DHANBANK
Dhanlaxmi Bank Limited (DHANBANK) Stock Analysis
Dhanlaxmi Bank Limited is a private-sector Indian bank based in Kerala. It offers retail, NRI, and SME banking through branches in south and other regions. CASA growth and asset quality are focus areas for its mid-size franchise. The bank is listed on Indian stock exchanges and operates from India.
Financial Services › Banks - Regional
₹35.80
+5.39% 1W | +33.10% 52W
Market Cap
1.4k CR
P/E Ratio
12.6
52W High
₹36.9
52W Low
₹19.4
Div. Yield
0%
Beta
0.7
50 DMA
₹31.3
200 DMA
₹29.2
Profit Margin
14.9%
Inst. Own.
4.3%
🚀 BREAKOUT
🚀 BREAKOUT
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 | 289 | 304 | 308 | 306 | 306 | 329 | 335 | 351 | 368 | 384 | 407 | 443 | 449 |
| Interest | 171 | 183 | 194 | 201 | 206 | 208 | 206 | 216 | 229 | 242 | 253 | 256 | 272 |
| Expenses | 141 | 118 | 147 | 135 | 140 | 140 | 151 | 150 | 166 | 153 | 180 | 177 | 177 |
| Financing Profit | -22 | 3 | -33 | -30 | -40 | -19 | -22 | -16 | -27 | -11 | -25 | 10 | 1 |
| Financing Margin % | -8% | 1% | -11% | -10% | -13% | -6% | -7% | -5% | -7% | -3% | -6% | 2% | 0% |
| Other Income | 52 | 24 | 36 | 41 | 32 | 52 | 42 | 43 | 39 | 35 | 49 | 69 | 35 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 30 | 26 | 3 | 11 | -8 | 33 | 20 | 27 | 12 | 23 | 24 | 79 | 36 |
| Tax % | 7% | 12% | 0% | 69% | 0% | 21% | 0% | -7% | 0% | 0% | 0% | 45% | 30% |
| Net Profit | 28 | 23 | 3 | 3 | -8 | 26 | 20 | 29 | 12 | 23 | 24 | 43 | 25 |
| EPS in Rs | 0.72 | 0.59 | 0.08 | 0.08 | -0.20 | 0.65 | 0.50 | 0.73 | 0.31 | 0.59 | 0.61 | 1.10 | 0.63 |
| Gross NPA % | 5.21% | 5.36% | 4.81% | 4.05% | 4.04% | 3.82% | 3.53% | 2.98% | 3.22% | 3.10% | 2.36% | 1.89% | 1.82% |
| Net NPA % | 1.09% | 1.29% | 1.27% | 1.25% | 1.26% | 1.12% | 0.86% | 0.99% | 1.13% | 1.12% | 1.11% | 0.51% | 0.47% |
| 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 | 1,284 | 1,204 | 1,089 | 1,013 | 971 | 988 | 931 | 917 | 1,071 | 1,207 | 1,320 | 1,601 | 1,683 |
| Interest | 985 | 900 | 757 | 668 | 625 | 614 | 601 | 554 | 595 | 749 | 837 | 979 | 1,022 |
| Expenses | 607 | 566 | 410 | 460 | 377 | 427 | 394 | 474 | 498 | 515 | 556 | 647 | 687 |
| Financing Profit | -308 | -261 | -78 | -114 | -30 | -53 | -64 | -112 | -22 | -57 | -72 | -24 | -26 |
| Financing Margin % | -24% | -22% | -7% | -11% | -3% | -5% | -7% | -12% | -2% | -5% | -5% | -2% | -2% |
| Other Income | 85 | 77 | 111 | 102 | 53 | 113 | 122 | 169 | 75 | 153 | 169 | 192 | 188 |
| Depreciation | 18 | 25 | 20 | 13 | 11 | 13 | 15 | 20 | 21 | 25 | 25 | 30 | 0 |
| Profit before tax | -241 | -209 | 12 | -25 | 12 | 46 | 43 | 37 | 32 | 70 | 72 | 138 | 162 |
| Tax % | 0% | -0% | 0% | 0% | 0% | -43% | 13% | 3% | -56% | 18% | 7% | 26% | |
| Net Profit | -241 | -209 | 12 | -25 | 12 | 66 | 37 | 36 | 49 | 58 | 67 | 103 | 115 |
| EPS in Rs | -8.72 | -7.57 | 0.38 | -0.63 | 0.30 | 1.67 | 0.94 | 0.91 | 1.25 | 1.46 | 1.69 | 2.60 | 2.93 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 14.0% | 11.0% | 3.0% |
| Profit CAGR | 28.0% | 22.0% | 10.0% |
Shareholding Pattern
FIIs15.52%
DIIs0.05%
Public84.43%
FIIs15.27%
DIIs0.05%
Public84.68%
FIIs15.32%
DIIs0.05%
Public84.63%
FIIs15.42%
DIIs0.05%
Public84.53%
FIIs14.21%
DIIs0.05%
Public85.74%
FIIs10.86%
DIIs0.12%
Public89.01%
FIIs6.10%
DIIs0.07%
Public93.82%
FIIs15.26%
DIIs0.05%
Public84.69%
FIIs15.42%
DIIs0.05%
Public84.53%
FIIs14.21%
DIIs0.05%
Public85.74%
DHANBANK
Holdings Analysis
Key strengths & risk signals
83
Overall
69
Fundamental
97
Technical
Risks (1)
TOO MUCH PUBLIC HOLDING! 88.95% public ownership - higher volatility risk.
Strengths (4)
UNDERVALUED! PEG of 0.45 indicates stock is cheap relative to growth.
BULLISH TREND! 50-day average (31.3) is above 200-day average (29.2) - positive signal.
BREAKOUT! Stock has broken above resistance levels with momentum.
GOOD YEAR! Stock gained 33.1% in the last year.
Fundamental & Technical Analysis
83Overall
69Fundamental
97Technical
Fundamental Breakdown
Growth Quality
26/30
Revenue CAGR: 12.7% (GOOD, 11/15). Profit CAGR: 27.7% (EXCELLENT, 15/15).
Profit Margin
5/10
DECENT EFFICIENCY! 14.9% profit margin - acceptable profitability.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.45 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.14 - excellent financial health.
Public Holding
5/20
TOO MUCH PUBLIC HOLDING! 88.95% public ownership - higher volatility risk.
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 (31.3) is above 200-day average (29.2) - positive signal.
Price Position
8/10
STRONG POSITION! Current price (35.8) is above both moving averages.
Trend Pattern
20/20
BREAKOUT! Stock has broken above resistance levels with momentum.
52W Performance
10/10
GOOD YEAR! Stock gained 33.1% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 3,225,167 vs down days: 1,052,407. Ratio: 3.06x
RSI
3/5
BULLISH! RSI at 68.0 - positive momentum.
52W Range
5/5
STRONG! Trading at 93.7% of 52W range - near yearly highs.
Momentum
4/5
GOOD MOMENTUM! Price has grown across all timeframes - up 5.4% (1 week), 21.6% (1 month), 5.7% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.70 - stable stock, less market risk.
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| DHANBANK | ₹35.80 | 12.6 | 14.9% | 12.7% | 27.7% | +33.1% | 83 | BREAKOUT | +104.1% | -42.8% | +19.1% | -17.1% |
| SURYODAY | ₹148.00 | 8.2 | 13.6% | 20.0% | 25.1% | +4.6% | 64 | BREAKOUT | +113.0% | +51.3% | +30.3% | +14.0% |
| CAPITALSFB | ₹273.40 | 8.3 | 29.3% | 14.6% | 14.7% | -1.4% | 62 | APPROACHING SUPPORT | +29.1% | +3.0% | +20.3% | +8.9% |
| FINOPB | ₹134.10 | 53.4 | 1.6% | 15.8% | -6.9% | -59.0% | 52 | BREAKDOWN | -177.0% | -293.0% | -36.1% | -12.7% |
| ESAFSFB | ₹44.30 | – | -0.3% | 6.9% | – | +57.9% | 64 | CONSOLIDATION | -198.6% | +240.9% | +45.3% | +15.7% |
| UTKARSHBNK | ₹13.30 | – | -146.1% | 1.4% | – | -24.7% | 53 | APPROACHING RESISTANCE | -85.8% | -82.0% | +0.2% | +10.1% |
| 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% |
Data from TradeAlone · Updated daily
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