DCB Commercial Bank Plc provides various banking products and services in Tanzania.
Price History & Performance
|Historical stock prices|
|Current Share Price||TSh200.00|
|52 Week High||TSh200.00|
|52 Week Low||TSh265.00|
|1 Month Change||-9.09%|
|3 Month Change||-16.67%|
|1 Year Change||-24.53%|
|3 Year Change||-41.18%|
|5 Year Change||-53.49%|
|Change since IPO||-60.78%|
Recent News & Updates
|DCB||TZ Banks||TZ Market|
Return vs Industry: DCB underperformed the TZ Banks industry which returned 28.2% over the past year.
Return vs Market: DCB underperformed the TZ Market which returned 3.9% over the past year.
Stable Share Price: Insufficient data to determine DCB's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine DCB's volatility change over the past year.
About the Company
DCB Commercial Bank Plc provides various banking products and services in Tanzania. It operates through Treasury, Retail Banking, and Other segments. The company offers savings, current, young saver, student, and joint accounts, as well as fixed and short-term deposits.
DCB Commercial Bank Fundamentals Summary
|DCB fundamental statistics|
Is DCB overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|DCB income statement (TTM)|
|Cost of Revenue||TSh0|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||9.45|
|Net Profit Margin||4.49%|
How did DCB perform over the long term?See historical performance and comparison
Is DCB Commercial Bank undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate DCB's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate DCB's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: DCB is poor value based on its PE Ratio (21.2x) compared to the TZ Banks industry average (4.3x).
PE vs Market: DCB is poor value based on its PE Ratio (21.2x) compared to the TZ market (10.8x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate DCB's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: DCB is good value based on its PB Ratio (0.6x) compared to the TZ Banks industry average (0.8x).
How is DCB Commercial Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as DCB Commercial Bank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has DCB Commercial Bank performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: DCB has a high level of non-cash earnings.
Growing Profit Margin: DCB's current net profit margins (4.5%) are lower than last year (8.3%).
Past Earnings Growth Analysis
Earnings Trend: DCB's earnings have grown significantly by 34.8% per year over the past 5 years.
Accelerating Growth: DCB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: DCB had negative earnings growth (-40.3%) over the past year, making it difficult to compare to the Banks industry average (11%).
Return on Equity
High ROE: DCB's Return on Equity (2.8%) is considered low.
How is DCB Commercial Bank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: DCB's Assets to Equity ratio (6.4x) is low.
Allowance for Bad Loans: DCB has a low allowance for bad loans (50%).
Low Risk Liabilities: 92% of DCB's liabilities are made up of primarily low risk sources of funding.
Loan Level: DCB has an appropriate level of Loans to Assets ratio (55%).
Low Risk Deposits: DCB's Loans to Deposits ratio (72%) is appropriate.
Level of Bad Loans: DCB has a high level of bad loans (11.6%).
What is DCB Commercial Bank current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate DCB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate DCB's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if DCB's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if DCB's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: DCB is not paying a notable dividend for the TZ market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of DCB's dividend in 3 years as they are not forecast to pay a notable one for the TZ market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Godfrey Ndalahwa (45 yo)
Mr. Godfrey Petro Ndalahwa serves as Managing Director of DCB Commercial Bank Plc and serves as its Director since January 1, 2018. Mr. Ndalahwa served as Acting Managing Director of KCB Bank Tanzania Ltd....
Experienced Management: DCB's management team is considered experienced (2.9 years average tenure).
Experienced Board: DCB's board of directors are considered experienced (3.8 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
DCB Commercial Bank Plc's employee growth, exchange listings and data sources
- Name: DCB Commercial Bank Plc
- Ticker: DCB
- Exchange: DAR
- Founded: 2001
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: TSh18.473b
- Shares outstanding: 92.36m
- Website: https://www.dcb.co.tz
Number of Employees
- DCB Commercial Bank Plc
- DCB House
- Magomeni Mwembechai
- Dar es Salaam
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/20 15:00|
|End of Day Share Price||2021/10/15 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.