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 6.7 -0.6 - View Chart
P/BV x 0.7 0.1 628.2% View Chart
Dividend Yield % 1.3 0.0 -  

Financials

 DCB BANK   J&K BANK
EQUITY SHARE DATA
    DCB BANK
Mar-19
J&K BANK
Mar-18
DCB BANK/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs20996 217.9%   
Low Rs14055 256.0%   
Income per share (Unadj.) Rs98.31,189.2 8.3%  
Earnings per share (Unadj.) Rs10.536.4 28.9%  
Cash flow per share (Unadj.) Rs39.4167.4 23.5%  
Dividends per share (Unadj.) Rs1.000-  
Avg Dividend yield %0.60-  
Book value per share (Unadj.) Rs100.61,105.9 9.1%  
Shares outstanding (eoy) m309.5555.68 555.9%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x1.80.1 2,804.2%   
Avg P/E ratio x16.62.1 802.4%  
Avg P/CF ratio x11.60.3 3,824.3%  
Avg Price/Bookvalue ratio x1.70.1 2,546.7%  
Dividend payout %9.50-   
Avg Mkt Cap Rs m53,8624,182 1,288.1%   
No. of employees `0006.11.0 600.8%   
Total wages & salary Rs m4,34012,869 33.7%   
Avg. income/employee Rs Th4,958.464,852.1 7.6%   
Avg. wages/employee Rs Th707.512,604.2 5.6%   
Avg. net profit/employee Rs Th530.41,985.2 26.7%   
INCOME DATA
Interest income Rs m30,41566,214 45.9%  
Other income Rs m3,5025,008 69.9%   
Interest expense Rs m18,92237,502 50.5%   
Net interest income Rs m11,49328,712 40.0%  
Operating expense Rs m8,52919,902 42.9%   
Gross profit Rs m2,9648,810 33.6%  
Gross profit margin %9.713.3 73.3%  
Provisions/contingencies Rs m1,40111,792 11.9%   
Profit before tax Rs m5,0651,209 418.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,812-818 -221.6%   
Profit after tax Rs m3,2542,027 160.5%  
Net profit margin %10.73.1 349.5%  
BALANCE SHEET DATA
Advances Rs m235,680569,127 41.4%   
Deposits Rs m284,351800,045 35.5%  
Credit/Deposit ratio x82.971.1 116.5%  
Yield on advances %10.48.7 118.8%   
Cost of deposits %6.04.5 133.2%   
Net Interest Margin %3.43.4 98.3%  
Net fixed assets Rs m5,26016,149 32.6%   
Share capital Rs m3,096557 555.7%   
Free reserves Rs m28,04932,336 86.7%   
Net worth Rs m31,14461,576 50.6%   
Borrowings Rs m27,23216,283 167.2%   
Investments Rs m78,441188,600 41.6%   
Total assets Rs m357,918896,844 39.9%  
Debt/equity ratio x10.013.3 75.5%   
Return on assets %0.90.2 402.2%  
Return on equity %10.43.3 317.4%  
Capital adequacy ratio %16.811.4 147.2%  
Net NPAs %0.74.9 13.3%  
CASH FLOW
From Operations Rs m-2,81323,627 -11.9%  
From Investments Rs m-764-1,639 46.6%  
From Financial Activity Rs m7,7926,684 116.6%  
Net Cashflow Rs m4,21428,672 14.7%  

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:   DENA BANK  IDBI BANK  BANDHAN BANK  CORPORATION BANK  SBI  

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



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Oct 20, 2020 (Close)

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