ScoreWhy is DCB Bank Ltd. ?
1
Strong Provisioning Practices with a Provision Coverage Ratio of 61.84%
2
Positive results in Dec 24
- PAT(HY) At Rs 306.91 cr has Grown at 21.13 %
- INTEREST EARNED(Q) Highest at Rs 1,671.05 cr
- GROSS NPA(Q) Lowest at 3.11 %
3
Stock is technically in a Mildly Bearish range
- The stocks Bollinger Band and KST technical factors are also Bearish
4
With ROA of 0.9, it has a Attractive valuation with a 0.7 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -5.62%, its profits have risen by 13.7% ; the PEG ratio of the company is 0.5
5
High Institutional Holdings at 38.75%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.04% over the previous quarter.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to DCB Bank should be less than 10%
- Overall Portfolio exposure to Bank - Private should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Bank - Private)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is DCB Bank for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
DCB Bank
-5.54%
-0.19
29.27%
SENSEX
0.45%
0.03
14.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
10.92%
Net Profit Growth (5y)
10.20%
Advance to Deposit
84.40%
Capital Adequacy Ratio (Tier 1)
14.21%
Gross NPA (latest)
3.11%
Gross NPA (avg)
3.38%
Coverage Ratio (avg)
61.84%
Cost to Income (avg)
58.71%
Net Interest Margin (avg)
3.62%
Operating Profit to Assets (avg)
4.45%
ROA (avg)
0.83%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Price to Book Value
0.68
PEG Ratio
0.47
Dividend Yield
1.04%
ROE (Latest)
11.11%
ROA (Latest)
0.90%
Net NPA to Book Value
10.52
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
PAT(HY)
At Rs 306.91 cr has Grown at 21.13 %
INTEREST EARNED(Q)
Highest at Rs 1,671.05 cr
GROSS NPA(Q)
Lowest at 3.11 %
NII(Q)
Highest at Rs 542.87 cr
-5What is not working for the Company
PBT LESS OI(Q)
At Rs 19.88 cr has Fallen at -50.0 %
NON-OPERATING INCOME(Q)
is 90.25 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for DCB Bank
Interest Earned - Quarterly
Highest at Rs 1,671.05 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Gross NPA - Quarterly
Lowest at 3.11 %
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 542.87 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Profit After Tax (PAT) - Half Yearly
At Rs 306.91 cr has Grown at 21.13 %
Year on Year (YoY)MOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Here's what is not working for DCB Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 19.88 cr has Fallen at -50.0 %
over average PBT of the previous four quarters of Rs 39.78 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Non Operating Income - Quarterly
is 90.25 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
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