DCB Bank is on the rise today, currently, the top gainer on the BSE. The stock opened at Rs.132.55 and rose to an intraday high at Rs.140, not too far from its 52-week high of Rs.145.95.

The market is happy with the Bank’s performance for Q4FY25 wherein it posted a 14% (YoY) rise in net profit at Rs.177 crore. Its NII rose a 10% rise at Rs.558 crore.

The market is more happy with its asset quality with Gross NPA down from 3.11% to 2.99% and Net NPA down from 1.18% to 1.12%.

Provision Coverage Ratio (PCR) as on March 31, 2025 was at 74.48% and PCR without considering Gold Loans NPAs was at 75.22%.

Capital Adequacy continues to be strong and as on March 31, 2025, the Capital Adequacy Ratio was at 16.77% (with Tier I at 14.30% and Tier II at 2.47% as per Basel III norms).

The board has recommended a dividend of Rs.1.35 per equity share.

The good news in the stock is that there are no regulatory issues, fraud reports, or top management changes. And the stock movement is purely earnings-driven and sector-wide sentiment.