DSA Financial Corporation operates as the holding company for Dearborn Savings Bank that provides various financial services.
Proven track record with adequate balance sheet and pays a dividend.
Share Price & News
How has DSA Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: DSFN has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: Insufficient data to determine how DSFN performed against the US Mortgage industry.
Return vs Market: Insufficient data to determine how DSFN performed against the US Market.
Price Volatility Vs. Market
How volatile is DSA Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is DSA Financial 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: DSFN ($14.05) is trading above our estimate of fair value ($5.89)
Significantly Below Fair Value: DSFN is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: DSFN is poor value based on its PE Ratio (23x) compared to the Mortgage industry average (13.7x).
PE vs Market: DSFN is poor value based on its PE Ratio (23x) compared to the US market (18.4x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate DSFN's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: DSFN is overvalued based on its PB Ratio (1.3x) compared to the US Mortgage industry average (1.1x).
How is DSA Financial 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 DSA Financial 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.
- Check out DSA Financial's track record over time to understand how much the company has returned to shareholders and its earnings growth rate in the past.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access DSA Financial's filings and announcements here.
- Explore growth companies in the Banks industry.
How has DSA Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: DSFN has high quality earnings.
Growing Profit Margin: DSFN's current net profit margins (19.9%) are higher than last year (16.7%).
Past Earnings Growth Analysis
Earnings Trend: DSFN's earnings have declined by -5% per year over the past 5 years.
Accelerating Growth: DSFN's earnings growth over the past year (17.2%) exceeds its 5-year average (-5% per year).
Earnings vs Industry: DSFN earnings growth over the past year (17.2%) exceeded the Mortgage industry 11.1%.
Return on Equity
High ROE: DSFN's Return on Equity (5.4%) is considered low.
Return on Assets
Return on Capital Employed
How is DSA Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: DSFN has a low level of unsold assets or inventory.
Debt Coverage by Assets: DSFN's debt is not covered by short term assets (assets are 0.9x debt).
Financial Institutions Analysis
Asset Level: DSFN's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if DSFN has a sufficient allowance for bad loans.
Low Risk Liabilities: DSFN's liabilities are made up of primarily low risk sources of funding.
Loan Level: DSFN has an acceptable proportion of non-loan assets held.
Low Risk Deposits: DSFN's loans are broadly funded by customer deposits.
Level of Bad Loans: Insufficient data to determine if DSFN has an appropriate level of bad loans.
What is DSA Financial's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: DSFN's dividend (3.13%) is higher than the bottom 25% of dividend payers in the US market (1.44%).
High Dividend: DSFN's dividend (3.13%) is low compared to the top 25% of dividend payers in the US market (3.69%).
Stability and Growth of Payments
Stable Dividend: DSFN's dividends per share have been stable in the past 10 years.
Growing Dividend: DSFN's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (72%), DSFN's dividend payments are 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.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
John Young (50yo)
Mr. John P. Young has been the Chief Executive Officer and President of Dearborn Savings Bank and DSA Financial Corp. from September 18, 2015. Mr. Young joined Dearborn Savings in 2009 as the Director of L ...
|Chairman of the Board||10.2yrs||no data||no data|
|Vice Chairman of the Board||0yrs||no data||no data|
|Director||16.1yrs||no data||no data|
|Director||3.9yrs||no data||no data|
|Secretary||10.2yrs||no data||no data|
Experienced Board: DSFN's board of directors are seasoned and experienced ( 10.2 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.
DSA Financial Corporation's company bio, employee growth, exchange listings and data sources
- Name: DSA Financial Corporation
- Ticker: DSFN
- Exchange: OTCPK
- Founded: 2004
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Market Cap: US$18.930m
- Shares outstanding: 1.35m
- Website: https://www.dearbornsavings.com
- DSA Financial Corporation
- 595 West Eads Parkway
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|DSFN||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||Apr 1994|
DSA Financial Corporation operates as the holding company for Dearborn Savings Bank that provides various financial services. The company offers checking accounts, savings accounts, certificate of deposits, and IRA accounts, as well as residential, residential construction, home equity, business loans. DSA Financial Corporation was incorporated in 2004 and is based in Lawrenceburg, Indiana.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/18 00:02|
|End of Day Share Price||2020/02/13 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.