DCB Bank Ltd Stock Analysis

BSE: 532772 | NSE: DCBBANK | Bank - Private | Small Cap

BSE Share Price 29-Sep-2023 18:02
124.75 1.00 (0.81%)

DeciZen - Make an Informed Decision on DCB Bank

Overall Rating

1. Quality

2. Valuation

Somewhat Undervalued

3. Price Trend

Semi Strong

DCB Bank Price Chart

P/E Ratio (SA):
Market Cap:
3,891.2 Cr.
52-wk low:
52-wk high:
Bole Toh?

1. Is DCB Bank Ltd a good quality company?

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

2. Is DCB Bank Ltd undervalued or overvalued?

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

3. Is DCB Bank Ltd a good buy now?

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.

10 Year X-Ray of DCB Bank:

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 performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
Net Interest Income (₹ Cr.)3685086207979951,1491,2651,2871,3581,7171,814
YoY Gr. Rt. %-38%21.9%28.7%24.9%15.5%10.1%1.7%5.5%26.5%-
Total Income1,2671,5881,9192,3252,7233,3923,9283,9043,9654,6104,913
YoY Gr. Rt. %-25.4%20.8%21.2%17.1%24.5%15.8%-0.6%1.6%16.3%-
Adj EPS (₹ )
YoY Gr. Rt. %-12.1%0.9%2.3%13.7%32%3.6%-0.7%-14.4%61.6%-
BVPS (₹ )43.954.461.268.28392.7102.6113.6122.9137140.9
YoY Gr. Rt. %-24%12.5%11.5%21.6%11.8%10.6%10.7%8.2%11.4%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
To view Net NPA to Net Advances (%) Colour Rating Guide click here
Net NPA to Net Advances (%)0.910.
To view Capital Adequacy Ratio (%) Colour Rating Guide click here
Capital Adequacy Ratio (%)-----------


CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income18.7%11.5%10.7%26.5%
Total Income15.4%11.1%5.5%16.3%
Adj EPS10.6%13.4%11.1%61.6%
Share Price 10.2% -3% 16.1% 21.5%

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Interest Earned / Total Income89.0689.5788.5189.388.6189.6890.0488.5888.691.1291.4
Margins To view Margins Colour Rating Guide click here
NIM (%)
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)14.814.511.910.810.91211.2107.811.511
Liquidity Ratio To view Liquidity Ratio Colour Rating Guide click here
CASA (%)2523.423.424.324.32421.522.926.826.4-

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 11.40%

Total Income has increased 5.48 CAGR in last 3 years

Net Profit has increased 11.14 CAGR in last 3 years

Net NPA to Net Advances has declined versus last 3 years average

Total income growth is good in last 4 quarters

No data to display

Latest Financials - DCB Bank Ltd.

Standalone Consolidated
TTM EPS (₹) 15.9 -
TTM Sales (₹ Cr.) 4,489 -
BVPS (₹.) 140.9 -
Reserves (₹ Cr.) 4,082 -
P/BV 0.89 -
PE 7.86 -
From the Market
52 Week Low / High (₹) 95.55 / 141.20
All Time Low / High (₹) 13.55 / 244.60
Market Cap (₹ Cr.) 3,891
Equity (₹ Cr.) 311.9
Face Value (₹) 10
Industry PE 21.8

Management X-Ray of DCB Bank :

Shareholding Pattern

Promoter's Holding & Share Pledging

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

Event Update

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Analyst's Notes

Key Ratios of DCB Bank

Adj EPS (Rs.)
Total Income (Cr.)
ROE (%)
BVPS (Rs.)


DCB Bank Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of DCB Bank on 29-Sep-2023 18:02 is : 124.8.
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 29-Sep-2023 18:02 the market cap of DCB Bank stood at ₹ 3,891.2.
The latest PE ratio of DCB Bank as of 29-Sep-2023 18:02 is 7.86.
The latest PB ratio of DCB Bank as of 29-Sep-2023 18:02 is 0.89
The 52-week high of DCB Bank is ₹ 141.2 and the 52-week low is ₹ 95.55.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue / sales of DCB Bank is ₹ 4,489 ( Cr.) .

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


  • 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


  • “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


  • 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


  • 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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