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SummaryLatest NewsSector ComparisonEarnings ReportRevenue & GrowthPeersIncome StatementBalance SheetCash Flow
DCBBANK

DCBBANK - DCB Bank Limited Share Price

Banks

₹173.60-2.56(-1.45%)
Market Closed as of Dec 24, 2025, 15:30 IST
Pros

Growth: Awesome revenue growth! Revenue grew 21.4% over last year and 88.7% in last three years on TTM basis.

Balance Sheet: Strong Balance Sheet.

Size: Market Cap wise it is among the top 20% companies of india.

Smart Money: Smart money has been increasing their position in the stock.

Profitability: Recent profitability of 9% is a good sign.

Buy Backs: Company has bought back it's stock in the past which is a good thing.

Cons

Past Returns: In past three years, the stock has provided 8.4% return compared to 12.2% by NIFTY 50.

Momentum: Stock is suffering a negative price momentum. Stock is down -8.8% in last 30 days.

Valuation

Market Cap5.31 kCr
Price/Earnings (Trailing)7.51
Price/Sales (Trailing)0.67
EV/EBITDA0.94
Price/Free Cashflow-1.32
MarketCap/EBT5.92
Enterprise Value5.31 kCr

Fundamentals

Revenue (TTM)7.87 kCr
Rev. Growth (Yr)13.3%
Earnings (TTM)669.68 Cr
Earnings Growth (Yr)18.3%

Profitability

Operating Margin15%
EBT Margin11%
Return on Equity0.85%
Return on Assets0.85%
Free Cashflow Yield-75.77%

Price to Sales Ratio

Latest reported: 0.7

Revenue (Last 12 mths)

Latest reported: 7.9 kCr

Net Income (Last 12 mths)

Latest reported: 669.7 Cr

Growth & Returns

Price Change 1W-1.6%
Price Change 1M-8.8%
Price Change 6M18.1%
Price Change 1Y34.8%
3Y Cumulative Return8.4%
5Y Cumulative Return7.1%
7Y Cumulative Return0.40%
10Y Cumulative Return7.7%

Cash Flow & Liquidity

Cash Flow from Investing (TTM)-134.74 Cr
Cash Flow from Operations (TTM)-3.1 kCr
Cash Flow from Financing (TTM)2.87 kCr
Free Cash Flow (TTM)-3.1 kCr
Free Cash Flow/Share (TTM)-98.51

Balance Sheet

Total Assets78.89 kCr
Shareholder Equity78.89 kCr

Capital Structure & Leverage

Debt Ratio0.00
Debt/Equity0.00
Interest Coverage-0.81
Interest/Cashflow Ops0.33

Dividend & Shareholder Returns

Dividend/Share (TTM)1.35
Dividend Yield0.80%
Shares Dilution (1Y)0.50%
Shares Dilution (3Y)1.3%
Pros

Growth: Awesome revenue growth! Revenue grew 21.4% over last year and 88.7% in last three years on TTM basis.

Balance Sheet: Strong Balance Sheet.

Size: Market Cap wise it is among the top 20% companies of india.

Smart Money: Smart money has been increasing their position in the stock.

Profitability: Recent profitability of 9% is a good sign.

Buy Backs: Company has bought back it's stock in the past which is a good thing.

Cons

Past Returns: In past three years, the stock has provided 8.4% return compared to 12.2% by NIFTY 50.

Momentum: Stock is suffering a negative price momentum. Stock is down -8.8% in last 30 days.

The Good, Bad and Ugly
Growth
Measures how quickly a company is expanding through metrics like revenue growth, earnings growth, and cash flow growth over time. Strong growth can indicate future potential.
Profitability
Shows how efficiently a company turns business activities into profit, using metrics like profit margins, return on equity (ROE), and return on assets (ROA).
Size
Indicates the company's market presence through metrics like market capitalization, total assets, and revenue. Size can influence stability and market influence.
Dilution Rank
Tracks how much the company's shares have increased or decreased over time. Lower dilution means existing shareholders maintain stronger ownership stakes.
Balance Sheet
Evaluates the company's financial health by analyzing assets, debts, and equity. A strong balance sheet indicates financial stability and flexibility.
Momentum
Measures the strength and speed of price movements, showing whether the stock is gaining or losing market favor over different time periods.
Technicals
Analyzes price patterns, trading volumes, and other market indicators to identify potential trading opportunities and market trends.
Smart Money
Tracks the investment activities of institutional investors, hedge funds, and other large financial players who often have deep research capabilities.
Insider Trading
Monitors buying and selling of company shares by executives, directors, and other insiders who may have unique insights into the company's prospects.

Investor Care

Dividend Yield0.80%
Dividend/Share (TTM)1.35
Shares Dilution (1Y)0.50%

Financial Health

Debt/Equity0.00

Technical Indicators

RSI (14d)22.46
RSI (5d)25.83
RSI (21d)36.07
MACD SignalSell
Stochastic Oscillator SignalBuy
Grufity SignalBuy
RSI SignalBuy
RSI5 SignalBuy
RSI21 SignalHold
SMA 5 SignalBuy
SMA 10 SignalSell
SMA 20 SignalSell
SMA 50 SignalBuy
SMA 100 SignalBuy

Summary of Latest Earnings Report from DCB Bank

Summary of DCB Bank's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.

Last updated:

Last updated:

Revenue Breakdown

Analysis of DCB Bank's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.

No revenue data available.

Share Holdings

Understand DCB Bank ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.

Holding Pattern

Share Holding Details

Shareholder NameHolding %
Aga Khan Fund For Economic Development SA13.88%
Tata Mutual Fund - Tata Small Cap Fund (All Schemes)5.14%
Franklin India Smaller Companies Fund (All Schemes)4.54%
Bandhan Small Cap Fund4.31%
Sundaram Mutual Fund A/C Sundaram Financial Services Opportunities Fund4.05%
India Advantage Fund S4 I3.96%
Oman India Joint Investment Fund II2.92%
Mirae Asset Banking And Financial Services Fund1.83%
Murali M Natarajan1.24%
Mahindra Manulife Small Cap Fund1.16%
IndiaFirst Life Insurance Co Ltd.1.03%
Platinum Jubilee Investments Limited0.78%

Overall Distribution

Distribution across major stakeholders

Ownership Distribution

Distribution across major institutional holders

Is DCB Bank Better than it's peers?

Detailed comparison of DCB Bank against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.

Ticker
Name
Mkt Cap
Revenue
Price %, 1M
Returns, 1Y
P/E
P/S
Rev 1-Yr
Inc 1-Yr
FEDERALBNKFederal Bank65.88 kCr32.99 kCr+8.90%+33.30%12.422--
RBLBANKRBL Bank18.41 kCr18.04 kCr-3.00%+82.70%22.351.02--
SOUTHBANKSouth Indian Bank10.47 kCr11.67 kCr-2.60%+58.70%5.870.9--
KTKBANKKarnataka Bank7.58 kCr10.36 kCr+13.80%-5.80%5.690.73--

Sector Comparison: DCBBANK vs Banks

Comprehensive comparison against sector averages

Comparative Metrics

DCBBANK metrics compared to Banks

CategoryDCBBANKBanks
PE 7.5119.28
PS0.672.77
Growth21.4 %5.4 %
0% metrics above sector average
Key Insights
  • 1. DCBBANK is NOT among the Top 10 largest companies in Private Sector Bank.
  • 2. The company holds a market share of 0.6% in Private Sector Bank.
  • 3. In last one year, the company has had an above average growth that other Private Sector Bank companies.

Income Statement for DCB Bank

Standalone figures (in Rs. Crores)
Description(%) Q/QMar-2025Mar-2024Mar-2023Mar-2022Mar-2021Mar-2020
Interest or discount on advances or bills20.3%5,0994,2383,3952,8322,7862,843
Revenue on investments24.8%1,3101,050708594583623
Interest on balances with RBI and others0%323264545437
Other interest-31.7%294234333634
Total interest earned20.7%6,4715,3624,2003,5133,4583,537
Other income58.6%751474409452458391
Total income23.7%7,2215,8364,6103,9653,9173,928
Total expenditure24.4%6,1844,9723,8233,1683,0183,175
Interest expended27.1%4,3643,4342,4832,1552,1722,272
Employees cost16.3%923794693539434459
Other operating expenses20.8%897743647473413444
Operating expenses18.3%1,8201,5381,3401,013847903
Operating profit20%1,037864787797898753
Provisions other than tax and contingencies46.8%208142159407446261
Profit before tax14.8%829722628390453492
Tax expense14.6%213186162102117154
Profit after tax14.8%615536466288336338
Net profit (loss) for the period14.8%615536466288336338
Reserve excluding revaluation reserves-5,090-----
CET 1 ratio-0.3%0.1430.14530.15180.15970.15490.139
Additional tier 1 ratio-0.024700000
Gross non performing assets14.9%1,5541,3531,1231,2901,083632
Non performing assets26%572454357573594294
Return on assets0%0890930970708709
Description(%) Q/QSep-2025Jun-2025Mar-2025Dec-2024Sep-2024Jun-2024
Interest or discount on advances or bills0.8%1,4421,4301,3851,3221,2261,165
Revenue on investments-0.3%367368341335326309
Interest on balances with RBI and others-12.5%7.538.468.576.698.957.66
Other interest-8.5%6.476.986.777.27.57.63
Total interest earned0.5%1,8231,8141,7421,6711,5681,489
Other income-21.3%186236219184205143
Total income-2%2,0092,0501,9611,8551,7731,632
Total expenditure-1%1,7051,7231,6551,5841,5181,427
Interest expended-0.5%1,2271,2331,1841,1281,059993
Employees cost-3.2%243251231231235225
Other operating expenses-1.7%235239240225224209
Operating expenses-2.5%478490471456459434
Operating profit-7.1%304327305271255205
Provisions other than tax and contingencies-47.4%6111567674628
Profit before tax14.7%243212238204210177
Tax expense9.4%595461525446
Profit after tax17.3%184157177151155131
Net profit (loss) for the period17.3%184157177151155131
Reserve excluding revaluation reserves-------
CET 1 ratio-0.3%0.13970.1420.1430.13540.13650.14
Additional tier 1 ratio-000.0247000
Gross non performing assets0.9%1,5681,5541,5541,5171,4971,435
Non performing assets2.6%641625572562521499
Return on assets0.1%0940810950860082

Balance Sheet for DCB Bank

Standalone figures (in Rs. Crores)
Description(%) Q/QSep-2025Mar-2025Sep-2024Mar-2024Sep-2023Mar-2023
Total assets2.7%78,89076,810689,552,200,00063,03757,71052,366
Cash balances with RBI-8.9%2,2842,5072,7002,8672,5732,031
Investments1.7%20,49620,15018,20516,21114,67612,582
Advances3.8%52,97551,04744,46540,92537,27634,381
Fixed assets-0.6%893898891865859826
Other assets0.5%2,0262,0162,2701,9712,2072,208
Capital-0.6%315317314316312315
Reserves and surplus5.3%5,6585,3735,0384,7554,4724,252
Deposits7.9%64,77760,03154,53249,35345,49641,239
Borrowings-35%5,9299,1156,8206,2195,1904,118
Other liabilities and provisions12.1%2,2121,9732,2522,3932,2402,443
Total capital and liabilities2.7%78,89076,81068,95563,03757,71052,366

Cash Flow for DCB Bank

Standalone figures (in Rs. Crores)
Description(%) Q/QMar-2025Mar-2024Mar-2023Mar-2022Mar-2021Mar-2020
Profit Before Extraord. Items And Tax14.8%829722628390--
Depreciation7.5%101947764--
Total adjustments to profit/loss4.2%345331313547--
Adjustments for Provisions-89%-4,070.43-2,152.74-2,411.23850--
Total adj. for working capital-89%-4,070.43-2,152.74-2,411.23850--
Net Cashflows From Operations-163.2%-2,896.8-1,100.18-1,471.071,787--
Income taxes paid (refund)43.9%20114095181--
Net Cashflows From Operating Activities-149.7%-3,097.97-1,239.83-1,565.721,606--
Proceeds from sales of tangible assets-76.1%1.322.341.750.86--
Purchase of tangible assets0.7%136135167157--
Net Cashflows From Investing Activities-1.4%-134.74-132.9-164.76-156.62--
Proceeds from issuing shares15.1%8.857.822.962.37--
Proceeds from issuing debt etc-400000--
Proceeds from borrowings303.1%249,02161,7832,8392,375--
Repayments of borrowings313.1%246,52659,6822,8032,775--
Dividends paid0%3939310--
Net Cashflows From Financing Activities38.4%2,8652,0708.14-398.04--
Net change in cash and cash eq.-152.9%-367.29697-1,722.341,051--

What does DCB Bank Limited do?

Private Sector Bank•Financial Services•Small Cap

DCB Bank Limited provides various banking and financial products and services in India. It operates through Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company's deposit products include current and saving, NRI, recurring, and fixed deposit accounts; and offers ATM, debit, and travel smart cards, and payment services, such as bill and utility payment, remittances, tax payment, and POS terminal services, as well as IMPS, RTGS, NEFT, and UPI services. It also provides secured lending services, including loan against property, co-lending, commercial vehicle, construction equipment and finance, dealer trade advances, kisan credit card, school finance, and retail microfinance; and home, auto, gold, tractor, and term loans, as well as trade receivables and invoice discounting system and ODTD services. In addition, the company offers corporate banking services, which include trade current accounts, foreign exchange, guarantee, import and export, letter of credit, supply chain, bill collection, and invoice discounting services; and capital management services comprising working capital and cash management services. Further, the company distributes life, general, and health insurance products, as well as mutual funds; and provides locker facility and ASBA online services. DCB Bank Limited was incorporated in 1995 and is headquartered in Mumbai, India.

Industry Group:Banks
Employees:11,268
Website:www.dcbbank.com

Important Disclosure & Data Context

This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.

Sharesguru Stock Score

DCBBANK

76/100
Sharesguru Stock Score

DCBBANK

76/100

Performance Comparison

DCBBANK vs Banks (2021 - 2025)

DCBBANK leads the Banks sector while registering a 51.5% growth compared to the previous year.