DCB Bank Limited (DCBBANK) AI Stock Analysis

• Market Cap: ₹57.88B
• Dividend Yield: 0.76%
• Average Volume (3M): 45.48K
• Price to Earnings (P/E): 8.4
• Beta (1Y): 1.22
• Revenue Growth: 21.44%
• EPS Growth: 17.14%
• Country: IN
• Employees: 11,268
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 5.82
• Shares Outstanding: 321,744,900
• 10 Day Avg. Volume: 27,043
• 30 Day Avg. Volume: 45,476
• PEG Ratio: 0.41
• Price to Book (P/B): 0.63
• Price to Sales (P/S): 0.50
• P/FCF Ratio: -0.32
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 71 Outperform
• Price Target: ₹206.00 ▲(14.51% Upside)

DCB Bank Limited's stock score is driven by strong technical indicators and a favorable valuation, suggesting potential for price appreciation. However, financial performance is hindered by cash flow challenges and high leverage, which are significant risks. The absence of earnings call insights and corporate events means these factors do not influence the score.

Positive Factors

Revenue Growth

Consistent revenue growth indicates the bank's ability to expand its market presence and enhance its service offerings, which is crucial for long-term sustainability.

Cost Management

Efficient cost management allows the bank to maintain healthy margins, supporting profitability and providing a buffer against economic fluctuations.

Return on Equity

A decent return on equity suggests the bank is effectively using shareholders' funds to generate profits, which is a positive indicator of management efficiency.

Negative Factors

High Leverage

High leverage can increase financial risk, especially in volatile markets, potentially affecting the bank's ability to manage debts and sustain operations.

Cash Flow Management

Negative cash flows highlight potential liquidity issues, which could impact the bank's ability to invest in growth opportunities and meet short-term obligations.

Profitability

A low net profit margin indicates potential inefficiencies in converting revenue into actual profit, which could hinder long-term growth and shareholder value.

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 various financial markets activities undertaken on behalf of the company's customers, proprietary trading, maintenance of reserve requirements, and resource mobilization from other banks and financial institutions. The Wholesale Banking segment's activities include lending, deposit taking, and other services offered to corporate customers. The Retail Banking segment's activities comprise lending, deposit taking, and other services offered to retail customers. The Other Banking Operations segment provides para banking services, such as third-party product distribution, merchant banking, etc. As of May 07, 2022, it operated through a network of 400 branches in India. The company was formerly known as Development Credit Bank Limited and changed its name to DCB Bank Limited in October 2013. DCB Bank Limited was incorporated in 1995 and is based in Mumbai, India.

How the Company Makes Money

DCB Bank generates revenue primarily through interest income from loans and advances, which constitutes a significant portion of its earnings. The bank lends money to individuals and businesses at higher interest rates compared to the interest it pays on deposits, creating a net interest margin. Additionally, DCB Bank earns fees and commissions from various services including account maintenance, transaction services, and wealth management. The bank also generates income through its treasury operations, which involve managing investments in government securities and other financial instruments. Strategic partnerships and collaborations with fintech companies further enhance its service offerings and customer reach, contributing to its overall revenue.

DCB Bank Limited Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	76.25B	72.12B	58.34B	46.10B	39.65B	39.04B
Gross Profit	30.21B	28.48B	24.00B	21.27B	18.10B	17.33B
EBITDA	8.63B	9.30B	8.16B	7.05B	4.53B	5.09B
Net Income	6.41B	6.15B	5.36B	4.66B	2.88B	3.36B
Balance Sheet
Total Assets	0.00	768.10B	630.37B	523.66B	448.40B	396.02B
Cash, Cash Equivalents and Short-Term Investments	0.00	34.51B	30.66B	23.68B	40.91B	30.89B
Total Debt	0.00	163.12B	110.86B	82.17B	74.93B	70.82B
Total Liabilities	-56.91B	711.19B	579.66B	478.00B	407.91B	358.44B
Stockholders Equity	56.91B	56.91B	50.71B	45.66B	40.49B	37.59B
Cash Flow
Free Cash Flow	0.00	-112.55B	-13.75B	-17.32B	14.49B	-15.82B
Operating Cash Flow	0.00	-111.19B	-12.40B	-15.66B	16.06B	-15.02B
Investing Cash Flow	0.00	-27.92B	-106.18B	-1.65B	-1.57B	-793.73M
Financing Cash Flow	0.00	135.43B	101.84B	81.40M	-3.98B	10.75B

DCB Bank Limited Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 179.90
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 173.69, above the 50-day MA of 174.37, and above the 200-day MA of 143.58, indicating a bullish trend. The MACD of 2.47 indicates Negative momentum. The RSI at 59.75 is Neutral, neither overbought nor oversold. The STOCH value of 71.22 is Neutral, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TMB	79 Outperform	₹90.13B	7.42	―	2.15%	7.08%	7.69%
DCBBANK	71 Outperform	₹57.88B	8.44	―	0.76%	21.44%	17.14%
KTKBANK	70 Outperform	₹71.03B	6.19	―	2.42%	―	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CSBBANK	65 Neutral	₹87.80B	14.14	―	―	32.90%	12.28%
EQUITASBNK	56 Neutral	₹76.39B	-83.79	―	1.63%	10.02%	-120.18%
ESAFSFB	45 Neutral	₹13.24B	-2.24	―	2.64%	-8.71%	-2192.08%

DCB Bank Limited Corporate Events

DCB Bank Allots 32,620 Equity Shares Under Employee Stock Option Plan

DCB Bank Limited has allotted 32,620 equity shares with a face value of Rs.10 each to its employees under its Employee Stock Option Plan, following a meeting held on December 26, 2025. This allotment results in a marginal increase in the bank’s issued and paid-up share capital from 321,712,297 to 321,744,917 equity shares, reflecting the bank’s ongoing use of equity-based compensation to incentivise and retain employees while slightly diluting existing shareholdings.

CARE Reaffirms Strong Ratings for DCB Bank on Capital Strength and Stable Asset Quality

DCB Bank Limited has had its credit ratings reaffirmed by CARE Ratings Limited, which maintained a ‘CARE AA-; Stable’ rating on its ₹400 crore Basel III-compliant Tier II bonds and ‘CARE A1+’ on both its enhanced ₹2,000 crore certificate of deposit programme and its short-term fixed deposit programme. The rating action reflects DCB Bank’s comfortable capitalisation backed by regular capital infusions, including recent promoter support from the Aga Khan Fund for Economic Development, consistent profitability, stable asset quality, and a seasoned management team, while also noting constraints such as its moderate resource profile, average earnings compared with peers, and modest scale of operations; the Stable outlook indicates expectations of steady growth in advances and deposits, though profitability may face pressure in FY26 from faster transmission of rate cuts to lending yields than to funding costs.

DCB Bank Announces Trading Window Closure in Compliance with SEBI Regulations

DCB Bank Limited has announced the closure of its trading window in compliance with SEBI’s regulations on insider trading. This closure will be effective from December 16, 2025, until 48 hours after the announcement of the bank’s financial results for the quarter ending December 31, 2025. This move is part of the bank’s adherence to regulatory requirements, ensuring transparency and fairness in its operations.

DCB Bank Engages in Investor Meeting with HDFC Life

DCB Bank Limited participated in a one-to-one investor meeting with HDFC Life Insurance Company Limited, discussing information already available in the public domain. This meeting aligns with the bank’s commitment to transparency and regulatory compliance, potentially enhancing investor relations and market confidence.

DCB Bank Engages in Investor Meeting with Nippon Life

DCB Bank Limited announced that its representatives participated in a one-on-one investor meeting with Nippon Life India Asset Management Limited. The meeting involved discussions on information already available in the public domain, indicating a focus on transparency and maintaining investor relations.

DCB Bank Engages in Investor Meeting with ChrysCapital

DCB Bank Limited has announced its participation in a one-to-one investor meeting with ChrysCapital Advisors LLP. The meeting, held on November 20, 2025, involved discussions limited to information already available in the public domain, indicating a focus on transparency and stakeholder engagement.

DCB Bank Limited Amends Articles of Association

DCB Bank Limited has announced an amendment to its Articles of Association, specifically altering Article 140B concerning the special position of the Whole Time Director. The amendment, approved by the Board of Directors, allows for the possibility of the Whole Time Director being subject to retirement by rotation, pending approval from the Reserve Bank of India and the bank’s shareholders. This change could impact the governance structure of the bank, potentially affecting the roles and responsibilities of its executive leadership.