Compare Development Credit Bank with PNB - Equitymaster

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DCB BANK vs PNB - 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

PNB 
   Change

Punjab National Bank (PNB) is the third largest banking entity in the country with 7% share of the total non-food credit disbursals at the end of FY12. Robust growth and stellar margins has pegged the bank amongst the frontrunners in the PSU banking ... More

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Current Valuations

    DCB BANK PNB DCB BANK/
PNB
 
P/E (TTM) x 6.8 17.8 38.2% View Chart
P/BV x 0.7 0.1 557.9% View Chart
Dividend Yield % 1.2 0.0 -  

Financials

 DCB BANK   PNB
EQUITY SHARE DATA
    DCB BANK
Mar-19
PNB
Mar-19
DCB BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs209105 198.2%   
Low Rs14060 233.3%   
Income per share (Unadj.) Rs98.3113.3 86.7%  
Earnings per share (Unadj.) Rs10.5-21.8 -48.3%  
Cash flow per share (Unadj.) Rs39.4-53.9 -73.1%  
Dividends per share (Unadj.) Rs1.000-  
Avg Dividend yield %0.60-  
Book value per share (Unadj.) Rs100.698.9 101.8%  
Shares outstanding (eoy) m309.554,604.05 6.7%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x1.80.7 243.1%   
Avg P/E ratio x16.6-3.8 -437.0%  
Avg P/CF ratio x11.63.4 338.5%  
Avg Price/Bookvalue ratio x1.70.8 207.2%  
Dividend payout %9.50-   
Avg Mkt Cap Rs m53,862379,834 14.2%   
No. of employees `0006.170.8 8.7%   
Total wages & salary Rs m4,34070,475 6.2%   
Avg. income/employee Rs Th4,958.47,364.4 67.3%   
Avg. wages/employee Rs Th707.5995.3 71.1%   
Avg. net profit/employee Rs Th530.4-1,416.0 -37.5%   
INCOME DATA
Interest income Rs m30,415521,471 5.8%  
Other income Rs m3,50273,674 4.8%   
Interest expense Rs m18,922346,557 5.5%   
Net interest income Rs m11,493174,915 6.6%  
Operating expense Rs m8,529116,893 7.3%   
Gross profit Rs m2,96458,022 5.1%  
Gross profit margin %9.711.1 87.6%  
Provisions/contingencies Rs m1,401211,381 0.7%   
Profit before tax Rs m5,065-149,085 -3.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-4,563 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,812-53,384 -3.4%   
Profit after tax Rs m3,254-100,264 -3.2%  
Net profit margin %10.7-19.2 -55.6%  
BALANCE SHEET DATA
Advances Rs m235,6804,624,162 5.1%   
Deposits Rs m284,3516,818,742 4.2%  
Credit/Deposit ratio x82.967.8 122.2%  
Yield on advances %10.47.7 135.6%   
Cost of deposits %6.04.7 126.8%   
Net Interest Margin %3.42.3 144.0%  
Net fixed assets Rs m5,26062,476 8.4%   
Share capital Rs m3,0969,208 33.6%   
Free reserves Rs m28,049445,973 6.3%   
Net worth Rs m31,144455,181 6.8%   
Borrowings Rs m27,232468,280 5.8%   
Investments Rs m78,4412,097,230 3.7%   
Total assets Rs m357,9187,892,658 4.5%  
Debt/equity ratio x10.016.0 62.5%   
Return on assets %0.9-1.3 -71.6%  
Return on equity %10.4-22.0 -47.4%  
Capital adequacy ratio %16.89.7 172.8%  
Net NPAs %0.76.6 9.9%  
CASH FLOW
From Operations Rs m-2,813-341,580 0.8%  
From Investments Rs m-7642,248 -34.0%  
From Financial Activity Rs m7,792137,410 5.7%  
Net Cashflow Rs m4,214-201,922 -2.1%  

Share Holding

Indian Promoters % 0.9 58.9 1.5%  
Foreign collaborators % 15.5 0.0 -  
Indian inst/Mut Fund % 23.2 18.7 124.1%  
FIIs % 15.0 17.2 87.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 45.5 5.3 858.5%  
Shareholders   184,073 215,441 85.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare DCB BANK With:   ORIENTAL BANK  BANDHAN BANK LTD  ALLAHABAD BANK  SBI  IDFC FIRST BANK  

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



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Aug 14, 2020 (Close)

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