DCB Bank Limited (IN:DCBBANK)
:DCBBANK
Want to see IN:DCBBANK full AI Analyst Report?
Top Page
DCB Bank Limited
(DCBBANK)
Select Model
Select Model
Rating:66Neutral
Price Target:
₹206.00
▲(14.51% Upside)
Action:ReiteratedDate:04/28/26
The score is primarily held back by financial quality concerns—especially highly volatile operating/free cash flow—despite solid multi-year revenue and earnings growth and a notably improved FY2026 leverage position. Technicals are supportive with the stock trading above major moving averages and positive momentum, and valuation looks attractive on a low P/E, partially offset by a low dividend yield.
Positive Factors
Multi-year revenue and earnings growth
DCB Bank has nearly doubled revenues over five years with net income increasing materially, evidencing sustainable demand for its loan and fee products. This multi-year top-line and profit growth supports durable scale advantages and capacity to reinvest in branching and digital capabilities.
Negative Factors
Highly volatile operating cash flows
Large swings in operating cash flow reduce confidence in underlying cash earnings and suggest earnings are influenced by timing of asset/liability moves. This volatility complicates dividend capacity, provisioning consistency and capital planning over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Multi-year revenue and earnings growth
DCB Bank has nearly doubled revenues over five years with net income increasing materially, evidencing sustainable demand for its loan and fee products. This multi-year top-line and profit growth supports durable scale advantages and capacity to reinvest in branching and digital capabilities.
Read all positive factors
DCB Bank Limited (DCBBANK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹59.89B
Dividend Yield0.76%
Average Volume (3M)45.48K
Price to Earnings (P/E)6.5
Beta (1Y)1.17
Revenue Growth14.38%
EPS Growth17.18%
CountryIN
Employees11,268
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)21.31
Shares Outstanding321,917,800
10 Day Avg. Volume27,043
30 Day Avg. Volume45,476
Financial Highlights & Ratios
PEG Ratio0.42
Price to Book (P/B)0.81
Price to Sales (P/S)0.64
P/FCF Ratio0.81
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)27.91
Revenue Forecast (FY)₹39.38B
DCB Bank Limited Business Overview & Revenue Model
Company Description
DCB Bank Limited provides various banking and financial products and services in India. It operates through Treasury Operations, Wholesale Banking, Retail Banking, and Other Banking Operations segments. The Treasury Operations segment engages in v...
How the Company Makes Money
DCB Bank primarily makes money through (1) interest income on loans and advances and (2) non-interest (fee) income from banking services. Its core earnings typically come from net interest income: the bank raises funds via customer deposits and ot...
DCB Bank Limited Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
62
Positive
Cash Flow
38
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 78.61B | 82.60B | 72.12B | 58.34B | 46.10B | 39.65B |
| Gross Profit | 23.07B | 33.12B | 28.48B | 24.00B | 21.27B | 18.10B |
| EBITDA | 8.97B | 10.83B | 9.30B | 8.16B | 7.05B | 4.53B |
| Net Income | 6.70B | 7.32B | 6.15B | 5.36B | 4.66B | 2.88B |
Balance Sheet | ||||||
| Total Assets | 788.90B | 880.69B | 768.10B | 630.37B | 523.66B | 448.40B |
| Cash, Cash Equivalents and Short-Term Investments | 25.00B | 42.20B | 34.51B | 30.66B | 23.68B | 40.91B |
| Total Debt | 59.29B | 60.86B | 163.12B | 110.86B | 82.17B | 74.93B |
| Total Liabilities | 729.18B | 815.34B | 711.19B | 579.66B | 478.00B | 407.91B |
| Stockholders Equity | 59.73B | 65.35B | 56.91B | 50.71B | 45.66B | 40.49B |
Cash Flow | ||||||
| Free Cash Flow | -3.13B | 65.49B | -112.55B | -13.75B | -17.32B | 14.49B |
| Operating Cash Flow | -2.63B | 66.40B | -111.19B | -12.40B | -15.66B | 16.06B |
| Investing Cash Flow | -14.56B | -21.41B | -27.92B | -106.18B | -1.65B | -1.57B |
| Financing Cash Flow | 15.21B | -29.77B | 135.43B | 101.84B | 81.40M | -3.98B |
DCB Bank Limited Technical Analysis
Positive
179.90
Price Trends
181.39
Positive
180.52
Positive
159.57
Positive
Market Momentum
3.05
Negative
59.68
Neutral
93.15
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:DCBBANK, the sentiment is Positive. The current price of 179.9 is above the 20-day moving average (MA) of 175.49, below the 50-day MA of 181.39, and above the 200-day MA of 159.57, indicating a bullish trend. The MACD of 3.05 indicates Negative momentum. The RSI at 59.68 is Neutral, neither overbought nor oversold. The STOCH value of 93.15 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:DCBBANK.
DCB Bank Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | ₹116.30B | 6.14 | ― | 2.15% | 9.03% | 13.11% | |
74 Outperform | ₹103.74B | 6.68 | ― | 2.42% | 1.19% | -12.44% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₹59.89B | 6.53 | ― | 0.76% | 14.38% | 17.18% | |
61 Neutral | ₹68.00B | 13.04 | ― | ― | 24.35% | 6.65% | |
60 Neutral | ₹80.97B | 6.95 | ― | 1.63% | 8.92% | -30.41% | |
51 Neutral | ₹13.66B | 48.24 | ― | 2.64% | 0.44% | 68.14% |
* Financial Sector Average
IN:DCBBANK
DCB Bank Limited
180.40
48.94
37.23%
IN:CSBBANK
CSB Bank Ltd.
386.40
38.40
11.03%
IN:EQUITASBNK
Equitas Small Finance Bank Ltd.
70.55
8.85
14.34%
IN:ESAFSFB
ESAF Small Finance Bank Limited
26.99
-1.90
-6.58%
IN:KTKBANK
Karnataka Bank Ltd.
269.95
86.63
47.26%
IN:TMB
Tamilnad Mercantile Bank Limited
728.65
296.84
68.74%
DCB Bank Limited Corporate Events
DCB Bank Posts Analyst Earnings Call Audio for FY 2025-26 Results
Apr 24, 2026
DCB Bank Limited has announced that the audio recording of its earnings conference call with analysts and investors, held on April 24, 2026, covering audited financial results for the quarter and year ended March 31, 2026, is now available on its ...
DCB Bank Schedules Earnings Call on FY 2026 Results
Apr 21, 2026
DCB Bank Limited has announced that it will host an earnings call with analysts and investors on April 24, 2026, to discuss its audited financial results for the quarter and financial year ended March 31, 2026. The bank will provide access details...
DCB Bank Announces Postal Ballot Notice Dispatch and E-Voting Details
Apr 7, 2026
DCB Bank Limited has published newspaper advertisements in Business Standard and Pudhari announcing the completion of dispatch of its Postal Ballot Notice dated March 18, 2026, and providing information on e-voting for shareholders. The disclosure...
DCB Bank names Pushan Mahapatra Independent Director, backs him for Part-Time Chair
Mar 9, 2026
DCB Bank Limited has appointed veteran banker Pushan Mahapatra as an Additional and Non-Executive Independent Director for a three-year term starting March 10, 2026, subject to shareholder approval. The move follows a board decision based on the n...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.