I feel pain in lower back and a bit of bloating. i am in my ovulating days. could it just be ovulation or should i worry about uti?

Ovulation: Sounds like it's related to ovulation. That would be an odd presentation for uti, usually burning with urination and need to go badly/suddenly are associated with uti.

Discomfort: It is very common to have the symptoms around the time of ovulation. But, is this something new? Do you have any urinary symptoms like the urge to go alone? I often perform an ultrasound with these complaints.