DCBBANK
FAIRLY_VALUEDDCB Bank
Banking · NSE
↓ 5.0% vs fair value
52W Low
₹120
+51.5% from low
52W High
₹206
-12.1% from high
Valuation Gauge
Current Price
₹181
Fair Value
₹172
Fair Value Analysis
₹172
Based on balance sheet strength analysis and book value multiple and dividend growth model for Banking sector companies | Sector-cheap: P/E at 27th percentile vs sector peers. | CAUTION: ROCE declining (latest 1.2%) — returns on capital are falling; verify this isn't a value trap.
Balance Sheet Value
25% weight
P/B Multiple
35% weight
Dividend Growth Model
40% weight
Price vs Market
Shareholding Pattern
Stock Health Score
Financially Healthy
Profitability
ROE of 12.0% is acceptable for Banking sector (benchmark: 15%)
Debt & Leverage
D/E ratio of 0.9x is well within the Banking sector norm of 8.0x — strong balance sheet
Valuation vs Peers
P/E of 8.0x trades at a 46% discount to Banking sector median (15x) — attractively valued
Cash Flow
Positive operating cash flow of ₹6,549 Cr — healthy for Banking sector
Earnings Growth
5yr EPS CAGR of 16.3% is below the Banking sector average of 23.2%
Dividend
Dividend yield of 0.7% is symbolic — low but positive
Company Health Timeline
10-year financial health at a glance
Sentiment Trend — Last 30 Days
Historical Returns
Key Ratios & Growth
FCF Yield
75.9%
Free cash flow / market cap
Revenue Growth (YoY)
+9.5%
Year-on-year revenue change
Profit Growth (YoY)
+16.4%
Year-on-year PAT change
Operating Cash Flow
₹6.6K Cr
TTM cash from operations
Key Financials
EPS (TTM)
₹23
P/E Ratio
8x
P/B Ratio
0.9x
ROE
12%
ROCE
—
Debt / Equity
—
Beta
0.51
Div Yield
0.7%
FCF (Cr)
₹6,549 Cr
Revenue (Cr)
₹3,312 Cr
EPS Growth 5Y
16.3%
Mkt Cap (Cr)
₹5,909 Cr
52W High
₹205.9
52W Low
₹119.5
Book Value/Share
₹202.6
Financial History
| Period | Revenue | Op Profit | OPM% | PAT | EPS |
|---|---|---|---|---|---|
| 2026-03-31 | ₹7.4K Cr | ₹122 Cr | 2.0% | ₹732 Cr | ₹22.73 |
| 2025-03-31 | ₹6.5K Cr | ₹180 Cr | 3.0% | ₹615 Cr | ₹19.58 |
| 2024-03-31 | ₹5.4K Cr | ₹342 Cr | 6.0% | ₹536 Cr | ₹17.13 |
| 2023-03-31 | ₹4.2K Cr | ₹295 Cr | 7.0% | ₹466 Cr | ₹14.95 |
| 2022-03-31 | ₹3.5K Cr | ₹1 Cr | 0.0% | ₹288 Cr | ₹9.25 |
| 2021-03-31 | ₹3.5K Cr | ₹64 Cr | 2.0% | ₹336 Cr | ₹10.81 |
| 2020-03-31 | ₹3.5K Cr | ₹152 Cr | 4.0% | ₹338 Cr | ₹10.89 |
| 2019-03-31 | ₹3.0K Cr | ₹201 Cr | 7.0% | ₹325 Cr | ₹10.51 |
| 2018-03-31 | ₹2.4K Cr | ₹129 Cr | 5.0% | ₹245 Cr | ₹7.96 |
| 2017-03-31 | ₹2.1K Cr | ₹97 Cr | 5.0% | ₹200 Cr | ₹7.00 |
| 2016-03-31 | ₹1.7K Cr | ₹70 Cr | 4.0% | ₹195 Cr | ₹6.84 |
| 2015-03-31 | ₹1.4K Cr | ₹66 Cr | 5.0% | ₹191 Cr | ₹6.78 |
Compounded Growth Rates
Sales Growth
Profit Growth
EPS Growth
Peer Comparison
Banking| Stock | Price | Fair Value | MoS% | P/E | ROE | Signal |
|---|---|---|---|---|---|---|
Central Bank of India | ₹31.2 | ₹51.3 | +39.2% | 6.8 | 13.2% | UNDERVALUED |
Canara Bank | ₹128.5 | ₹204.4 | +37.1% | 5.3 | 17.6% | UNDERVALUED |
Canara Bank | ₹128.5 | ₹201.1 | +36.1% | — | — | UNDERVALUED |
IDBI Bank Limited | ₹72.6 | ₹98.8 | +26.5% | 8.1 | 14.2% | FAIRLY_VALUED |
Bank of India | ₹139.9 | ₹186.5 | +25.0% | 6.3 | 12.1% | FAIRLY_VALUED |
Bank of Maharashtra | ₹80.3 | ₹104.8 | +23.4% | 8.6 | 22.7% | FAIRLY_VALUED |
Bank of Baroda | ₹266.8 | ₹344.4 | +22.5% | 6.8 | 12.7% | FAIRLY_VALUED |
Punjab National Bank | ₹102.9 | ₹129.9 | +20.8% | 6.4 | 13.0% | FAIRLY_VALUED |
Institutional Activity
Bulk deals, block deals, short selling & delivery volume — NSE data
Insider Trading
Community Pulse
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