DCB Bank Ltd
DCB Bank Limited is a new generation private sector bank with 352 branches across 19 states and 3 union territories. It is a scheduled commercial bank regulated by the Reserve Bank of India. [1]
- Market Cap ₹ 4,410 Cr.
- Current Price ₹ 141
- High / Low ₹ 163 / 105
- Stock P/E 8.23
- Book Value ₹ 147
- Dividend Yield 0.89 %
- ROCE 8.32 %
- ROE 11.7 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.96 times its book value
Cons
- Company has low interest coverage ratio.
- Promoter holding is low: 14.8%
- Company has a low return on equity of 10.1% over last 3 years.
- Contingent liabilities of Rs.5,632 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
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 916 | 1,128 | 1,422 | 1,698 | 2,076 | 2,413 | 3,041 | 3,537 | 3,458 | 3,513 | 4,200 | 5,362 |
Interest | 632 | 760 | 914 | 1,079 | 1,279 | 1,418 | 1,892 | 2,272 | 2,172 | 2,155 | 2,483 | 3,434 |
286 | 338 | 443 | 550 | 700 | 866 | 949 | 1,113 | 1,223 | 1,356 | 1,422 | 1,680 | |
Financing Profit | -1 | 31 | 66 | 70 | 97 | 129 | 201 | 152 | 64 | 1 | 295 | 248 |
Financing Margin % | -0% | 3% | 5% | 4% | 5% | 5% | 7% | 4% | 2% | 0% | 7% | 5% |
117 | 139 | 166 | 220 | 249 | 310 | 350 | 391 | 446 | 452 | 409 | 474 | |
Depreciation | 14 | 18 | 23 | 29 | 39 | 53 | 44 | 51 | 57 | 64 | 77 | 0 |
Profit before tax | 102 | 151 | 208 | 261 | 307 | 386 | 507 | 492 | 453 | 390 | 628 | 722 |
Tax % | 0% | 0% | 8% | 26% | 35% | 36% | 36% | 31% | 26% | 26% | 26% | 26% |
102 | 151 | 191 | 195 | 200 | 245 | 325 | 338 | 336 | 288 | 466 | 536 | |
EPS in Rs | 4.08 | 6.05 | 6.78 | 6.84 | 7.00 | 7.96 | 10.51 | 10.89 | 10.81 | 9.25 | 14.95 | 17.13 |
Dividend Payout % | 0% | 0% | 0% | 0% | 7% | 9% | 10% | 0% | 0% | 11% | 8% | 7% |
Compounded Sales Growth | |
---|---|
10 Years: | 17% |
5 Years: | 12% |
3 Years: | 16% |
TTM: | 28% |
Compounded Profit Growth | |
---|---|
10 Years: | 13% |
5 Years: | 10% |
3 Years: | 17% |
TTM: | 15% |
Stock Price CAGR | |
---|---|
10 Years: | 9% |
5 Years: | -8% |
3 Years: | 16% |
1 Year: | 33% |
Return on Equity | |
---|---|
10 Years: | 10% |
5 Years: | 10% |
3 Years: | 10% |
Last Year: | 12% |
Balance Sheet
Figures in Rs. Crores
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 250 | 250 | 282 | 284 | 285 | 308 | 310 | 310 | 311 | 311 | 312 | |
Reserves | 753 | 904 | 1,307 | 1,508 | 1,920 | 2,500 | 2,806 | 3,112 | 3,448 | 3,738 | 4,255 | |
9,889 | 11,185 | 13,773 | 16,074 | 20,565 | 25,934 | 31,158 | 33,778 | 34,186 | 38,774 | 45,357 | ||
386 | 584 | 771 | 1,252 | 1,276 | 1,481 | 1,518 | 1,305 | 1,657 | 2,018 | 2,443 | ||
Total Liabilities | 11,279 | 12,923 | 16,132 | 19,119 | 24,046 | 30,222 | 35,792 | 38,505 | 39,602 | 44,840 | 52,366 | |
236 | 239 | 237 | 248 | 489 | 494 | 526 | 546 | 569 | 608 | 783 | ||
CWIP | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 53 | 44 | |
Investments | 3,359 | 3,634 | 3,962 | 4,333 | 5,818 | 6,219 | 7,844 | 7,742 | 8,414 | 9,098 | 12,582 | |
7,681 | 9,050 | 11,933 | 14,537 | 17,740 | 23,509 | 27,422 | 30,218 | 30,620 | 35,081 | 38,957 | ||
Total Assets | 11,279 | 12,923 | 16,132 | 19,119 | 24,046 | 30,222 | 35,792 | 38,505 | 39,602 | 44,840 | 52,366 |
Cash Flows
Figures in Rs. Crores
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
55 | 490 | -496 | 220 | 240 | 230 | -281 | 171 | -1,502 | 1,606 | -1,566 | -1,240 | |
-71 | -19 | -29 | -41 | -71 | -59 | -76 | -72 | -79 | -157 | -165 | -133 | |
443 | -665 | 554 | -6 | 132 | 1,009 | 779 | 654 | 1,075 | -398 | 8 | 2,070 | |
Net Cash Flow | 427 | -194 | 30 | 172 | 301 | 1,180 | 421 | 752 | -507 | 1,051 | -1,722 | 697 |
Ratios
Figures in Rs. Crores
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 11% | 14% | 14% | 12% | 10% | 10% | 11% | 10% | 9% | 7% | 11% |
Documents
Announcements
-
Announcement under Regulation 30 (LODR)-Change in Directorate
1d - Mr. Murali M. Natrajan has completed his tenure of 15 years as MD & CEO of the Bank at the end of business hours on …
- Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate 26 Apr
-
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
24 Apr - The audio recording of the earnings call with analysts and investors held on April 24, 2024, with respect to the financial results of the Bank …
- Intimation Of 29 Th Annual General Meeting (AGM) Of The Members Of DCB Bank Limited ('The Bank') Will Be Held On Wednesday, June 12, 2024 At 2.30 P.M. (IST) Through Video Conferencing (VC)/ Other Audio-Visual Means (OAVM). The Notice Of The AGM And Annual Report For FY 2023-24 Will Be Sent Only Through Electronic Mode To Those Members Whose Email Addresses Are Registered With The Bank/ Depository Participant(S) In Due Course. 24 Apr
- The Board Has Fixed The Record Date For Determining The Eligibility Of Members Entitled To Receive Dividend On Equity Shares As Friday, May 10, 2024. 24 Apr
Annual reports
-
Financial Year 2023
from bse
-
Financial Year 2022
from bse
-
Financial Year 2021
from bse
-
Financial Year 2020
from bse
-
Financial Year 2019
from bse
-
Financial Year 2018
from bse
-
Financial Year 2017
from bse
-
Financial Year 2016
from bse
-
Financial Year 2015
from bse
-
Financial Year 2014
from bse
-
Financial Year 2013
from bse
-
Financial Year 2012
from bse
-
Financial Year 2012
from nse
-
Financial Year 2011
from bse
-
Financial Year 2011
from nse
Concalls
-
Apr 2024TranscriptNotesPPT
-
Jan 2024Transcript PPT
-
Oct 2023Transcript PPT
-
Aug 2023Transcript PPT
-
May 2023Transcript PPT
-
May 2023TranscriptNotesPPT
-
Feb 2023Transcript PPT
-
Nov 2022Transcript PPT
-
Aug 2022Transcript PPT
-
May 2022TranscriptNotesPPT
-
Feb 2022Transcript PPT
-
Oct 2021Transcript PPT
-
Aug 2021Transcript PPT
-
May 2021Transcript PPT
-
Jan 2021TranscriptNotesPPT
-
Jan 2021Transcript PPT
-
Oct 2020Transcript PPT
-
Aug 2020Transcript PPT
-
May 2020Transcript PPT
-
Mar 2020TranscriptPPT
-
Mar 2020TranscriptPPT
-
Jan 2020Transcript PPT
-
Oct 2019Transcript PPT
-
Jul 2019Transcript PPT
-
Apr 2019TranscriptNotesPPT
-
Jan 2019Transcript PPT
-
Oct 2018Transcript PPT
-
Apr 2018TranscriptNotesPPT
-
Jan 2018Transcript PPT
-
Oct 2017Transcript PPT
-
Apr 2017Transcript PPT
-
Jan 2017TranscriptNotesPPT
-
Oct 2016TranscriptNotesPPT
-
Jul 2016TranscriptNotesPPT
-
Apr 2016TranscriptNotesPPT
-
Jan 2016TranscriptNotesPPT
-
Oct 2015TranscriptNotesPPT
-
Jul 2015TranscriptNotesPPT
Key Ratios - FY23
Capital Adequacy Ratio - 17.55%
Gross NPA - 3.19%
Net NPA - 1.04%
CASA Ratio - 26.42%
Provision Coverage Ratio: 79.34% [1]
Net Interest Margin - 3.93% [1]