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Dogwood State Bank (DSBX) Stock Overview

A state-chartered community bank, provides banking products and services to businesses, business owners, professionals, and their employees in North Carolina. More details

DSBX fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	5/6
Financial Health	6/6
Dividends	0/6

Rewards

Earnings grew by 950.7% over the past year

Risk Analysis

Shareholders have been diluted in the past year

DSBX Community Fair Values

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Dogwood State Bank Competitors

Price History & Performance

Summary of share price highs, lows and changes for Dogwood State Bank
Historical stock prices
Current Share Price	US$24.26
52 Week High	US$25.02
52 Week Low	US$13.60
Beta	0.17
1 Month Change	0.041%
3 Month Change	5.85%
1 Year Change	70.25%
3 Year Change	36.14%
5 Year Change	n/a
Change since IPO	61.73%

Recent updates

Shareholder Returns

	DSBX	US Banks	US Market
7D	1.2%	1.0%	1.6%
1Y	70.2%	18.7%	18.6%

Return vs Industry: DSBX exceeded the US Banks industry which returned 25.8% over the past year.

Return vs Market: DSBX exceeded the US Market which returned 19.8% over the past year.

Price Volatility

Is DSBX's price volatile compared to industry and market?
DSBX volatility
DSBX Average Weekly Movement	3.6%
Banks Industry Average Movement	3.3%
Market Average Movement	7.3%
10% most volatile stocks in US Market	16.7%
10% least volatile stocks in US Market	3.2%

Stable Share Price: DSBX has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: DSBX's weekly volatility has decreased from 9% to 4% over the past year.

About the Company

Founded	Employees	CEO	Website
2017	n/a	Steve Jones	www.dogwoodstatebank.com

Dogwood State Bank, a state-chartered community bank, provides banking products and services to businesses, business owners, professionals, and their employees in North Carolina. It offers personal and business checking accounts; savings accounts; money market accounts; individual retirement accounts; and certificates of deposit. The company also provides business financing services, including business lines of credit and business term loans; personal lines of credit; overdraft protection services; credit cards; home equity lines; personal loans comprising automobile and truck loans, boat and RV loans, and boat slip financing services; and real estate loans, such as home construction loans, home improvement loans, investment rental homes, residential lot loans, residential second mortgage loans, and home equity lines.

Dogwood State Bank Fundamentals Summary

How do Dogwood State Bank's earnings and revenue compare to its market cap?
DSBX fundamental statistics
Market cap	US$563.42m
Earnings (TTM)	US$27.80m
Revenue (TTM)	US$100.17m

20.3x

P/E Ratio

2.2x

P/B Ratio

Is DSBX overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
DSBX income statement (TTM)
Revenue	US$100.17m
Cost of Revenue	US$0
Gross Profit	US$100.17m
Other Expenses	US$72.37m
Earnings	US$27.80m

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	1.20
Gross Margin	100.00%
Net Profit Margin	27.75%
Debt/Equity Ratio	43.2%

How did DSBX perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/01/13 11:59
End of Day Share Price	2026/01/09 00:00
Earnings	2025/09/30
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Dogwood State Bank is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Dogwood State BankOTCPK:DSBX Stock Report