DCB Bank
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DCB Bank share price

DCB Bank Ltd.

NSE: DCBBANK BSE: 532772 SECTOR: Bank - Private  142k   1k   367

125.69
-3.31 (-2.57%)
NSE: Today, 09:54 AM

Price Summary

Today's High

₹ 129.9

Today's Low

₹ 125.69

52 Week High

₹ 145.9

52 Week Low

₹ 101.41

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.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 3950.28 Cr.

CASA %

26.02

No. of Shares

31.43 Cr.

P/E

6.65

P/B

0.76

Face Value

₹ 10

Div. Yield

0.97 %

Book Value (TTM)

₹  165.77

Net Interest Income

₹ 1927.9 Cr.

Cost To Income %

64.01

Promoter Holding

14.7 %

EPS (TTM)

₹  18.9

CAR %

16.59

ROE

11.85 %

ROCE

10.86%

Profit Growth

15.12 %

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* 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.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* 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

Track the companies of Group.

Ratios

ROE%

1 Year11.85%
3 Year10.4%
5 Year10.47%

ROA%

1 Year0.93%
3 Year0.86%
5 Year0.87%

Net NPA%

1 Year1.11%
3 Year1.37%
5 Year1.51%

 NIM

1 Year3.2%
3 Year3.3%
5 Year3.36%

CAR %

16.59

Cost of Liabilities %

6.17956745746588

PEG Ratio

0.45

Advances Growth %

19.0427421805648

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2025 14.70 0.00
Dec 2024 14.72 0.00
Sep 2024 14.73 0.00
Jun 2024 14.75 0.00
Mar 2024 14.77 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company has been consistently maintaining a NIM of 3.29905221185889% since last 3 years.
  • Good Capital Adequacy Ratio of 16.59%.
  • The company has delivered good Profit growth of 16.8670843824078% over the past 3 years.

 Limitations

  • CASA Growth of -0.399112375649% YoY, which is very low.
  • Low other Income proportion of 8.8443421143892%.
  • High Cost to income ratio of 64.0134943250708%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Interest Earned 1374.1 1444.6 1489.25 1568.4 1671.05
Other Income 123.72 136.22 143 204.64 184.05
Interest Expended 900.11 937.12 992.67 1059.24 1128.18
Operating Expenses 386.2 409.95 434.21 458.68 455.81
Total Provisions 41 24.08 28.39 45.6 67.18
Profit Before Tax 170.51 209.67 176.98 209.52 203.93
Tax 43.93 53.99 45.62 54.05 52.49
Net Profit 126.58 155.68 131.36 155.47 151.44
Net NPA % 1.22 1.11 1.18 1.17 1.18
Gross NPA % 3.43 3.23 3.33 3.29 3.11
Return on Assets % 0.86 1.02 0.82 0.93 0.86
NPM % 9.21 10.78 8.82 9.91 9.06

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 3536.63 3458.21 3512.77 4200.27 5362.04
Other Income 391.09 445.83 452.04 409.39 474.24
Interest Expended 2271.72 2171.6 2155.26 2483.27 3434.14
Operating Expenses 902.94 846.63 1012.56 1339.66 1537.69
Total Provisions 261.14 433.01 407.43 159.18 142.49
Profit Before Tax 491.92 452.81 389.55 627.56 721.96
Taxes 153.99 117.02 102.05 162 185.99
Net Profit 337.94 335.79 287.5 465.56 535.97
Adjusted EPS (Rs.) 10.89 10.81 9.25 14.95 17.13

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 310.42 310.54 310.98 311.5 312.8
Total Reserves 3110.76 3447.1 3736.53 4251.53 4755.06
Deposits 30369.93 29703.86 34691.69 41238.91 49353.03
Borrowings 3407.95 4482.25 4081.84 4118.12 6219.48
Other Liabilities 1305.11 1657.43 1970.21 2442.73 2393.19
Total Liabilities 38505.14 39602.13 44792.56 52365.87 63036.97
Assets
Balance with RBI 1029.8 1182.89 3107.5 2030.6 2866.93
Balance with Banks 2516.07 1856.45 983.26 337.82 198.95
Investments 7741.5 8413.69 9050.65 12582.46 16210.85
Advances 25345.29 25737.2 29095.78 34378.04 40924.56
Net Block 545.87 568.51 608.36 782.67 841.1
Other Assets 1326.6 1843.39 1894.18 2210.68 1970.78
Total Assets 38505.14 39602.13 44792.56 52365.87 63036.97
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
promoters 14.77 14.75 14.73 14.72 14.70
aga khan fund for economi... 13.99 13.97 13.95 13.94 13.92
platinum jubilee investme... - - 0.78 0.78 0.78
platinum jubilee investme... 0.78 0.78 - - -
PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
investors 85.23 85.25 85.27 85.28 85.30
franklin india smaller co... 4.43 4.57 4.56 4.56 4.55
hdfc small cap fund 4.46 4.92 5.29 5.28 5.27
india advantage fund s4 i... 3.99 3.98 3.98 3.97 3.97
investor education and pr... - - 1.07 1.07 1.07
llp 1.04 1.04 1.02 1.06 1.10
mirae asset banking and f... - - - 1.01 1.31
murali m natarajan - - 1.03 1.06 1.20
oman india joint investme... 2.94 2.94 2.93 2.93 2.93
sundaram mutual fund a/c ... - - 1.07 2.32 2.43
tata mutual fund - tata s... 5.18 5.18 5.17 5.17 5.16
steinberg india emerging ... 2.15 1.60 1.28 1.27 -
government pension fund g... 1.10 1.10 - - -
indiafirst life insurance... - 1.02 - - -
investor education and pr... 0.23 0.23 - - -
m n murali - 1.03 - - -
bajaj allianz life insura... 1.09 - - - -
dsp small cap fund 3.04 - - - -
lic mf large & mid cap fu... 1.50 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

DCB Bank informs about board meeting 17 Apr, 3:51 PM DCB Bank informs about newspaper advertisements 25 Jan, 3:08 PM DCB Bank - Quaterly Results 24 Jan, 5:18 PM DCB Bank - Quaterly Results 24 Jan, 5:18 PM DCB Bank - Quaterly Results 24 Jan, 5:18 PM DCB Bank informs about details of loss of certificate 28 Nov, 4:20 PM DCB Bank raises Rs 400 crore through Bonds 18 Nov, 3:14 PM DCB Bank informs about notice of postal ballot 5 Nov, 4:39 PM DCB Bank informs about press release 25 Oct, 5:04 PM DCB Bank - Quaterly Results 24 Oct, 4:45 PM DCB Bank - Quaterly Results 24 Oct, 4:45 PM DCB Bank - Quaterly Results 24 Oct, 4:45 PM DCB Bank informs about loss of share certificate 18 Oct, 5:34 PM DCB Bank to make additional investment in Saksham 11 Oct, 6:01 PM DCB Bank informs about compliance certificate 11 Oct, 2:48 PM DCB Bank informs about trading window closure 21 Sep, 4:28 PM DCB Bank informs about loss of share certificates 16 Aug, 5:36 PM DCB Bank informs about unaudited financial results 24 Jul, 5:25 PM DCB Bank - Quaterly Results 24 Jul, 3:32 PM DCB Bank - Quaterly Results 24 Jul, 3:32 PM DCB Bank - Quaterly Results 24 Jul, 3:32 PM DCB Bank informs about confirmation certificate 12 Jul, 11:34 AM DCB Bank informs about disclosure 5 Jul, 11:16 AM DCB Bank informs about loss of share certificates 12 Jun, 11:52 AM DCB Bank informs about loss of share certificate 18 May, 2:21 PM DCB Bank informs about allotment of equity shares under ESOPs 6 May, 11:39 AM DCB Bank reports 9% rise in Q4 net profit 24 Apr, 3:39 PM DCB Bank - Quaterly Results 24 Apr, 3:04 PM DCB Bank - Quaterly Results 24 Apr, 3:04 PM DCB Bank - Quaterly Results 24 Apr, 3:04 PM DCB Bank informs about newspaper publication 22 Mar, 5:17 PM DCB Bank informs about loss of share certificates 21 Mar, 5:24 PM DCB Bank informs about appointment of additional director 21 Mar, 4:26 PM RBI imposes penalty of Rs 63.60 lakh on DCB Bank 20 Mar, 11:30 AM DCB Bank informs about loss of share certificate 2 Mar, 3:20 PM DCB Bank informs about loss of share certificates 25 Jan, 2:24 PM DCB Bank - Quaterly Results 24 Jan, 3:40 PM DCB Bank - Quaterly Results 24 Jan, 3:40 PM DCB Bank - Quaterly Results 24 Jan, 3:40 PM DCB Bank informs about loss of share certificates 2 Jan, 4:40 PM DCB Bank informs about details of loss of certificate 1 Jan, 5:09 PM DCB Bank enters into co-lending business alliance with Easy Home Finance 20 Dec, 4:26 PM DCB Bank informs about press release 20 Dec, 4:25 PM DCB Bank informs about loss of share certificate 20 Dec, 4:05 PM DCB Bank informs about loss of share certificate 14 Dec, 4:43 PM DCB Bank informs about newspaper publication 11 Dec, 5:16 PM DCB Bank informs about allotment of ESOP 22 Nov, 1:33 PM DCB Bank submits analyst meet intimation 20 Nov, 4:50 PM DCB Bank - Quaterly Results 31 Oct, 4:48 PM DCB Bank - Quaterly Results 31 Oct, 4:48 PM

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.

DCB Bank stock price today is Rs 125.69. 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 5362.0393 Cr. revenue in the latest financial year. DCB Bank has posted outstanding revenue growth of 15.742286514632 % in last 3 Years.

  • In terms of advances, DCB Bank reported 19.0427421805648 % YOY,  rise . If you see 3 years advance growth, it stands at 16.7188338767166 %.

  • Currently, DCB Bank has a CASA ratio of 26.0215826284059 %. It’s overall cost of liability stands at 6.17956745746588 %. Also, the total deposits of DCB Bank from these accounts stood at Rs 49353.0343 Cr.

  • DCB Bank has a average ROA track record. The ROA of DCB Bank is at 0.928875785228644 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 3.23 % and 1.11 % 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 -10.4856391486645 % 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 surged and is currently at Rs 474.2371 Cr.

  • DCB Bank has a Good Capital Adequacy Ratio of 16.59 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently DCB Bank is trading at a P/B of 0.7788 . The historical average PB of DCB Bank was 0.790976519369418.

  • Share Price: - The current share price of DCB Bank is Rs 125.69. 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. 

DCB Bank's Equity and Liabilities Growth

Analyzing the balance sheet of DCB Bank from March 2020 to March 2024 reveals a consistent increase in its equity and liabilities. Notably, the share capital saw a gradual rise from Rs 310.42 Cr in March 2020 to Rs 312.80 Cr by March 2024. The total reserves swelled significantly from Rs 3,110.76 Cr to Rs 4,755.06 Cr, highlighting the bank's ability to augment its retained earnings and reserves over the years. Deposits, a critical factor for any banking institution, showcased a robust growth from Rs 30,369.93 Cr to an impressive Rs 49,353.03 Cr. The borrowing section also witnessed fluctuations but ultimately increased to Rs 6,219.48 Cr by March 2024.

DCB Bank's Asset Analysis

On the asset side of DCB Bank's balance sheet, a key observation is the substantial growth in advances from Rs 25,345.29 Cr to Rs 40,924.56 Cr, indicating the bank's expansion in lending activities. Investments climbed from Rs 7,741.50 Cr to Rs 16,210.85 Cr, underscoring the bank's strategic asset allocation and investment growth. Although there was fluctuation in balances with RBI and banks, the overall asset mix improved, aligning with the asset growth trajectory to Rs 63,036.97 Cr by March 2024.

DCB Bank's Balances and Reserves

The consistent increase in DCB Bank's reserves and balances demonstrates a stable financial reinforcement. With a clear emphasis on strengthening its core financial metrics, DCB Bank has shown prudence in managing assets, liabilities, and equity to sustain growth and stability.

This data is an analysis for the Standalone Balance sheet of the company.

Investors might also find interest in examining other variables such as stock performance on NSE/BSE, sectoral analysis, or IPOs for a broader market perspective.

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