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- Indian - banking
- DCB BANK - J&K BANK
DCB BANK vs J&K BANK - Comparison Results
Current Valuations
| DCB BANK | J&K BANK | DCB BANK/ J&K BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 6.4 | 5.1 | 125.0% | View Chart |
| P/BV | x | 0.7 | 0.9 | 84.3% | View Chart |
| Dividend Yield | % | 1.1 | 2.3 | 47.3% |
Financials
 DCB BANK  J&K BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| DCB BANK Mar-24 |
J&K BANK Mar-24 |
DCB BANK/ J&K BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 163 | 152 | 107.2% | |
| Low | Rs | 100 | 48 | 206.1% | |
| Income per share (Unadj.) | Rs | 171.4 | 101.8 | 168.3% | |
| Earnings per share (Unadj.) | Rs | 17.1 | 16.1 | 106.5% | |
| Cash flow per share (Unadj.) | Rs | 61.7 | 51.2 | 120.5% | |
| Dividends per share (Unadj.) | Rs | 1.25 | 2.15 | 58.1% | |
| Avg Dividend yield | % | 0.9 | 2.1 | 44.4% | |
| Book value per share (Unadj.) | Rs | 162.0 | 110.7 | 146.3% | |
| Shares outstanding (eoy) | m | 312.80 | 1,101.18 | 28.4% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.8 | 1.0 | 77.8% | |
| Avg P/E ratio | x | 7.7 | 6.2 | 123.0% | |
| Avg P/CF ratio | x | 4.8 | 4.8 | 98.2% | |
| Avg Price/Bookvalue ratio | x | 0.8 | 0.9 | 89.5% | |
| Dividend payout | % | 7.3 | 13.4 | 54.6% | |
| Avg Mkt Cap | Rs m | 41,165 | 110,597 | 37.2% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 7,943 | 25,790 | 30.8% | |
| Avg. income/employee | Rs Th | 0 | 0 | - | |
| Avg. wages/employee | Rs Th | 0 | 0 | - | |
| Avg. net profit/employee | Rs Th | 0 | 0 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 53,620 | 112,132 | 47.8% | |
| Other income | Rs m | 4,742 | 8,377 | 56.6% | |
| Interest expense | Rs m | 34,341 | 60,079 | 57.2% | |
| Net interest income | Rs m | 19,279 | 52,053 | 37.0% | |
| Operating expense | Rs m | 15,377 | 37,626 | 40.9% | |
| Gross profit | Rs m | 3,902 | 14,427 | 27.0% | |
| Gross profit margin | % | 7.3 | 12.9 | 56.6% | |
| Provisions/contingencies | Rs m | 3,285 | 5,105 | 64.3% | |
| Profit before tax | Rs m | 7,220 | 23,881 | 30.2% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 13 | 0.0% | |
| Tax | Rs m | 1,860 | 6,182 | 30.1% | |
| Profit after tax | Rs m | 5,360 | 17,712 | 30.3% | |
| Net profit margin | % | 10.0 | 15.8 | 63.3% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 409,246 | 937,566 | 43.6% | |
| Deposits | Rs m | 493,530 | 1,347,632 | 36.6% | |
| Credit/Deposit ratio | x | 82.9 | 69.6 | 119.2% | |
| Yield on advances | % | 10.4 | 9.2 | 112.8% | |
| Cost of deposits | % | 6.2 | 4.2 | 147.5% | |
| Net Interest Margin | % | 3.4 | 4.0 | 83.4% | |
| Net fixed assets | Rs m | 8,411 | 22,083 | 38.1% | |
| Share capital | Rs m | 3,128 | 1,101 | 284.0% | |
| Free reserves | Rs m | 47,551 | 120,826 | 39.4% | |
| Net worth | Rs m | 50,679 | 121,927 | 41.6% | |
| Borrowings | Rs m | 62,195 | 28,850 | 215.6% | |
| Investments | Rs m | 162,108 | 349,002 | 46.4% | |
| Total assets | Rs m | 630,370 | 1,545,046 | 40.8% | |
| Debt/equity ratio | x | 11.0 | 11.3 | 97.1% | |
| Return on assets | % | 0.9 | 1.1 | 74.2% | |
| Return on equity | % | 10.6 | 14.5 | 72.8% | |
| Capital adequacy ratio | % | 16.6 | 15.4 | 107.6% | |
| Net NPAs | % | 1.1 | 0.8 | 140.5% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -12,398 | -8,526 | 145.4% | |
| From Investments | Rs m | -1,329 | -2,573 | 51.7% | |
| From Financial Activity | Rs m | 20,702 | 4,074 | 508.1% | |
| Net Cashflow | Rs m | 6,975 | -7,024 | -99.3% | |
Share Holding
| Indian Promoters | % | 0.8 | 59.4 | 1.3% | |
| Foreign collaborators | % | 14.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 37.7 | 12.9 | 293.2% | |
| FIIs | % | 11.1 | 6.5 | 170.9% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 85.3 | 40.6 | 210.0% | |
| Shareholders | 247,961 | 278,050 | 89.2% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare DCB BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on DCB Bank vs J&K Bank
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
DCB Bank vs J&K Bank Share Price Performance
| Period | DCB Bank | J&K Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 2.06% | 0.26% | 1.61% |
| 1-Month | 3.88% | 3.84% | -0.07% |
| 1-Year | 3.65% | -14.22% | 18.92% |
| 3-Year CAGR | 7.63% | 34.47% | 11.26% |
| 5-Year CAGR | -7.96% | 23.81% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the DCB Bank share price and the J&K Bank share price.
Moving on to shareholding structures...
The promoters of DCB Bank hold a 14.7% stake in the company. In case of J&K Bank the stake stands at 59.4%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of DCB Bank and the shareholding pattern of J&K Bank.
Finally, a word on dividends...
In the most recent financial year, DCB Bank paid a dividend of Rs 1.3 per share. This amounted to a Dividend Payout ratio of 7.3%.
J&K Bank paid Rs 2.2, and its dividend payout ratio stood at 13.4%.
You may visit here to review the dividend history of DCB Bank, and the dividend history of J&K Bank.
For a sector overview, read our banking sector report.
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