DCBBANK
DCB Bank Limited (DCBBANK) Stock Analysis
DCB Bank Limited is a private-sector Indian bank focused on retail and commercial banking. It serves SMEs, individuals, and niche segments with branches in select cities. Deposit growth and credit quality guide its mid-sized bank profile in India. The bank is listed on Indian stock exchanges and is headquartered in India.
Financial Services › Banks - Regional
₹209.80
+2.93% 1W | +63.40% 52W
Market Cap
6.8k CR
P/E Ratio
8.6
52W High
₹234.8
52W Low
₹127.8
Div. Yield
0.69%
Beta
0.5
50 DMA
₹208.2
200 DMA
₹189.9
Profit Margin
25.3%
Inst. Own.
36.5%
⚡ APPROACHING SUPPORT
⚡ APPROACHING SUPPORT
Fundamentals
Profit & Loss
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| Interest | 767 | 830 | 900 | 937 | 993 | 1,059 | 1,128 | 1,184 | 1,233 | 1,227 | 1,236 | 1,252 | 1,300 |
| 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 |
| Financing 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 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 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 | 5.00 | 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% | 1.10% | 0.89% | 0.84% |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
| 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 |
| Financing 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 |
| Depreciation | 23 | 29 | 39 | 53 | 44 | 51 | 57 | 64 | 77 | 94 | 101 | 106 | 0 |
| Profit before tax | 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 | 7.00 | 7.96 | 10.51 | 10.89 | 10.81 | 9.25 | 14.95 | 17.13 | 19.58 | 22.73 | 24.59 |
| Dividend Payout % | 0% | 0% | 7% | 9% | 10% | 0% | 0% | 11% | 8% | 7% | 7% | 6% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 21.0% | 16.0% | 16.0% |
| Profit CAGR | 16.0% | 17.0% | 14.0% |
Shareholding Pattern
Promoters14.69%
FIIs11.69%
DIIs31.79%
Public41.82%
Promoters14.66%
FIIs10.49%
DIIs31.93%
Public42.91%
Promoters16.24%
FIIs11.92%
DIIs32.14%
Public39.68%
Promoters16.23%
FIIs12.64%
DIIs32.80%
Public38.33%
Promoters16.22%
FIIs13.48%
DIIs32.28%
Public38.03%
Promoters14.83%
FIIs12.27%
DIIs39.88%
Public33.01%
Promoters14.77%
FIIs12.75%
DIIs29.65%
Public42.82%
Promoters14.70%
FIIs9.64%
DIIs29.18%
Public46.49%
Promoters16.23%
FIIs12.64%
DIIs32.80%
Public38.33%
Promoters16.22%
FIIs13.48%
DIIs32.28%
Public38.03%
DCBBANK
Holdings Analysis
Key strengths & risk signals
76
Overall
72
Fundamental
80
Technical
Risks (1)
NEGLIGIBLE DIVIDEND! 0.69% yield - little to no income.
Strengths (4)
UNDERVALUED! PEG of 0.53 indicates stock is cheap relative to growth.
BULLISH TREND! 50-day average (207.4) is above 200-day average (189.6) - positive signal.
EXCELLENT YEAR! Stock gained 62.2% in the last year.
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
Fundamental & Technical Analysis
78Overall
72Fundamental
85Technical
Fundamental Breakdown
Growth Quality
26/30
Revenue CAGR: 15.9% (VERY GOOD, 13/15). Profit CAGR: 16.3% (VERY GOOD, 13/15).
Profit Margin
9/10
EXCELLENT EFFICIENCY! 25.3% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.53 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.69% yield - little to no income.
Debt to Equity
4/10
HIGH DEBT! D/E of 1.30 - caution advised.
Public Holding
10/20
SIGNIFICANT PUBLIC HOLDING! 33.19% public ownership - moderate retail influence.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (208.2) is above 200-day average (189.9) - positive signal.
Price Position
8/10
STRONG POSITION! Current price (209.8) is above both moving averages.
Trend Pattern
10/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
10/10
EXCELLENT YEAR! Stock gained 63.4% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 11 up days, 19 down days. Avg volume on up days: 1,983,933 vs down days: 1,300,168. Ratio: 1.53x
RSI
3/5
NEUTRAL! RSI at 51.1 - balanced momentum.
52W Range
4/5
UPPER HALF! Trading at 76.6% of 52W range - positive territory.
Momentum
3/5
MIXED MOMENTUM! Price growth is inconsistent - 2.9% (1 week), -4.6% (1 month), 10.4% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
DCBBANK
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-30 | Concall PDF | |
| Q2FY262026-01-30 | Concall PDF | |
| Q1FY262025-10-24 | Concall PDF |
Peer Comparison
Financial Services · Banks - Regional · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| DCBBANK | ₹209.80 | 8.6 | 25.3% | 15.9% | 16.3% | +63.4% | 78 | APPROACHING SUPPORT | +35.5% | +3.7% | +7.8% | +1.6% |
| EQUITASBNK | ₹70.40 | 15.8 | 10.9% | 12.1% | -43.6% | +23.7% | 54 | APPROACHING RESISTANCE | -182.0% | -13.7% | +19.2% | +3.3% |
| CSBBANK | ₹308.90 | 8.1 | 24.1% | 20.6% | 5.0% | -20.5% | 66 | APPROACHING RESISTANCE | +26.5% | -25.6% | +13.3% | -8.2% |
| JSFB | ₹490.60 | 13.7 | 12.9% | 14.8% | 8.4% | +6.6% | 61 | CONSOLIDATING DOWN | +52.3% | +11.0% | +18.5% | +0.8% |
| UJJIVANSFB | ₹63.20 | 13.8 | 19.6% | 14.3% | -14.3% | +31.7% | 66 | BREAKOUT | +206.7% | +12.2% | +30.6% | +3.1% |
| KTKBANK | ₹329.90 | 8.7 | 41.5% | 2.7% | 3.6% | +95.0% | 65 | APPROACHING SUPPORT | +43.3% | +2.7% | +16.1% | +4.2% |
| SOUTHBANK | ₹51.50 | 8.5 | 29.9% | 9.5% | 23.4% | +57.7% | 79 | APPROACHING RESISTANCE | +17.2% | -7.3% | -3.4% | +7.9% |
| TMB | ₹857.30 | 9.4 | 41.2% | 7.7% | 9.1% | +96.8% | 72 | BREAKDOWN | +35.0% | +10.1% | +23.8% | +6.0% |
Data from TradeAlone · Updated daily
