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Compare Development Credit Bank with J&K Bank - Equitymaster
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DCB BANK vs J&K 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

J&K BANK 
   Change

Jammu and Kashmir Bank Ltd (J&K) is the first state owned bank of the country and 53% of equity is held by the government of J&K. The bank has a network of 475 branches spread over the country. During the year, the bank recorded an over 23% growth in... More

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Current Valuations

    DCB BANK J&K BANK DCB BANK/
J&K BANK
 
P/E (TTM) x 21.2 4.2 507.5% View Chart
P/BV x 2.1 0.5 391.8% View Chart
Dividend Yield % 0.3 3.1 9.8%  

Financials

 DCB BANK   J&K BANK
EQUITY SHARE DATA
    DCB BANK
Mar-17
J&K BANK
Mar-15
DCB BANK/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs172119 144.8%   
Low Rs7895 82.2%   
Income per share (Unadj.) Rs72.81,456.5 5.0%  
Earnings per share (Unadj.) Rs7.0104.9 6.7%  
Cash flow per share (Unadj.) Rs28.9251.8 11.5%  
Dividends per share (Unadj.) Rs0.502.10 23.8%  
Avg Dividend yield %0.42.0 20.3%  
Book value per share (Unadj.) Rs77.31,260.0 6.1%  
Shares outstanding (eoy) m285.3648.48 588.6%   
Bonus/Rights/Conversions OI--  
Avg Price / Income ratio x1.70.1 2,342.6%   
Avg P/E ratio x17.91.0 1,754.0%  
Avg P/CF ratio x11.50.3 3,373.3%  
Avg Price/Bookvalue ratio x1.60.1 1,908.2%  
Dividend payout %7.12.0 356.9%   
Avg Mkt Cap Rs m35,7135,185 688.8%   
No. of employees `000NA1.0 0.0%   
Total wages & salary Rs m3,0808,976 34.3%   
Avg. income/employee Rs ThNM73,553.4-  
Avg. wages/employee Rs ThNM9,349.6-  
Avg. net profit/employee Rs ThN.A.5,296.7-  
INCOME DATA
Interest income Rs m20,76270,611 29.4%  
Other income Rs m2,4955,990 41.6%   
Interest expense Rs m12,79144,086 29.0%   
Net interest income Rs m7,97126,526 30.0%  
Operating expense Rs m6,28314,159 44.4%   
Gross profit Rs m1,68812,366 13.6%  
Gross profit margin %8.117.5 46.4%  
Provisions/contingencies Rs m1,11510,155 11.0%   
Profit before tax Rs m3,0678,202 37.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,0703,117 34.3%   
Profit after tax Rs m1,9975,085 39.3%  
Net profit margin %9.67.2 133.6%  
BALANCE SHEET DATA
Advances Rs m158,176445,858 35.5%   
Deposits Rs m192,892657,362 29.3%  
Credit/Deposit ratio x82.067.8 120.9%  
Yield on advances %10.411.6 90.0%   
Cost of deposits %6.16.4 95.5%   
Net Interest Margin %3.53.6 96.7%  
Net fixed assets Rs m4,8866,896 70.9%   
Share capital Rs m2,854485 588.5%   
Free reserves Rs m13,11639,499 33.2%   
Net worth Rs m22,04961,085 36.1%   
Borrowings Rs m12,75823,396 54.5%   
Investments Rs m58,179251,043 23.2%   
Total assets Rs m240,464760,645 31.6%  
Debt/equity ratio x9.311.1 83.7%   
Return on assets %0.80.7 124.2%  
Return on equity %9.18.3 108.8%  
Capital adequacy ratio %13.812.6 109.5%  
Net NPAs %0.82.8 28.5%  
CASH FLOW
From Operations Rs m2,3981,181 203.1%  
From Investments Rs m-711-2,609 27.2%  
From Financial Activity Rs m1,322-3,376 -39.2%  
Net Cashflow Rs m3,009-4,805 -62.6%  

Share Holding

Indian Promoters % 0.9 53.2 1.7%  
Foreign collaborators % 15.5 0.0 -  
Indian inst/Mut Fund % 23.2 4.3 539.5%  
FIIs % 15.0 29.3 51.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 45.5 13.3 342.1%  
Shareholders   184,073 56,111 328.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare DCB BANK With:   HDFC BANK  FEDERAL BANK  KARNATAKA BANK  BANK OF INDIA  KOTAK MAH. BANK  

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



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Feb 20, 2018 (Close)

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