Financial Services stocks · Micro cap · NSE
DCB Bank is a new generation private sector bank with a PAN India presence, focusing on self-employed segments. It specializes in granular secured small ticket lending across mortgages, MSME/SME, educational institutional loans, agri, and gold loans, with a diversified portfolio and expanding branch network.
full bull SMA stack · SMA20 -4.7% / mo · MACD +
Latest mapped FPI equity flow was not positive. View sector evidence
Today's candle is provisional from the latest intraday quote; completed-candle scans remain unchanged.
Adjusted completed-session prices, rebased to 100
Mixed fundamentals, management evidence is still limited to a financial-only Trust Lite signal, price trend is neutral, and recent execution is consistent.
Fundamental lens: valuation, quality, growth, balance sheet, and cash flow.
Revenue +9.4% · PAT +35.7% YoY
Price trend and sector-relative-strength timing.
Legacy margin-of-safety estimate; the revised evidence label remains in shadow validation.
Financial-only signal; management claim evidence is not sufficient yet.
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Rev +9% YoY · PAT +36% YoY · operating leverage
| Metric | This quarter | YoY | QoQ |
|---|---|---|---|
| Revenue | ₹1,984 Cr | +9.4% | +4.0% |
| EBITDA | NDF | NDF | NDF |
| Operating margin | NDF | NDF | NDF |
| PAT | ₹213 Cr | +35.7% | +3.4% |
| PAT margin | 10.7% | +209 bps | -6 bps |
NDF means not disclosed in the current structured filing feed. It is intentionally not treated as zero.
Updated 19/10/2026
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Signals are conflicting — long-term uptrend intact. RSI 49. Wait for confirmation.
Mechanical read from the price + indicator series above. Not a recommendation — technical setups can reverse without warning, especially around earnings and macro events.
U-Score 56 · legacy U-Score band FAIR VALUE · valuation evidence and comparable companies
Top U-Score contributors and drags from the latest stored fundamentals.
Banks are balance-sheet businesses, so book value quality matters more than simple earnings multiples.
This shows the stored score trend when snapshots exist, and also compares the latest stored nightly score with a live recompute from current fundamentals and price.
12 stored score snapshots. Latest stored move: +0 points.
Business-comparable peers in Financial Services — ranked by industry, sub-sector, theme-tag overlap, market cap, and U-Score similarity. Green cells mark the best available peer metric in this table.
Growth engines, risks, management commitments and evidence-backed delivery
DCB Bank reports robust Q4 FY26 performance with PAT up 16.14% YoY to INR 206 crores, driven by strong advances and deposit growth. Asset quality improved significantly, with GNPA at 2.45% and NNPA at 0.89%.
DCB Bank's Q4 FY26 results show healthy growth in advances and deposits, coupled with notable improvement in asset quality metrics. While NIM saw a sequential uptick, the decline in CASA ratio and high cost-to-income ratio warrant close monitoring. Management's ambitious balance sheet doubling target and ROA/ROE goals will be key to watch.
Latest issuer-disclosed distribution across 9 reported categories.
Retail Mortgages grew +8% YoY and are expected to lead growth.
Co-lending grew +25% YoY and is expected to lead growth.
AIB grew +19% YoY and is expected to lead growth.
Gold Loans grew +56.7% YoY and are expected to lead growth.
The bank expanded its branch network to 480 branches as of March 31, 2026, up from 469 in December 2025.
Management highlights a diversified advances portfolio as a factor for robust yields and healthy NIMs.
Ongoing investments in digital agenda to improve frontline and customer experience, including new credit cards and UPI enhancements.
CASA ratio declined to 22.38% in Q4 FY26 from 24.52% in Q4 FY25, indicating a shift in funding mix.
Cost to Income ratio was 60.53% in Q4 FY26, with a target to bring it to 60% or below in the near term.
Issuer guidance and extracted claims are tracked against later reported outcomes. Treat these as management statements, not IndiaPulse forecasts.
Both YoY and QoQ comparisons are crucial for a financial services company. YoY provides insight into overall growth and seasonal trends, while QoQ highlights sequential momentum, asset quality changes, and operational efficiency improvements.
Advances grew +17.58% YoY to INR 60,022 crores in Q4 FY26. Sequentially, advances increased +6.0% QoQ.
Deposits grew +20.91% YoY to INR 72,583 crores in Q4 FY26. Top 20 depositors contribute 6.55% of total deposits.
NIM for Q4 FY26 was 3.39%, up from 3.27% in Q3 FY26 and 3.29% in Q4 FY25. Management targets business model NIMs of 350-365 bps.
GNPA improved to 2.45% in Q4 FY26 from 2.72% in Q3 FY26 and 2.99% in Q4 FY25.
Management aims to double the Balance Sheet size every three to four years.
Management targets ROA of 1% or above in the near term.
Management targets ROE of 13.5% for FY26-27 and 14.5% for FY27-28.
Management targets GNPA below 2.50% and NNPA of 1.00%.
| Checkpoint | Current evidence | What to verify next |
|---|---|---|
| Balance Sheet Size | INR 88,069 crores (Q4 FY26) | Progress towards doubling the balance sheet size in 3-4 years. |
| Return on Assets (ROA) | 0.97% (Q4 FY26) | Achievement of the near-term target of 1% or above. |
| CASA Ratio | 22.38% (Q4 FY26) | Stabilization or improvement in CASA ratio to support lower cost of funds. |
| Cost to Income Ratio | 60.53% (Q4 FY26) | Reduction towards the target of 60% or below. |
Verification checkpoints are IndiaPulse research interpretation, not investment advice.
Trust asks: does management behaviour match later outcomes? Higher is better, but confidence and evidence depth matter as much as the number.
Limited evidence: Claim history is still being built. It ranks around the 72nd percentile of the scored universe and 84th percentile within Financial Services. Main check: financial discipline is weak at 56/100.
This is a financial-behaviour screen, not a claim-tested management reliability verdict.
Financial behaviour is scored, but management claims do not yet have enough outcome checks.
overall median 67 · Financial Services: 84th pctile, median 62 · Micro: 54th pctile, median 73
137 documents have extracted text, but claim history is not strong enough yet.
0 claims extracted · No contradicted claim yet
Read Trust alongside U-Score, result consistency, and technical trend. A cheap stock with weak Trust needs a larger margin of safety; a high Trust score does not make an expensive stock attractive by itself.
Read low sub-scores as due-diligence warnings, not automatic sell signals.
Trust Lite uses financial behaviour only. Prefer claim-tested Trust when enough concall claims have later outcomes.
Latest exchange and company disclosures found within the past two years.
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