1. Indian Overseas Bank

About the Company: Indian Overseas Bank was founded in 1937 by Chidambaram Chettyar. It was one of the 14 major banks that were nationalized in 1969.

Positives:  

- The bank has delivered good profit growth of 20.1% CAGR over the last 5 years
- The bank's working capital requirements have been reduced from 186 days to 124 days
- FII / FPI or Institutions increasing their shareholding
- Company with Low Debt

Negatives: 

- The bank has a low-interest coverage ratio.
- The bank has delivered a poor sales growth of -3.23% over the past five years.
- The bank’s contingent liabilities are at Rs.115,168 Crores.

2. UCO Bank

About the Company: UCO Bank is engaged in providing a wide range of banking and financial services including Retail Banking, Corporate Banking, and Treasury Operations.


Positives:  

- UCO Bank has delivered good profit growth of 20.1% CAGR over the last 5 years
- UCO Bank’s working capital requirements have reduced from 86.6 days to 68.5 days
- Company with Zero Promoter Pledge    
- FII / FPI or Institutions increasing their shareholding
 

Negatives:

- The bank has a low-interest coverage ratio.
- The bank has delivered a poor sales growth of -1.70% over past five years.
- The bank has Contingent liabilities of Rs.150,596 Crores

3. Central Bank of India

About the Company: Central Bank of India is a commercial bank. The Bank's segments include Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and other Banking business. The Treasury Operations segment includes dealing in government and other securities, money market operations, and Forex operations

Positives: 

- The bank’s stock is trading at 0.98 times its book value
- The bank has delivered good profit growth of 19.5% CAGR over the last 5 years
- Strong Annual EPS Growth
- Company with Zero Promoter Pledge
- FII / FPI or Institutions increasing their shareholding

Negatives:

- The bank has a low-interest coverage ratio.
- The bank has delivered a poor sales growth of -1.56% over the past five years.
- Central Bank of India has had a low return on equity of -1.71% over the last 3 years.
- The bank has contingent liabilities of Rs.187,339 Crores.

4. Bank of Maharashtra

About the Company: Bank of Maharashtra is engaged in providing banking services. The Bank's segments include Treasury, Corporate/Wholesale Banking, Retail Banking, and Other banking operations

Positives: 

- The bank has delivered good profit growth of 23.3% CAGR over the last 5 years
- Strong Annual EPS Growth
- Effectively using Shareholders fund - Return on equity (ROE) improving since last 2 year    
- Efficient in managing Assets to generate Profits - ROA improving since last 2 year

Negatives: 

- The bank has a low-interest coverage ratio.
- The bank has had a low return on equity of 6.38% over the last 3 years.
- The bank has Contingent liabilities of Rs.36,433 Crores.

5. NHPC Ltd.

About the Company: NHPC Ltd is primarily involved in the generation and sale of bulk power to various Power Utilities. Its other business includes providing project management/construction contracts/ consultancy assignment services and trading of power.

Positives:

- NHPC’s Stock is trading at 1.17 times its book value
- NHPC’s Stock is providing a good dividend yield of 4.16%.
- The company has been maintaining a healthy dividend payout of 51.0%
- Annual Net Profits improving for last 2 years    
- Book Value per share Improving for last 2 years    
- Company with Zero Promoter Pledge    
- FII / FPI or Institutions increasing their shareholding

Negatives: 

- The company has delivered a poor sales growth of 1.28% over the past five years.
- The company has Contingent liabilities of Rs.13,714 Crores.
- The company has high debtors of 206 days.