ScoreWhy is DCB Bank Ltd. ?
1
Strong lending practices with low Gross NPA ratio of 2.72%
2
Strong Long Term Fundamental Strength with a 16.57% CAGR growth in Net Profits
3
Healthy long term growth as Net profit has grown by an annual rate of 16.57%
4
The company has declared Positive results for the last 5 consecutive quarters
- GROSS NPA(Q) Lowest at 2.72%
- NII(Q) Highest at Rs 624.67 cr
- INTEREST EARNED(Q) Highest at Rs 1,860.88 cr
5
With ROA of 0.9, it has a Fair valuation with a 0.9 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 48.40%, its profits have risen by 18.4% ; the PEG ratio of the company is 0.5
6
Rising Promoter Confidence
- Promoters have increased their stake in the company by 1.58% over the previous quarter and currently hold 16.24% of the company
- Promoters increasing their stake is a sign of high confidence in the future of the business
7
Market Beating performance in long term as well as near term
- Along with generating 48.40% returns in the last 1 year, the stock has outperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to DCB Bank should be less than 10%
- Overall Portfolio exposure to Private Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is DCB Bank for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
DCB Bank
48.31%
1.28
37.94%
Sensex
-5.02%
-0.39
12.81%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
13.35%
Net Profit Growth (5y)
16.57%
Advance to Deposit
83.82%
Capital Adequacy Ratio (Tier 1)
14.05%
Gross NPA (latest)
2.72%
Gross NPA (avg)
3.53%
Coverage Ratio (avg)
59.86%
Cost to Income (avg)
61.27%
Net Interest Margin (avg)
3.55%
Operating Profit to Assets (avg)
4.39%
ROA (avg)
0.83%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Price to Book Value
0.89
PEG Ratio
0.49
Dividend Yield
0.77%
ROE (Latest)
11.78%
ROA (Latest)
0.89%
Net NPA to Book Value
10.44
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
GROSS NPA(Q)
Lowest at 2.72%
NII(Q)
Highest at Rs 624.67 cr
INTEREST EARNED(Q)
Highest at Rs 1,860.88 cr
PBT LESS OI(Q)
At Rs 27.31 cr has Grown at 51.4% (vs previous 4Q average
PAT(Q)
Highest at Rs 184.74 cr.
NET NPA(Q)
Lowest at 1.10%
-2What is not working for the Company
NON-OPERATING INCOME(Q)
is 89.02 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for DCB Bank
Gross NPA - Quarterly
Lowest at 2.72% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 624.67 cr and Grown
each quarter in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 1,860.88 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 27.31 cr has Grown at 51.4% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 18.04 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 184.74 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Net NPA - Quarterly
Lowest at 1.10%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Here's what is not working for DCB Bank
Non Operating Income - Quarterly
is 89.02 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
CAR - Quarterly
Lowest at 15.84%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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