DCB Bank Limited
Valuation (94/100) does the heavy lifting; financial trend (58/100) is the drag.
Buy zoneStocksWizard rates DCB Bank Limited a Strong Buy, scoring 77/100 on our blended model. At ₹186.09 it trades below our blended DCF and relative-multiples fair value of ₹372.18, about 100% upside to that estimate — we read it as undervalued by 100%. On 8.1x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 7% below its 52-week high of ₹199.72 and 56% above the low of ₹119.21. Financial health scores 66/100, with a Piotroski F-score of 5/9. The average analyst target of ₹228.24 implies about 23% upside across 17 analysts. It clears 8 of 10 investability checks, with durability 74, valuation 88 and momentum 74 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹297.74. Low-confidence estimate — limited data.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-6.82% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Strong Buy77Piotroski F-score 5/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 12.0%
- No data: Low debt (D/E < 0.5)
- Pass: Positive free cash flow
- Pass: Revenue growth > 10%: 12%
- Pass: Earnings growing: 13%
- Pass: Net margin ≥ 10%: 24.4%
- No data: Current ratio > 1.5
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 5/9
Quarterly results
Annual financials
Shareholding
- Promoter18.5%
- Institutions39.9%
- Public & other41.6%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (24.4%).
Opportunities
- Revenue growing (12% YoY).
- Trading in our value buy zone versus sector peers.
- Trades ~100% below our estimated fair value.
About DCB Bank Limited
DCB Bank Limited provides banking and financial services in India through Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The bank offers deposit accounts including current, savings, NRI, recurring, and fixed deposits; debit, travel smart, and credit cards; and payment services encompassing bill payments, remittances, tax payments, and POS terminals.
DCB Bank Limited — frequently asked questions
Is DCB Bank Limited a buy, hold or sell?
StocksWizard currently rates DCB Bank Limited (DCBBANK) a Strong Buy, based on a blended score of 77/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is DCB Bank Limited's fair value?
Our blended DCF and relative-valuation model estimates DCB Bank Limited's fair value at about ₹372.18, versus a current price of ₹186.09 — roughly 100% upside. On that basis the stock looks undervalued by 100%.
Is DCB Bank Limited financially healthy?
DCB Bank Limited scores 66/100 on our financial-health model, with a Piotroski F-score of 5/9.
How has DCB Bank Limited's share price performed?
DCB Bank Limited is up 4% over three months, and last traded at ₹186.09. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.