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Stock Analysis

Description

DCB Bank was incorporated in 1995, by reconstituting the Development Co-operative Bank Ltd (DCBL) to Development Credit Bank Ltd as a joint-stock banking company. It operates in the banking sector.

Key Growth Triggers

Strategic priorities include becoming a comprehensive financial solution provider for self-employed customers and a push towards paperless operations.

Order Book

Currently no data available for Order Book.

Key Red Flags

Currently no data available for Key Red Flags.

Key Dates To Watch

Board Meeting to consider and approve Q3 FY26 financial results: January 23, 2026.

Corporate Announcements

16th Apr 26

Impact Rating: 9

On April 24, 2026, DCB Bank's Board will review audited FY26 results, consider dividend recommendations, and evaluate raising capital via private placement of debt securities or QIP of equity shares.

13th Apr 26

Impact Rating: 2

DCB Bank Limited's Independent Director, Ms. Lakshmy Chandrasekaran, has retired on April 13, 2026, after successfully completing her designated term. The bank acknowledged her contributions during her service.

13th Apr 26

Impact Rating: -

No description available.

13th Apr 26

Impact Rating: -

No description available.

8th Apr 26

Impact Rating: 8

DCB Bank has received a confirmation certificate from its Registrar & Transfer Agent, MUFG Intime India, confirming compliance with SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended March 31, 2026, concerning share dematerialisation.

Peer Comparision

S.No.	Name	Current Price (Rs.)	Price to Earning	Market Capitalization (Rs.Cr.)	Dividend yield (%)	Net Profit latest quarter (Rs.Cr.)	YOY Quarterly profit growth (%)	Sales latest quarter (Rs.Cr.)	YOY Quarterly sales growth (%)	Return on capital employed (%)	Sales (Rs.Cr.)	OPM (%)	Profit after tax (Rs.Cr.)	Profit after tax latest quarter (Rs.Cr.)	Price to book value	Return on assets (%)	Debt to equity
1.	HDFC Bank	949.05	20.17	1459769.88	1.16	20363.77	10.01	86993.84	4.81	7.51	346185.22	42.61	72360.07	19610.67	2.70	1.74	6.30
2.	ICICI Bank	1427.70	19.16	1021249.89	0.77	14318.15	3.16	48180.91	4.00	7.87	192684.91	28.30	53300.25	13357.06	3.06	2.18	5.58
3.	Kotak Mah. Bank	2144.00	22.96	426413.07	0.12	4468.27	-11.42	17198.74	4.70	8.17	67852.12	27.80	18574.23	4468.27	2.54	2.68	3.62
4.	Axis Bank	1295.50	15.48	402325.50	0.08	5566.56	-25.31	32309.77	2.24	7.11	129272.60	59.67	25988.99	5527.85	2.03	1.78	7.28
5.	IDBI Bank	108.12	12.52	116276.46	1.94	3240.77	73.56	7109.01	-4.51	6.78	28937.85	70.49	9284.32	3229.58	1.71	1.97	4.81
6.	Yes Bank	23.50	25.99	73740.58	0.00	664.31	17.25	7388.75	-4.50	6.36	30449.57	59.65	2836.87	664.31	1.50	0.59	7.29
7.	IDFC First Bank	84.40	50.50	72564.74	0.30	347.80	64.10	9936.93	10.94	6.22	38335.01	32.47	1437.04	347.80	1.34	0.46	6.85
8.	DCB Bank	181.60	8.72	5842.88	0.74	183.91	18.29	1822.75	16.22	7.67	7049.26	68.72	669.68	183.91	0.96	0.88	11.85
–	Median: 20 Co.	264.33	15.48	24943.79	0.71	349.59	3.95	4430.65	4.35	6.95	17851.24	59.66	1397.21	349.59	1.42	1.35	7.29

Quarterly Results

Standalone figures in ₹ crores

	Dec 2022	Dec 2023	Dec 2024	Jun 2023	Jun 2024	Jun 2025	Mar 2023	Mar 2024	Mar 2025	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Sales	–	–	–	–	–	–	–	–	–	–	–	–	–
Expenses	388	427	523	407	463	605	417	434	539	359	412	504	539
Operating Profit	–	–	–	–	–	–	–	–	–	–	–	–	–
Other Income	95	124	184	107	143	236	122	136	219	99	107	205	186
Profit before tax	153	171	204	171	177	212	191	210	238	152	171	210	243
Tax %	26%	26%	26%	26%	26%	26%	26%	26%	26%	26%	26%	26%	24%
Net Profit	114	127	151	127	131	157	142	156	177	112	127	155	184
EPS in Rs	3.66	4.06	4.83	4.07	4.19	5.00	4.57	4.98	5.63	3.61	4.06	4.96	5.84

Profit & Loss

Standalone Figures in ₹ Crores / Yearly

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Sales	–	–	–	–	–	–	–	–	–	–	–	–	–
Expenses	338	443	550	700	866	949	1,113	1,223	1,356	1,422	1,586	1,927	2,205
Operating Profit	–	–	–	–	–	–	–	–	–	–	–	–	–
Other Income	139	166	220	249	310	350	391	446	452	409	474	751	825
Interest	760	914	1,079	1,279	1,418	1,892	2,272	2,172	2,155	2,483	3,434	4,364	4,772
Depreciation	18	23	29	39	53	44	51	57	64	77	94	101	0
Profit before tax	151	208	261	307	386	507	492	453	390	628	722	829	897
Net Profit	151	191	195	200	245	325	338	336	288	466	536	615	670
EPS in Rs	6.05	6.78	6.84	7.00	7.96	10.51	10.89	10.81	9.25	14.95	17.13	19.58	21.30
Dividend Payout %	0%	0%	0%	7%	9%	10%	0%	0%	11%	8%	7%	7%	–

Balance Sheet

Standalone figures in ₹ crores

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	250	282	284	285	308	310	310	311	311	312	313	314	315
Reserves	904	1,307	1,508	1,920	2,500	2,806	3,112	3,448	3,738	4,255	4,758	5,376	5,654
Borrowings	–	–	–	–	–	–	–	–	–	–	–	–	–
Other Liabilities	584	771	1,252	1,276	1,481	1,518	1,305	1,657	1,970	2,443	2,393	1,973	2,216
Total Liabilities	12,923	16,132	19,119	24,046	30,222	35,792	38,505	39,602	44,793	52,366	63,037	76,810	78,890
Fixed Assets	239	237	248	489	494	526	546	569	608	783	841	832	893
Gross Block	349.70	376.95	414.09	691.83	748.67	821.35	885.28	960.92	1,049.23	1,291.62	1,435.80	1,524.24	–
Accumulated Depreciation	111.06	140.27	166.07	203.26	254.65	295.37	339.41	392.41	440.87	508.94	594.69	692.28	–
CWIP	0	0	0	0	0	0	0	0	53	44	24	66	0
Investments	3,634	3,962	4,333	5,818	6,219	7,844	7,742	8,414	9,051	12,582	16,211	20,150	20,496
Other Assets	9,050	11,933	14,537	17,740	23,509	27,422	30,218	30,620	35,081	38,957	45,961	55,761	57,501
Total Assets	12,923	16,132	19,119	24,046	30,222	35,792	38,505	39,602	44,793	52,366	63,037	76,810	78,890

Cash Flows

Standalone Figures in ₹ Crores / Yearly

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	490	-496	220	240	230	-281	171	-1,502	1,606	-1,566	485	-441
Cash from Investing Activity	-19	-29	-41	-71	-59	-76	-72	-79	-157	-165	-1,858	-2,792
Cash from Financing Activity	-665	554	-6	132	1,009	779	654	1,075	-398	8	2,070	2,865
Net Cash Flow	-194	30	172	301	1,180	421	752	-507	1,051	-1,722	697	-367

Ratios

Standalone Figures in ₹ Crores / Yearly

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	–	–	–	–	–	–	–	–	–	–	–	–
Inventory Days	–	–	–	–	–	–	–	–	–	–	–	–
Days Payable	–	–	–	–	–	–	–	–	–	–	–	–
Cash Conversion Cycle	–	–	–	–	–	–	–	–	–	–	–	–
Working Capital Days	–	–	–	–	–	–	–	–	–	–	–	–
ROCE %	–	–	–	–	–	–	–	–	–	–	–	–

Shareholding Pattern

Numbers in percentages

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	14.85%	14.83%	14.82%	14.82%	14.81%	14.77%	14.75%	14.73%	14.72%	14.70%	14.69%	14.66%
FIIs	12.44%	12.27%	12.30%	12.74%	13.02%	12.75%	14.65%	11.06%	10.85%	9.64%	11.69%	10.49%
DIIs	39.38%	39.88%	39.70%	38.99%	34.20%	29.65%	27.61%	26.65%	27.89%	29.18%	31.79%	31.93%
Public	33.35%	33.01%	33.19%	33.46%	37.98%	42.82%	43.00%	47.56%	46.53%	46.49%	41.82%	42.91%

BSE Announcements AI Summary

Direct from BSE filings, auto-summarised

DCB Bank Board Meeting on April 24 to Discuss FY26 Results, Dividend and Capital Raise

16th April 2026, 10:20 pm

DCB Bank Director Ms. Lakshmy Chandrasekaran Retires After Term Completion

13th April 2026, 11:50 pm

DCB Bank Ltd - 532772 - Announcement under Regulation 30 (LODR)-Newspaper Publication

13th April 2026, 9:47 pm

IEPF Campaign Alert: JHS Svendgaard Retail Ventures & DCB Bank Urge Shareholders to Claim Unpaid Dividends and Update KYC

13th April 2026, 8:54 pm

DCB Bank Confirms SEBI Regulatory Compliance for Share Dematerialisation

8th April 2026, 10:06 pm

Published by Other Websites

External media mentions & references

DCB Bank: Compelling Value and Growth Drive Stock Upside

17th April 2026, 8:03 pm

DCB Bank Targets Doubling Size, Eyes 18-22% Loan Growth

17th April 2026, 7:32 pm

Top Indian Stocks: Trading Picks for April 8 Revealed

8th April 2026, 7:03 am

April FD Rates: Small Finance Banks Offer Up to 8.10%

6th April 2026, 1:17 pm

ICICI Securities Favors Large Banks Over Mid-Caps Amid Sector Dip

6th April 2026, 12:19 pm

News Articles

Editorial & research coverage

DCB Bank: Analyst Optimism Meets Steep Execution Hurdles

5th February 2026, 12:44 pm

DCB Bank Hits 6-Year High On Strong Q3 Results, Analyst Buy Call

27th January 2026, 2:39 pm

DCB Bank Surges to 6-Year High on Robust Q3 Earnings

27th January 2026, 12:06 pm

Market Movers: Banks Mixed, Industrials Surge, Pharma Faces Scrutiny

27th January 2026, 7:08 am

MarketSmith India Flags DCB, Mtar Stocks Amidst Market Recovery

19th January 2026, 5:42 am

Documents

Announcements

Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018

3h - Depositories and Participants) Regulations, 2018, we enclose herewith Confirmation Certificate dated January 01, 2026 issued by the Registrar & Transfer Agents of the Bank viz., …

Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS

26 Dec - The Bank has issued and allotted 32,620 equity shares of Rs.10/- each today i.e. on December 26,2025 to the employees of the Bank, pursuant to …

Announcement under Regulation 30 (LODR)-Credit Rating

22 Dec - CARE reaffirmed DCB Bank ratings: Tier-II ₹400 crore AA-; CD programme ₹2,000 crore A1+ (Dec 22, 2025).

Closure of Trading Window

Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation

27 Nov 2025 - The representatives of DCB Bank Limited ('the Bank') had participated in investor meeting (One-to-One) with ChrysCapital Advisors LLP on November 27, 2025. The information which …