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Compare Development Credit Bank with United Bank of India - Equitymaster
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DCB BANK vs UNITED BANK OF INDIA - 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 UNITED BANK OF INDIA DCB BANK/
UNITED BANK OF INDIA
 
P/E (TTM) x 21.6 -0.6 - View Chart
P/BV x 2.1 0.2 1,239.3% View Chart
Dividend Yield % 0.3 0.0 -  

Financials

 DCB BANK   UNITED BANK OF INDIA
EQUITY SHARE DATA
    DCB BANK
Mar-17
UNITED BANK OF INDIA
Mar-16
DCB BANK/
UNITED BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs17232 543.2%   
Low Rs7817 464.9%   
Income per share (Unadj.) Rs72.8118.4 61.5%  
Earnings per share (Unadj.) Rs7.0-3.4 -208.3%  
Cash flow per share (Unadj.) Rs28.9-15.5 -186.7%  
Dividends per share (Unadj.) Rs0.500-  
Avg Dividend yield %0.40-  
Book value per share (Unadj.) Rs77.369.6 111.1%  
Shares outstanding (eoy) m285.36839.51 34.0%   
Bonus/Rights/Conversions OI--  
Avg Price / Income ratio x1.70.2 839.6%   
Avg P/E ratio x17.9-7.2 -247.7%  
Avg P/CF ratio x11.50.9 1,263.3%  
Avg Price/Bookvalue ratio x1.60.3 464.6%  
Dividend payout %7.10-   
Avg Mkt Cap Rs m35,71320,358 175.4%   
No. of employees `000NA15.0 0.0%   
Total wages & salary Rs m3,08010,974 28.1%   
Avg. income/employee Rs ThNM6,632.8-  
Avg. wages/employee Rs ThNM732.5-  
Avg. net profit/employee Rs ThN.A.-188.2-  
INCOME DATA
Interest income Rs m20,76299,367 20.9%  
Other income Rs m2,49514,675 17.0%   
Interest expense Rs m12,79176,561 16.7%   
Net interest income Rs m7,97122,806 35.0%  
Operating expense Rs m6,28319,363 32.5%   
Gross profit Rs m1,6883,443 49.0%  
Gross profit margin %8.13.5 234.6%  
Provisions/contingencies Rs m1,11525,228 4.4%   
Profit before tax Rs m3,067-7,110 -43.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,070-4,290 -25.0%   
Profit after tax Rs m1,997-2,820 -70.8%  
Net profit margin %9.6-2.8 -338.9%  
BALANCE SHEET DATA
Advances Rs m158,176680,602 23.2%   
Deposits Rs m192,8921,164,013 16.6%  
Credit/Deposit ratio x82.058.5 140.2%  
Yield on advances %10.49.7 107.0%   
Cost of deposits %6.16.2 99.0%   
Net Interest Margin %3.51.9 185.4%  
Net fixed assets Rs m4,88612,109 40.3%   
Share capital Rs m2,8548,395 34.0%   
Free reserves Rs m13,11617,690 74.1%   
Net worth Rs m22,04958,392 37.8%   
Borrowings Rs m12,75829,125 43.8%   
Investments Rs m58,179447,234 13.0%   
Total assets Rs m240,4641,294,318 18.6%  
Debt/equity ratio x9.320.4 45.6%   
Return on assets %0.8-0.2 -381.2%  
Return on equity %9.1-4.8 -187.5%  
Capital adequacy ratio %13.810.5 131.5%  
Net NPAs %0.89.0 8.7%  
CASH FLOW
From Operations Rs m2,39824,276 9.9%  
From Investments Rs m-711-896 79.3%  
From Financial Activity Rs m1,322-429 -308.5%  
Net Cashflow Rs m3,00922,951 13.1%  

Share Holding

Indian Promoters % 0.9 88.0 1.0%  
Foreign collaborators % 15.5 0.0 -  
Indian inst/Mut Fund % 23.2 5.2 446.2%  
FIIs % 15.0 0.3 5,000.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 45.5 6.5 700.0%  
Shareholders   184,073 78,272 235.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare DCB BANK With:   ICICI BANK  DENA BANK  ORIENTAL BANK  J&K BANK  BANK OF BARODA  

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



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