Fin Cascade
Get Android appGet iOS app

Prices as of 8 Oct 2026 close · Not investment advice

DCB Bank Limited

NSE: DCBBANKPrivate Sector Bank

Share price

₹196.56

-2.30% close of 8 Oct 2026

Market cap ₹6,329 CrP/E 8.0

Business score

How strong the business is, in one number. The parts behind it are in Pro.

70

out of 100 · worked out 8 Oct 2026

Your ratios

The numbers you want to see first. Tap Edit to change them.

Market cap

₹6,329 Cr

P/E ratio

8.0

P/B ratio

1.0

ROCE

7.4%

ROE

12.0%

Dividend yield

0.7%

Price & valuation chart

How the share price and its valuation have moved. Hover over the chart to see any day. Prices as of the last close.

Prices as of 8 Oct 2026 close52-week high ₹229.5552-week low ₹129.03

Answers

Simple answers to the questions investors ask most, from the company's own numbers.

How fast it has been growing

Sales grew 11.5% over the past year, and 17.4% a year over its longer record. Meanwhile what it keeps on lending slipped from 3.8% to 3% over the last two years.

Whether it grew faster than its sector

It grew 17.4% a year against a sector median of 16.0% — 1.4 percentage points faster.

Room to re-rate, or risk of de-rating

At 8.0× earnings against a market that pays 23.9× across 2199 companies we can price. Its own industry sits at 16.9×, across 5 companies. It is against its own five-year median of 8.2×, the 45th percentile of its own range.

Whether growth justifies the valuation

Priced at 0.5 times its growth rate, on earnings growth of 16%.

Profit growthPrice per ₹1 profitPer 1% growth
DCB Bank Limited — this one16%/yr8.0×₹0.50
Kotak Mahindra Bank9%/yr21.6×₹2.4
Axis Bank35%/yr13.9×₹0.40
IDBI Bank Limited35%/yr9.6×₹0.27
Federal Bank11%/yr16.9×₹1.5
IDFC First Bank-13%/yr29.3×—

Compared with companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

How it compares with its peers

Against companies the exchange files under the same label (Private Sector Bank), it ranks 11 of 20 on returns, 9 of 20 on growth. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

What makes it hard to beat — and is that still true?

No durable advantage shows in the numbers: it earns 12.0% on capital, ahead of 45% of companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

Whether its growth pays for itself

This question does not fit a lender: the money it lends out is its day-to-day outflow and the deposits or premiums it takes are the inflow, so a cash bridge cannot say whether its growth pays for itself. Look at the return on owners' money instead.

Profit reality check

Is the profit real cash? Simple checks on the accounts. Facts only, not advice.

Not enough filed accounts to run these checks yet.

Latest result

What the last results showed. Whether management kept its word is in Pro.

Results are expected soon.

Checklist before you investPRO

Points for and against, in one list.

Key numbers & peers

The main numbers grouped by topic, and how the company compares with similar ones.

Price

Market cap
₹6,329 Cr
Prev close
₹196.56
52w High
₹235
52w Low
₹127
Enterprise value
₹6,339 Cr
Beta
1.2
Price CAGR 1y
56.0%
Price CAGR 3y
19.0%
Price CAGR 5y
17.0%
Price CAGR 10y
5.0%

Ratios

Return on assets
0.8%
PEG ratio
0.5
P/E ratio
8.0
P/B ratio
1.0
EV / EBITDA
27.8
Industry P/E
13.7
ROCE
7.4%
ROCE 5y average
—
ROE
12.0%
Debt / Equity
0.9
Interest coverage
—
Dividend yield
0.7%
ROE 3y average
12.0%
ROE last year
12.0%

Annual P&L

Annual revenue
₹7,404 Cr
Annual profit
₹732 Cr
Operating margin
3.0%
Net profit margin
9.9%
EBITDA margin
3.1%
Sales growth 3y
20.8%
Sales growth 5y
16.4%
Profit growth 3y
16.0%
Profit growth 5y
17.0%
EPS
₹22.7
Sales growth TTM
11.0%
Profit growth TTM
23.0%
Dividend payout
6.0%

Quarter P&L

Sales latest quarter
₹1,984 Cr
Profit latest quarter
₹213 Cr
YoY quarterly sales growth
9.4%
YoY quarterly profit growth
35.7%
OPM latest quarter
5.0%

Balance Sheet

Book Value
₹203
Face Value
₹10.0
Total debt
₹6,086 Cr
Total cash
₹1,141 Cr
Borrowings
₹6,086 Cr
Reserves / Equity
19.3

Cash Flow

Operating cash flow
₹6,640 Cr
Free cash flow
₹6,551 Cr
FCF yield
—
Net cash flow
₹1,522 Cr

Shareholding

Promoter holding
16.2%
FII holding
13.5%
DII holding
32.3%
Public holding
38.0%

Peer comparison

CompanyPrice ₹P/EMkt cap ₹ CrDiv yield %Profit qtr ₹ CrProfit var %Sales qtr ₹ CrSales var %ROCE %
HDFC Bank702.7513.710,83,5421.8520,382.718.490,575.33.77.0
ICICI Bank1,357.5017.49,74,5420.8816,276.213.952,240.96.47.2
Kotak Mah. Bank440.0021.94,37,7070.155,480.522.618,354.66.47.0
Axis Bank1,242.5013.93,86,8860.087,670.422.235,542.09.96.2
IDBI Bank85.679.992,1160.002,130.65.37,549.37.45.9
Federal Bank323.5017.179,9910.371,302.536.87,861.69.96.4
IDFC First Bank79.5430.568,5860.311,075.0132.411,051.114.66.0
DCB Bank201.198.26,4820.72213.235.61,984.39.47.4
Median315.0013.847,9300.34628.729.64,735.49.66.4

Competes with: Axis Bank, Federal Bank, HDFC Bank, ICICI Bank, IDBI Bank Limited, IDFC First Bank, IndusInd Bank, Kotak Mahindra Bank, Yes Bank Limited

Quarterly results

Sales and profit for each of the last 13 quarters. Newest on the right. ₹ crore.

Standalone · to 30 Jun 2026
Line itemJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue1,2381,3061,3741,4451,4891,5681,6711,7421,8141,8231,8611,9071,984
Expenses407412427434463504523539605539597594593
Financing Profit646347733452019-2457276291
Financing Margin %55352011-13135
Other Income107107124136143205184219236186221212196
Interest7678309009379931,0591,1281,1841,2331,2271,2361,2521,300
Depreciation-0-0-0-0-0-0-0-0-0-0-0-0-0
Profit before tax171171171210177210204238212243249273287
Tax %26262626262626262624262526
Net Profit127127127156131155151177157184185206213
EPS in Rs4.074.064.064.984.194.964.835.6355.845.746.396.62
Gross NPA %3.263.363.433.233.333.293.112.992.982.912.722.452.43
Net NPA %1.191.281.221.111.181.171.181.121.221.211.100.890.84
Gross NPA1,5541,5541,5681,5681,4961,482
Income on Investments341368367361344367
Interest on Advances1,3851,4301,4421,4791,5391,601
Interest on RBI and Inter-bank Balances8.578.467.53122012
Net NPA572625641623534504

Profit & loss

Yearly sales, costs and profit for 12 years, plus the last 12 months (TTM). ₹ crore.

Standalone · to 31 Mar 2026
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue1,4221,6982,0762,4133,0413,5373,4583,5134,2005,3626,4717,4047,575
Expenses4435507008669491,1131,2231,3561,4221,5861,9272,2282,323
Financing Profit667097129201152641295342180228237
Financing Margin %5455742076333
Other Income166220249310350391446452409474751855815
Interest9141,0791,2791,4181,8922,2722,1722,1552,4833,4344,3644,9485,015
Depreciation232939534451576477941011060
Profit before tax2082613073865074924533906287228299771,052
Tax %82635363631262626262625
Net Profit191195200245325338336288466536615732788
EPS in Rs6.786.8477.961111119.251517202325
Dividend Payout %-0-07910-0-0118776

Compounded growth

Average yearly growth over different spans, as stored. A span can cross a demerger or an acquisition.

Compounded sales growth

10 years
16%
5 years
16%
3 years
21%
TTM
11%

Compounded profit growth

10 years
14%
5 years
17%
3 years
16%
TTM
23%

Stock price CAGR

10 years
5%
5 years
17%
3 years
19%
1 year
56%

Return on equity

10 years
11%
5 years
11%
3 years
12%
Last year
12%

Balance sheet

What the company owns and what it owes, at the end of each year. ₹ crore.

Standalone
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital282284285308310310311311312313314322
Reserves1,3071,5081,9202,5002,8063,1123,4483,7384,2554,7585,3766,213
Borrowing1,0991,1481,2761,9272,7233,4084,4824,0824,1186,2199,1156,086
Deposits12,67414,92619,28924,00728,43530,37029,70434,69241,23949,35360,03172,583
Other Liabilities7711,2521,2761,4811,5181,3051,6571,9702,4432,3931,9732,865
Total Liabilities16,13219,11924,04630,22235,79238,50539,60244,79352,36663,03776,81088,069
Fixed Assets237248489494526546569608783841832949
CWIP-0-0-0-0-0-0-05344246641
Investments3,9624,3335,8186,2197,8447,7428,4149,05112,58216,21120,15020,378
Advances51,04760,022
Other Assets11,93314,53717,74023,50927,42230,21830,62035,08138,95745,96155,76166,702
Total Assets16,13219,11924,04630,22235,79238,50539,60244,79352,36663,03776,81088,069

Cash flows

Real money coming in and going out each year — from the business, from investments and from loans. ₹ crore.

Standalone
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity-496220240230-281171-1,5021,606-1,566485-4416,640
Cash from Investing Activity-29-41-71-59-76-72-79-157-165-1,858-2,792-2,141
Cash from Financing Activity554-61321,0097796541,075-39882,0702,865-2,977
Net Cash Flow301723011,180421752-5071,051-1,722697-3671,522
Free Cash Flow-525179169171-35899-1,5821,449-1,730352-5766,551

Ratios

How fast customers pay, how long stock sits, and how well capital earns — year by year.

Standalone
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %1412101011109711111112

Shareholding pattern

Who owns the company — founders (promoters), foreign funds, Indian funds and the public. In %.

Standalone · to 30 Jun 2026
Line itemSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters151515151515151515161616
FIIs1313131511119.641210121313
DIIs393430282728293232323332
Public333843434847464243403838
No. of Shareholders1,72,6191,85,6922,48,4712,42,7492,47,9612,38,5702,34,2192,09,8812,04,9981,89,1881,81,7851,77,116

Price trend

The price as a Renko brick chart: small moves drop out so the bigger path stands out.

Change over 1 year +51.8% (₹129.45 → ₹196.56)Brick size ₹7.17 (fixed)Bricks 27
₹150₹197Nov '25Feb '26May '26Sep '26
Price moved up one brickPrice moved down one brickLast close ₹196.56 on 8 Oct 2026

Every brick is the same size, about one typical day's move. A new brick needs a full brick's move; turning the other way needs two. Bricks show where the price went, not where it will go.

Open interestPRO

Where option traders are positioned on this stock.

Industry numbers

The numbers that matter most in this industry, from the company's own filings.

1 when an audit qualification is filed as repetitive

0.00flag

2026-03-31

capital adequacy (CRAR) %

17.03

CASA ratio %

21.65pct

2026-06-30

cost-to-income %

60.92pct

2026-06-30

credit cost

0.26pct

2026-06-30

the company's own unlisted debt securities in default at period end

0.00cr

2026-06-30

gross NPA %

2.43pct

2026-06-30

the company's own loans / revolving facilities in default at period end (standalone filing)

0.00cr

2026-06-30

net NPA %

0.84pct

2026-06-30

net interest margin %

3.35pct

2026-06-30

guarantees / comfort given for promoter, promoter group, directors and KMP

0.00cr

2026-03-31

loans outstanding to promoter, promoter group, directors and KMP (governance filing)

0.00cr

2026-03-31

security given for the borrowing of promoter, promoter group, directors and KMP

0.00cr

2026-03-31

provision coverage %

79.81

FY revenue / permanent employees + workers, same basis (calc)

65,30,828inr

2026-03-31

return on assets %

0.91pct

2026-03-31

News

News and filings about DCB Bank Limited. Open one to see why it matters.

Supply chain

Who it buys from, sells to and competes with — as recorded in our map of company links.

Competes with

Depends on the price of

  • Bond Markets
  • Interest Rates

Sells products of

Products sold by

Buys from

About

What the company is, from our own records: where it sits, where it makes things, and what it is made of.

Sector
Financial Services
Industry
Private Sector Bank
Classification
Financial Services › Private Sector Bank
ISIN
INE503A01015

News impact

Big market events that reach DCB Bank Limited, and how the effect spreads.

Who it hits first

  • Federal Bank would fund a control stake in Jana Small Finance Bank plus a mandatory open offer, which means either new shares or a drawdown of capital - the reason its own stock fell 3%
  • Jana Small Finance Bank shareholders would receive an exit at a control premium
  • Federal Bank would absorb a microfinance-heavy loan book, which earns more but goes bad more often than its existing lending

Who may gain

  • Listed microfinance-led small finance banks Ujjivan and Equitas, which get repriced as potential targets
  • AU Small Finance Bank, whose own franchise valuation is validated
  • Jana Holdings and the private equity backers who get a clean exit

Along the supply chain

Downstream

The customers of both banks are borrowers and depositors. Jana's microfinance borrowers would move onto a larger balance sheet with cheaper deposit funding, which usually means lower lending rates for them over time. Federal Bank's existing depositors face no change. Competing microfinance lenders in Jana's districts would face a better-funded rival.

Upstream

Banks do not have a manufacturing supply chain. The nearest equivalent is technology and services vendors: Federal Bank's disclosed suppliers in the knowledge graph are AAATECH and Reliable Data Services, and a merger of this size typically means a multi-year core-banking and data migration programme for whichever vendor wins it.

Where demand moves

Business

No lending demand is created or destroyed - the same borrowers get the same loans, just from a differently-owned lender. What does change is distribution reach: Federal Bank would inherit Jana's roughly 800 microfinance-focused branches in geographies where it is thin, and Jana's borrowers would gain access to Federal Bank's cheaper deposit funding, which over time lowers their interest cost.

Capital

Money moved out of the acquirer on announcement day - Federal Bank fell 3% on dilution fear - and toward the potential-target pocket, which is why listed small finance banks like Ujjivan and Equitas are the read-across. The precedent set says that flow reverses within a month as the market re-underwrites the acquirer's franchise gain, with acquirers averaging +8.71% at one month and Federal Bank itself +1.59%.

How it spreads across sectors

Financial Services

Revives the small finance bank consolidation theme, repricing every listed small finance bank as a potential target and putting South Indian private banks back in the frame

When it plays out

Immediate

Over the next week Federal Bank stays under pressure on dilution fear until the deal structure and price are confirmed. Listed small finance banks trade firm on the target read-across.

Medium term

Over one to six months, if the deal proceeds, the question becomes whether Federal Bank can run a microfinance book without a spike in bad loans - the reason its shares fell in the first place. If it is abandoned, the target read-across in Ujjivan and Equitas unwinds.

Short term

Over one to four weeks, watch for an exchange filing confirming or denying the talks, the price paid and how it is funded. Reserve Bank approval for a controlling stake in a small finance bank is not automatic and is the main execution risk.

Dividends, splits & big trades

Money paid out, share splits and buybacks, and big buys or sells by funds and insiders.

Dividends

12 Jun 2026unspecified₹1.45
4 Jul 2025unspecified₹1.35
10 May 2024unspecified₹1.25
15 Jun 2023unspecified₹1.25
14 Jun 2022unspecified₹1
23 May 2019unspecified₹1
24 May 2018unspecified₹0.75
24 May 2017unspecified₹0.5

Splits, bonuses & buybacks

  • daily-prices repair: 9 rows from NSE's archive (replace 1, delete 1, insert 7), 2016-10-30..2026-02-01 (docs/flat_day_repair.md)1× · 30 Oct 2016

Bulk & block deals

DateWhoBought / soldSharesPrice
27 Aug 2026OMAN INDIA JOINT INVESTMENT FUND IISELL37,00,000₹217.01

Documents

Annual reports, results presentations and earnings calls, straight from the source.

Facts from company filings and exchange data. Not investment advice: nothing here tells you to buy or sell.