UCO Bank vs Indian Overseas Bank: Share Price, Comparison and Key Differences

UCO Bank MCap Rs 33,142 Cr, PE 11.75x, ROE 9.12%, Div 1.66%. Indian Overseas Bank MCap Rs 66,031 Cr, PE 11.10x, ROE 16.78%.

UCO Bank vs Indian Overseas Bank is a comparison PSU bank investors look up when evaluating two smaller government-owned banks with distinct histories. UCO Bank, headquartered in Kolkata, was founded in 1943 and is a public sector bank under government ownership. Indian Overseas Bank (IOB), headquartered in Chennai, was founded in 1937 and has a strong presence in South India and overseas remittance corridors. Both UCO Bank vs Indian Overseas Bank are listed PSU banks trading below their large-cap peers on valuation metrics.

This UCO Bank vs Indian Overseas Bank article covers reach and market position, key products, latest declared results and stock valuation. The UCO Bank vs Indian Overseas Bank data below is sourced from Groww and public company filings and reflects the most recently available information at the time of writing.

UCO Bank vs Indian Overseas Bank: Reach and Market Position

On the UCO Bank side of the UCO Bank vs Indian Overseas Bank comparison, UCO Bank operates across India with a significant presence in West Bengal and other eastern states. Market capitalisation is Rs 33,142 Cr.

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On the Indian Overseas Bank side of the UCO Bank vs Indian Overseas Bank comparison, Indian Overseas Bank has pan-India presence with a particularly strong South India footprint and historically strong NRI remittance business. Market capitalisation is Rs 66,031 Cr.

UCO Bank vs Indian Overseas Bank: Key Products and Business Mix

In the UCO Bank vs Indian Overseas Bank product comparison, UCO Bank offers: UCO Bank offers retail deposits, home loans, MSME credit and corporate banking. EPS is Rs 2.25. PE is 11.75x, ROE 9.12 percent. Dividend yield is 1.66 percent.

For Indian Overseas Bank in this UCO Bank vs Indian Overseas Bank breakdown: IOB offers retail banking, SME lending, NRI banking and corporate credit. EPS is Rs 3.09. PE is 11.10x, ROE 16.78 percent. IOB’s ROE of 16.78 percent is significantly above UCO Bank’s 9.12 percent.

UCO Bank vs Indian Overseas Bank: Latest Results

The UCO Bank vs Indian Overseas Bank results for UCO Bank: UCO Bank has a market cap of Rs 33,142 Cr and PE of 11.75x. ROE is 9.12 percent. UCO Bank is approximately half the size of Indian Overseas Bank by market cap.

The UCO Bank vs Indian Overseas Bank results for Indian Overseas Bank: Indian Overseas Bank has a market cap of Rs 66,031 Cr and PE of 11.10x. ROE is 16.78 percent. IOB is cheaper on PE and has a higher ROE, which reflects improved capital efficiency.

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UCO Bank vs Indian Overseas Bank: Stock and Valuation

The UCO Bank vs Indian Overseas Bank stock comparison uses the latest available market data from Groww. Investors tracking UCO Bank vs Indian Overseas Bank should verify current prices on NSE or BSE before trading.

UCO Bank vs Indian Overseas Bank at current valuations: UCO Bank trades at Rs 33,142 Cr market cap, PE 11.75x, ROE 9.12 percent. IOB trades at Rs 66,031 Cr market cap, PE 11.10x, ROE 16.78 percent. IOB is larger, cheaper on PE and has nearly double UCO Bank’s ROE. UCO Bank offers a higher dividend yield.

UCO Bank vs Indian Overseas Bank: Quick Comparison Table

The UCO Bank vs Indian Overseas Bank comparison table below summarises the key metrics covered in this article side by side.

Parameter	UCO Bank	Indian Overseas Bank
Sector	PSU bank – East India base (Kolkata HQ)	PSU bank – South India + NRI remittance (Chennai HQ)
Market Cap	Rs 33,142 Cr	Rs 66,031 Cr
P/E Ratio	11.75x	11.10x
ROE	9.12%	16.78%
Dividend Yield	1.66%	None currently
D/E	N/A (bank)	N/A (bank)
Founded	1943	1937

Conclusion

The UCO Bank vs Indian Overseas Bank comparison above covers the key data points on reach, products, results and valuation. UCO Bank vs Indian Overseas Bank are two small-to-mid PSU banks with different regional strengths and financial profiles. IOB has a higher ROE and larger scale. UCO Bank has a higher dividend yield. UCO Bank vs Indian Overseas Bank investors should review GNPA ratios, provision coverage, credit cost trends and capital adequacy ratios. UCO Bank vs Indian Overseas Bank are both government-owned and carry standard PSU bank risks including directed lending mandates and slower capital allocation. Consult a SEBI-registered advisor for personalised guidance.

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Frequently Asked Questions

What is UCO Bank?

Ans. UCO Bank (United Commercial Bank) is a government-owned public sector bank headquartered in Kolkata. It is majority-owned by the Government of India and provides retail, MSME and corporate banking services.

What is Indian Overseas Bank?

Ans. Indian Overseas Bank (IOB) is a government-owned PSU bank headquartered in Chennai. It was founded in 1937 with a focus on overseas Indian remittance business and has a strong South India retail banking presence.

Which PSU bank has a higher ROE?

Ans. Indian Overseas Bank has a higher ROE of 16.78 percent versus UCO Bank’s 9.12 percent. ROE measures how efficiently a bank earns returns on shareholder equity.

Does UCO Bank pay dividends?

Ans. Yes. UCO Bank pays a dividend yield of approximately 1.66 percent, which is above average for Indian PSU banks.

Are PSU bank stocks risky?

Ans. PSU banks carry risks including directed lending (priority sector mandates), slower credit approval processes, government ownership influence on lending decisions and vulnerability to credit cycles. All bank stocks carry sector-specific risks.

Which is larger, UCO Bank or IOB?

Ans. Indian Overseas Bank at Rs 66,031 Cr is approximately 2 times larger than UCO Bank at Rs 33,142 Cr.

Are UCO Bank and IOB in Nifty 50?

Ans. Neither is in Nifty 50. Both are tracked in broader PSU bank indices.