DCB Bank Ltd.

•

dcb.bank.inBSE: 532772NSE: DCBBANK

Market Cap₹ 7,293 Cr.

Current Price

High / Low₹ 235 / 122

Stock P/E9.3

Book Value₹ 197

Price to Book0.83

Dividend Yield0.64 %

ROCE10.8 %

ROE12.7 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Retail: 70.9% • Treasury Operations: 21.2% • Corporate: 5.7%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Comfortable capital adequacy - CAR of 16.6%
Latest quarter profit grew 35.6% YoY, showing strong momentum
Strong provisioning - provision coverage ratio of 79.8%
Healthy loan book growth of 17.6% with stable asset quality
Company has delivered good sales growth of 16.4% CAGR over last 5 years

CONS

A large part of profit comes from other income (87.5% of PBT)
Though reporting repeated profits, the company pays out little dividend (6.4%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesBankBank - Private

Part ofNIFTY MICROCAP250 NIFTY TOTAL MKT

S.No.	Name
1.	HDFCBANK	708.00	13.81	1091323.88	2.19	203826.90	1092.64	905753.30	936.66	12.81	35.64
2.	ICICIBANK	1379.15	17.65	989980.04	0.87	16209.74	12.62	52240.85	6.44	16.51	32.39
3.	KOTAKBANK	418.70	20.52	416508.36	0.16	5487.06	23.89	18354.57	6.41	12.05	19.05
4.	AXISBANK	1247.50	13.98	388399.91	0.08	7656.51	22.31	35541.96	9.87	11.04	63.88
5.	IDBI	83.44	9.63	89718.04	0.00	2130.57	5.27	7549.28	7.44	14.76	76.80
6.	FEDERALBNK	344.40	18.18	85149.33	0.35	1297.61	37.06	7861.58	9.94	10.98	66.11
7.	AUBANK	1058.00	43.57	79454.72	0.09	7959.53	1270.31	53027.42	1111.10	14.17	56.24
8.	INDUSINDBK	977.80	57.61	76184.77	0.15	1037.02	71.68	11309.94	-7.78	4.97	55.07
9.	IDFCFIRSTB	86.20	32.24	74319.14	0.29	1147.82	153.12	11051.09	14.61	5.42	38.45
10.	YESBANK	23.47	19.52	73668.68	0.00	1071.81	32.53	8054.49	5.92	8.04	58.47
11.	RBLBANK	412.80	71.21	64022.78	0.24	2342.30	993.41	38402.40	1015.97	6.49	40.95
12.	DCBBANK	226.35	9.26	7292.88	0.64	213.20	35.57	1984.31	9.41	10.82	70.10

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	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
Interest Expended	767	830	900	937	993	1,059	1,128	1,184	1,233	1,227	1,236	1,252	1,300
Net Interest Income	471	476	474	507	497	509	543	558	580	596	625	655	684
	107	107	124	136	143	205	184	219	236	186	221	212	196
Total Income	0	0	0	0	0	0	0	0	0	0	0	0	2,181
Operating Expenses	369	373	386	410	434	459	456	471	490	478	523	525	536
Operating Profit	209	211	212	234	205	255	271	305	327	304	323	342	344
Provisions & Contingencies	38	40	41	24	28	46	67	67	115	61	74	69	57
Profit before Tax	171	171	171	210	177	210	204	238	212	243	249	273	287
Tax %	25.75%	25.78%	25.76%	25.75%	25.78%	25.80%	25.74%	25.66%	25.73%	24.44%	25.73%	24.70%	25.71%
Net Profit	127	127	127	156	131	155	151	177	157	184	185	206	213
EPS	4	4	4	5	4	5	5	6	5	6	6	6	1

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	0	0	0	0	0	0	0	5,362	6,471	7,404	—
Interest Expended	1,279	1,418	1,892	2,272	2,172	2,155	2,483	3,434	4,364	4,948	5,015
Net Interest Income	-1,279	-1,418	-1,892	-2,272	-2,172	-2,155	-2,483	1,928	2,107	2,457	—
	249	310	350	391	446	452	409	474	751	855	815
Total Income	0	0	0	0	0	0	0	5,836	7,221	8,260	2,181
	0	0	0	0	0	0	0	1,538	1,820	2,016	—
Operating Profit	-1,279	-1,418	-1,892	-2,272	-2,172	-2,155	-2,483	864	1,037	1,296	—
	0	6	2	1	20	17	-5	142	208	319	—
Profit before Tax	307	386	507	492	453	390	628	722	829	977	1,052
Tax %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	25.76%	25.74%	25.12%	25.16%
Net Profit	200	245	325	338	336	288	466	536	615	732	788
EPS	0	0	0	0	11	9	15	17	20	23	—

COMPOUNDED SALES GROWTH

10 Years:: 16%
5 Years:: 16%
3 Years:: 21%

COMPOUNDED PROFIT GROWTH

10 Years:: 14%
5 Years:: 17%
3 Years:: 16%

STOCK PRICE CAGR

10 Years:: 7%
5 Years:: 19%
3 Years:: 25%
1 Year:: 79%

RETURN ON EQUITY

10 Years:: 11%
5 Years:: 11%
3 Years:: 12%
Last Year:: 13%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
LIABILITIES	-	-	-	-	-	-	-	-	-	-
Equity Capital	285	308	310	310	311	311	312	313	314	322
	1,918	2,498	2,805	3,111	3,447	3,737	4,252	4,755	5,373	6,208
	19,289	24,007	28,435	30,370	29,704	34,692	41,239	49,353	60,031	72,583
	1,276	1,927	2,723	3,408	4,482	4,082	4,118	6,219	9,115	6,086
Other Liabilities & Provisions	1,276	1,481	1,518	1,305	1,657	1,970	2,443	2,393	1,973	2,865
Total Liabilities	24,046	30,222	35,792	38,505	39,602	44,793	52,366	6	8	9
ASSETS	-	-	-	-	-	-	-	-	-	-
	858	1,136	1,317	1,030	1,183	3,108	2,031	2,867	2,507	3,212
Balances with Banks & Money at Call	334	1,236	1,476	2,516	1,856	983	338	199	191	1,008
	5,818	6,219	7,844	7,742	8,414	9,051	12,582	16,211	20,150	20,378
	15,818	20,337	23,568	25,345	25,737	29,096	34,378	40,925	51,047	60,022
	489	494	526	546	569	608	783	841	832	949
	730	800	1,060	1,327	1,843	1,894	2,211	1,971	2,016	2,460
Total Assets	24,046	30,222	35,792	38,505	39,602	44,793	52,366	6	8	9

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	240	230	-281	171	-1,502	1,606	-1,566	485	-441	6,640
Cash from Investing	-71	-59	-76	-72	-79	-157	-165	-1,858	-2,792	-2,141
Cash from Financing	132	1,009	779	654	1,075	-398	8	2,070	2,865	-2,977
	301	1,180	421	752	-507	1,051	-1,722	697	-367	1,522

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
PER SHARE
EPS (₹)	7.00	7.96	10.51	10.89	10.81	9.25	14.95	17.13	19.58	22.73
Book Value (₹)	68.22	82.96	92.72	102.57	113.55	122.91	136.95	152.74	171.96	190.93
Dividend per Share (₹)	0.50	0.75	1.00	0.00	0.00	1.00	1.25	1.25	1.35	1.45
PROFITABILITY
Net Interest Margin %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	3.20%	2.85%	2.90%
ROA %	0.93%	0.90%	0.99%	0.91%	0.86%	0.68%	0.96%	0.93%	0.88%	0.89%
ROE %	10.83%	10.90%	11.99%	11.16%	10.01%	7.82%	11.51%	11.85%	12.09%	12.67%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	64.01%	63.70%	60.87%
ASSET QUALITY
Gross NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	2.98%
Net NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.22%
Provision Coverage %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	74.04%
Slippage Ratio %	—	—	—	—	—	—	—	—	—	—
BALANCE SHEET & LIQUIDITY
CASA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	26.02%	24.52%	22.38%
Credit-Deposit Ratio %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.13%	0.15%	0.08%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	16.59%	16.77%	16.55%
GROWTH & VALUATION
Net Profit Growth %	2.65%	22.87%	32.62%	3.86%	-0.64%	-14.38%	61.93%	15.12%	14.81%	18.89%
Book Value Growth %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	11.53%	12.58%	11.03%
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	6.95x	5.72x	6.97x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.78x	0.65x	0.83x
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.05%	1.21%	0.92%

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	14.75	14.73	14.72	14.70	14.69	14.66	16.24	16.23	16.23
	14.65	11.06	10.86	9.64	11.69	10.49	11.92	12.64	13.48
	27.61	26.65	27.89	29.18	31.79	31.93	32.14	32.80	32.28
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	42.99	47.56	46.53	46.48	41.82	42.91	39.68	38.33	38.02

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-11

Copy of Newspaper Publication

2026-09-11 - DCB Bank Limited has informed the Exchange about Copy of Newspaper Publication

2026-09-09

General Updates

2026-09-09 - DCB Bank Limited has informed the Exchange about General Updates

2026-08-31

ESOP/ESOS/ESPS

2026-08-31 - DCB Bank Limited has informed the Exchange regarding Allotment of 30275 Shares.

2026-08-27

News Verification

2026-08-27 - The Exchange has sought clarification from DCB Bank Limited with respect to recent news item captioned DCB Bank in talks with PE firms for capital infusion, reports CNBC-TV18; shares rise 5.5%. The response from the Company is attached.

2026-08-26

Rumour Verification - Regulation 30(11)

2026-08-26 - DCB Bank Limited has informed the Exchange about Rumour Verification - Regulation 30(11)

2026-08-26

News Verification

2026-08-26 - The Exchange has sought clarification from DCB Bank Limited with respect to recent news item captioned DCB Bank in talks with PE firms for capital infusion, reports CNBC-TV18; shares rise 5.5%. The response from the Company is awaited.

2026-08-13

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-13 - DCB Bank Limited has informed the Exchange about Investor Conference

2026-08-07

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-07 - DCB Bank Limited has informed the Exchange about Schedule of meet

2026-08-06

General Updates

2026-08-06 - DCB Bank Limited has informed the Exchange about General Updates

News

Recent coverage and analyst commentary for DCBBANK

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DCB Bank Ltd.

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Free 5nance Account

Name

HDFCBANK

708.00

13.81

1091323.88

2.19

203826.90

1092.64

905753.30

936.66

12.81

35.64

ICICIBANK

1379.15

17.65

989980.04

0.87

16209.74

12.62

52240.85

6.44

16.51

32.39

KOTAKBANK

418.70

20.52

416508.36

0.16

5487.06

23.89

18354.57

6.41

12.05

19.05

AXISBANK

1247.50

13.98

388399.91

0.08

7656.51

22.31

35541.96

9.87

11.04

63.88

IDBI

83.44

9.63

89718.04

0.00

2130.57

5.27

7549.28

7.44

14.76

76.80

FEDERALBNK

344.40

18.18

85149.33

0.35

1297.61

37.06

7861.58

9.94

10.98

66.11

AUBANK

1058.00

43.57

79454.72

0.09

7959.53

1270.31

53027.42

1111.10

14.17

56.24

INDUSINDBK

977.80

57.61

76184.77

0.15

1037.02

71.68

11309.94

-7.78

4.97

55.07

IDFCFIRSTB

86.20

32.24

74319.14

0.29

1147.82

153.12

11051.09

14.61

5.42

38.45

YESBANK

23.47

19.52

73668.68

0.00

1071.81

32.53

8054.49

5.92

8.04

58.47

RBLBANK

412.80

71.21

64022.78

0.24

2342.30

993.41

38402.40

1015.97

6.49

40.95

DCBBANK

226.35

9.26

7292.88

0.64

213.20

35.57

1984.31

9.41

10.82

70.10

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

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

Interest Expended

767

830

900

937

993

1,059

1,128

1,184

1,233

1,227

1,236

1,252

1,300

Net Interest Income

471

476

474

507

497

509

543

558

580

596

625

655

684

107

124

136

143

205

184

219

236

186

221

212

196

Total Income

2,181

Operating Expenses

369

373

386

410

434

459

456

471

490

478

523

525

536

Operating Profit

209

211

212

234

205

255

271

305

327

304

323

342

344

Provisions & Contingencies

115

Profit before Tax

171

210

177

210

204

238

212

243

249

273

287

Tax %

25.75%

25.78%

25.76%

25.75%

25.78%

25.80%

25.74%

25.66%

25.73%

24.44%

25.73%

24.70%

25.71%

Net Profit

127

156

131

155

151

177

157

184

185

206

213

EPS

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

5,362

6,471

7,404

—

Interest Expended

1,279

1,418

1,892

2,272

2,172

2,155

2,483

3,434

4,364

4,948

5,015

Net Interest Income

-1,279

-1,418

-1,892

-2,272

-2,172

-2,155

-2,483

1,928

2,107

2,457

—

249

310

350

391

446

452

409

474

751

855

815

Total Income

5,836

7,221

8,260

2,181

1,538

1,820

2,016

—

Operating Profit

-1,279

-1,418

-1,892

-2,272

-2,172

-2,155

-2,483

864

1,037

1,296

—

-5

142

208

319

—

Profit before Tax

307

386

507

492

453

390

628

722

829

977

1,052

Tax %

0.00%

25.76%

25.74%

25.12%

25.16%

Net Profit

200

245

325

338

336

288

466

536

615

732

788

EPS

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

LIABILITIES

Equity Capital

285

308

310

311

312

313

314

322

1,918

2,498

2,805

3,111

3,447

3,737

4,252

4,755

5,373

6,208

19,289

24,007

28,435

30,370

29,704

34,692

41,239

49,353

60,031

72,583

1,276

1,927

2,723

3,408

4,482

4,082

4,118

6,219

9,115

6,086

Other Liabilities & Provisions

1,276

1,481

1,518

1,305

1,657

1,970

2,443

2,393

1,973

2,865

Total Liabilities

24,046

30,222

35,792

38,505

39,602

44,793

52,366

ASSETS

858

1,136

1,317

1,030

1,183

3,108

2,031

2,867

2,507

3,212

Balances with Banks & Money at Call

334

1,236

1,476

2,516

1,856

983

338

199

191

1,008

5,818

6,219

7,844

7,742

8,414

9,051

12,582

16,211

20,150

20,378

15,818

20,337

23,568

25,345

25,737

29,096

34,378

40,925

51,047

60,022

489

494

526

546

569

608

783

841

832

949

730

800

1,060

1,327

1,843

1,894

2,211

1,971

2,016

2,460

Total Assets

24,046

30,222

35,792

38,505

39,602

44,793

52,366

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

240

230

-281

171

-1,502

1,606

-1,566

485

-441

6,640

Cash from Investing

-71

-59

-76

-72

-79

-157

-165

-1,858

-2,792

-2,141

Cash from Financing

132

1,009

779

654

1,075

-398

2,070

2,865

-2,977

301

1,180

421

752

-507

1,051

-1,722

697

-367

1,522

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

PER SHARE

EPS (₹)

7.00

7.96

10.51

10.89

10.81

9.25

14.95

17.13

19.58

22.73

Book Value (₹)

68.22

82.96

92.72

102.57

113.55

122.91

136.95

152.74

171.96

190.93

Dividend per Share (₹)

0.50

0.75

1.00

0.00

1.00

1.25

1.35

1.45

PROFITABILITY

Net Interest Margin %

0.00%

3.20%

2.85%

2.90%

ROA %

0.93%

0.90%

0.99%

0.91%

0.86%

0.68%

0.96%

0.93%

0.88%

0.89%

ROE %

10.83%

10.90%

11.99%

11.16%

10.01%

7.82%

11.51%

11.85%

12.09%

12.67%

0.00%

64.01%

63.70%

60.87%

ASSET QUALITY

Gross NPA %

0.00%

2.98%

Net NPA %

0.00%

1.22%

Provision Coverage %

0.00%

74.04%

Slippage Ratio %

—

BALANCE SHEET & LIQUIDITY

CASA %

0.00%

26.02%

24.52%

22.38%

Credit-Deposit Ratio %

0.00%

0.13%

0.15%

0.08%

0.00%

16.59%

16.77%

16.55%

GROWTH & VALUATION

Net Profit Growth %

2.65%

22.87%

32.62%

3.86%

-0.64%

-14.38%

61.93%

15.12%

14.81%

18.89%

Book Value Growth %

0.00%

11.53%

12.58%

11.03%

P/E (x)

0.00x

6.95x

5.72x

6.97x

P/B (x)

0.00x

0.78x

0.65x

0.83x

0.00%

1.05%

1.21%

0.92%

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

14.75

14.73

14.72

14.70

14.69

14.66

16.24

16.23

14.65

11.06

10.86

9.64

11.69

10.49

11.92

12.64

13.48

27.61

26.65

27.89

29.18

31.79

31.93

32.14

32.80

32.28

Government

0.00

42.99

47.56

46.53

46.48

41.82

42.91

39.68

38.33

38.02

DCB Bank Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

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DCB Bank Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI