DCB Bank Ltd

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

DCB Bank Ltd

₹ 135 0.45%
01 Aug - close price
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 ₹ 4,252 Cr.
  • Current Price ₹ 135
  • High / Low ₹ 151 / 101
  • Stock P/E 6.63
  • Book Value ₹ 181
  • Dividend Yield 1.00 %
  • ROCE 7.67 %
  • ROE 11.4 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.75 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.12,918 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

Financial Services Financial Services Banks Private Sector Bank

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

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Quarterly Results

Figures in Rs. Crores

Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
949 1,000 1,072 1,179 1,238 1,306 1,374 1,445 1,489 1,568 1,671 1,742 1,814
Interest 575 589 626 693 767 830 900 937 993 1,059 1,128 1,184 1,233
335 359 388 417 407 412 427 434 463 504 523 539 605
Financing Profit 39 52 58 69 64 63 47 73 34 5 20 19 -24
Financing Margin % 4% 5% 5% 6% 5% 5% 3% 5% 2% 0% 1% 1% -1%
92 99 95 122 107 107 124 136 143 205 184 219 236
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 131 152 153 191 171 171 171 210 177 210 204 238 212
Tax % 26% 26% 26% 26% 26% 26% 26% 26% 26% 26% 26% 26% 26%
97 112 114 142 127 127 127 156 131 155 151 177 157
EPS in Rs 3.12 3.61 3.66 4.57 4.07 4.06 4.06 4.98 4.19 4.96 4.83 5.63 5.00
Gross NPA % 4.21% 3.89% 3.62% 3.19% 3.26% 3.36% 3.43% 3.23% 3.33% 3.29% 3.11% 2.99% 2.98%
Net NPA % 1.82% 1.54% 1.37% 1.04% 1.19% 1.28% 1.22% 1.11% 1.18% 1.17% 1.18% 1.12% 1.22%
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 TTM
1,128 1,422 1,698 2,076 2,413 3,041 3,537 3,458 3,513 4,200 5,362 6,471 6,795
Interest 760 914 1,079 1,279 1,418 1,892 2,272 2,172 2,155 2,483 3,434 4,364 4,604
338 443 550 700 866 949 1,113 1,223 1,356 1,422 1,586 1,927 2,171
Financing Profit 31 66 70 97 129 201 152 64 1 295 342 180 20
Financing Margin % 3% 5% 4% 5% 5% 7% 4% 2% 0% 7% 6% 3% 0%
139 166 220 249 310 350 391 446 452 409 474 751 844
Depreciation 18 23 29 39 53 44 51 57 64 77 94 101 0
Profit before tax 151 208 261 307 386 507 492 453 390 628 722 829 863
Tax % 0% 8% 26% 35% 36% 36% 31% 26% 26% 26% 26% 26%
151 191 195 200 245 325 338 336 288 466 536 615 641
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 20.42
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: 19%
Stock Price CAGR
10 Years: 0%
5 Years: 11%
3 Years: 17%
1 Year: 9%
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 5,376
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 1,973
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
239 237 248 489 494 526 546 569 608 783 841 832
CWIP 0 0 0 0 0 0 0 0 53 44 24 66
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 -1,566 485 -441
-19 -29 -41 -71 -59 -76 -72 -79 -157 -165 -1,858 -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

Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
14.85% 14.85% 14.83% 14.82% 14.82% 14.81% 14.77% 14.75% 14.73% 14.72% 14.70% 14.69%
12.51% 12.44% 12.27% 12.30% 12.74% 13.02% 12.75% 14.65% 11.06% 10.85% 9.64% 11.69%
37.51% 39.38% 39.88% 39.70% 38.99% 34.20% 29.65% 27.61% 26.65% 27.89% 29.18% 31.79%
35.13% 33.35% 33.01% 33.19% 33.46% 37.98% 42.82% 43.00% 47.56% 46.53% 46.49% 41.82%
No. of Shareholders 1,90,6801,80,7411,80,3101,70,1861,72,6191,85,6922,48,4712,42,7492,47,9612,38,5702,34,2192,09,881

* 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.

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Documents

Announcements

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Credit ratings

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