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DCB Bank Limited
(DCBBANK)
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Rating:68Neutral
Price Target:
₹247.00
▲(15.56% Upside)
Action:Reiterated
Date:08/22/26
The score is primarily driven by mixed financial quality: strong revenue/earnings growth and improved FY2026 balance-sheet leverage are offset by highly volatile multi-year operating/free cash flow. Supporting the rating, technicals show a clear uptrend with positive momentum, and valuation is favorable with a low P/E, while the dividend yield is modest.
Positive Factors
Sustained Revenue and Earnings Growth
Multi-year revenue and net income growth indicates expanding business scale and continued customer demand across the bank’s lending and service offerings. Sustained earnings progression can strengthen internal capital generation and support further investment in distribution and digital capabilities.
Negative Factors
Volatile Cash Generation
Large year-to-year swings in operating cash flow reduce confidence that reported earnings consistently convert into cash. The volatility may complicate capital planning and liquidity management, making it harder to assess the durability of cash earnings even after the strong FY2026 rebound.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Revenue and Earnings Growth
Multi-year revenue and net income growth indicates expanding business scale and continued customer demand across the bank’s lending and service offerings. Sustained earnings progression can strengthen internal capital generation and support further investment in distribution and digital capabilities.
Read all positive factors
DCB Bank Limited (DCBBANK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹65.69B
Dividend Yield0.71%
Average Volume (3M)102.50K
Price to Earnings (P/E)8.3
Beta (1Y)1.26
Revenue Growth9.85%
EPS Growth20.48%
CountryIN
Employees11,337
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)24.61
Shares Outstanding322,189,420
10 Day Avg. Volume60,586
30 Day Avg. Volume102,498
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)28.32
Revenue Forecast (FY)₹38.68B
DCB Bank Limited Business Overview & Revenue Model
Company Description
Incorporated in 1995 and based in Mumbai, India, DCB Bank Limited offers a diverse array of banking and financial solutions across the country. Its operations are organized into several key divisions. The Treasury Operations segment handles financ...
How the Company Makes Money
DCB Bank primarily makes money through (1) net interest income and (2) non-interest (fee and other) income, with operating costs and credit losses influencing overall profitability.
1) Net interest income (core earnings): The bank raises funds ma...
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 | 83.91B | 82.60B | 72.12B | 58.34B | 46.10B | 39.65B |
| Gross Profit | 32.58B | 33.12B | 28.48B | 24.00B | 21.27B | 18.10B |
| EBITDA | 11.06B | 10.83B | 9.30B | 8.16B | 7.05B | 4.53B |
| Net Income | 7.88B | 7.32B | 6.15B | 5.36B | 4.66B | 2.88B |
Balance Sheet | ||||||
| Total Assets | 0.00 | 880.69B | 768.10B | 630.37B | 523.66B | 448.40B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 42.20B | 34.51B | 30.66B | 23.68B | 40.91B |
| Total Debt | 0.00 | 180.80B | 163.12B | 110.86B | 82.17B | 74.93B |
| Total Liabilities | -65.35B | 815.34B | 711.19B | 579.66B | 478.00B | 407.91B |
| Stockholders Equity | 65.35B | 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
213.75
Price Trends
205.46
Negative
194.46
Positive
187.57
Positive
Market Momentum
-3.07
Positive
45.62
Neutral
36.52
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 213.75 is above the 20-day moving average (MA) of 211.62, above the 50-day MA of 205.46, and above the 200-day MA of 187.57, indicating a neutral trend. The MACD of -3.07 indicates Positive momentum. The RSI at 45.62 is Neutral, neither overbought nor oversold. The STOCH value of 36.52 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | ₹65.69B | 8.28 | ― | 0.71% | 9.85% | 20.48% | |
66 Neutral | ₹119.37B | 13.16 | ― | 3.38% | 15.87% | 70.88% | |
63 Neutral | ₹736.34B | 25.69 | ― | 0.10% | 14.96% | 30.22% | |
63 Neutral | ₹51.80B | 13.57 | ― | ― | 17.48% | -12.60% | |
58 Neutral | ₹52.12B | 7.84 | ― | ― | 21.88% | 10.95% | |
56 Neutral | ₹75.52B | 14.77 | ― | 1.27% | 9.24% | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:DCBBANK
DCB Bank Limited
203.90
75.73
59.08%
IN:AUBANK
AU Small Finance Bank Limited
980.00
213.75
27.89%
IN:CSBBANK
CSB Bank Ltd.
300.45
-83.55
-21.76%
IN:EQUITASBNK
Equitas Small Finance Bank Ltd.
66.01
10.30
18.49%
IN:JSFB
Jana Small Finance Bank Ltd
489.50
15.60
3.29%
IN:UJJIVANSFB
Ujjivan Small Finance Bank Ltd.
61.18
12.50
25.68%
DCB Bank Limited Corporate Events
DCB Bank denies any undisclosed material event amid PE capital infusion rumours
Aug 26, 2026
DCB Bank has responded to a stock exchange query regarding a media report claiming the bank is in talks with private equity firms for a capital infusion, stating that while it periodically evaluates strategic and funding options, there is currentl...
DCB Bank Posts Q1 FY27 Earnings Call Transcript for Investor Review
Jul 30, 2026
DCB Bank Limited has submitted to the stock exchanges the official transcript of its Q1 FY27 earnings conference call held on July 24, 2026, covering the unaudited financial results for the quarter ended June 30, 2026. The document, led by senior ...
DCB Bank Raises Share Capital Through ESOP Allotment
Jul 30, 2026
DCB Bank Limited has allotted 71,260 equity shares to its employees under the bank’s Employee Stock Option Plan, issuing shares with a face value of Rs.10 each as part of its established compensation and incentive structure. This move lifts ...
DCB Bank posts audio of Q1 FY 2026-27 earnings call for investors
Jul 24, 2026
DCB Bank Limited is a private sector bank headquartered in Mumbai, offering a range of retail and corporate banking services to customers and businesses across India. The bank focuses on financial products such as deposits, loans, and transactiona...
CARE reaffirms strong credit ratings for DCB Bank’s bonds and deposits
Jul 7, 2026
DCB Bank Limited has had its credit ratings reaffirmed by CARE Ratings, which maintained a CARE AA-; Stable rating on its ₹400 crore Basel III-compliant Tier II bonds and CARE A1+ on its ₹2,000 crore certificate of deposit programme an...
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.