Stock Performance and Market Context
On 17 Feb 2026, Union Bank of India’s shares touched an intraday high of Rs.187.6, representing a 2.43% increase on the day and outperforming its sector by 0.84%. This new peak is a substantial rise from its 52-week low of Rs.106.6, highlighting a remarkable 76% appreciation over the past year. The stock has been on a positive trajectory, gaining for two consecutive days and delivering a 4.78% return during this period.
The bank’s share price currently trades above all key moving averages – 5-day, 20-day, 50-day, 100-day, and 200-day – signalling robust technical strength and sustained investor confidence. This upward momentum contrasts with the broader market, where the Sensex opened flat and is trading marginally higher at 83,291.04, just 3.44% shy of its own 52-week high of 86,159.02.
Strong Financial Fundamentals Underpinning the Rally
Union Bank of India’s rally is supported by solid fundamental metrics that underscore its long-term growth and asset quality. The bank boasts a Gross Non-Performing Assets (NPA) ratio of 3.06%, one of the lowest in the sector, alongside a Net NPA ratio of just 0.51%. These figures reflect prudent credit risk management and effective provisioning practices, further evidenced by a Provision Coverage Ratio of 76.68%.
Credit growth remains healthy, with the bank’s Credit Deposit Ratio standing at a robust 81.03% as per the latest half-year data. This indicates efficient utilisation of deposits to generate loans, a key driver of interest income and profitability.
Impressive Profit Growth and Valuation Metrics
Union Bank of India has demonstrated exceptional profit growth, with a compound annual growth rate (CAGR) of 63.27% in net profits over the long term. In the most recent financial year, net profits increased by 12.6%, reinforcing the bank’s ability to sustain earnings growth amid a competitive environment.
The bank’s return on assets (ROA) stands at a healthy 1.2%, reflecting efficient utilisation of its asset base. Valuation metrics also favour the stock, with a price-to-book value of 1.1, indicating that the shares are trading at a fair value relative to their book worth and peer averages. The PEG ratio of 0.6 further suggests that the stock’s price growth is supported by earnings expansion, making it attractive on a valuation basis.
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Institutional Support and Market Standing
Institutional investors hold a significant 20.04% stake in Union Bank of India, reflecting confidence from entities with extensive analytical resources. This backing often contributes to stock stability and liquidity in the market.
According to MarketsMojo’s comprehensive evaluation, Union Bank of India holds a Mojo Score of 81.0 and has been upgraded from a Buy to a Strong Buy rating as of 2 Feb 2026. The bank ranks impressively at number 4 among all Large Cap stocks and 24 across the entire market universe of over 4,000 stocks, placing it in the top 1% of rated companies.
Long-Term and Recent Market Outperformance
Over the past year, Union Bank of India has delivered a remarkable 71.68% return, significantly outpacing the Sensex’s 9.58% gain during the same period. This outperformance extends beyond the last 12 months, with the stock also beating the BSE500 index over the last three years, one year, and three months, underscoring its consistent market-beating performance.
The bank’s strong fundamentals, combined with its technical strength and institutional support, have contributed to this sustained upward trajectory, culminating in today’s new 52-week high.
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Sector and Market Environment
Union Bank of India operates within the Public Sector Bank industry, a segment that has shown resilience amid fluctuating economic conditions. The broader banking sector has experienced mixed performance, but Union Bank’s strong credit metrics and profit growth have distinguished it from peers.
While the Sensex is trading slightly below its 50-day moving average, the 50DMA remains above the 200DMA, indicating a generally positive medium-term market trend. Mega-cap stocks are leading the market gains, and Union Bank’s recent price action aligns with this broader market strength.
Summary of Key Metrics
To summarise, Union Bank of India’s key financial and market metrics as of 17 Feb 2026 are:
- New 52-week high price: Rs.187.6
- 52-week low price: Rs.106.6
- Yearly return: 71.68%
- Gross NPA: 3.06%
- Net NPA: 0.51%
- Provision Coverage Ratio: 76.68%
- Credit Deposit Ratio: 81.03%
- Net profit CAGR: 63.27%
- ROA: 1.2%
- Price to Book Value: 1.1
- PEG Ratio: 0.6
- Mojo Score: 81.0 (Strong Buy)
- Institutional Holdings: 20.04%
These figures collectively illustrate the bank’s robust financial health and market performance, which have propelled its stock to this new high.
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