION BANK OF INDIA. The current adx is 22.83.

The long score for the Directional Movement Index (DMI) is 1/7.
The longshort score for the Directional Movement Index (DMI) is 1/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy UNION BANK OF INDIA shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX < 25 && ADX trending down: The ADX is below 25 and indicates a weak or no trend. Also, the ADX is declining so there is no trend indication.
UNION BANK OF INDIA 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.
  • ShowsΒ the current trend.
  • ShowsΒ potential entry signals.
  • ShowsΒ Β potential exit signals.
  • Can be used to placeΒ trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of UNION BANK OF INDIA. The current sar is 141.49.

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

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
UNION BANK OF INDIA Daily Parabolic SAR Chart
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3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentumΒ indicator, meaning the signals are instant.
  • RangesΒ 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 UNION BANK OF INDIA. The current rsi is 58.16. The current phase is Continuation in bull market.

The long score for the Relative Strength Index (RSI) is 3/13.
The longshort score for the Relative Strength Index (RSI) is 2/(-13 +13).

  • Continuation in bull market: Uptrend continues after a consolidation or pullback. Hold or add to existing positions.
  • Trending down: The RSI is trending down. -1
UNION BANK OF INDIA Daily Relative Strength Index (RSI) ChartUNION BANK OF INDIA Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

ComparesΒ a certain price to multiple prices ranging over time.

  • LeadingΒ momentumΒ indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • RangesΒ 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 UNION BANK OF INDIA. The current phase is Continuation in bull market.

The long score for the Stochastic Oscillator is 1/6.
The longshort score for the Stochastic Oscillator is -2/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • 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 UNION BANK OF INDIA price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
UNION BANK OF INDIA Daily Stochastic Oscillator ChartUNION BANK OF INDIA 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,Β 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 UNION BANK OF INDIA. The current cci is 54.07.

UNION BANK OF INDIA Daily Commodity Channel Index (CCI) ChartUNION BANK OF INDIA 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 UNION BANK OF INDIA. The current cmo is 15.28.

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

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
UNION BANK OF INDIA Daily Chande Momentum Oscillator (CMO) ChartUNION BANK OF INDIA Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

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

  • Lagging momentum indicator
  • Ranging between 0 andΒ -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 UNION BANK OF INDIA. The current willr is -24.85714286.

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

  • WILLR between -80 and -20: The Williams %R is between -80 and -20. This indicates that UNION BANK OF INDIA is trading in a neutral price range, neither oversold nor overbought, suggesting a balanced market condition without any extreme price signals.
UNION BANK OF INDIA Daily Williams %R ChartUNION BANK OF INDIA Daily Williams %R Chart
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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 oversoldΒ 

Score

Let's take a look at the Bollinger Bands of UNION BANK OF INDIA.

UNION BANK OF INDIA 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 UNION BANK OF INDIA. The current atr is 4.51104301.

UNION BANK OF INDIA Daily Average True Range (ATR) ChartUNION BANK OF INDIA Daily Average True Range (ATR) Chart
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5. Volume Indicators

5.1 On-Balance Volume (OBV)

Β 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 UNION BANK OF INDIA. The current obv is 84,347,669.

UNION BANK OF INDIA Daily On-Balance Volume (OBV) ChartUNION BANK OF INDIA 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 UNION BANK OF INDIA. The current mfi is 62.91.

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

  • MFI > 50: +1
UNION BANK OF INDIA Daily Money Flow Index (MFI) ChartUNION BANK OF INDIA Daily Money Flow Index (MFI) Chart
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6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for UNION BANK OF INDIA.

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
2025-02-07STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-11DMI 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).
2025-02-12STOCH 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).
2025-02-13STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-02-14WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-02-17MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-02-18STOCH SHORT EXITThe %K line crosses above the %D line.
2025-02-19CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-02-20MACD 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.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2025-02-21STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-24STOCH SHORT EXITThe %K line crosses above the %D line.
2025-02-25STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-28DMI 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
2025-03-03MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2025-03-04STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-05CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-03-06MACD 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.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2025-03-10DMI 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.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-03-11CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-03-12CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-03-13MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-03-18MACD 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.
STOCH SHORT EXITThe %K line crosses above the %D 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).
2025-03-19CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-03-20STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-21STOCH SHORT EXITThe %K line crosses above the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2025-03-24ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-25STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-03-27STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-03-28WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-04-01STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-02STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-04-03BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2025-04-04SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-07MACD 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.
2025-04-08STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-09STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-15DMI 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
2025-04-21MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR 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
2025-04-22STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-23WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-04-25DMI 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.
2025-04-28STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-29DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-04-30MACD 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.
STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-06SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-05-08CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-05-09STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-05-12SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
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).
2025-05-13DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2025-05-14MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2025-05-15STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-19STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-23STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-27STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-28CCI LONG ENTRY SHORT CLOSE100 crossover to upside
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-05-29STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-30STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-02ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-03STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-05STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-06STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-09STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-06-10STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-06-11SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2025-06-12MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-06-13CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-06-18WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-06-19DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-06-20STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-24DMI 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
2025-06-25STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-06-26STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-06-27SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2025-06-30WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-07-01MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-07-02STOCH LONG EXITThe %K line crosses below the %D line.

6.3. Candlestick Patterns

UNION BANK OF INDIA Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of UNION BANK OF INDIA based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5058.159
Ma 20Greater thanMa 50148.808
Ma 50Greater thanMa 100140.337
Ma 100Greater thanMa 200129.446
OpenGreater thanClose153.700
Total5/5 (100.0%)
Penke
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