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 10.0 -0.6 - View Chart
P/BV x 1.1 0.1 1,042.0% View Chart
Dividend Yield % 0.9 0.0 -  

Financials

 DCB BANK   PUNJAB & SIND BANK
EQUITY SHARE DATA
    DCB BANK
Mar-19
PUNJAB & SIND BANK
Mar-19
DCB BANK/
PUNJAB & SIND BANK
5-Yr Chart
Click to enlarge
High Rs20940 517.4%   
Low Rs14024 581.3%   
Income per share (Unadj.) Rs98.3151.5 64.9%  
Earnings per share (Unadj.) Rs10.5-9.6 -109.3%  
Cash flow per share (Unadj.) Rs39.4-30.4 -129.5%  
Dividends per share (Unadj.) Rs1.000-  
Avg Dividend yield %0.60-  
Book value per share (Unadj.) Rs100.697.9 102.7%  
Shares outstanding (eoy) m309.55564.91 54.8%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x1.80.2 834.5%   
Avg P/E ratio x16.6-3.3 -495.4%  
Avg P/CF ratio x11.60.9 1,291.9%  
Avg Price/Bookvalue ratio x1.70.3 526.7%  
Dividend payout %9.50-   
Avg Mkt Cap Rs m53,86218,162 296.6%   
No. of employees `0006.18.9 68.6%   
Total wages & salary Rs m4,34011,758 36.9%   
Avg. income/employee Rs Th4,958.49,564.9 51.8%   
Avg. wages/employee Rs Th707.51,314.0 53.8%   
Avg. net profit/employee Rs Th530.4-607.4 -87.3%   
INCOME DATA
Interest income Rs m30,41585,587 35.5%  
Other income Rs m3,5024,886 71.7%   
Interest expense Rs m18,92262,790 30.1%   
Net interest income Rs m11,49322,797 50.4%  
Operating expense Rs m8,52917,111 49.8%   
Gross profit Rs m2,9645,686 52.1%  
Gross profit margin %9.76.6 146.7%  
Provisions/contingencies Rs m1,40125,709 5.4%   
Profit before tax Rs m5,065-8,588 -59.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,812-3,153 -57.5%   
Profit after tax Rs m3,254-5,435 -59.9%  
Net profit margin %10.7-6.3 -168.5%  
BALANCE SHEET DATA
Advances Rs m235,680691,755 34.1%   
Deposits Rs m284,351985,576 28.9%  
Credit/Deposit ratio x82.970.2 118.1%  
Yield on advances %10.48.7 119.2%   
Cost of deposits %6.06.1 98.9%   
Net Interest Margin %3.42.2 150.3%  
Net fixed assets Rs m5,26012,304 42.7%   
Share capital Rs m3,0965,649 54.8%   
Free reserves Rs m28,04925,976 108.0%   
Net worth Rs m31,14455,318 56.3%   
Borrowings Rs m27,23227,140 100.3%   
Investments Rs m78,441261,729 30.0%   
Total assets Rs m357,9181,089,821 32.8%  
Debt/equity ratio x10.018.3 54.6%   
Return on assets %0.9-0.5 -182.3%  
Return on equity %10.4-9.8 -106.3%  
Capital adequacy ratio %16.810.9 153.8%  
Net NPAs %0.77.2 9.0%  
CASH FLOW
From Operations Rs m-2,813-973 289.0%  
From Investments Rs m-764-611 125.1%  
From Financial Activity Rs m7,792-3,561 -218.8%  
Net Cashflow Rs m4,214-5,145 -81.9%  

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:   BANDHAN BANK  KARNATAKA BANK  INDIAN OVERSEAS BANK  ORIENTAL BANK  BANK OF MAHARASHTRA  

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



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For the quarter ended September 2020, DCB BANK has posted a net profit of Rs 823 m (down 10.0% YoY). Sales on the other hand came in at Rs 9 bn (down 0.1% YoY). Read on for a complete analysis of DCB BANK's quarterly results.

DCB BANK Announces Quarterly Results (1QFY21); Net Profit Down 2.1% (Quarterly Result Update)

Aug 10, 2020 | Updated on Aug 10, 2020

For the quarter ended June 2020, DCB BANK has posted a net profit of Rs 794 m (down 2.1% YoY). Sales on the other hand came in at Rs 9 bn (up 1.8% YoY). Read on for a complete analysis of DCB BANK's quarterly results.

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Dec 4, 2020 (Close)

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