Last Updated2026-06-02

Market View

₹24.83(▼0.24%)

Reporting PeriodQ4 FY26

UCOBANKUCO Bank Forensic Risk Analysis

Name: UCO Bank Structural Risk Analysis
Creator: Flagium AI
License: https://creativecommons.org/licenses/by-nc-nd/4.0/

Public Sector Bank

Risk ClassStable

Market Cap₹34,496 Cr

Primary DriverGovernance

Flagium AI Risk Score

10 / 100

-5 QoQ

Improving

Sentinel Insight

Asset quality remains stable for now. Pressure is receding in governance. This indicates that forensic pressure is currently receding. Risk levels are improving.

0.0th %ile (Sector)Accel: +0 Qtrs

Updated2026-06-02

Market View

₹24.83▼0.24%

PeriodQ4 FY26

Score Waterfall
Absolute contribution points of each forensic pillar to the final risk score. Derived from: Sector Baseline + Active Penalties - Mitigation Buffers.

Stability Adjustment

+10.0 pts

Final Composite Risk10 / 100

Investment Risk Thesis

Historical Trend

Current risk score has risen from 0 → 10 over 12 quarters.

Expected Direction

🟢 Improving

Primary Deterioration Drivers

CAR Decay
NIM Compression

What to Watch Next Quarter

Operating profit margins

Active Risk Objects (2)

CriticalHigh

NIM Compression

📊 Earnings QualityQuarterlyActive for 1 Qtrs

More Detail

Impact Weight10/15

MomentumDecaying

Last SignalQ1 FY2026

UCOBANK: NIM decline is accelerating (40 bps drop vs prev -24 bps).

"Pressure on core margins is stabilizing. Monitor for sustained interest income recovery."

CAR Decay

🏛️ Solvency & LeverageQuarterlyActive for 3 Qtrs

More Detail

Impact Weight15/15

MomentumDecaying

Last SignalQ3 FY2026

UCOBANK: Persistent 3-quarter CAR decline detected in vigilance zone.

"Capital position is strengthening through fresh equity or higher profit retention."

Risk Trajectory

Loading Chart

Resilience Matrix

Metric	Value	vs Sector	Signal
Volatility (σ)	7.27	6.50	⚠️ HIGH
Sensitivity (ε_s)	1	1.00	✅ RESILIENT
Escalation Prob.	5%	5%	✅ NEUTRAL
Safety Buffer	+56.0	+46.0	✅ RESILIENT

Forensic Benchmark Context: Public Sector Bank (n=12 peers)

Correlation Analysis
Visualizing the relationship between stock price movement and structural risk objects.

Loading Chart

Share Price

Risk Score (0-100)

Market Performance

₹24.83(-0.24%)

1M Divergence-5.11%

1 Week-2.28%

1 Month-5.77%

6 Months-14.91%

1 Year-26.34%

2 Year-55.09%

3 Year-6.65%

Sector Average (1M)-0.66%

Sentinel Forensic Assessment

ALGORITHMIC RISK PROFILE • NON-ADVISORY

The structural architecture is currently robust. Capital resilience buffers in governance remain well-maintained against forensic benchmarks. Systematic scans of structural transparency and audit trails confirm the absence of material structural stress. Initial structural recovery is visible; monitor for a sustained return to resilience.

UCOBANK • MARKET STRUCTURE

Stage 4 — Declining

The company is in a defensive phase. Sentiment and fundamentals are deteriorating under persistent downward pressure, indicating elevated risk levels.

Stage Transition Prob.0%

Trend QualityDeteriorating

Phase Progression

Phase Progression Score0%

Readiness LabelLow (Early Base Consolidation)

Probability of Advancing0%

CoinTree Momentum

Composite Z-Score-0.5893σ

Weakening momentum trend

Universe Rank#2192 of 2716

Top 80.71% in momentum strength

Timeframe Sparklines

1W-2.3%

1M-5.8%

6M-14.9%

Weinstein Indicators

150 DMA₹27.78

200 DMA₹28.15

150 DMA Slope-2.3108%Declining

Relative Strength-9.42%Lagging

Relative Turnover (RTR)0.5633

ParticipationWeak

PEER COMPARISON

Ranked comparison against sector peers

This company appears relatively stable compared to the Sector Mean (20).

Ticker	Risk Score	Sector %ile	Delta	Flags	Accel	Primary Driver
UCOBANKUCO Bank	10	0th	-5	2	+0	GovernanceStable
BANKINDIABank of India	20	45th	-4	12	+0	SolvencyWatch
BANKBARODABank of Baroda	26	64th	-5	11	+0	GovernanceWatch
CANBKCanara Bank	34	82th	-17	17	+0	SolvencyWatch