DCB Bank Limited (DCBBANK) fair value: what the stock is really worth
As of Nov 11, 2026: fair value (intrinsic value) of DCB Bank Limited stock ₹179, price ₹221, that is 19.0% below the price, quality 52 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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DCB Bank Limited
DCBBANK · NSEOur calculation puts a fair price 19% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range ₹65.55 – ₹229.55 · fair‑value band ₹165.12 – ₹213.86 · the ₹221.37 price screens above the ₹179.30 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 7, 2026.
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Company profile
DCB Bank Limited engages in the provision of various banking and financial products and services in India. It operates through Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments.
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The company offers deposit products, including current and saving, NRI, recurring, and fixed deposit accounts; debit, travel smart, and credit cards; and payment services, such as bill/utility payment, remittances, tax payment, and POS terminal services, as well as IMPS, RTGS, NEFT, and UPI services.
It also provides secured lending services, including loan against property, overdraft/working capital, co-lending, commercial vehicle, construction equipment and finance, dealer trade advances, kisan credit card, school finance, and retail microfinance; and home, auto, gold, tractor, and term loans, as well as ODTD services.
In addition, the company offers corporate banking services, which include trade current accounts, foreign exchange, guarantee, import and export, letter of credit, supply chain, bill collection, and invoice discounting services; and capital management services comprising working capital and cash management services.
Further, the company provides life, general, and health insurance products, as well as mutual funds; and locker facility and ASBA online services. DCB Bank Limited was incorporated in 1995 and is headquartered in Mumbai, India.
Stock analysis
DCB Bank Limited (DCBBANK) currently trades at ₹221.37, while our model-based Fair Value estimate is ₹179.30, 19% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of ₹230.85 per share, and 1 of the 6 models we run sit above the ₹221.37 price.
Bear case: the Asset-Based group reads lowest at ₹134.35, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: ₹165.12 (bear) to ₹213.86 (bull), the price of ₹221.37 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
DCB Bank Limited reported revenue of ₹82.6B in FY2026 versus ₹39.7B in FY2022, a compound +20.1%/yr. Reported net income was ₹7.3B in FY2026, compounding +26.3%/yr from FY2022.
Key figures
Market cap ₹71.7B (≈ $766M) Small · P/E ratio 8.4 · P/S ratio 2.19 · EPS (TTM) ₹26.27 · Dividend yield 0.7% · Net margin 25.6% · Return on equity 13.0% · Return on assets (EBIT) 1.1% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 59 out of 100 (medium confidence).
What moves the price
The share trades about 4% below its 52-week high and 41% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at −19%, DCBBANK screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
DCBBANK screens overvalued: fair value 19% below the price. Compare with China Merchants Bank Co →
Compare DCB Bank Limited with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 999 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Dividend yield by industry
- EV/EBITDA by industry
- Stock screener with 62 metrics
- Undervalued stocks: Indian Stocks
- Valuation of the India market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.63 | ¥7.59 | +35% | vs DCBBANK |
| China Merchants Bank Co 600036 | ¥42.56 | ¥52.73 | +24% | vs DCBBANK |
| BNP Paribas SA BNP | €95.77 | €107.43 | +12% | vs DCBBANK |
| Intesa Sanpaolo S.p.A ISP | €6.30 | €4.91 | −22% | vs DCBBANK |
| UniCredit S.p.A UCG | €84.24 | €58.08 | −31% | vs DCBBANK |
| Oversea-Chinese Banking Corporation O39 | 28.82 SGD | 18.20 SGD | −37% | vs DCBBANK |
| Mizuho Financial Group MFG | $10.16 | $5.87 | −42% | vs DCBBANK |
| DBS Group D05 | 70.97 SGD | 40.39 SGD | −43% | vs DCBBANK |
| HDFC Bank Limited HDFCBANK | ₹806.60 | ₹406.39 | −50% | vs DCBBANK |
| ICICI Bank Limited ICICIBANK | ₹1,572 | ₹615.63 | −61% | vs DCBBANK |
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Frequently asked questions
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Key figures of DCB Bank Limited
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