DCB Bank Limited (DCBBANK) Fair Value & Analysis
Financial Services · IN · Market cap ₹58.5B
Fair value as of: Aug 20, 2026
From 4 valuation models · updated today
Share price −4.2% over the past month.
A solid business, screening 59% undervalued on our models.
What matters now
- The price is below even our cautious bear case (₹217.26). The market is more pessimistic than our downside scenario.
- Solid quality (55/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 20, 2026.
How to read this chart
60‑month range ₹65.46 – ₹199.23 · fair‑value band ₹217.26 – ₹362.09 · the ₹181.65 price screens below the ₹289.67 fair value. Dashed = 300-day average. As of Aug 20, 2026.
Analysis
DCB Bank Limited (DCBBANK) currently trades at ₹181.65, while our model-based Fair Value estimate is ₹289.67, implying the stock looks roughly 59.5% undervalued today. The Quality Score stands at 55/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, DCB Bank Limited generated revenue of ₹31.1B at a net margin of 25.3%. Revenue grew 17.4% year over year. It earns a return on equity of 12.0%. Net debt stands at ₹9.3B. Fundamentals as of Aug 20, 2026
Our scenario range runs from ₹217.26 (bear case) to ₹362.09 (bull case); at ₹181.65, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 11% below its 52-week high and 53% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 46% fair-value upside, at 59%, DCBBANK screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Multiples (₹284.06) versus Asset-Based (₹135.94). Highest evidence: Residual Income (76).
Notify me when DCBBANK reaches fair value
Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 20, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 52 · Market factors (momentum, volatility) 68
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
DCB Bank Limited provides various banking and financial products and services in India. It operates through Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments.
Full company description
DCB Bank Limited provides various banking and financial products and services in India. It operates through Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company's deposit products include current and saving, NRI, recurring, and fixed deposit accounts; and offers ATM, debit, and travel smart cards, and payment services, such as bill and 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, 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 trade receivables and invoice discounting system and 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 distributes life, general, and health insurance products, as well as mutual funds; and provides locker facility and ASBA online services. DCB Bank Limited was incorporated in 1995 and is headquartered in Mumbai, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
DCB Bank Limited reported revenue of ₹33.1B in FY2026 versus ₹18.1B in FY2022, a compound +16.3%/yr. Reported net income was ₹7.3B in FY2026, compounding +26.3%/yr from FY2022.
Watch DCBBANK: get an alert when its fair value changes →
Peer Group
Banks - Regional · 1088 stocks
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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 20, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,350 IDR | 4,637 IDR | -27% |
| KB Financial Group 105560 | 168,100 KRW | 220,258 KRW | +31% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 3,110 IDR | 3,792 IDR | +22% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,150 IDR | 6,067 IDR | +46% |
| Banco Bradesco S.A BBD | 5,120 ARS | 8,400 ARS | +64% |
| Shinhan Financial Group 055550 | 103,800 KRW | 146,032 KRW | +41% |
| Hana Financial Group 086790 | 127,900 KRW | 210,506 KRW | +65% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,500 VND | 45,959 VND | -23% |
| Woori Financial Group 316140 | 33,000 KRW | 60,758 KRW | +84% |
Compare DCB Bank Limited with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is DCB Bank Limited (DCBBANK) overvalued or undervalued?
What is the fair value of DCBBANK?
What is the quality score of DCBBANK?
What is the revenue of DCB Bank Limited (DCBBANK)?
What is the net profit margin of DCBBANK?
How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
Track DCB Bank Limited and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.