ScoreWhy is DCB Bank Ltd. ?
1
Strong lending practices with low Gross NPA ratio of 2.43%
2
Strong Long Term Fundamental Strength with a 22.10% CAGR growth in Net Profits
3
Healthy long term growth as Net profit has grown by an annual rate of 22.10%
4
With a growth in Interest of 4.04%, the company declared Very Positive results in Jun 26
- The company has declared positive results for the last 7 consecutive quarters
- GROSS NPA(Q) Lowest at 2.43%
- NII(Q) Highest at Rs 683.95 cr
- OPERATING CF(Y) Highest at Rs 6,639.89 Cr
5
With ROA of 0.9, it has a Attractive valuation with a 0.9 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 41.41%, its profits have risen by 22.8% ; the PEG ratio of the company is 0.4
Real-Time Research ReportHow much should you buy?
- 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
41.37%
1.08
38.20%
Sensex
-2.43%
-0.18
13.58%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
13.73%
Net Profit Growth (5y)
22.10%
Advance to Deposit
84.37%
Capital Adequacy Ratio (Tier 1)
14.66%
Gross NPA (latest)
2.43%
Gross NPA (avg)
3.24%
Coverage Ratio (avg)
62.57%
Cost to Income (avg)
61.94%
Net Interest Margin (avg)
3.60%
Operating Profit to Assets (avg)
4.44%
ROA (avg)
0.86%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Price to Book Value
0.94
PEG Ratio
0.39
Dividend Yield
0.73%
ROE (Latest)
12.06%
ROA (Latest)
0.89%
Net NPA to Book Value
7.72
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend27What is working for the Company
GROSS NPA(Q)
Lowest at 2.43%
NII(Q)
Highest at Rs 683.95 cr
OPERATING CF(Y)
Highest at Rs 6,639.89 Cr
INTEREST EARNED(Q)
Highest at Rs 1,984.31 cr
PAT(Q)
Highest at Rs 213.20 cr.
NET NPA(Q)
Lowest at 0.84%
DPS(Y)
Highest at Rs 1.45
CASH AND CASH EQUIVALENTS(HY)
Highest at Rs 3,212.27 cr
PBDIT(Q)
Highest at Rs 147.71 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 7.44%
PBT LESS OI(Q)
Highest at Rs 90.64 cr.
EPS(Q)
Highest at Rs 6.62
-4What is not working for the Company
DPR(Y)
Lowest at 6.38%
NON-OPERATING INCOME(Q)
is 68.41 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for DCB Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 90.64 cr has Grown at 197.6% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 30.46 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Gross NPA - Quarterly
Lowest at 2.43% 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 683.95 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 1,984.31 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 213.20 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Net NPA - Quarterly
Lowest at 0.84% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Operating Cash Flow - Annually
Highest at Rs 6,639.89 Cr
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 147.71 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 7.44%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 90.64 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 6.62
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Cash and Cash Equivalents - Half Yearly
Highest at Rs 3,212.27 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per Share (DPS) - Annually
Highest at Rs 1.45
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (Rs)
CAR - Quarterly
Highest at 17.03%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for DCB Bank
Dividend Payout Ratio (DPR) - Annually
Lowest at 6.38% and Fallen
each year in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
Non Operating Income - Quarterly
is 68.41 % 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
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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