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DCB Bank share price

DCB Bank Ltd.

NSE: DCBBANK BSE: 532772 SECTOR: Bank - Private  107k   1k   362

119.10
+1.55 (1.32%)
BSE: Today, 04:01 PM

Price Summary

Today's High

₹ 122.65

Today's Low

₹ 117.75

52 Week High

₹ 163.4

52 Week Low

₹ 99.8

FinStar

Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

3725.5 Cr.

CASA %

26.42

No. of Shares

31.28 Cr.

P/E

7.13

P/B

0.81

Face Value

₹ 10

Div. Yield

1.04 %

Book Value (TTM)

₹  147.41

Net Interest Income

1717.01 Cr.

Cost To Income %

63

Promoter Holding

14.8 %

EPS (TTM)

₹  16.7

CAR %

17.55

ROE

11.51 %

ROCE

10.51%

Profit Growth

61.93 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

ROE%

1 Year11.51%
3 Year9.78%
5 Year10.5%

ROA%

1 Year0.96%
3 Year0.83%
5 Year0.88%

Net NPA%

1 Year1.04%
3 Year1.77%
5 Year1.42%

 NIM

1 Year3.48%
3 Year3.38%
5 Year3.39%

CAR %

17.55

Cost of Liabilities %

5.47493063676862

PEG Ratio

0.12

Advances Growth %

18.1640092894292

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2023 14.8 0
Sep 2023 14.81 0
Jun 2023 14.82 0
Mar 2023 14.83 0
Dec 2022 14.85 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company has been consistently maintaining a NIM of 3.38470039446601% since last 3 years.
  • Good Capital Adequacy Ratio of 17.55%.

 Limitations

  • CASA Growth of -0.3323516466087% YoY, which is very low.
  • Low other Income proportion of 9.74676157800294%.
  • High Cost to income ratio of 63.0015364967836%.
  • The company has delivered poor Income growth of 5.89989449204364% over the past 3 years.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Interest Earned 1071.73 1179.28 1237.74 1305.6 1374.1
Other Income 95.42 122.33 106.94 107.35 123.72
Interest Expended 625.72 693.33 767.02 829.89 900.11
Operating Expenses 347.32 364.34 368.99 372.54 386.2
Total Provisions 40.68 52.48 37.73 39.68 41
Profit Before Tax 153.43 191.46 170.94 170.84 170.51
Tax 39.58 49.25 44.01 44.05 43.93
Net Profit 113.85 142.21 126.93 126.79 126.58
Net NPA % 1.37 1.04 1.19 1.28 1.22
Gross NPA % 3.62 3.19 3.26 3.36 3.43
Return on Assets % 0.94 1.1 0.94 0.9 0.86
NPM % 10.62 12.06 10.26 9.71 9.21

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Interest Earned 3041.49 3536.63 3458.21 3512.77 4200.27
Other Income 350.16 391.09 445.83 452.04 409.39
Interest Expended 1892.2 2271.72 2171.6 2155.26 2483.27
Operating Expenses 852.85 902.94 846.63 1012.56 1339.66
Total Provisions 140.06 261.14 433.01 407.43 159.18
Profit Before Tax 506.54 491.92 452.81 389.55 627.56
Taxes 181.17 153.99 117.02 102.05 162
Net Profit 325.37 337.94 335.79 287.5 465.56
Adjusted EPS (Rs.) 10.51 10.89 10.81 9.25 14.95

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 309.55 310.42 310.54 310.98 311.5
Total Reserves 2804.9 3110.76 3447.1 3736.53 4251.53
Deposits 28435.11 30369.93 29703.86 34691.69 41238.91
Borrowings 2723.2 3407.95 4482.25 4081.84 4118.12
Other Liabilities 1517.91 1305.11 1657.43 1970.21 2442.73
Total Liabilities 35791.83 38505.14 39602.13 44792.56 52365.87
Assets
Balance with RBI 1317.22 1029.8 1182.89 3107.5 2030.6
Balance with Banks 1476.16 2516.07 1856.45 983.26 337.82
Investments 7844.09 7741.5 8413.69 9050.65 12582.46
Advances 23568 25345.29 25737.2 29095.78 34380.74
Net Block 525.98 545.87 568.51 608.36 782.67
Other Assets 1060.39 1326.6 1843.39 1894.18 2207.98
Total Assets 35791.83 38505.14 39602.13 44792.56 52365.87
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Dec 2022% Mar 2023% Jun 2023% Sep 2023% Dec 2023%
promoters 14.85 14.83 14.82 14.81 14.80
aga khan fund for economi... 14.06 14.04 14.03 14.03 14.02
platinum jubilee investme... - 0.79 0.79 0.79 0.79
platinum jubilee investme... 0.79 - - - -
PARTICULARS Dec 2022% Mar 2023% Jun 2023% Sep 2023% Dec 2023%
investors 85.15 85.17 85.18 85.19 85.20
bajaj allianz life insura... - - 1.71 1.49 1.09
canara robeco mutual fund... 1.88 2.28 2.28 2.28 1.12
dsp small cap fund 4.23 4.22 4.22 4.22 4.22
franklin india smaller co... - - - - 4.23
hdfc small cap fund 4.48 4.48 4.47 4.47 4.47
icici prudential smallcap... - - - - 1.62
india advantage fund s4 i... 4.01 4.00 4.00 4.00 4.00
investor education and pr... - - - 0.23 0.23
lic mf large & mid cap fu... - - - - 1.58
llp 1.04 1.01 1.02 1.01 1.05
oman india joint investme... 2.96 2.95 2.95 2.95 2.95
steinberg india emerging ... 2.89 2.89 2.89 2.89 2.76
tata mutual fund - tata s... - - - - 5.19
franklin india smaller co... 3.36 3.35 3.35 3.35 -
icici prudential smallcap... - 3.31 2.88 2.43 -
invesco india multicap fu... 1.54 1.54 1.61 1.08 -
lic mf large & mid cap fu... - - - 1.38 -
max life insurance compan... 1.87 1.43 1.13 1.13 -
tata mutual fund - tata s... 4.77 4.95 4.94 5.20 -
investor education and pr... 0.23 0.23 0.23 - -
lic mf multi cap fund - - 1.09 - -
uti - banking and financi... 1.12 1.14 - - -
icici prudential banking ... 3.37 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

DCB Bank informs about newspaper publication22 Mar 2024, 5:17PM DCB Bank informs about loss of share certificates21 Mar 2024, 5:24PM DCB Bank informs about appointment of additional director 21 Mar 2024, 4:26PM RBI imposes penalty of Rs 63.60 lakh on DCB Bank 20 Mar 2024, 11:30AM DCB Bank informs about loss of share certificate2 Mar 2024, 3:20PM DCB Bank informs about loss of share certificates25 Jan 2024, 2:24PM DCB Bank - Quaterly Results24 Jan 2024, 3:40PM DCB Bank - Quaterly Results24 Jan 2024, 3:40PM DCB Bank - Quaterly Results24 Jan 2024, 3:40PM DCB Bank informs about loss of share certificates2 Jan 2024, 4:40PM DCB Bank informs about details of loss of certificate1 Jan 2024, 5:09PM DCB Bank enters into co-lending business alliance with Easy Home Finance20 Dec 2023, 4:26PM DCB Bank informs about press release20 Dec 2023, 4:25PM DCB Bank informs about loss of share certificate20 Dec 2023, 4:05PM DCB Bank informs about loss of share certificate14 Dec 2023, 4:43PM DCB Bank informs about newspaper publication11 Dec 2023, 5:16PM DCB Bank informs about allotment of ESOP 22 Nov 2023, 1:33PM DCB Bank submits analyst meet intimation20 Nov 2023, 4:50PM DCB Bank - Quaterly Results31 Oct 2023, 4:48PM DCB Bank - Quaterly Results31 Oct 2023, 4:48PM DCB Bank - Quaterly Results31 Oct 2023, 4:48PM DCB Bank informs about board meeting23 Oct 2023, 5:31PM DCB Bank informs about loss of share certificate21 Oct 2023, 12:13PM DCB Bank informs about loss of share certificate18 Oct 2023, 4:55PM DCB Bank informs about compliances-certificate7 Oct 2023, 3:24PM DCB Bank informs about interest payment disclosure26 Sep 2023, 12:54PM DCB Bank informs about analyst meeting31 Aug 2023, 3:16PM DCB Bank informs about details of loss of certificate 28 Aug 2023, 12:52PM DCB Bank reports 31% rise in Q1 consolidated net profit29 Jul 2023, 12:35PM DCB Bank - Quaterly Results28 Jul 2023, 6:00PM DCB Bank - Quaterly Results28 Jul 2023, 6:00PM DCB Bank - Quaterly Results28 Jul 2023, 6:00PM DCB Bank informs about loss of share certificate24 Jul 2023, 12:31PM DCB Bank informs about board meeting20 Jul 2023, 5:02PM DCB Bank enters into partnership with Max Life Insurance Company11 Jul 2023, 2:08PM DCB Bank gets RBI nod to sell 7.5% stake to TAMPL6 Jul 2023, 12:59PM DCB Bank goes live on new Income Tax collection portal23 Jun 2023, 5:21PM DCB Bank informs about issuance of duplicate share certificate 17 Jun 2023, 3:32PM DCB Bank informs about details of loss of certificate 16 Jun 2023, 4:28PM DCB Bank informs about allotment under ESOP12 Jun 2023, 2:57PM DCB Bank informs about details of loss of certificate 8 Jun 2023, 4:28PM DCB Bank informs about annual secretarial compliance report18 May 2023, 5:04PM DCB Bank informs about analyst meet16 May 2023, 4:18PM DCB Bank informs about audio recording of earnings call 6 May 2023, 9:47AM DCB Bank informs about investor presentation5 May 2023, 4:46PM DCB Bank - Quaterly Results5 May 2023, 3:49PM DCB Bank - Quaterly Results5 May 2023, 3:49PM DCB Bank - Quaterly Results5 May 2023, 3:49PM DCB Bank informs about details of loss of certificate25 Apr 2023, 4:55PM DCB Bank informs about details of loss of certificate 24 Apr 2023, 12:36PM

DCB Bank Stock Price Analysis and Quick Research Report. Is DCB Bank an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how DCB Bank is performing and if it is the right time to buy the stock of DCB Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. DCB Bank has earned Rs 4200.271 Cr. revenue in the latest financial year. DCB Bank has posted Poor revenue growth of 5.89989449204364 % in last 3 Years.

  • In terms of advances, DCB Bank reported 18.1640092894292 % YOY,  rise . If you see 3 years advance growth, it stands at 10.6978821269981 %.

  • Currently, DCB Bank has a CASA ratio of 26.4206950040549 %. It’s overall cost of liability stands at 5.47493063676862 %. Also, the total deposits of DCB Bank from these accounts stood at Rs 41238.9076 Cr.

  • DCB Bank has a average ROA track record. The ROA of DCB Bank is at 0.958349979770052 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 3.19 % and 1.04 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is negative at -60.9320017759988 % which means it has decreased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of DCB Bank decreased and is currently at Rs 409.3904 Cr.

  • DCB Bank has a Good Capital Adequacy Ratio of 17.55 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently DCB Bank is trading at a P/B of 0.8161 . The historical average PB of DCB Bank was 1.07582335342398.

  • Share Price: - The current share price of DCB Bank is Rs 119.4. One can use valuation calculators of ticker to know if DCB Bank share price is undervalued or overvalued.

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Brief about DCB Bank

DCB Bank Share Price

DCB Bank Ltd. Financials: Check Share Price, Balance Sheet, Annual Report and Quarterly Results for Company Analysis

DCB Bank Ltd., established in 1930, is a private sector bank headquartered in Mumbai, India. It provides a wide range of banking services to individuals and businesses, including savings accounts, current accounts, fixed deposits, loans, and credit cards. With its commitment to customer-centricity and innovation, DCB Bank strives to deliver seamless and personalized banking experiences to its customers.

DCB Bank Ltd. - Share Price

Stay updated with the latest share price of DCB Bank Ltd. Our website provides real-time stock quotes and historical data to help you track the performance of DCB Bank's shares in the market. Our pre-built screening tools allow you to analyze the stock based on various parameters and identify potential investment opportunities.

DCB Bank Ltd. - Balance Sheet

Access DCB Bank Ltd.'s balance sheet on our website for a comprehensive view of the company's financial health. Our premium features include tools like DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis, which enable fair value calculations and in-depth analysis of the balance sheet.

DCB Bank Ltd. - Annual Report

Download the annual reports of DCB Bank Ltd. from our website to gain insights into the company's performance, goals, and strategies. Annual reports provide detailed information about the financials, operations, and management of the company, helping long-term stock investors make informed decisions.

DCB Bank Ltd. - Dividend

Learn about DCB Bank Ltd.'s dividend history and dividend policy on our website. Dividends are a crucial consideration for long-term stock investors, as they represent a return on investment and can be an indicator of the company's financial stability and profitability.

DCB Bank Ltd. - Quarterly Result

Stay up to date with DCB Bank Ltd.'s quarterly results on our website. Quarterly reports provide insights into the company's financial performance, including revenue, expenses, and profitability. Our premium features enable convenient analysis and fair value calculation based on the quarterly results.

DCB Bank Ltd. - Stock Price and Price Chart

Track the stock price of DCB Bank Ltd. on our website and analyze its price movements over time using interactive price charts. Our website provides real-time data and tools to help long-term stock investors understand the stock's performance and make informed investment decisions.

DCB Bank Ltd. - News Updates

Get the latest news and updates about DCB Bank Ltd. on our website. Stay informed about the company's developments, announcements, and market trends that can impact the stock's performance. Our news section serves as a valuable resource for long-term stock investors seeking comprehensive stock analysis.

DCB Bank Ltd. - Concall Transcripts

Access the conference call transcripts of DCB Bank Ltd. on our website. Concall transcripts provide a detailed record of the discussions between the company's management and analysts, offering valuable insights into the company's strategies, outlook, and financial performance. These transcripts can be instrumental in understanding the company's potential and making informed investment decisions.

DCB Bank Ltd. - Investor Presentations

Download investor presentations of DCB Bank Ltd. from our website to gain deeper insights into the company's business strategy, financial performance, and future prospects. Investor presentations provide a concise overview of the company's key highlights, industry trends, and growth opportunities, helping long-term stock investors assess the potential of the stock.

DCB Bank Ltd. - Promoters

Discover information about the promoters of DCB Bank Ltd. Our website provides details about the company's founders, major shareholders, and their stake in the company. Understanding the promoters' background and involvement can provide insights into the company's stability and long-term growth prospects.

DCB Bank Ltd. - Shareholders

Explore the shareholders' composition of DCB Bank Ltd. Our website provides information on the institutional and retail shareholders of the company, along with their shareholding patterns. Analyzing the shareholders' structure can help long-term stock investors assess the level of interest and confidence in the company from various investor groups.

Please note that our website offers a range of premium features and tools to aid long-term stock investors in their stock analysis, such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis. These tools can assist in determining the fair value of the stock and understanding the company's financial performance.

Don't forget to download the annual reports, concall transcripts, investor presentations, credit ratings, and research reports from our website, as they provide valuable insights into DCB Bank Ltd.'s operations, financials, and prospects.

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