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DCB Bank

DCBBANK NSE
₹189.55 No trade today
P/E
7.71
View as Markdown
MCP
Close 4 Nov 2026 ₹189.55 +27.29 +16.8% 1Y
Start ₹162.26

Key Fundamentals

MicrocapBanksFinancial Services

Price-based figures as of · EPS basis: Standalone · TTM

EPS (TTM)
₹24.59
Book Value
₹206.56
Market Cap
—
P/E (TTM)
7.71
P/B
0.92
ROE
12.00%
Dividend Yield
0.78%
52W High
₹234.80
52W Low
₹157.95
Volume
0
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
Debt to Equity
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › Banks › Private Bank › Private Sector Bank

DCB Bank peer comparison
HDFC Bank
₹736.7014.16₹11,37,598 Cr1.882.48%13.60%—₹3,59,956 Cr₹83,685 Cr
ICICI Bank
₹1,424.1017.28₹10,25,874 Cr2.670.84%15.90%—₹2,06,190 Cr₹62,827 Cr
Kotak Bank
₹459.4021.29₹4,58,686 Cr2.350.14%11.40%—₹73,545 Cr₹21,472 Cr
Axis Bank
₹1,232.0012.79₹3,83,779 Cr1.670.08%13.10%—₹1,41,510 Cr₹30,038 Cr
IDBI Bank
₹79.2910.26₹83,815 Cr1.322.70%14.10%—₹30,953 Cr₹8,329 Cr
Federal Bank
₹335.2015.94₹81,875 Cr2.010.36%11.60%—₹31,552 Cr₹5,387 Cr
Indusind Bank
₹865.1550.98₹66,694 Cr1.000.18%1.36%—₹45,297 Cr₹1,322 Cr
DCB Bank (this company)
₹189.557.71₹6,044 Cr0.920.78%12.00%—₹7,575 Cr₹788 Cr
Median 8 companies₹598.0515.05₹2,33,797 Cr1.780.57%12.55%—₹59,421 Cr₹14,901 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

54 Average

Data confidence 100/100

Category scores

Quality
47
Average
Returns, margins, earnings quality 22% weight
Valuation
71
Strong
Cheap vs sector & own history 24% weight
Growth
73
Strong
Sales & profit trajectory 9% weight
Financial Health
17
Poor
Solvency, leverage, coverage 9% weight
Momentum
47
Average
Trend strength, vol-adjusted 12% weight
Ownership
51
Average
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

1
  • Stock is trading at 1.02 times its book value

Weaknesses

4
  • Company has low interest coverage ratio.
  • Promoter holding is low: 16.2%
  • Company has a low return on equity of 11.5% over last 3 years.
  • Contingent liabilities of Rs.21,378 Cr.

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bearish1153
OscillatorsNeutral252
Moving AveragesStrong Bearish901

Key readings

RSI (14)
39.55
Neutral
MACD (12,26,9)
−5.37
Bearish
SMA (50)
209.72
Bearish
SMA (200)
190.75
Bearish

As of

Analyst Rating

Based on 18 analysts
BUY94%

17 of 18 analysts rate Buy, 1 Hold, 0 Sell.

As of

BUY
17
94%
HOLD
1
6%
SELL
0
0%

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
10Y+15.87%
5Y+16.45%
3Y+20.80%
1Y+14.42%
TTM+11.48%

Net profit

Net profit growth by window
10Y+14.14%
5Y+16.85%
3Y+16.25%
1Y+19.02%
TTM+23.12%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2017₹2,076 Cr
Mar 2018₹2,413 Cr
Mar 2019₹3,041 Cr
Mar 2020₹3,537 Cr
Mar 2021₹3,458 Cr
Mar 2022₹3,513 Cr
Mar 2023₹4,200 Cr
Mar 2024₹5,362 Cr
Mar 2025₹6,471 Cr
Mar 2026₹7,404 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹200 Cr
Mar 2018₹245 Cr
Mar 2019₹325 Cr
Mar 2020₹338 Cr
Mar 2021₹336 Cr
Mar 2022₹288 Cr
Mar 2023₹466 Cr
Mar 2024₹536 Cr
Mar 2025₹615 Cr
Mar 2026₹732 Cr

Analyst Forecasts

Forecast For
FY27 consensus · EPS
₹29.12 +26.6% vs FY26
Reported High Mean Low

AI Analysis — Bull vs Bear

Generated 6 Jul 2026
AI opinion · based on fundamentals
Risk medium

DCB Bank Ltd is a small-cap private sector bank with a market cap of Rs.6,041 Cr, trading at a PE of 8.3x and 0.98x book value. The bank has delivered 16% compounded sales growth over 10 years and 14% compounded profit growth over the same period, though ROE remains modest at around 12% and promoter holding is relatively low at 16.2%.

Bull Case 7
  • PE ratio of 8.3x is significantly below the private banking sector average, indicating undemanding valuations
  • Compounded sales growth of 16% over 10 years demonstrates consistent revenue expansion across cycles
  • Compounded profit growth of 17% over 5 years outpaces revenue growth, indicating improving operational efficiency
  • TTM profit growth of 19% shows accelerating earnings momentum in the most recent period
  • Stock CAGR of 32% over the past 1 year reflects strong recent re-rating by the market
  • Consistent ROE of 11-12% across 3, 5, and 10-year periods indicates earnings stability without significant volatility
  • TTM revenue growth of 14% indicates the bank continues to grow its loan book and interest income
Bear Case 8
  • Promoter holding is low at 16.2%, raising concerns about management alignment and vulnerability to hostile actions
  • Contingent liabilities of Rs.21,378 Cr are approximately 3.5x the bank's market cap of Rs.6,041 Cr, posing material off-balance-sheet risk
  • Low interest coverage ratio suggests the bank's earnings buffer against debt servicing costs is thin
  • ROE of 11.5% over 3 years is below the 15%+ threshold typically expected from well-run private banks
  • 10-year stock CAGR of only 6% indicates prolonged underperformance and limited long-term wealth creation for shareholders
  • Dividend yield of 0.77% provides minimal income return to shareholders despite consistent profitability
  • Market cap of Rs.6,041 Cr classifies it as a small bank, limiting institutional interest and liquidity compared to larger peers
  • P/BV below 1x at 0.98 may also signal market skepticism about the bank's asset quality or growth prospects

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

121d ago

TL;DR: DCB Bank is showing steady governance with a new RBI-approved chairman, shareholder-approved dividend, and clean promoter holdings. The QIP authorization signals potential capital raising for growth. No material headwinds are visible in recent filings. The trend is stable with a mildly positive tilt as the bank positions for balance sheet expansion.

Positives 2
  • Dividend and QIP approved Jul 3

    Shareholders approved Rs.1.45 per share dividend and authorized fund raising via QIP at the 31st AGM held on July 03, 2026.

  • New Non-Executive Chairman appointed Jun 12

    Pushan Mahapatra appointed Non-Executive Part-time Chairman effective June 12, 2026, with RBI approval and term running until March 09, 2029.

Neutral 3
  • Promoter confirms no share encumbrance Jun 20

    Aga Khan Fund for Economic Development S.A. declared zero encumbrance on DCB Bank shares for FY ended March 31, 2026, per SEBI norms.

  • Trading window closed for Q1FY27 Jun 15

    Trading window closed from June 16, 2026, until 48 hours after Q1FY27 results declaration, in compliance with SEBI insider trading regulations.

  • BRSR filed for FY 2025-26 Jun 12

    DCB Bank filed its Business Responsibility and Sustainability Report for FY 2025-26, disclosing ESG initiatives and financial penalties.

Quarterly Results

₹ Cr
DCBBANK quarterly results, ₹ crore
Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
1,238
1,306
1,374
1,445
1,489
1,568
1,671
1,742
1,814
1,823
1,861
1,907
1,984
Expenses
407
412
427
434
463
504
523
539
605
539
597
594
593
Financing Profit
64
63
47
73
34
5
20
19
−24
57
27
62
91
Fin. Margin %
5%
5%
3%
5%
2%
0%
1%
1%
−1%
3%
1%
3%
5%
Other Income
107
107
124
136
143
205
184
219
236
186
221
212
196
Interest
767
830
900
937
993
1,059
1,128
1,184
1,233
1,227
1,236
1,252
1,300
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
171
171
171
210
177
210
204
238
212
243
249
273
287
Tax %
26%
26%
26%
26%
26%
26%
26%
26%
26%
24%
26%
25%
26%
Net Profit
127
127
127
156
131
155
151
177
157
184
185
206
213
EPS (₹)
4.07
4.06
4.06
4.98
4.19
4.96
4.83
5.63
5
5.84
5.74
6.39
6.62
Gross NPA %
3.26%
3.36%
3.43%
3.23%
3.33%
3.29%
3.11%
2.99%
2.98%
2.91%
2.72%
2.45%
2.43%
Net NPA %
1.19%
1.28%
1.22%
1.11%
1.18%
1.17%
1.18%
1.12%
1.22%
1.21%
1.1%
0.89%
0.84%

Profit & Loss

₹ Cr
DCBBANK profit and loss, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
1,422
1,698
2,076
2,413
3,041
3,537
3,458
3,513
4,200
5,362
6,471
7,404
7,575
Expenses
443
550
700
866
949
1,113
1,223
1,356
1,422
1,586
1,927
2,228
2,323
Financing Profit
66
70
97
129
201
152
64
1
295
342
180
228
237
Fin. Margin %
5%
4%
5%
5%
7%
4%
2%
0%
7%
6%
3%
3%
3%
Other Income
166
220
249
310
350
391
446
452
409
474
751
855
815
Interest
914
1,079
1,279
1,418
1,892
2,272
2,172
2,155
2,483
3,434
4,364
4,948
5,015
Depreciation
23
29
39
53
44
51
57
64
77
94
101
106
0
PBT
208
261
307
386
507
492
453
390
628
722
829
977
1,052
Tax %
8%
26%
35%
36%
36%
31%
26%
26%
26%
26%
26%
25%
—
Net Profit
191
195
200
245
325
338
336
288
466
536
615
732
788
EPS (₹)
6.78
6.84
7
7.96
10.51
10.89
10.81
9.25
14.95
17.13
19.58
22.73
24.59
Div. Payout %
0%
0%
7%
9%
10%
0%
0%
11%
8%
7%
7%
6%
—

Balance Sheet

₹ Cr
DCBBANK balance sheet, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
282
284
285
308
310
310
311
311
312
313
314
322
Reserves
1,307
1,508
1,920
2,500
2,806
3,112
3,448
3,738
4,255
4,758
5,376
6,213
Borrowing
1,099
1,148
1,276
1,927
2,723
3,408
4,482
4,082
4,118
6,219
9,115
6,086
Deposits
12,674
14,926
19,289
24,007
28,435
30,370
29,704
34,692
41,239
49,353
60,031
72,583
Other Liabilities
771
1,252
1,276
1,481
1,518
1,305
1,657
1,970
2,443
2,393
1,973
2,865
Total Liabilities
16,132
19,119
24,046
30,222
35,792
38,505
39,602
44,793
52,366
63,037
76,810
88,069
Fixed Assets
237
248
489
494
526
546
569
608
783
841
832
949
CWIP
0
0
0
0
0
0
0
53
44
24
66
41
Investments
3,962
4,333
5,818
6,219
7,844
7,742
8,414
9,051
12,582
16,211
20,150
20,378
Other Assets
11,933
14,537
17,740
23,509
27,422
30,218
30,620
35,081
38,957
45,961
55,761
66,702
Total Assets
16,132
19,119
24,046
30,222
35,792
38,505
39,602
44,793
52,366
63,037
76,810
88,069

Cash Flow

₹ Cr
DCBBANK cash flow, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
−496
220
240
230
−281
171
−1,502
1,606
−1,566
485
−441
6,640
Investing
−29
−41
−71
−59
−76
−72
−79
−157
−165
−1,858
−2,792
−2,141
Financing
554
−6
132
1,009
779
654
1,075
−398
8
2,070
2,865
−2,977
Net Cash Flow
30
172
301
1,180
421
752
−507
1,051
−1,722
697
−367
1,522
Free Cash Flow
−525
179
169
171
−358
99
−1,582
1,449
−1,730
352
−576
6,551

Ratios

DCBBANK financial ratios, annual
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
14%
12%
10%
10%
11%
10%
9%
7%
11%
11%
11%
12%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view DCB Bank insights

81 extracted metrics across FY09–FY27.

Shareholding Pattern

As of Sep 2026

  • DIIs 30.41%
  • Public 27.66%
  • Promoters 16.22%
  • FIIs 15.47%
  • Others 10.25%

No promoter shares pledged as of Sep 2026

Change vs previous quarter

Not shown for some quarters: Others. Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

Documents

Frequently Asked Questions about DCB Bank

What does DCB Bank Ltd do?
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.
Where is DCB Bank Ltd (DCBBANK) listed?
DCB Bank Ltd trades as DCBBANK on the NSE and under code 532772 on the BSE.
Which sector does DCB Bank Ltd belong to?
DCB Bank Ltd is classified under the Banks sector, in the Private Bank industry.
What is the PE ratio of DCB Bank Ltd?
DCB Bank Ltd trades at a PE ratio of 7.71 as of 4 Nov 2026, on earnings per share of ₹24.59, against a book value of ₹206.56 per share.
What is the 52-week high and low of DCB Bank Ltd?
Over the last 52 weeks DCB Bank Ltd has traded between ₹157.95 and ₹234.8 as of 4 Nov 2026.
Does DCB Bank Ltd pay dividends?
DCB Bank Ltd has a dividend yield of 0.78%.
What is the Return on Equity (ROE) of DCB Bank Ltd?
DCB Bank Ltd reported a return on equity of 12.00%.

Company Information

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.

Website dcbbank.com
CEO Mr. Praveen Achuthan Kutty B.Com., MBA
Employees 11,012
Listed 27 Oct 2006
Face Value ₹10

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