DCB Bank

What does DCB Bank do?

DCB Bank Ltd. is a private sector bank in India, established in 1995, with a market cap of Rs 4,614 Cr and recent net sales of 1,741.89 Cr and net profit of 177 Cr as of March 2025. It operates with a CAR of 14.30% and a gross NPA of 2.99%.

Overview: <BR>DCB Bank Ltd. is a private sector bank in India operating within the small-cap market segment.<BR><BR>History: <BR>DCB Bank Limited was established in May 1995 and was formerly known as Development Credit Bank Limited until its name change on December 30, 2013. The latest quarterly results reported are for March 2025, showing sales and profit figures.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 1,741.89 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 177 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: Rs 4,614 Cr (Small Cap)<BR><BR>Key Metrics: <BR>Industry: Private Sector Bank <BR>Market cap: Rs 4,614 Cr <BR>Dividend Yield: 0.00% <BR>CAR: 14.30% <BR>Return on Assets: 0.80% <BR>Net NPA: 1.12% <BR>Gross NPA: 2.99%<BR><BR>Contact Details: <BR>Address: 601& 602 Peninsula Business Pk, Tower A 6th Floor Lower Parel Mumbai Maharashtra : 400013 <BR>Tel: 91-022-6618 7000 <BR>Email: investorgrievance@dcbbank.com <BR>Website: http://www.dcbbank.com

Who are in the management team of DCB Bank?

As of March 2023, the management team of DCB Bank includes Murali M Natrajan (Managing Director & CEO), F N Subedar (Part Time Chairman), and several independent directors, ensuring a diverse governance structure.

As of March 2023, the management team of DCB Bank includes the following individuals:<BR><BR>1. Murali M Natrajan - Managing Director & CEO<BR>2. Iqbal Ishak Khan - Director<BR>3. Rubi Chaturvedi - Company Secretary & Compliance Officer<BR>4. Amyn Jassani - Independent Director<BR>5. Shabbir Merchant - Independent Director<BR>6. Somasundaram Palamadairamaswamy - Independent Director<BR>7. Rafiq Ramzanali Somani - Independent Director<BR>8. Tarun Balram - Independent Director<BR>9. Thiyagarajan Kumar - Independent Director<BR>10. F N Subedar - Part Time Chairman<BR>11. Lakshmy Chandrasekaran - Independent Director<BR><BR>This team comprises a mix of executive, independent, and non-executive roles, contributing to the governance and strategic direction of the bank.

Has DCB Bank declared dividend?

Yes, DCB Bank has declared a 12% dividend, amounting to ₹1.2 per share, with an ex-date of May 10, 2024. Despite a current dividend yield of 0%, the bank has shown strong total returns across various periods, including a 115.02% total return over the last 5 years.

DCB Bank has declared a 12% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 12%<BR>- Amount per share: 1.2<BR>- Ex-date: May 10, 2024<BR><BR>Dividend Yield: 0%<BR><BR>Total Returns by Period:<BR>In the last 6 months, DCB Bank achieved a price return of 13.83% with no dividend return, resulting in a total return of 13.83%.<BR><BR>Over the past year, the price return was 13.48%, and there was no dividend return, leading to a total return of 13.48%.<BR><BR>In the 2-year period, the price return was 22.74%, with a dividend return of 1.02%, culminating in a total return of 23.76%.<BR><BR>For the 3-year period, the price return stood at 71.64%, alongside a dividend return of 3.25%, resulting in a total return of 74.89%.<BR><BR>In the 4-year period, DCB Bank recorded a price return of 41.34% and a dividend return of 3.20%, which combined to give a total return of 44.54%.<BR><BR>Over the last 5 years, the price return was an impressive 110.8%, with a dividend return of 4.22%, leading to a total return of 115.02%.<BR><BR>Overall, DCB Bank has declared a dividend while maintaining strong total returns across various periods, indicating a positive performance despite a current dividend yield of 0%.

Who are the peers of the DCB Bank?

DCB Bank's peers include HDFC Bank, ICICI Bank, Kotak Mahindra Bank, Axis Bank, IDBI Bank, Yes Bank, IndusInd Bank, Federal Bank, and IDFC First Bank. In terms of management risk, growth, and capital structure, DCB Bank is rated as having good performance compared to its peers.

Peers: The peers of DCB Bank are HDFC Bank, ICICI Bank, Kotak Mah. Bank, Axis Bank, IDBI Bank, Yes Bank, IndusInd Bank, Federal Bank, IDFC First Bank.<BR><BR>Quality Snapshot: Excellent management risk is observed at HDFC Bank, ICICI Bank, and IndusInd Bank, while Good management risk is found at Axis Bank, Federal Bank, IDFC First Bank, and DCB Bank. Average management risk is present at IDBI Bank and Yes Bank, and Average management risk is noted at Dhanlaxmi Bank. For Growth, Excellent growth is seen at HDFC Bank, ICICI Bank, and Federal Bank, while Good growth is found at Kotak Mah. Bank, Axis Bank, IDBI Bank, DCB Bank, and IDFC First Bank. Average growth is noted at Yes Bank, and Below Average growth is observed at IndusInd Bank. In terms of Capital Structure, Excellent capital structure is present at HDFC Bank, ICICI Bank, Kotak Mah. Bank, Axis Bank, IDBI Bank, IndusInd Bank, and DCB Bank, while Good capital structure is seen at Yes Bank, Federal Bank, IDFC First Bank, and Dhanlaxmi Bank.<BR><BR>Return Snapshot: The peer with the highest 1-year return is ICICI Bank at 24.09%, while the peer with the lowest 1-year return is IndusInd Bank at -47.40%. DCB Bank's own 1-year return is 11.12%, which is positive compared to IndusInd Bank but lower than ICICI Bank. Additionally, the peers with negative six-month returns include IndusInd Bank and IDFC First Bank.

Who are the top shareholders of the DCB Bank?

The top shareholders of DCB Bank include the Aga Khan Fund for Economic Development with 13.92%, mutual funds at 19.74%, Foreign Institutional Investors at 9.64%, and individual investors holding 36.6%. There are no pledged promoter holdings.

The top shareholders of DCB Bank include the Aga Khan Fund for Economic Development Sa, which holds the largest stake at 13.92%. Additionally, mutual funds collectively hold 19.74% of the shares through 10 different schemes, with HDFC Small Cap Fund being the highest public shareholder at 5.27%. Foreign Institutional Investors (FIIs) own 9.64% of the bank's shares, represented by 105 different FIIs. Individual investors make up a significant portion of the ownership, holding 36.6% of the shares. There are no pledged promoter holdings reported.

How big is DCB Bank?

As of 24th July, DCB Bank Ltd. has a market capitalization of 4,470.00 Cr, categorizing it as a Small Cap company, with a Net Profit of 615.34 Cr over the latest four quarters and Total Assets of 76,892.75 Cr as of March 2025.

As of 24th July, <BR><BR>Market Cap: DCB Bank Ltd. has a market capitalization of 4,470.00 Cr, categorizing it as a Small Cap company.<BR><BR>Recent Quarterly Performance: The company reported no valid Net Sales data for the latest quarters, while the Net Profit for the latest 4 quarters is 615.34 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period is March 2025, with Shareholder's Funds amounting to 5,690.68 Cr and Total Assets valued at 76,892.75 Cr.

Are DCB Bank latest results good or bad?

DCB Bank's latest Q2 FY26 results are generally positive, with a net profit increase of 16.94% quarter-on-quarter and improved asset quality, as indicated by a GNPA ratio of 2.91%. However, concerns about reliance on non-interest income and a decline in operating profit suggest that investors should remain cautious.

DCB Bank's latest results for Q2 FY26 can be considered good overall. The bank reported a net profit of ₹183.91 crores, which represents a significant increase of 16.94% compared to the previous quarter and an 18.29% increase year-on-year. This strong performance is driven by a modest growth in interest earned, which rose to ₹1,822.75 crores, reflecting a 0.51% increase quarter-on-quarter and a robust 16.21% year-on-year growth.<BR><BR>Additionally, the bank's gross non-performing assets (GNPA) ratio improved slightly to 2.91%, down from 2.98% in the previous quarter, indicating some progress in asset quality. The return on equity (ROE) stood at 11.27%, which is reasonable for the sector.<BR><BR>However, there are some concerns to note. The bank has a heavy reliance on other income, which constituted 76.46% of profit before tax, raising questions about the sustainability of its core banking profitability. Furthermore, the operating profit saw a decline of 7.02% quarter-on-quarter, which could signal underlying operational challenges.<BR><BR>In summary, while DCB Bank has shown strong profit growth and improved asset quality, the reliance on non-interest income and operational pressures warrant careful monitoring. Overall, the results indicate a positive trajectory, but investors should remain cautious about the potential risks.

How has been the historical performance of DCB Bank?

DCB Bank has shown consistent growth from March 2019 to March 2025, with interest earned rising from ₹3,041.49 crore to ₹6,470.59 crore, total income increasing from ₹3,391.65 crore to ₹7,221.10 crore, and profit after tax growing from ₹325.37 crore to ₹615.33 crore. The bank's total assets and deposits also significantly expanded, reflecting strong financial performance and customer confidence.

Answer:<BR>The historical performance of DCB Bank shows a consistent growth trend across various financial metrics from March 2019 to March 2025.<BR><BR>Breakdown:<BR>DCB Bank's interest earned has increased significantly from 3,041.49 crore in March 2019 to 6,470.59 crore in March 2025, reflecting a strong upward trajectory. The total income also rose from 3,391.65 crore in March 2019 to 7,221.10 crore in March 2025. Net interest income followed suit, climbing from 1,149.29 crore to 2,106.57 crore over the same period. However, interest expended also increased, from 1,892.20 crore in March 2019 to 4,364.02 crore in March 2025. Profit before tax showed a positive trend, rising from 506.54 crore in March 2019 to 828.61 crore in March 2025, while profit after tax increased from 325.37 crore to 615.33 crore in the same timeframe. The bank's total assets grew from 76,892.75 crore in March 2025 compared to 38,538.36 crore in March 2020, indicating robust expansion. Deposits surged from 30,369.93 crore in March 2020 to 60,030.95 crore in March 2025, showcasing strong customer confidence. The capital adequacy ratio remained healthy, standing at 16.77% in March 2025, while the return on assets remained at 0.0% throughout the years. Overall, DCB Bank has demonstrated solid growth in income and profitability, alongside a significant increase in assets and deposits.

Is DCB Bank overvalued or undervalued?

As of October 23, 2025, DCB Bank is fairly valued with a PE ratio of 7.58, outperforming the Sensex with a 41.43% return over the past year, while its net NPA to book value is 10.73%, contrasting with peers like HDFC Bank and ICICI Bank, which have higher PE ratios of 21.79 and 19.66, respectively.

As of 23 October 2025, DCB Bank's valuation grade has moved from attractive to fair. The company is currently fairly valued. Key ratios include a PE ratio of 7.58, a price to book value of 0.85, and a PEG ratio of 0.51, indicating a reasonable valuation compared to its earnings growth potential. <BR><BR>In comparison to its peers, HDFC Bank is considered expensive with a PE ratio of 21.79, while ICICI Bank is also fairly valued with a PE ratio of 19.66. DCB Bank's net NPA to book value stands at 10.73%, which is a notable outlier in the context of its performance. Additionally, DCB Bank has significantly outperformed the Sensex in the past year with a return of 41.43% compared to the Sensex's 5.59%, reinforcing its competitive position in the market.

Is DCB Bank technically bullish or bearish?

As of October 23, 2025, DCB Bank's technical trend is bullish, supported by strong indicators like a bullish MACD and Bollinger Bands, despite a short-term bearish signal from the KST, with a notable 41.43% return over the past year compared to the Sensex's 5.59%.

As of 23 October 2025, the technical trend for DCB Bank has changed from mildly bullish to bullish. The current stance is bullish with strong indicators supporting this view. The MACD is bullish on both the weekly and monthly time frames, while Bollinger Bands also indicate a bullish trend in both time frames. Daily moving averages confirm a bullish outlook. Although the KST shows a bearish signal on the weekly, it is bullish on the monthly, suggesting some short-term weakness. Dow Theory reflects a mildly bullish stance on both weekly and monthly levels. Overall, the strength of the bullish trend is reinforced by the positive performance against the Sensex over various periods, particularly a 41.43% return over the past year compared to the Sensex's 5.59%.

Should I buy, sell or hold DCB Bank?

When is the next results date for DCB Bank Ltd.?

The next results date for DCB Bank Ltd. is January 23, 2026.

The next results date for DCB Bank Ltd. is scheduled for January 23, 2026.

Why is DCB Bank Ltd. falling/rising?

As of 20-Jan, DCB Bank Ltd. is experiencing a stock price decline to Rs 181.60, down 5.05%, following four days of gains and underperforming its sector. Despite strong long-term fundamentals, the immediate market sentiment is negative due to reduced trading volumes and recent price drops.

As of 20-Jan, DCB Bank Ltd. is experiencing a decline in its stock price, currently at Rs 181.60, which reflects a change of -9.65 (-5.05%). This drop can be attributed to several factors. Firstly, the stock has underperformed its sector by -4.56% today, indicating a weaker performance relative to its peers. Additionally, the stock has fallen after four consecutive days of gains, suggesting a trend reversal.<BR><BR>Intraday, the stock touched a low of Rs 181.3, marking a decrease of 5.2%. The trading volume has also shown a decline, with delivery volume on 19 Jan falling by -16.43% compared to the 5-day average, indicating reduced investor participation. Although the stock remains above its 20-day, 50-day, 100-day, and 200-day moving averages, it is below its 5-day moving average, which may signal short-term weakness.<BR><BR>Despite these negative indicators, DCB Bank Ltd. has demonstrated strong long-term fundamentals, including a low Gross NPA ratio of 2.91% and a significant growth in net profits. However, the immediate market sentiment appears to be influenced by the recent price drop and lower trading volumes, contributing to the current decline in stock price.

Which are the latest news on DCB Bank?