OTCPK:DBIN

Stock Analysis Report

Executive Summary

Dacotah Banks, Inc. operates as the bank holding company for Dacotah Bank that provides various banking services to individuals and businesses.

Snowflake

Flawless balance sheet with proven track record.


Similar Companies

Share Price & News

How has Dacotah Banks's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: DBIN has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

0%

DBIN

-1.5%

US Banks

0.2%

US Market


1 Year Return

-12.0%

DBIN

8.3%

US Banks

12.2%

US Market

Return vs Industry: DBIN underperformed the US Banks industry which returned 8.3% over the past year.

Return vs Market: DBIN underperformed the US Market which returned 12.2% over the past year.


Shareholder returns

DBINIndustryMarket
7 Day0%-1.5%0.2%
30 Day-3.0%6.4%3.5%
90 Day-8.3%16.1%6.3%
1 Year-10.7%-12.0%11.6%8.3%14.7%12.2%
3 Year26.6%21.2%39.0%29.3%47.8%38.3%
5 Year37.2%28.4%72.1%53.1%62.1%44.1%

Price Volatility Vs. Market

How volatile is Dacotah Banks's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Dacotah Banks undervalued compared to its fair value and its price relative to the market?

12.93x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: DBIN ($32.11) is trading above our estimate of fair value ($28.84)

Significantly Below Fair Value: DBIN is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: DBIN is poor value based on its PE Ratio (12.9x) compared to the Banks industry average (12.6x).

PE vs Market: DBIN is good value based on its PE Ratio (12.9x) compared to the US market (18.1x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate DBIN's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: DBIN is good value based on its PB Ratio (1.2x) compared to the US Banks industry average (1.2x).


Next Steps

Future Growth

How is Dacotah Banks forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

7.9%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: DBIN's forecast earnings growth (7.9% per year) is above the savings rate (2.7%).

Earnings vs Market: DBIN's earnings (7.9% per year) are forecast to grow slower than the US market (14.3% per year).

High Growth Earnings: DBIN's earnings are forecast to grow, but not significantly.

Revenue vs Market: Insufficient data to determine if DBIN's revenue is forecast to grow faster than the US market.

High Growth Revenue: Insufficient data to determine if DBIN's revenue is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if DBIN's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has Dacotah Banks performed over the past 5 years?

6.8%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: DBIN has a high level of non-cash earnings.

Growing Profit Margin: DBIN's current net profit margins (25.3%) are higher than last year (19.8%).


Past Earnings Growth Analysis

Earnings Trend: DBIN's earnings have grown by 6.8% per year over the past 5 years.

Accelerating Growth: DBIN's earnings growth over the past year (33.3%) exceeds its 5-year average (6.8% per year).

Earnings vs Industry: DBIN earnings growth over the past year (33.3%) exceeded the Banks industry 27.4%.


Return on Equity

High ROE: DBIN's Return on Equity (8.9%) is considered low.


Return on Assets


Return on Capital Employed


Next Steps

Financial Health

How is Dacotah Banks's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Inventory Level: DBIN has a low level of unsold assets or inventory.

Debt Coverage by Assets: DBIN's debt is covered by short term assets (assets are 4x debt).


Financial Institutions Analysis

Asset Level: DBIN's level of assets compared to its equity is low.

Allowance for Bad Loans: DBIN has a sufficient allowance for bad loans.

Low Risk Liabilities: DBIN's liabilities are made up of primarily low risk sources of funding.

Loan Level: DBIN has an acceptable proportion of non-loan assets held.

Low Risk Deposits: DBIN's loans are broadly funded by customer deposits.

Level of Bad Loans: DBIN has an appropriate level of bad loans (0.84%)


Next Steps

Dividend

What is Dacotah Banks's current dividend yield, its reliability and sustainability?

1.62%

Current Dividend Yield


Dividend Yield vs Market

company1.6%marketbottom25%1.4%markettop25%3.6%industryaverage2.8%forecastin3Yearsn/a

Current dividend yield vs market & industry

Notable Dividend: DBIN's dividend (1.62%) is higher than the bottom 25% of dividend payers in the US market (1.43%).

High Dividend: DBIN's dividend (1.62%) is low compared to the top 25% of dividend payers in the US market (3.65%).


Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, DBIN has been paying a dividend for less than 10 years.

Growing Dividend: DBIN's dividend payments have increased, but the company has only paid a dividend for 6 years.


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (20.5%), DBIN's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

What is the CEO of Dacotah Banks's salary, the management and board of directors tenure and is there insider trading?

4.8yrs

Average management tenure


CEO

Joe Senger (66yo)

4.8yrs

Tenure

0

Mr. Joseph A. Senger, also known as Joe, has been the Chief Executive Officer and President of Dacotah Banks, Inc. and Dacotah Bank since January 1, 2015. Mr. Senger served as an Executive Vice President o ...


Management Age and Tenure

4.8yrs

Average Tenure

73yo

Average Age

Experienced Management: DBIN's management team is considered experienced (4.8 years average tenure).


Board Age and Tenure

15.3yrs

Average Tenure

67.5yo

Average Age

Experienced Board: DBIN's board of directors are seasoned and experienced ( 15.3 years average tenure).


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Management Team

  • Rod Fouberg (81yo)

    Executive VP & Director

    • Tenure: 35.8yrs
  • Dick Westra (73yo)

    Chairman of the Board

    • Tenure: 4.8yrs
  • Robert Fouberg

    Executive VP

    • Tenure: 0yrs
  • Chad Bergan

    Senior VP & CFO

    • Tenure: 11.8yrs
  • Bob Compton

    Senior VP & Chief Talent Officer

    • Tenure: 2.8yrs
  • Joe Senger (66yo)

    President

    • Tenure: 4.8yrs

Board Members

  • Rod Fouberg (81yo)

    Executive VP & Director

    • Tenure: 35.8yrs
  • Arthur Russo (69yo)

    Director

    • Tenure: 34.8yrs
  • Bradford Wheeler (66yo)

    Director

    • Tenure: 22.8yrs
  • Dick Westra (73yo)

    Chairman of the Board

    • Tenure: 4.8yrs
  • William Lamont (80yo)

    Director

    • Tenure: 34.8yrs
  • Kent Edson (77yo)

    Director

    • Tenure: 23.8yrs
  • Catherine Dutenhoffer (52yo)

    Director

    • Tenure: 7.8yrs
  • Joe Senger (66yo)

    President

    • Tenure: 4.8yrs
  • Elizabeth Lewis (49yo)

    Director

    • Tenure: 5.8yrs
  • Lori Lange (53yo)

    Director

    • Tenure: 3.3yrs

Company Information

Dacotah Banks, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Dacotah Banks, Inc.
  • Ticker: DBIN
  • Exchange: OTCPK
  • Founded: 1964
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$360.586m
  • Shares outstanding: 11.23m
  • Website: https://www.dacotahbank.com

Number of Employees


Location

  • Dacotah Banks, Inc.
  • 401 South Main Street
  • Suite 212
  • Aberdeen
  • South Dakota
  • 57402
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
DBINOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJan 1975

Biography

Dacotah Banks, Inc. operates as the bank holding company for Dacotah Bank that provides various banking services to individuals and businesses. The company accepts demand and certificates of deposit; and c ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/11/14 23:36
End of Day Share Price2019/11/06 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.