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PNB vs DCB BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    PNB DCB BANK PNB/
DCB BANK
 
P/E (TTM) x 19.6 7.1 275.6% View Chart
P/BV x 1.3 0.8 163.0% View Chart
Dividend Yield % 0.5 1.0 49.8%  

Financials

 PNB   DCB BANK
EQUITY SHARE DATA
    PNB
Mar-23
DCB BANK
Mar-23
PNB/
DCB BANK
5-Yr Chart
Click to enlarge
High Rs62141 43.9%   
Low Rs2869 40.6%   
Income per share (Unadj.) Rs78.9134.8 58.5%  
Earnings per share (Unadj.) Rs3.014.9 20.3%  
Cash flow per share (Unadj.) Rs8.752.8 16.5%  
Dividends per share (Unadj.) Rs0.651.25 52.0%  
Avg Dividend yield %1.41.2 121.4%  
Book value per share (Unadj.) Rs93.4146.5 63.8%  
Shares outstanding (eoy) m11,011.02311.50 3,534.8%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.60.8 73.2%   
Avg P/E ratio x14.87.0 210.5%  
Avg P/CF ratio x2.14.2 51.3%  
Avg Price/Bookvalue ratio x0.50.7 67.2%  
Dividend payout %21.48.4 255.6%   
Avg Mkt Cap Rs m496,04632,762 1,514.1%   
No. of employees `000NANA-   
Total wages & salary Rs m149,4266,929 2,156.5%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m868,45342,003 2,067.6%  
Other income Rs m122,3964,094 2,989.7%   
Interest expense Rs m518,17024,833 2,086.6%   
Net interest income Rs m350,28317,170 2,040.1%  
Operating expense Rs m243,35713,397 1,816.6%   
Gross profit Rs m106,9263,773 2,833.7%  
Gross profit margin %12.39.0 137.0%  
Provisions/contingencies Rs m198,6293,212 6,184.4%   
Profit before tax Rs m48,6146,276 774.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-1030-   
Prior Period Items Rs m2,8940-   
Tax Rs m17,9211,620 1,106.2%   
Profit after tax Rs m33,4854,656 719.2%  
Net profit margin %3.911.1 34.8%  
BALANCE SHEET DATA
Advances Rs m8,374,590343,807 2,435.8%   
Deposits Rs m12,903,471412,389 3,129.0%  
Credit/Deposit ratio x64.983.4 77.8%  
Yield on advances %6.99.9 69.8%   
Cost of deposits %3.65.4 67.5%   
Net Interest Margin %2.83.7 76.4%  
Net fixed assets Rs m120,8407,827 1,543.9%   
Share capital Rs m22,0223,115 707.0%   
Free reserves Rs m1,006,78342,515 2,368.0%   
Net worth Rs m1,028,80545,630 2,254.7%   
Borrowings Rs m701,48641,181 1,703.4%   
Investments Rs m4,169,138125,825 3,313.5%   
Total assets Rs m14,936,490523,659 2,852.3%  
Debt/equity ratio x13.29.9 133.0%   
Return on assets %0.20.9 25.2%  
Return on equity %3.310.2 31.9%  
Capital adequacy ratio %15.517.6 88.3%  
Net NPAs %2.71.0 261.5%  
CASH FLOW
From Operations Rs m225,921-15,657 -1,442.9%  
From Investments Rs m-7,325-1,648 444.6%  
From Financial Activity Rs m12,75081 15,655.5%  
Net Cashflow Rs m231,346-17,223 -1,343.2%  

Share Holding

Indian Promoters % 73.2 0.8 9,259.5%  
Foreign collaborators % 0.0 14.0 -  
Indian inst/Mut Fund % 16.8 47.2 35.7%  
FIIs % 3.1 13.0 23.8%  
ADR/GDR % 0.0 0.0 -  
Free float % 26.9 85.2 31.5%  
Shareholders   2,163,625 185,692 1,165.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PNB With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on PNB vs DCB Bank

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

PNB vs DCB Bank Share Price Performance

Period PNB DCB Bank S&P BSE BANKEX
1-Day 1.30% 1.32% 0.82%
1-Month 3.02% -7.50% 2.48%
1-Year 176.83% 12.62% 19.28%
3-Year CAGR 50.95% 4.01% 12.00%
5-Year CAGR 5.45% -10.29% 9.40%

* Compound Annual Growth Rate

Here are more details on the PNB share price and the DCB Bank share price.

Moving on to shareholding structures...

The promoters of PNB hold a 73.2% stake in the company. In case of DCB Bank the stake stands at 14.8%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of PNB and the shareholding pattern of DCB Bank.

Finally, a word on dividends...

In the most recent financial year, PNB paid a dividend of Rs 0.7 per share. This amounted to a Dividend Payout ratio of 21.4%.

DCB Bank paid Rs 1.3, and its dividend payout ratio stood at 8.4%.

You may visit here to review the dividend history of PNB, and the dividend history of DCB Bank.

For a sector overview, read our banking sector report.



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