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Dacotah Banks

OTCPK:DBIN
Snowflake Description

Flawless balance sheet with proven track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
DBIN
OTCPK
$391M
Market Cap
  1. Home
  2. US
  3. Banks
Company description

Dacotah Banks, Inc. operates as the bank holding company for Dacotah Bank that provides various banking services to individuals and businesses. The last earnings update was 6 days ago. More info.


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  • Dacotah Banks has significant price volatility in the past 3 months.
DBIN Share Price and Events
7 Day Returns
0%
OTCPK:DBIN
1.2%
US Banks
-0.1%
US Market
1 Year Returns
11.1%
OTCPK:DBIN
-5.2%
US Banks
7.6%
US Market
DBIN Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Dacotah Banks (DBIN) 0% 2.8% -35.2% 11.1% 34.6% 20.7%
US Banks 1.2% 8.6% 3.7% -5.2% 43.3% 51.7%
US Market -0.1% 3.7% 10.2% 7.6% 38.1% 46.4%
1 Year Return vs Industry and Market
  • DBIN outperformed the Banks industry which returned -5.2% over the past year.
  • DBIN outperformed the Market in United States of America which returned 7.6% over the past year.
Price Volatility
DBIN
Industry
5yr Volatility vs Market

DBIN Value

 Is Dacotah Banks undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Dacotah Banks to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Dacotah Banks.

OTCPK:DBIN Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= $24.20 * 7.9%
$1.90
Book Value of Equity per Share Median Book Value from the past 5 years. $24.20
Discount Rate (Cost of Equity) See below 7.5%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for OTCPK:DBIN
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.63
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.63 (1 + (1- 21%) (8.19%))
0.78
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.8
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (0.8 * 5.96%)
7.5%

Discounted Cash Flow Calculation for OTCPK:DBIN using Excess Returns Model Model

The calculations below outline how an intrinsic value for Dacotah Banks is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

OTCPK:DBIN Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (7.9% – 7.5%) * $24.20)
$0.09
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $0.09 / (7.5% - 2.73%)
$1.85
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $24.20 + $1.85
$26.06
OTCPK:DBIN Discount to Share Price
Calculation Result
Value per share (USD) From above. $26.06
Current discount Discount to share price of $35.00
= -1 x ($35.00 - $26.06) / $26.06
-34.3%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Dacotah Banks is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Dacotah Banks's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Dacotah Banks's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
OTCPK:DBIN PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in USD $2.51
OTCPK:DBIN Share Price ** OTCPK (2019-04-16) in USD $35
United States of America Banks Industry PE Ratio Median Figure of 587 Publicly-Listed Banks Companies 12.86x
United States of America Market PE Ratio Median Figure of 3,080 Publicly-Listed Companies 18.03x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Dacotah Banks.

OTCPK:DBIN PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= OTCPK:DBIN Share Price ÷ EPS (both in USD)

= 35 ÷ 2.51

13.96x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dacotah Banks is overvalued based on earnings compared to the US Banks industry average.
  • Dacotah Banks is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does Dacotah Banks's expected growth come at a high price?
Raw Data
OTCPK:DBIN PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 13.96x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
7.3%per year
United States of America Banks Industry PEG Ratio Median Figure of 262 Publicly-Listed Banks Companies 1.25x
United States of America Market PEG Ratio Median Figure of 2,109 Publicly-Listed Companies 1.55x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Dacotah Banks, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Dacotah Banks's assets?
Raw Data
OTCPK:DBIN PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in USD $26.48
OTCPK:DBIN Share Price * OTCPK (2019-04-16) in USD $35
United States of America Banks Industry PB Ratio Median Figure of 592 Publicly-Listed Banks Companies 1.22x
United States of America Market PB Ratio Median Figure of 5,185 Publicly-Listed Companies 1.92x
OTCPK:DBIN PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= OTCPK:DBIN Share Price ÷ Book Value per Share (both in USD)

= 35 ÷ 26.48

1.32x

* Primary Listing of Dacotah Banks.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dacotah Banks is overvalued based on assets compared to the US Banks industry average.
X
Value checks
We assess Dacotah Banks's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Dacotah Banks has a total score of 1/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

DBIN Future Performance

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

  • No analysts cover Dacotah Banks, future earnings growth has been estimated based on fundamentals.
The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
7.3%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Dacotah Banks expected to grow at an attractive rate?
  • Dacotah Banks's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Dacotah Banks's earnings growth is positive but not above the United States of America market average.
  • Unable to compare Dacotah Banks's revenue growth to the United States of America market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
OTCPK:DBIN Future Growth Rates Data Sources
Data Point Source Value (per year)
OTCPK:DBIN Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts 7.3%
United States of America Banks Industry Earnings Growth Rate Market Cap Weighted Average 4.2%
United States of America Banks Industry Revenue Growth Rate Market Cap Weighted Average 4.3%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 13.5%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.1%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
OTCPK:DBIN Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
OTCPK:DBIN Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2018-12-31 108 34 28
2018-09-30 107 33 23
2018-06-30 105 33 21
2018-03-31 104 31 19
2017-12-31 102 31 18
2017-09-30 102 36 24
2017-06-30 101 35 23
2017-03-31 100 29 23
2016-12-31 100 31 23
2016-09-30 97 25 21
2016-06-30 97 23 21
2016-03-31 96 27 21

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Dacotah Banks's earnings are expected to grow by 7.3% yearly, however this is not considered high growth (20% yearly).
  • Unable to determine if Dacotah Banks is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
OTCPK:DBIN Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Dacotah Banks Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:DBIN Past Financials Data
Date (Data in USD Millions) EPS *
2018-12-31 2.51
2018-09-30 2.02
2018-06-30 1.86
2018-03-31 1.68
2017-12-31 1.57
2017-09-30 2.13
2017-06-30 2.07
2017-03-31 2.06
2016-12-31 2.07
2016-09-30 1.92
2016-06-30 1.92
2016-03-31 1.92

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Dacotah Banks will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Dacotah Banks's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Dacotah Banks has a total score of 1/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

DBIN Past Performance

  How has Dacotah Banks performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Dacotah Banks's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Dacotah Banks's year on year earnings growth rate has been positive over the past 5 years.
  • Dacotah Banks's 1-year earnings growth exceeds its 5-year average (60% vs 4.3%)
  • Dacotah Banks's earnings growth has exceeded the US Banks industry average in the past year (60% vs 43.5%).
Earnings and Revenue History
Dacotah Banks's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Dacotah Banks Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:DBIN Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 108.12 28.01 54.72
2018-09-30 106.91 22.54 52.01
2018-06-30 105.25 20.82 51.61
2018-03-31 103.57 18.80 51.24
2017-12-31 101.97 17.51 50.46
2017-09-30 102.18 23.70 50.70
2017-06-30 100.91 23.06 50.29
2017-03-31 99.80 22.84 49.55
2016-12-31 99.58 22.97 49.23
2016-09-30 97.28 21.24 49.26
2016-06-30 96.95 21.20 48.79
2016-03-31 96.18 21.22 47.84
2015-12-31 95.40 21.24 47.02
2014-12-31 89.69 18.59 45.23
2013-12-31 84.82 18.38 41.98
2012-12-31 77.97 17.85 37.84

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Dacotah Banks has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Dacotah Banks used its assets more efficiently than the US Banks industry average last year based on Return on Assets.
  • Unable to establish if Dacotah Banks improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Dacotah Banks's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Dacotah Banks has a total score of 4/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

DBIN Health

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

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Dacotah Banks's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Dacotah Banks Company Filings, last reported 3 months ago.

OTCPK:DBIN Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 295.75 32.00 168.70
2018-09-30 288.34 57.10 51.56
2018-06-30 283.48 49.30 54.15
2018-03-31 276.13 32.00 89.92
2017-12-31 273.86 32.00 74.94
2017-09-30 274.08 93.50 46.80
2017-06-30 270.15 73.00 50.30
2017-03-31 263.08 38.00 65.58
2016-12-31 260.03 38.00 69.32
2016-09-30 255.88 91.00 47.77
2016-06-30 253.02 98.50 47.58
2016-03-31 244.95 44.00 75.38
2015-12-31 241.01 44.00 93.93
2014-12-31 224.07 37.00 94.70
2013-12-31 211.74 20.00 114.73
2012-12-31 199.56 21.01 117.14
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Dacotah Banks has an acceptable proportion of non-loan assets held.
  • Dacotah Banks's liabilities are made up of primarily low risk sources of funding.
  • Loans at Dacotah Banks are broadly funded by customer deposits.
  • Dacotah Banks's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Dacotah Banks has a sufficient allowance for bad loans.
  • Dacotah Banks has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess Dacotah Banks's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Dacotah Banks has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

DBIN Dividends

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

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
1.43%
Current annual income from Dacotah Banks dividends.
If you bought $2,000 of Dacotah Banks shares you are expected to receive $29 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Dacotah Banks's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.4%).
  • Dacotah Banks's dividend is below the markets top 25% of dividend payers in United States of America (3.64%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
OTCPK:DBIN Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United States of America Banks Industry Average Dividend Yield Market Cap Weighted Average of 472 Stocks 2.8%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2008 Stocks 2.4%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.6%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

OTCPK:DBIN Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2018-11-09 0.500 1.301
2018-08-16 0.440 1.282
2018-05-21 0.440 1.339
2018-04-23 0.440 1.394
2017-11-06 0.440 1.367
2017-08-04 0.420 1.403
2017-05-01 0.420 1.394
2016-12-01 0.420 1.433
2016-05-03 0.370 1.343
2015-08-10 0.350 1.373
2014-05-20 0.320 1.269
2013-05-24 0.300 1.411

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Whilst dividend payments have been stable, Dacotah Banks has been paying a dividend for less than 10 years.
  • Dividend payments have increased, but Dacotah Banks only paid a dividend in the past 6 years.
Current Payout to shareholders
What portion of Dacotah Banks's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (5.3x coverage).
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Dacotah Banks's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Dacotah Banks afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Dacotah Banks has a total score of 2/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

DBIN Management

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

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Joe Senger
AGE 65
TENURE AS CEO 4.3 years
CEO Bio

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 of Dacotah Banks, Inc. since 2010. Mr. Senger joined Dacotah Banks company in 2002. He served for 26 years of service with other organizations in the banking and financial services industry. He served as Senior Vice President of Credit Administration at Dacotah Banks. He has extensive management, credit underwriting and community development expertise. Mr. Senger has been a Director of Dacotah Banks, Inc. and Dacotah Bank since January 1, 2015.

CEO Compensation
  • Insufficient data for Joe to compare compensation growth.
  • Insufficient data for Joe to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Dacotah Banks management team in years:

4.3
Average Tenure
72
Average Age
  • The tenure for the Dacotah Banks management team is about average.
Management Team

Dick Westra

TITLE
Chairman of the Board
AGE
72

Joe Senger

TITLE
President
AGE
65
TENURE
4.3 yrs

Chad Bergan

TITLE
Senior VP & CFO
TENURE
11.3 yrs

Robert Fouberg

TITLE
Executive VP

Rod Fouberg

TITLE
Executive VP & Director
AGE
80

Bob Compton

TITLE
Senior VP & Chief Talent Officer
TENURE
2.3 yrs
Board of Directors Tenure

Average tenure and age of the Dacotah Banks board of directors in years:

22.3
Average Tenure
68
Average Age
  • The average tenure for the Dacotah Banks board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors

Joe Senger

TITLE
President
AGE
65
TENURE
4.3 yrs

Robert Fouberg

TITLE
Executive VP

Rod Fouberg

TITLE
Executive VP & Director
AGE
80
TENURE
35.3 yrs

Bradford Wheeler

TITLE
Director
AGE
65
TENURE
22.3 yrs

Dick Westra

TITLE
Chairman of the Board
AGE
72
TENURE
4.3 yrs

Kent Edson

TITLE
Director
AGE
76
TENURE
23.3 yrs

Arthur Russo

TITLE
Director
AGE
68
TENURE
34.3 yrs

William Lamont

TITLE
Director
AGE
79
TENURE
34.3 yrs

Catherine Dutenhoffer

TITLE
Director
AGE
51
TENURE
7.3 yrs

Elizabeth Lewis

TITLE
Director
AGE
48
TENURE
5.3 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
X
Management checks
We assess Dacotah Banks's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Dacotah Banks has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

DBIN News

Simply Wall St News

DBIN Company Info

Description

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 checking, individual retirement, and money market accounts. It also offers personal loans, such as student, recreational, home, and vehicle loans, as well as overdraft protection facilities; business loans; agricultural loans; real estate loans; equipment loans and leasing facilities; lines of credit facilities; debit, credit, and gift cards; and cash management services. In addition, the company offers mortgage loans comprising conventional, fixed rate, and adjustable rate, first-time homebuyer, veterans administration, construction, and jumbo mortgage loans, as well as home equity accounts financing. Further, it provides auto, homeowners, health, and life insurance products; business owners, commercial auto, workers compensation, business property, commercial umbrella, home-based business, in-home daycares, and health savings insurance products; and agricultural insurance products. Additionally, the company offers investment and wealth management services, such as bill payment and elder care, retirement planning, charitable giving, and foundation and endowment services; estate and trust services, including trustee, estate settlement, and dynasty trust services; and phone and online banking services. It operates through 32 full service locations in Minnesota, North Dakota, and South Dakota. Dacotah Banks, Inc. was founded in 1964 and is headquartered in Aberdeen, South Dakota.

Details
Name: Dacotah Banks, Inc.
DBIN
Exchange: OTCPK
Founded: 1964
$390,958,505
11,170,243
Website: http://www.dacotahbank.com
Address: Dacotah Banks, Inc.
401 South Main Street,
Suite 212,
Aberdeen,
South Dakota, 57402,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
OTCPK DBIN Common Stock Pink Sheets LLC US USD 31. Jan 1975
Number of employees
Current staff
Staff numbers
550
Dacotah Banks employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/23 23:35
End of day share price update: 2019/04/16 00:00
Last earnings filing: 2019/04/17
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.