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Compare Development Credit Bank with Bank of Baroda - Equitymaster

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DCB BANK vs BANK OF BARODA - Comparison Results

DCB BANK    Change

Development Credit Bank (DCB) is a small new generation private sector bank serving around 6 lakh customers with a network of more than 80 branches and 130 ATMs. Its branches are concentrated in western India with 65% branches located in Maharashtra,... More

BANK OF BARODA 
   Change

Bank of Baroda (BoB) is among the top banks in the country with a 6.8% share of the total non-food disbursals at the end of FY12. After a brand and operating overhaul, the bank has seen accelerated growth, enabling it to position itself favourably am... More

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Current Valuations

    DCB BANK BANK OF BARODA DCB BANK/
BANK OF BARODA
 
P/E (TTM) x 16.7 -12.7 - View Chart
P/BV x 1.6 0.6 284.2% View Chart
Dividend Yield % 0.5 0.0 -  

Financials

 DCB BANK   BANK OF BARODA
EQUITY SHARE DATA
    DCB BANK
Mar-18
BANK OF BARODA
Mar-18
DCB BANK/
BANK OF BARODA
5-Yr Chart
Click to enlarge
High Rs213207 103.1%   
Low Rs155128 120.8%   
Income per share (Unadj.) Rs78.3198.7 39.4%  
Earnings per share (Unadj.) Rs8.0-8.1 -97.8%  
Cash flow per share (Unadj.) Rs33.4-28.5 -116.9%  
Dividends per share (Unadj.) Rs0.750-  
Avg Dividend yield %0.40-  
Book value per share (Unadj.) Rs91.1202.1 45.1%  
Shares outstanding (eoy) m308.082,317.83 13.3%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x2.30.8 278.8%   
Avg P/E ratio x23.1-20.6 -112.3%  
Avg P/CF ratio x14.82.8 531.3%  
Avg Price/Bookvalue ratio x2.00.8 243.8%  
Dividend payout %9.40-   
Avg Mkt Cap Rs m56,671388,005 14.6%   
No. of employees `0005.855.7 10.4%   
Total wages & salary Rs m3,81249,016 7.8%   
Avg. income/employee Rs Th4,167.58,274.3 50.4%   
Avg. wages/employee Rs Th658.4880.6 74.8%   
Avg. net profit/employee Rs Th423.7-339.0 -125.0%   
INCOME DATA
Interest income Rs m24,130460,564 5.2%  
Other income Rs m3,10379,922 3.9%   
Interest expense Rs m14,176291,605 4.9%   
Net interest income Rs m9,954168,959 5.9%  
Operating expense Rs m7,807113,266 6.9%   
Gross profit Rs m2,14755,693 3.9%  
Gross profit margin %8.912.1 73.6%  
Provisions/contingencies Rs m1,388158,609 0.9%   
Profit before tax Rs m3,862-20,294 -19.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-513 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,408-1,936 -72.7%   
Profit after tax Rs m2,453-18,871 -13.0%  
Net profit margin %10.2-4.1 -248.1%  
BALANCE SHEET DATA
Advances Rs m203,3674,379,413 4.6%   
Deposits Rs m240,0696,074,514 4.0%  
Credit/Deposit ratio x84.772.1 117.5%  
Yield on advances %9.56.9 138.8%   
Cost of deposits %5.44.4 121.3%   
Net Interest Margin %3.42.4 141.4%  
Net fixed assets Rs m4,94055,323 8.9%   
Share capital Rs m3,0815,304 58.1%   
Free reserves Rs m24,983317,378 7.9%   
Net worth Rs m28,064468,388 6.0%   
Borrowings Rs m19,267648,598 3.0%   
Investments Rs m62,1901,586,777 3.9%   
Total assets Rs m302,2217,478,049 4.0%  
Debt/equity ratio x9.214.4 64.4%   
Return on assets %0.8-0.3 -321.7%  
Return on equity %8.7-4.0 -217.0%  
Capital adequacy ratio %16.512.1 135.8%  
Net NPAs %0.75.5 13.1%  
CASH FLOW
From Operations Rs m2,301-596,917 -0.4%  
From Investments Rs m-592-4,136 14.3%  
From Financial Activity Rs m10,08734,131 29.6%  
Net Cashflow Rs m11,795-566,923 -2.1%  

Share Holding

Indian Promoters % 0.9 56.3 1.6%  
Foreign collaborators % 15.5 0.0 -  
Indian inst/Mut Fund % 23.2 16.6 139.9%  
FIIs % 15.0 15.6 96.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 45.5 11.5 394.3%  
Shareholders   184,073 180,376 102.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare DCB BANK With:   ALLAHABAD BANK  ANDHRA BANK  INDUSIND BANK  KARNATAKA BANK  VIJAYA BANK  

Compare DCB BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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Nov 14, 2018 (Close)

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