DCB Bank Ltd

DCB Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

DCB Bank Ltd

₹ 137 -1.47%
29 Apr 12:03 p.m.
dcbbank.com BSE: 532772 NSE: DCBBANK
About

DCB Bank was incorporated in 1995, by reconstituting the Development Co-operative Bank Ltd (DCBL) to Development Credit Bank Ltd as a joint-stock banking company.[1]

Key Points

Key Ratios - FY24
Capital Adequacy Ratio - 16.59% vs 17.55 in FY23
Gross NPA - 3.23% vs 3.19% in FY23
Net NPA - 1.11% vs 1.04% in FY23
CASA Ratio - 26.02% vs 26.42%
Provision Coverage Ratio: 77.30% vs 79.34% in FY23[1]
Net Interest Margin - 3.65 vs 3.93% in FY23 [2]

Website BSE NSE
  • Market Cap ₹ 4,317 Cr.
  • Current Price ₹ 137
  • High / Low ₹ 146 / 101
  • Stock P/E 7.05
  • Book Value ₹ 181
  • Dividend Yield 0.89 %
  • ROCE 7.67 %
  • ROE 11.4 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Stock is trading at 0.77 times its book value

Cons

  • Company has low interest coverage ratio.
  • Promoter holding is low: 14.7%
  • Company has a low return on equity of 11.2% over last 3 years.
  • Contingent liabilities of Rs.9,909 Cr.

* 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.

Peer comparison

Sector: Banks Industry: Banks - Private Sector

Part of BSE SmallCap Nifty Total Market BSE Allcap BSE Financial Services Nifty Microcap 250

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Quarterly Results

Figures in Rs. Crores

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
920 949 1,000 1,072 1,179 1,238 1,306 1,374 1,445 1,489 1,568 1,671 1,742
Interest 539 575 589 626 693 767 830 900 937 993 1,059 1,128 1,184
342 335 359 388 417 407 412 427 434 463 504 523 539
Financing Profit 38 39 52 58 69 64 63 47 73 34 5 20 19
Financing Margin % 4% 4% 5% 5% 6% 5% 5% 3% 5% 2% 0% 1% 1%
115 92 99 95 122 107 107 124 136 143 205 184 219
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 153 131 152 153 191 171 171 171 210 177 210 204 238
Tax % 26% 26% 26% 26% 26% 26% 26% 26% 26% 26% 26% 26% 26%
113 97 112 114 142 127 127 127 156 131 155 151 177
EPS in Rs 3.65 3.12 3.61 3.66 4.57 4.07 4.06 4.06 4.98 4.19 4.96 4.83 5.63
Gross NPA % 4.32% 4.21% 3.89% 3.62% 3.19% 3.26% 3.36% 3.43% 3.23% 3.33% 3.29% 3.11% 2.99%
Net NPA % 1.97% 1.82% 1.54% 1.37% 1.04% 1.19% 1.28% 1.22% 1.11% 1.18% 1.17% 1.18% 1.12%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
1,128 1,422 1,698 2,076 2,413 3,041 3,537 3,458 3,513 4,200 5,362 6,471
Interest 760 914 1,079 1,279 1,418 1,892 2,272 2,172 2,155 2,483 3,434 4,364
338 443 550 700 866 949 1,113 1,223 1,356 1,422 1,586 2,028
Financing Profit 31 66 70 97 129 201 152 64 1 295 342 78
Financing Margin % 3% 5% 4% 5% 5% 7% 4% 2% 0% 7% 6% 1%
139 166 220 249 310 350 391 446 452 409 474 751
Depreciation 18 23 29 39 53 44 51 57 64 77 94 0
Profit before tax 151 208 261 307 386 507 492 453 390 628 722 829
Tax % 0% 8% 26% 35% 36% 36% 31% 26% 26% 26% 26% 26%
151 191 195 200 245 325 338 336 288 466 536 615
EPS in Rs 6.05 6.78 6.84 7.00 7.96 10.51 10.89 10.81 9.25 14.95 17.13 19.58
Dividend Payout % 0% 0% 0% 7% 9% 10% 0% 0% 11% 8% 7% 7%
Compounded Sales Growth
10 Years: 16%
5 Years: 13%
3 Years: 23%
TTM: 21%
Compounded Profit Growth
10 Years: 12%
5 Years: 13%
3 Years: 29%
TTM: 15%
Stock Price CAGR
10 Years: 1%
5 Years: 12%
3 Years: 20%
1 Year: -1%
Return on Equity
10 Years: 10%
5 Years: 10%
3 Years: 11%
Last Year: 11%

Balance Sheet

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 250 282 284 285 308 310 310 311 311 312 313 314
Reserves 904 1,307 1,508 1,920 2,500 2,806 3,112 3,448 3,738 4,255 4,758 5,373
Deposits 10,390 12,674 14,926 19,289 24,007 28,435 30,370 29,704 34,692 41,239 49,353 60,031
Borrowing 795 1,099 1,148 1,276 1,927 2,723 3,408 4,482 4,082 4,118 6,219 9,115
584 771 1,252 1,276 1,481 1,518 1,305 1,657 1,970 2,443 2,393 1,976
Total Liabilities 12,923 16,132 19,119 24,046 30,222 35,792 38,505 39,602 44,793 52,366 63,037 76,810
239 237 248 489 494 526 546 569 608 783 841 898
CWIP 0 0 0 0 0 0 0 0 53 44 24 0
Investments 3,634 3,962 4,333 5,818 6,219 7,844 7,742 8,414 9,051 12,582 16,211 20,150
9,050 11,933 14,537 17,740 23,509 27,422 30,218 30,620 35,081 38,957 45,961 55,761
Total Assets 12,923 16,132 19,119 24,046 30,222 35,792 38,505 39,602 44,793 52,366 63,037 76,810

Cash Flows

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
490 -496 220 240 230 -281 171 -1,502 1,606 -1,566 -1,240 -441
-19 -29 -41 -71 -59 -76 -72 -79 -157 -165 -133 -2,792
-665 554 -6 132 1,009 779 654 1,075 -398 8 2,070 2,865
Net Cash Flow -194 30 172 301 1,180 421 752 -507 1,051 -1,722 697 -367

Ratios

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 14% 14% 12% 10% 10% 11% 10% 9% 7% 11% 11% 11%

Shareholding Pattern

Numbers in percentages

2 Recently
Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
14.85% 14.85% 14.85% 14.83% 14.82% 14.82% 14.81% 14.77% 14.75% 14.73% 14.72% 14.70%
12.45% 12.51% 12.44% 12.27% 12.30% 12.74% 13.02% 12.75% 14.65% 11.06% 10.85% 9.64%
37.62% 37.51% 39.38% 39.88% 39.70% 38.99% 34.20% 29.65% 27.61% 26.65% 27.89% 29.18%
35.07% 35.13% 33.35% 33.01% 33.19% 33.46% 37.98% 42.82% 43.00% 47.56% 46.53% 46.49%
No. of Shareholders 1,92,5761,90,6801,80,7411,80,3101,70,1861,72,6191,85,6922,48,4712,42,7492,47,9612,38,5702,34,219

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

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