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DCB Bank Ltd

NSE: DCBBANK BSE: 532772

158.33

(-4.75%)

Wed, 01 Apr 2026, 08:42 am

DCB Bank Analysis

dividend

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Pros

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    Cons

    • Unable to calculate sustainability of dividends as DCB Bank has not reported any payouts.
    • Unable to evaluate DCB Bank's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
    • Unable to evaluate DCB Bank's dividend against the top 25% market benchmark as the company has not reported any payouts.

    health

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    Pros

    • DCB Bank's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
    • DCB Bank's liabilities are made up of primarily low risk sources of funding.
    • DCB Bank has an acceptable proportion of non-loan assets held.
    • Loans at DCB Bank are broadly funded by customer deposits.
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    Cons

    • DCB Bank has a high level of bad loans (greater than 2%).

    management

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    Pros

    • The tenure for the DCB Bank board of directors is about average.
    • Murali's compensation has been consistent with company performance over the past year, both up more than 20%.
    • The average tenure for the DCB Bank management team is over 5 years, this suggests they are a seasoned and experienced team.
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    Cons

    • Murali's remuneration is higher than average for companies of similar size in India.

    misc

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    Pros

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      Cons

      • DCB Bank is not covered by any analysts.
      • DCB Bank has significant price volatility in the past 3 months.

      past

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      Pros

      • DCB Bank's year on year earnings growth rate has been positive over the past 5 years.
      • DCB Bank used its assets more efficiently than the IN Banks industry average last year based on Return on Assets.
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      Cons

      • DCB Bank's 1-year earnings growth is less than its 5-year average (3.8% vs 14.8%)
      • DCB Bank has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
      • DCB Bank's earnings growth has not exceeded the IN Banks industry average in the past year (3.8% vs 21%).

      value

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      Pros

      • DCB Bank is good value based on earnings compared to the IN Banks industry average.
      • DCB Bank is good value based on earnings compared to the India market.
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      Cons

      • DCB Bank's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
      • DCB Bank's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
      • DCB Bank is overvalued based on assets compared to the IN Banks industry average.
      • DCBBANK underperformed the Banks industry which returned -37.5% over the past year.
      • DCBBANK underperformed the Market in India which returned -14.5% over the past year.
      • NSEI:DCBBANK is flat (0.8%) underperforming the Banks industry which returned 7.6% over the past month.
      • NSEI:DCBBANK is flat (0.8%) underperforming the market in India which returned 8% over the past month.

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      Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800