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Compare Development Credit Bank with City Union Bank - Equitymaster

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DCB BANK vs CITY UNION BANK - 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

CITY UNION BANK 
   Change

Apart from a strong presence in Tamil Nadu, City Union Bank (CUB) has a network of 300 branches and 500 ATMs spanning most of west and southern India. The bank has a brilliant track-record of being profitable and paying dividend for the past 100 year... More

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Current Valuations

    DCB BANK CITY UNION BANK DCB BANK/
CITY UNION BANK
 
P/E (TTM) x 16.2 17.4 93.1% View Chart
P/BV x 1.8 2.9 61.4% View Chart
Dividend Yield % 0.5 0.2 342.5%  

Financials

 DCB BANK   CITY UNION BANK
EQUITY SHARE DATA
    DCB BANK
Mar-19
CITY UNION BANK
Mar-18
DCB BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs209209 99.9%   
Low Rs140145 96.2%   
Income per share (Unadj.) Rs98.351.2 192.0%  
Earnings per share (Unadj.) Rs10.58.9 118.0%  
Cash flow per share (Unadj.) Rs39.417.0 232.4%  
Dividends per share (Unadj.) Rs1.000.30 333.3%  
Avg Dividend yield %0.60.2 338.9%  
Book value per share (Unadj.) Rs100.662.6 160.6%  
Shares outstanding (eoy) m309.55664.73 46.6%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x1.83.5 51.2%   
Avg P/E ratio x16.619.9 83.3%  
Avg P/CF ratio x11.611.6 99.4%  
Avg Price/Bookvalue ratio x1.72.8 61.2%  
Dividend payout %9.53.4 282.4%   
Avg Mkt Cap Rs m53,862117,591 45.8%   
No. of employees `0006.15.3 115.3%   
Total wages & salary Rs m4,3403,159 137.4%   
Avg. income/employee Rs Th4,958.46,396.7 77.5%   
Avg. wages/employee Rs Th707.5593.9 119.1%   
Avg. net profit/employee Rs Th530.41,113.0 47.7%   
INCOME DATA
Interest income Rs m30,41534,024 89.4%  
Other income Rs m3,5025,321 65.8%   
Interest expense Rs m18,92219,721 95.9%   
Net interest income Rs m11,49314,303 80.4%  
Operating expense Rs m8,5297,547 113.0%   
Gross profit Rs m2,9646,757 43.9%  
Gross profit margin %9.719.9 49.1%  
Provisions/contingencies Rs m1,4014,178 33.5%   
Profit before tax Rs m5,0657,900 64.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,8121,980 91.5%   
Profit after tax Rs m3,2545,920 55.0%  
Net profit margin %10.717.4 61.5%  
BALANCE SHEET DATA
Advances Rs m235,680278,528 84.6%   
Deposits Rs m284,351328,526 86.6%  
Credit/Deposit ratio x82.984.8 97.8%  
Yield on advances %10.410.2 101.8%   
Cost of deposits %6.05.9 102.5%   
Net Interest Margin %3.43.7 90.1%  
Net fixed assets Rs m5,2602,231 235.7%   
Share capital Rs m3,096665 465.7%   
Free reserves Rs m28,04940,968 68.5%   
Net worth Rs m31,14441,632 74.8%   
Borrowings Rs m27,23217,359 156.9%   
Investments Rs m78,44178,791 99.6%   
Total assets Rs m357,918399,373 89.6%  
Debt/equity ratio x10.08.3 120.4%   
Return on assets %0.91.5 61.3%  
Return on equity %10.414.2 73.5%  
Capital adequacy ratio %16.816.2 103.6%  
Net NPAs %0.71.7 38.2%  
CASH FLOW
From Operations Rs m-2,813-1,831 153.7%  
From Investments Rs m-764-605 126.3%  
From Financial Activity Rs m7,79211 71,481.7%  
Net Cashflow Rs m4,214-2,425 -173.7%  

Share Holding

Indian Promoters % 0.9 0.0 -  
Foreign collaborators % 15.5 0.0 -  
Indian inst/Mut Fund % 23.2 10.2 227.5%  
FIIs % 15.0 33.4 44.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 45.5 56.0 81.3%  
Shareholders   184,073 82,699 222.6%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare DCB BANK With:   SBI  ORIENTAL BANK  PUNJAB & SIND BANK  DENA BANK  KOTAK MAHINDRA BANK  

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



Today's Market

Sensex Opens Flat; Energy and Automobiles Stocks Drag(09:30 am)

Asian share markets are higher today as Japanese and Hong Kong shares show gains. The Nikkei 225 is up 0.9% while the Hang Seng is up 0.2%.

Related Views on News

DCB BANK Announces Quarterly Results (1QFY20); Net Profit Up 16.6% (Quarterly Result Update)

Jul 17, 2019 | Updated on Jul 17, 2019

For the quarter ended June 2019, DCB BANK has posted a net profit of Rs 811 m (up 16.6% YoY). Sales on the other hand came in at Rs 9 bn (up 22.3% YoY). Read on for a complete analysis of DCB BANK's quarterly results.

CITY UNION BANK Announces Quarterly Results (4QFY19); Net Profit Up 15.1% (Quarterly Result Update)

May 21, 2019 | Updated on May 21, 2019

For the quarter ended March 2019, CITY UNION BANK has posted a net profit of Rs 2 bn (up 15.1% YoY). Sales on the other hand came in at Rs 10 bn (up 13.1% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

DCB BANK Announces Quarterly Results (4QFY19); Net Profit Up 50.0% (Quarterly Result Update)

Apr 22, 2019 | Updated on Apr 22, 2019

For the quarter ended March 2019, DCB BANK has posted a net profit of Rs 963 m (up 50.0% YoY). Sales on the other hand came in at Rs 8 bn (up 27.4% YoY). Read on for a complete analysis of DCB BANK's quarterly results.

DCB BANK Announces Quarterly Results (3QFY19); Net Profit Up 51.0% (Quarterly Result Update)

Jan 17, 2019 | Updated on Jan 17, 2019

For the quarter ended December 2018, DCB BANK has posted a net profit of Rs 861 m (up 51.0% YoY). Sales on the other hand came in at Rs 8 bn (up 27.3% YoY). Read on for a complete analysis of DCB BANK's quarterly results.

CITY UNION BANK Announces Quarterly Results (2QFY19); Net Profit Up 16.0% (Quarterly Result Update)

Nov 5, 2018 | Updated on Nov 5, 2018

For the quarter ended September 2018, CITY UNION BANK has posted a net profit of Rs 2 bn (up 16.0% YoY). Sales on the other hand came in at Rs 9 bn (up 10.2% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

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Jul 23, 2019 10:05 AM

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