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 6.7 21.4 31.1% View Chart
P/BV x 0.7 0.2 308.7% View Chart
Dividend Yield % 1.3 0.0 -  

Financials

 DCB BANK   BANK OF BARODA
EQUITY SHARE DATA
    DCB BANK
Mar-19
BANK OF BARODA
Mar-19
DCB BANK/
BANK OF BARODA
5-Yr Chart
Click to enlarge
High Rs209157 132.4%   
Low Rs14091 153.8%   
Income per share (Unadj.) Rs98.3199.0 49.4%  
Earnings per share (Unadj.) Rs10.54.1 254.1%  
Cash flow per share (Unadj.) Rs39.41.2 3,351.4%  
Dividends per share (Unadj.) Rs1.000-  
Avg Dividend yield %0.60-  
Book value per share (Unadj.) Rs100.6187.9 53.6%  
Shares outstanding (eoy) m309.552,659.18 11.6%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x1.80.6 284.0%   
Avg P/E ratio x16.630.0 55.2%  
Avg P/CF ratio x11.62.2 529.4%  
Avg Price/Bookvalue ratio x1.70.7 261.8%  
Dividend payout %9.50-   
Avg Mkt Cap Rs m53,862329,938 16.3%   
No. of employees `0006.155.8 11.0%   
Total wages & salary Rs m4,34054,341 8.0%   
Avg. income/employee Rs Th4,958.49,489.2 52.3%   
Avg. wages/employee Rs Th707.5974.7 72.6%   
Avg. net profit/employee Rs Th530.4197.3 268.8%   
INCOME DATA
Interest income Rs m30,415529,062 5.7%  
Other income Rs m3,50278,871 4.4%   
Interest expense Rs m18,922325,057 5.8%   
Net interest income Rs m11,493204,005 5.6%  
Operating expense Rs m8,529127,690 6.7%   
Gross profit Rs m2,96476,316 3.9%  
Gross profit margin %9.714.4 67.6%  
Provisions/contingencies Rs m1,401139,940 1.0%   
Profit before tax Rs m5,06514,714 34.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0662 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,8124,375 41.4%   
Profit after tax Rs m3,25411,001 29.6%  
Net profit margin %10.72.1 514.5%  
BALANCE SHEET DATA
Advances Rs m235,6804,842,148 4.9%   
Deposits Rs m284,3516,655,887 4.3%  
Credit/Deposit ratio x82.972.7 113.9%  
Yield on advances %10.47.4 141.2%   
Cost of deposits %6.04.3 140.0%   
Net Interest Margin %3.42.6 128.1%  
Net fixed assets Rs m5,26071,437 7.4%   
Share capital Rs m3,0965,304 58.4%   
Free reserves Rs m28,049494,238 5.7%   
Net worth Rs m31,144499,541 6.2%   
Borrowings Rs m27,232688,675 4.0%   
Investments Rs m78,4411,957,162 4.0%   
Total assets Rs m357,9188,196,719 4.4%  
Debt/equity ratio x10.014.7 68.0%   
Return on assets %0.90.1 677.3%  
Return on equity %10.42.2 474.4%  
Capital adequacy ratio %16.813.4 125.3%  
Net NPAs %0.73.3 19.5%  
CASH FLOW
From Operations Rs m-2,813-14,491 19.4%  
From Investments Rs m-764-25,374 3.0%  
From Financial Activity Rs m7,79244,485 17.5%  
Net Cashflow Rs m4,2144,621 91.2%  

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:   CITY UNION BANK  CORPORATION BANK  SBI  INDIAN OVERSEAS BANK  DHANLAXMI BANK  

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



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Jul 3, 2020 (Close)

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