DCB Bank

₹130.8 2.6 | 2%

WEBSITE BSE:532772 NSE : DCBBANK 10 May, 16:01

Market Cap ₹4094 Cr.

Stock P/E 7.6

P/B 0.9

Current Price ₹130.8

Book Value ₹ 152.6

Face Value 10

52W High ₹163.4

Dividend Yield 0.96%

52W Low ₹ 110

Edit Ratio

DCB Bank Research see more...

Overview Inc. Year: 1995Industry: Bank - Private

DCB Bank Ltd presents numerous banking and monetary products and services in India. It operates through Wholesale, Retail, and Other Banking Operations segments and Treasury Operations. The Treasury Operations section engages in diverse financial markets activities undertaken on behalf of the company’s customers, proprietary buying and selling, maintenance of reserve necessities, and resource mobilization from different banks and financial institutions. The Wholesale Banking section activities comprises lending, deposit taking, and different offerings supplied to corporate clients. The Retail Banking section comprise lending, deposit taking, and other services offered to retail clients. The Other Banking Operations section presents para banking services, including third party product distribution, merchant banking, and so forth. As of May 07, 2022, it operated via a network of four hundred branches in India. It was formerly referred to as Development Credit Bank Ltd and changed its name to DCB Bank Ltd in October 2013. DCB Bank Ltd was established in 1995 and is based in Mumbai, India.

DCB Bank Share Price

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Peer Comparison

DCB Bank Quarterly Results

#(Fig in Cr.)	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Interest Earned	878	920	949	1000	1072	1179	1238	1306	1374	1445
Other Income	118	115	92	99	95	122	107	107	124	136
Total Income	996	1035	1042	1099	1167	1302	1345	1413	1498	1581
Interest Expense	533	539	575	589	626	693	767	830	900	937
Operating Expenditure	265	274	300	328	347	364	369	373	386	410
Provisions and contingencies	97	68	35	31	41	52	38	40	41	24
Operating Profit	102	153	131	152	153	191	171	171	171	210
Profit Before Tax	102	153	131	152	153	191	171	171	171	210
Provision for Tax	26	40	34	39	40	49	44	44	44	54
Profit After Tax	75	113	97	112	114	142	127	127	127	156
Adjustments	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	75	113	97	112	114	142	127	127	127	156
Adjusted Earnings Per Share	2.4	3.6	3.1	3.6	3.7	4.6	4.1	4.1	4.1	5

DCB Bank Profit & Loss

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Interest Earned	916	1128	1422	1698	2076	2413	3041	3537	3458	3513	4200	5363
Other Income	117	139	166	220	249	310	350	391	446	452	409	474
Total Income	1033	1267	1588	1919	2325	2723	3392	3928	3904	3965	4610	5837
Interest Expense	632	760	914	1079	1279	1418	1892	2272	2172	2155	2483	3434
Operating Expenditure	275	319	396	491	628	781	853	903	847	1013	1340	1538
Provisions and contingencies	24	37	69	88	111	139	140	261	433	407	159	143
Operating Profit	102	151	208	261	307	386	507	492	453	390	628	723
Profit Before Tax	102	151	208	261	307	386	507	492	453	390	628	723
Provision for Tax	0	0	17	67	107	141	181	154	117	102	162	186
Profit After Tax	102	151	191	195	200	245	325	338	336	288	466	537
Adjustments	0	0	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	102	151	191	195	200	245	325	338	336	288	466	537
Adjusted Earnings Per Share	4.1	6	6.8	6.8	7	8	10.5	10.9	10.8	9.2	14.9	17.3

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	20%	6%	12%	16%
Operating Profit CAGR	61%	8%	10%	20%
PAT CAGR	62%	11%	14%	16%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	17%	12%	-10%	8%
ROE Average	12%	10%	11%	12%
ROCE Average	11%	9%	11%	11%

DCB Bank Balance Sheet

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	1003	1154	1589	1792	2205	2808	3116	3422	3759	4049	4566
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Deposits	8364	10325	12609	14926	19289	24007	28435	30370	29704	34692	41239
Borrowings	1526	860	1164	1148	1276	1927	2723	3408	4482	4082	4118
Other Liabilities & Provisions	386	584	771	1252	1276	1481	1518	1305	1657	1970	2443
Total Liabilities	11279	12923	16132	19119	24046	30222	35792	38505	39602	44793	52366
Cash and balance with RBI	379	505	634	703	858	1136	1317	1030	1183	3108	2031
Bank Balance	504	185	85	188	334	1236	1476	2516	1856	983	338
Investments	3359	3634	3962	4333	5818	6219	7844	7742	8414	9051	12582
Advances	6586	8140	10465	12921	15818	20337	23568	25345	25737	29096	34381
Fixed Assets	236	239	237	248	489	494	526	546	569	608	783
Other Assets	211	221	749	724	730	800	1060	1327	1843	1894	2208
Total Assets	11279	12923	16132	19119	24046	30222	35792	38505	39602	44793	52366

DCB Bank Cash Flow

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	457	883	690	719	892	1192	2372	2793	3546	3039	4091
Cash Flow from Operating Activities	55	490	-496	220	240	230	-281	171	-1502	1606	-1566
Cash Flow from Investing Activities	-71	-19	-29	-41	-71	-59	-76	-72	-79	-157	-165
Cash Flow from Financing Activities	443	-665	554	-6	132	1009	779	654	1075	-398	8
Net Cash Inflow / Outflow	427	-194	30	172	301	1180	421	752	-507	1051	-1722
Closing Cash & Cash Equivalent	883	690	719	892	1192	2372	2793	3546	3039	4091	2368

DCB Bank Ratios

#	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	4.08	6.05	6.78	6.84	7	7.96	10.51	10.89	10.81	9.25	14.95
CEPS(Rs)	4.63	6.76	7.61	7.9	8.37	9.7	11.94	12.53	12.64	11.29	17.42
DPS(Rs)	0	0	0	0	0.5	0.75	1	0	0	1	1.25
Book NAV/Share(Rs)	37.83	43.88	54.39	61.19	68.22	82.96	92.72	102.57	113.55	122.91	136.95
Yield on Advances	13.91	13.86	13.59	13.14	13.13	11.87	12.91	13.95	13.44	12.07	12.22
Yield on Investments	6.26	7.37	7.31	8.08	7.54	7.5	7.32	8.89	8.63	7.42	5.71
Cost of Liabilities	6.39	6.79	6.64	6.71	6.22	5.47	6.07	6.73	6.35	5.56	5.47
NIM (Net Interest Margin)	2.63	2.96	3.36	3.41	3.49	3.44	3.36	3.45	3.46	3.21	3.48
Interest Spread	7.52	7.07	6.95	6.43	6.91	6.4	6.83	7.23	7.08	6.51	6.74
ROA(%)	1.02	1.25	1.32	1.1	0.93	0.9	0.99	0.91	0.86	0.68	0.96
ROE(%)	11.67	14.81	14.53	11.88	10.83	10.9	11.99	11.16	10.01	7.82	11.51
ROCE(%)	8.82	10.85	11.81	11.61	12.7	12.55	13.04	11.69	9.87	8.05	10.51
PER(x)	10.45	10.08	16.41	11.54	24.39	20.27	19.44	8.73	9.5	7.51	7.15
Price/Book(x)	1.13	1.39	2.05	1.29	2.5	1.95	2.2	0.93	0.9	0.56	0.78
Dividend Yield(%)	0	0	0	0	0.29	0.46	0.49	0	0	1.44	1.17
EV/Net Sales(x)	2.83	2.11	3.02	2	2.96	2.86	2.98	1.8	2.22	1.78	1.77
EV/Core EBITDA(x)	20.55	12.69	15.5	9.72	14.7	13.14	13.99	8.44	8.66	7.83	9.46
Interest Earned Growth(%)	27.77	23.16	26.07	19.41	22.24	16.22	26.05	16.28	-2.22	1.58	19.57
Net Profit Growth	85.31	48.3	26.31	1.75	2.65	22.87	32.62	3.86	-0.64	-14.38	61.93
Advances Growth	24.63	23.6	28.56	23.47	22.41	28.57	15.89	7.54	1.55	13.05	18.16
EPS Growth(%)	78.31	48.18	12.12	0.88	2.31	13.81	31.99	3.57	-0.67	-14.5	61.66
Loans/Deposits(x)	18.24	8.33	9.23	7.69	6.61	8.03	9.58	11.22	15.09	11.77	9.99
Cash/Deposits(x)	0.05	0.05	0.05	0.05	0.04	0.05	0.05	0.03	0.04	0.09	0.05
Current Ratio(x)	0.4	0.35	0.31	0.29	0.3	0.26	0.28	0.25	0.28	0.26	0.31
Quick Ratio(x)	18.24	8.33	9.23	7.69	6.61	8.03	9.58	11.22	15.09	11.77	9.99
CASA %	27.16	25	23.4	23.38	24.31	24.33	23.95	21.47	22.85	26.75	26.42

DCB Bank Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	14.87	14.86	14.85	14.85	14.85	14.83	14.82	14.81	14.8	14.77
FII	9.24	8.82	12.45	12.51	12.44	12.27	12.3	12.74	13.02	12.75
DII	39.62	38.7	37.62	37.51	39.37	39.89	39.7	38.99	34.2	29.65
Public	36.27	37.63	35.07	35.13	33.34	33.01	33.18	33.46	37.98	42.83
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	4.62	4.62	4.62	4.62	4.62	4.62	4.62	4.62	4.62	4.62
FII	2.87	2.74	3.87	3.89	3.87	3.82	3.83	3.97	4.06	3.99
DII	12.31	12.04	11.7	11.67	12.25	12.42	12.38	12.16	10.67	9.28
Public	11.27	11.7	10.91	10.93	10.38	10.28	10.34	10.44	11.86	13.4
Others	0	0	0	0	0	0	0	0	0	0
Total	31.07	31.1	31.1	31.12	31.12	31.15	31.17	31.19	31.21	31.28

Pros

Stock is trading at 0.9 times its book value

Cons

Promoter holding is low: 14.77%.
Company has a low return on equity of 10% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

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DCB Bank

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DCB Bank Research see more...

Overview Inc. Year: 1995Industry: Bank - Private

DCB Bank Share Price

Alert Data

Quarterly Price

Peer Comparison

DCB Bank Quarterly Results

DCB Bank Profit & Loss

Growth Rates

DCB Bank Balance Sheet

DCB Bank Cash Flow

DCB Bank Ratios

DCB Bank Shareholding Pattern

DCB Bank News

Top Unlisted Companies & InstaBuy Companies

IPO

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