DTK

Diamond Trust Bank trades at 180 KES (as of 3 November 2026). The value pillar scores toward the upper end of the 0–100 scale, led by a price-to-book ratio of 0.85 and earnings yield of 13.5%, which sits 4.5 percentage points above the 364-day T-bill rate of 9.03%. The health pillar is at its ceiling, with an F-Score of 9 out of 9 signals passed. Quality is the weakest pillar, constrained by a return on assets of 1.7% and a return on equity of 11.5%, though the net margin of 22.3% and debt-to-equity ratio of 5.61× (within financial-sector norms) show stable operations. The dividend pillar ranks in the mid-range: the bank has paid dividends in both observed fiscal years without a cut, and earnings cover the payout 7.59 times, but the yield stands at just 1.8% and the payout ratio is 13% of earnings.

An overall verdict is withheld; the newest financial statement is 22 months old and only two fiscal years of history are available (three are required for confidence). Momentum data are still building, with only four months of observation. The data-confidence grade is C. Diamond Trust remains profitable, with year-over-year earnings and revenue growth of 20.6%, and no risk flags are present in the available data. A fresh annual filing or interim statement would materially strengthen the picture.

Automated analysis for information & education. Not investment advice.