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DCB Bank Ltd (DCBBANK)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 532772 NSE: DCBBANK Bank - Private | Small Cap | DCB Bank Share Price

₹189.35 -4.15 (-2.14%)

As on 03-Jul'26 16:59

DCB Bank Ltd (DCBBANK)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 532772 NSE: DCBBANK Bank - Private | Small Cap | DCB Bank Share Price

₹189.35 -4.15 (-2.14%)

As on 03-Jul'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹6,233 Cr.
Current Price
₹189.4
52-Week Low / High
₹119 / 206
TTM EPS
₹22.7
TTM Sales
₹7,404 Cr.
Book Value per Share
₹190.8
P/E Ratio
8.52
Higher than its 5-year historical median
Industry PE
18.7
Price to Book (P/B)
1.01
Higher than its 5-year historical median
EV/EBITDA
7.03
Lower than its 5-year historical median
Dividend Yield
0.77%
Profitability Efficiency
Return on Equity (ROE)
12.67%
Return on Capital Employed (ROCE)
10.82%
Net Interest Margin (NIM)
2.90%
Return on Assets (ROA)
0.89%
Growth Momentum
1-yr vs 3-yr growth
Deposit Growth (1 Year)
Improving versus 3-year growth rate
20.91%
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
16.61%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
11.03%
Asset Quality
CASA
22.4%
Gross NPA(%)
2.45%
Net NPA(%)
0.89%
Cost to Income Ratio
60.87%
Cost of Liabilities
6.29%
Reserves
₹5,824 Cr.
Equity
₹322.1 Cr.
Face Value
₹10
All Time Low / High
₹13.55 / 244.60

DCB Bank stock performance

Key Ratios
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Quality

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Valuation

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Price Trend

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Q.1 Is DCB Bank Ltd a good quality company?
DCB Bank Ltd is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

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We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NIM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth and Cost-to-Income ratio.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

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How does DCB Bank Ltd performance compare with that of its Peers?
Q.1 AUM Growth of DCB Bank Ltd vs Industry Peers?
DCB Bank Ltd AUM CAGR is 14.81%, compared to the 5-year industry median CAGR of 13.65%, indicating faster growth and gaining its market share.
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Q.1 Promoter shareholding and pledge status of DCB Bank Ltd?
Promoters hold 16.23% of the DCB Bank Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of DCB Bank Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 7.3% based on the current price.
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10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
DCB Bank Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26TTM
Net Interest Income (₹ Cr.)7979951,1491,2651,2871,3581,7171,9282,1072,4572,457
YoY Gr. Rt. %-24.9%15.5%10.1%1.7%5.5%26.5%12.3%9.3%16.6%-
Total Income2,3252,7233,3923,9283,9043,9654,6105,8367,2218,2608,260
YoY Gr. Rt. %-17.1%24.5%15.8%-0.6%1.6%16.3%26.6%23.7%14.4%-
Adj EPS (₹ ) 7810.510.910.89.31517.119.622.722.7
YoY Gr. Rt. %-13.7%32%3.6%-0.7%-14.4%61.6%14.6%14.3%16.1%-
BVPS (₹ )68.28392.7102.6113.6122.9137152.7172190.9190.8
YoY Gr. Rt. %-21.6%11.8%10.6%10.7%8.2%11.4%11.5%12.6%11%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)0.90.910.90.90.710.90.90.90.7
To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)0.80.70.71.22.3211.11.10.90.9
To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)-----------

CAGR ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income13.3%13.8%12.7%16.6%
Total Income15.1%16.2%21.5%14.4%
Adj EPS14%16%15%16.1%
BVPS12.1%11%11.7%11%
Share Price 6.6% 12.8% 15.5% 31.2%

Key Financial Ratios

RATIOS \ YEARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26TTM
Interest Earned / Total Income89.388.6189.6890.0488.5888.691.1291.8789.6189.6589.6
Margins To view Margins Colour Rating Guide click here ⓘ
NIM (%)3.53.43.43.53.53.23.53.22.92.92.8
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)10.810.91211.2107.811.511.912.112.710.1
Liquidity Ratio To view Liquidity Ratio Colour Rating Guide click here ⓘ
CASA (%)24.324.32421.522.926.826.42624.522.4-

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26
Income +2,3252,7233,3923,9283,9043,9654,6105,8367,2218,260
Interest Income 2,0762,4133,0413,5373,4583,5134,2005,3626,4717,404
Other Income ⓘ 249310350391446452409474751855
Expenditure +1,9072,1982,7453,1753,0183,1683,8234,9726,1846,964
Interest Expense 1,2791,4181,8922,2722,1722,1552,4833,4344,3644,948
Operating Expenses 6287818539038471,0131,3401,5381,8202,016
Provisions112133138263433407159141200319
Profit Before Tax307386507492453390628722829977
Taxes 107141181154117102162186213245
Profit After Tax 200245325338336288466536615732
Adjusted EPS (₹)7.007.9610.5110.8910.819.2514.9517.1319.5822.73
Dividend Payout Ratio (%)7.20%9.40%9.50%0%0%10.80%8.40%7.30%6.90%6.40%

Valuation of DCB Bank - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26

Equity and Liabilities

Share Capital ⓘ 285308310310311311312313314322
Total Reserves ⓘ 1,9182,4982,8053,1113,4473,7374,2524,7555,3736,208
Deposits19,28924,00728,43530,37029,70434,69241,23949,35360,03172,583
Borrowings ⓘ 1,2761,9272,7233,4084,4824,0824,1186,2199,1156,086
Minority Interest0000000000
Other Liabilities 1,2781,4821,5191,3061,6581,9722,4462,3971,9762,870
Total Liabilities ⓘ 24,04630,22235,79238,50539,60244,79352,36663,03776,81088,069

Assets

Balance with RBI 8581,1361,3171,0301,1833,1082,0312,8672,5073,212
Balance with Banks3341,2361,4762,5161,8569833381991911,008
Investments ⓘ 5,8186,2197,8447,7428,4149,05112,58216,21120,15020,378
Advances 15,81820,33723,56825,34525,73729,09634,37840,92551,04760,022
Net Block ⓘ 489494526546569608783841832949
Other Assets7308001,0601,3271,8431,8942,2111,9712,0162,460
Total Assets ⓘ 24,04630,22235,79238,50539,60244,79352,36663,03776,81088,069

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26
Cash Flow From Operating Activity ⓘ 240230-281171-1,5021,606-1,566485-4416,640
Cash Flow From Investing Activity ⓘ -71-59-76-72-79-157-165-1,858-2,792-2,141
Cash Flow From Financing Activity ⓘ 1321,0097796541,075-39882,0702,865-2,977
Net Cash Flow ⓘ 3011,180421752-5071,051-1,722697-3671,522

Financial Ratio

PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26

Operational & Financial Ratios
EPS (₹)7810.5010.9010.809.301517.1019.6022.70
DPS (₹)0.500.8010011.301.301.401.50
BVPS (₹)68.28392.7102.6113.6122.9137152.7172190.9

Margin Ratios

Yield on Advances (%)13.111.912.914.013.412.112.213.112.712.3
Yield on Investments (%)7.57.57.38.98.67.45.76.77.37.9
Cost of Liabilities (%)6.25.56.16.76.45.65.56.26.36.3
NIM (%)3.53.43.43.53.53.23.53.22.92.9
Interest Spread (%)6.96.46.87.27.16.56.76.96.46.1

Performance Ratios

ROA (%)0.90.91.00.90.90.71.00.90.90.9
ROE (%)10.810.912.011.210.07.811.511.912.112.7
ROCE (%)12.712.613.011.79.98.110.510.910.410.8

Efficiency Ratios

Cost to Income Ratio (%)60.059.856.954.548.956.063.064.063.760.9
Operating Costs to Assets (%)2.62.62.42.32.12.32.62.42.42.3

Valuation Parameters

Price/Book(x)2.52.02.20.90.90.60.80.80.70.8

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

DCB Bank Ltd FAQs

The current trading price of DCB Bank on 03-Jul-2026 16:59 is ₹189.3.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 02-Jul-2026 the market cap of DCB Bank stood at ₹6,232.5 Cr

The latest P/E ratio of DCB Bank as of 02-Jul-2026 is 8.52.

The latest P/B ratio of DCB Bank as of 02-Jul-2026 is 1.01.

The 52-week high of DCB Bank is ₹205.8 and the 52-week low is ₹119.4.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of DCB Bank is ₹7,404 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that DCB Bank Ltd is a below average quality company.

The key valuation ratios of DCB Bank Ltd's currently when compared to its past seem to suggest it is in the Fair zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of DCB Bank Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

About DCB Bank Ltd

DCB Bank is a new generation private sector bank. It is a scheduled commercial bank regulated by the Reserve Bank of India. It is professionally managed and governed. DCB Bank has contemporary technology and infrastructure including state of the art internet banking for personal as well as business banking customers.

The Bank’s network of state-of-the-art, customer friendly branches are situated across Andhra Pradesh, Bihar, Chhattisgarh, Daman, Delhi/ NCR, Goa, Gujarat, Haryana, Karnataka, Kerala, Madhya Pradesh, Maharashtra, Odisha, Punjab, Rajasthan, Silvassa, Tamil Nadu, Telangana, Uttar Pradesh, Uttarakhand and West Bengal.

The bank has deep roots in India since its inception in 1930s. Its promoter and promoter group the Aga Khan Fund for Economic Development (AKFED) & Platinum Jubilee Investments Ltd. holds below 15% stake. AKFED is an international development enterprise. It is dedicated to promoting entrepreneurship and building economically sound companies.

Business area of the bank

The bank’s business segments are Retail, micro-SME, SME, mid-Corporate, Agriculture, Commodities, Government, Public Sector, Indian Banks, Co-operative Banks and Non Banking Finance Companies (NBFC).

Awards and recognition

2016-17

  • Best Data Center Design - Data Center Summit 2016
  • Indian Express Award for Innovation - Aadhaar Based ATM
  • BFSI Digital Innovators Award - Innovative Usage of Emerging Technology
  • Finnoviti Innovation Award - Aadhaar Based ATM
  • Best Prepaid Program - Drivers of Digital Awards 2016

2017-18

  • “Innovative Company for implementation of VMWARE solution” award by VMWARE
  • “Excellence in Omni Channel Experience” award for new internet banking by IDC
  • “Finnoviti award for GST Package” by Banking Frontiers magazine
  • “Best Innovative Initiative” for Innovation Carnival at BFSI Innovative Technology Awards 2018 event, by ELETS
  • “Digital Leadership Award” at Business World Innovations event by Businessworld
  • “BFSI IT Leadership Award 2017” for being among TOP 20 Leader in BFSI sector by Exito
  • Award in the category of “Enterprise Mobility” by Express Computer
  • “Innovative CIO 17 Award” by CIOAXIS

2018-19

  • CSR Summit & Awards of UBS Forum, BFSI Category – DCB Bank was awarded for the project ‘Participatory Natural Resource Management along Watershed Lines in the Tribal Belt of South Rajasthan’.
  • Bombay Chamber Good Corporate Citizen Awards 2018 – Winner under Banking & Finance Companies category.
  • Asian Customer Engagement & Forum - ACEF Leadership Awards 2018, Excellence in CSR, Social Impact Awards - DCB Bank garnered Bronze for Best Environmental Behaviour Change Award - Project: Participatory Natural Resource Management along watershed lines in the Tribal Belt of South Rajasthan
  • Finnoviti 2018 Award for DCB Remit Initiative, in Innovation category by Banking Frontiers.
  • Top 20 BSFI Leaders Award at BFSI Innovation and Technology Summit by Exito.
  • BFSI Leadership Award at BFSI Leadership Summit by eLets.
  • Winner at BIG 50 BFSI Leaders Award Summit by Trescon.
  • NextGen Digital Leader Award at Technology and Innovation Summit by DataQuest.
  • Winner at “BIG CIO 100 Awards Summit” by Trescon.
  • Winner of “CISO Platform 100” Award by CISO Platform

2019-20

  • Awarded by Bombay Chamber of Commerce and Industry, Mumbai for ‘Sustainable Environmental Initiatives’ for CSR projects.
  • Awarded for Best CSR Project at Asian Customer Engagement & Forum - ACEF HR & CSR Forum & Awards, Mumbai.
  • “Tech Trendsetter” at India Banking Reforms Conclave & BFSI Awards
  • “Best Private Bank of the Year” by Indian Banking Summit and Awards 2019
  • “BFSI Digital Innovation Award 2020” in BFSI Technology Conclave by Indian Express
  • Award for SME Finflex Banking system at Finnoviti 2020
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