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DCB Bank

DCBBANK NSE

Key Fundamentals

MicrocapPrivate BankBanks
Market Cap
₹7,239 Cr
Volatility
Moderate
P/E Ratio
9.21
EBITDA
₹1,083 Cr
Return on Equity
11.19%
Debt to Equity
0
Book Value
₹194.14
EPS
₹17.25
52W High
₹234.8
52W Low
₹122.4

Tapetide Score

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

Key Insights

Strengths

1
  • Stock is trading at 1.12 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.

Growth Rate

Revenue Growth
14.38% lower than 3Y
Net Income Growth
18.9% higher than 3Y
Cash Flow Change
—
ROE
3.52% lower than 3Y
ROCE
-0.44% lower than 3Y
EBITDA Margin (Avg.)
-0.4% lower than 3Y

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 69d ago
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 8
  • Stock trades below book value at 0.93x P/BV, offering potential margin of safety for a profitable private bank
  • 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

Anthropic anthropic claude-opus-4.6 69d ago
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.

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.

Quarterly Results

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 in Rs
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%
Figures in ₹ Crores

Profit & Loss

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 in Rs
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%
—
Figures in ₹ Crores

Balance Sheet

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
Figures in ₹ Crores

Cash Flow

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
CFO/OP
-51
13
26
24
-3
14
-59
83
-53
17
-5
133
Figures in ₹ Crores

Ratios

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

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Shareholding Pattern

DIIs32.28%Public27.99%Others10.03%FIIs13.48%Promot.16.23%As ofJun 2026

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.[1]
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 market capitalisation of DCB Bank Ltd?
DCB Bank Ltd has a market capitalisation of ₹7,239 Cr, which places it in the Mid Cap band.
What is the PE ratio of DCB Bank Ltd?
DCB Bank Ltd trades at a PE ratio of 9.21, on earnings per share of ₹17.25, against a book value of ₹194.14 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 ₹122.4 and ₹234.8.
Does DCB Bank Ltd pay dividends?
DCB Bank Ltd has a dividend yield of 0.64%.
What is the Return on Equity (ROE) of DCB Bank Ltd?
DCB Bank Ltd reported a return on equity of 11.19%. Its debt-to-equity ratio is 0.00.

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.[1]

Website dcbbank.com
CEO Mr. Praveen Achuthan Kutty B.Com., MBA
Employees 11,012
Listed 2006-10-27
Face Value ₹ 10
Issued Size 32,17,44,917

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