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Compare Development Credit Bank with Indian Bank - Equitymaster
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DCB BANK vs INDIAN 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

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Current Valuations

    DCB BANK INDIAN BANK DCB BANK/
INDIAN BANK
 
P/E (TTM) x 21.3 10.1 210.8% View Chart
P/BV x 2.1 1.0 206.3% View Chart
Dividend Yield % 0.3 1.3 23.1%  

Financials

 DCB BANK   INDIAN BANK
EQUITY SHARE DATA
    DCB BANK
Mar-17
INDIAN BANK
Mar-15
DCB BANK/
INDIAN BANK
5-Yr Chart
Click to enlarge
High Rs172224 76.9%   
Low Rs78113 69.1%   
Income per share (Unadj.) Rs72.8330.1 22.0%  
Earnings per share (Unadj.) Rs7.021.8 32.0%  
Cash flow per share (Unadj.) Rs28.958.4 49.4%  
Dividends per share (Unadj.) Rs0.504.20 11.9%  
Avg Dividend yield %0.42.5 16.0%  
Book value per share (Unadj.) Rs77.3312.9 24.7%  
Shares outstanding (eoy) m285.36480.29 59.4%   
Bonus/Rights/Conversions OIPI-  
Avg Price / Income ratio x1.70.5 337.0%   
Avg P/E ratio x17.97.7 231.8%  
Avg P/CF ratio x11.53.1 366.2%  
Avg Price/Bookvalue ratio x1.60.5 300.8%  
Dividend payout %7.119.2 37.1%   
Avg Mkt Cap Rs m35,71380,929 44.1%   
No. of employees `000NA20.3 0.0%   
Total wages & salary Rs m3,08017,463 17.6%   
Avg. income/employee Rs ThNM7,811.8-  
Avg. wages/employee Rs ThNM860.5-  
Avg. net profit/employee Rs ThN.A.516.8-  
INCOME DATA
Interest income Rs m20,762158,534 13.1%  
Other income Rs m2,49513,722 18.2%   
Interest expense Rs m12,791113,898 11.2%   
Net interest income Rs m7,97144,636 17.9%  
Operating expense Rs m6,28328,254 22.2%   
Gross profit Rs m1,68816,382 10.3%  
Gross profit margin %8.110.3 78.7%  
Provisions/contingencies Rs m1,11515,335 7.3%   
Profit before tax Rs m3,06715,105 20.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m018 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,0704,635 23.1%   
Profit after tax Rs m1,99710,488 19.0%  
Net profit margin %9.66.6 145.4%  
BALANCE SHEET DATA
Advances Rs m158,1761,258,702 12.6%   
Deposits Rs m192,8921,692,042 11.4%  
Credit/Deposit ratio x82.074.4 110.2%  
Yield on advances %10.49.6 108.6%   
Cost of deposits %6.16.6 92.2%   
Net Interest Margin %3.52.4 144.7%  
Net fixed assets Rs m4,88629,738 16.4%   
Share capital Rs m2,8544,803 59.4%   
Free reserves Rs m13,11679,581 16.5%   
Net worth Rs m22,049150,290 14.7%   
Borrowings Rs m12,75826,461 48.2%   
Investments Rs m58,179460,605 12.6%   
Total assets Rs m240,4641,930,357 12.5%  
Debt/equity ratio x9.311.4 81.6%   
Return on assets %0.80.5 152.8%  
Return on equity %9.17.0 129.8%  
Capital adequacy ratio %13.812.9 107.0%  
Net NPAs %0.82.5 31.6%  
CASH FLOW
From Operations Rs m2,39851,357 4.7%  
From Investments Rs m-711-2,364 30.1%  
From Financial Activity Rs m1,322-23,117 -5.7%  
Net Cashflow Rs m3,00925,876 11.6%  

Share Holding

Indian Promoters % 0.9 82.1 1.1%  
Foreign collaborators % 15.5 0.0 -  
Indian inst/Mut Fund % 23.2 8.5 272.9%  
FIIs % 15.0 5.6 267.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 45.5 3.8 1,197.4%  
Shareholders   184,073 66,052 278.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare DCB BANK With:   IDBI BANK  KOTAK MAH. BANK  BANK OF MAHARASHTRA  BANK OF BARODA  FEDERAL BANK  

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



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