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Compare Development Credit Bank with Punjab & Sind Bank - Equitymaster
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DCB BANK vs PUNJAB & SIND 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 PUNJAB & SIND BANK DCB BANK/
PUNJAB & SIND BANK
 
P/E (TTM) x 23.8 5.9 401.1% View Chart
P/BV x 2.3 0.4 660.1% View Chart
Dividend Yield % 0.3 1.2 22.5%  

Financials

 DCB BANK   PUNJAB & SIND BANK
EQUITY SHARE DATA
    DCB BANK
Mar-17
PUNJAB & SIND BANK
Mar-15
DCB BANK/
PUNJAB & SIND BANK
5-Yr Chart
Click to enlarge
High Rs17284 205.2%   
Low Rs7844 178.3%   
Income per share (Unadj.) Rs72.8214.5 33.9%  
Earnings per share (Unadj.) Rs7.03.0 230.9%  
Cash flow per share (Unadj.) Rs28.921.3 135.4%  
Dividends per share (Unadj.) Rs0.500.60 83.3%  
Avg Dividend yield %0.40.9 42.5%  
Book value per share (Unadj.) Rs77.3139.8 55.3%  
Shares outstanding (eoy) m285.36400.41 71.3%   
Bonus/Rights/Conversions OIPA-  
Avg Price / Income ratio x1.70.3 577.9%   
Avg P/E ratio x17.921.1 84.9%  
Avg P/CF ratio x11.53.4 336.1%  
Avg Price/Bookvalue ratio x1.60.5 354.5%  
Dividend payout %7.119.8 36.1%   
Avg Mkt Cap Rs m35,71325,566 139.7%   
No. of employees `000NA9.2 0.0%   
Total wages & salary Rs m3,0808,743 35.2%   
Avg. income/employee Rs ThNM9,355.7-  
Avg. wages/employee Rs ThNM952.4-  
Avg. net profit/employee Rs ThN.A.132.2-  
INCOME DATA
Interest income Rs m20,76285,886 24.2%  
Other income Rs m2,4954,288 58.2%   
Interest expense Rs m12,79169,094 18.5%   
Net interest income Rs m7,97116,792 47.5%  
Operating expense Rs m6,28313,325 47.2%   
Gross profit Rs m1,6883,467 48.7%  
Gross profit margin %8.14.0 201.4%  
Provisions/contingencies Rs m1,1156,273 17.8%   
Profit before tax Rs m3,0671,481 207.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,070268 399.9%   
Profit after tax Rs m1,9971,214 164.5%  
Net profit margin %9.61.4 680.7%  
BALANCE SHEET DATA
Advances Rs m158,176638,702 24.8%   
Deposits Rs m192,892867,147 22.2%  
Credit/Deposit ratio x82.073.7 111.3%  
Yield on advances %10.410.0 104.4%   
Cost of deposits %6.17.7 79.1%   
Net Interest Margin %3.51.8 197.2%  
Net fixed assets Rs m4,8869,948 49.1%   
Share capital Rs m2,8544,004 71.3%   
Free reserves Rs m13,11631,061 42.2%   
Net worth Rs m22,04955,962 39.4%   
Borrowings Rs m12,75830,482 41.9%   
Investments Rs m58,179267,517 21.7%   
Total assets Rs m240,464977,534 24.6%  
Debt/equity ratio x9.316.0 58.1%   
Return on assets %0.80.1 668.9%  
Return on equity %9.12.2 417.6%  
Capital adequacy ratio %13.811.2 122.4%  
Net NPAs %0.83.6 22.3%  
CASH FLOW
From Operations Rs m2,398-19,816 -12.1%  
From Investments Rs m-711-845 84.2%  
From Financial Activity Rs m1,322-392 -337.1%  
Net Cashflow Rs m3,009-21,053 -14.3%  

Share Holding

Indian Promoters % 0.9 79.6 1.1%  
Foreign collaborators % 15.5 0.0 -  
Indian inst/Mut Fund % 23.2 10.8 214.8%  
FIIs % 15.0 1.8 833.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 45.5 7.8 583.3%  
Shareholders   184,073 150,895 122.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare DCB BANK With:   ALLAHABAD BANK  ANDHRA BANK  J&K BANK  KARNATAKA BANK  VIJAYA BANK  

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



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Aug 17, 2017 (Close)

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