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DCB Bank Limited
(DCBBANK)
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Rating:65Neutral
Price Target:
₹205.00
▲(10.16% Upside)
Action:Reiterated
Date:08/04/26
The score is primarily constrained by financial performance risk, driven by highly volatile cash flows and a history of elevated leverage (despite FY2026 improvement). Offsetting this, the stock benefits from a low P/E valuation and a technically positive trend with price holding above major moving averages.
Positive Factors
Multi‑year revenue and net income growth
Sustained top‑line and net income expansion over multiple years shows the bank is scaling its franchise across retail, SME and corporate segments. Durable growth improves capacity to absorb shocks, finance strategic investments, and compound capital formation even if margins cycle.
Negative Factors
Highly volatile operating and free cash flows
Large year‑to‑year swings in operating and free cash flow indicate earnings quality and ALM sensitivity. Such volatility complicates capital planning, dividend policy and provisioning, and raises the risk that working‑capital or balance‑sheet timing—not sustainable core earnings—drive reported profits.
Read all positive and negative factors
Positive Factors
Negative Factors
Multi‑year revenue and net income growth
Sustained top‑line and net income expansion over multiple years shows the bank is scaling its franchise across retail, SME and corporate segments. Durable growth improves capacity to absorb shocks, finance strategic investments, and compound capital formation even if margins cycle.
Read all positive factors
DCB Bank Limited (DCBBANK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹58.94B
Dividend Yield0.8%
Average Volume (3M)45.48K
Price to Earnings (P/E)7.4
Beta (1Y)1.21
Revenue Growth9.85%
EPS Growth20.48%
CountryIN
Employees11,337
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)24.61
Shares Outstanding322,148,680
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)28.22
Revenue Forecast (FY)₹38.74B
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 earns money through (1) net interest income and (2) fee and other non-interest income. Net interest income is generated by lending and investing funds raised largely from customer deposits: the bank pays interest on savings/curr...
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
Negative
186.10
Price Trends
186.86
Negative
183.12
Negative
180.38
Positive
Market Momentum
-1.13
Positive
42.87
Neutral
15.56
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:DCBBANK, the sentiment is Negative. The current price of 186.1 is below the 20-day moving average (MA) of 188.23, below the 50-day MA of 186.86, and above the 200-day MA of 180.38, indicating a neutral trend. The MACD of -1.13 indicates Positive momentum. The RSI at 42.87 is Neutral, neither overbought nor oversold. The STOCH value of 15.56 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
66 Neutral | ₹140.96B | 15.37 | ― | ― | 15.87% | 70.88% | |
65 Neutral | ₹58.94B | 7.39 | ― | 0.78% | 9.85% | 20.48% | |
63 Neutral | ₹806.93B | 28.13 | ― | 0.10% | 14.96% | 30.22% | |
63 Neutral | ₹60.73B | 15.83 | ― | ― | 17.48% | -12.60% | |
57 Neutral | ₹55.00B | 8.21 | ― | ― | 21.88% | 10.95% | |
56 Neutral | ₹86.94B | 16.71 | ― | 1.63% | 9.24% | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:DCBBANK
DCB Bank Limited
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60.37
49.77%
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DCB Bank Limited Corporate Events
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.