Dacotah Banks Inc DBIN

FinancialsBanking ServicesUnited States of America

Last close 55.86 USD on Nov 2, 2026, +39.8% year to date

Quant rating

Quant rating D Rank 651 of 799 in Financials

Growth D 609 of 799
Valuation C 415 of 799
Quality D 653 of 799
Revisions D 617 of 799
Momentum B 245 of 799

Historical valuation

Multiples use consensus estimates for the next twelve months. The dashed line is the 5-year average.

Key data

Market cap: 798M
Enterprise value: 784M
52-week range: 38.00 – 60.00
3-year range: 29.50 – 60.00
Dividend yield: 1.44%
Beta (5 years): 0.00
Shares outstanding: 14.3M
Next earnings: –

About the company

Dacotah Banks, Inc. is the holding company of Dacotah Bank, which operates 33 full-service locations in South Dakota, North Dakota, and Minnesota. Its personal banking services include checking and debit, saving, loans, credit cards, debit cards, pre-paid cards, youth banking, mobile app, online banking, card control center, and automated teller machines (ATMs) and interactive teller machines (ITMs). Its business banking services include agricultural, small business, commercial, corporate banking, checking and debit, saving, treasury management, card solutions, loans, online business banking, and mobile app. In addition to providing traditional banking services to over 60,000 customers, insurance clients are served by nearly 50 producers, account managers, and administrative professionals in 14 Trusted Choice agency offices. It is also engaged in full-service real estate lending, including in-house loan servicing.

Growth and profitability fiscal year ends December 31

Growth and profitability by fiscal year
	2025	2024	2023	2022	2021	5Y avg
Revenue (mil)	254	224	173	125	118	–
Revenue growth	13.3%	29.3%	38.8%	5.5%	−0.3%	16.4%
EPS (basic, normalized)	4.20	2.66	2.33	3.63	3.36	–
EPS growth	58.0%	14.1%	−35.7%	7.9%	27.5%	9.8%
Gross margin	–	–	–	–	–	–
Net margin	18.4%	13.3%	15.1%	32.6%	31.9%	22.3%
ROE	–	–	–	–	–	–

Balance sheet, last quarter
Cash & short-term investments (mil)	–
Tier 1 risk-adjusted capital ratio	11.4%
Long-term debt (mil)	0
Net debt (mil)	–
Total equity (mil)	488
Net debt / equity	–

Estimates and valuation

Consensus estimates and implied multiples
	Sales (mil)			Book value per share			EPS
Fiscal year	Mean est.	Growth	EV/Sales	Mean est.	Growth	P/B	Mean est.	Growth	P/E
2025 actual	254	+13.3%	3.1x	–	–	–	–	–	–

Estimate revisions

Change in consensus estimates over 1, 3 and 6 months
	Sales				EPS
Fiscal year	Estimate (mil)	1M	3M	6M	Estimate	1M	3M	6M
2026	–	–	–	–	–	–	–	–
2027	–	–	–	–	–	–	–	–
2028	–	–	–	–	–	–	–	–

Earnings surprises

Reported results versus consensus, last 10 fiscal quarters
	FQ-9	FQ-8	FQ-7	FQ-6	FQ-5	FQ-4	FQ-3	FQ-2	FQ-1	FQ0
Sales reported (mil)	–	–	–	–	–	–	–	–	–	–
Sales mean (mil)	–	–	–	–	–	–	–	–	–	–
Surprise	–	–	–	–	–	–	–	–	–	–
EPS reported	–	–	–	–	–	–	–	–	–	–
EPS mean	–	–	–	–	–	–	–	–	–	–
Surprise	–	–	–	–	–	–	–	–	–	–

FQ0 is the most recent reported quarter, FQ-1 the one before, and so on.

Peer comparison Banking Services

Peers in the same industry group, by market capitalization
Company	Market cap	Tier 1 ratio	Net margin	Deposits/loans	FY1 P/E	FY2 P/E	FY1 P/B	FY2 P/B
DBIN Dacotah Banks Inc	798M	11.4%	18.4%	1.10x	–	–	–	–
WBHC Wilson Bank Holding Co	2.5B	14.3%	23.2%	1.22x	–	–	–	–
SFNC Simmons First National Corporation	3.4B	11.6%	−32.0%	1.17x	11.5x	10.3x	1.0x	0.9x
BFC Bank First Corp	1.7B	11.3%	32.1%	1.04x	16.3x	14.1x	2.0x	1.8x
ESQ Esquire Financial Holdings Inc	1.5B	14.2%	36.5%	1.19x	17.6x	14.2x	2.1x	1.8x
WABC Westamerica Bancorp	1.4B	22.9%	50.3%	6.77x	13.2x	12.4x	1.6x	1.5x
Mean		14.3%	21.4%	2.08x	14.7x	12.7x	1.7x	1.5x
Median		12.9%	27.6%	1.18x	14.8x	13.3x	1.8x	1.7x

Technical analysis

1M0.0%
3M+10.2%
1Y+45.8%
3Y+67.3%

Financial statements in millions of USD

Income statement in millions of USD, fiscal years

Income statement, Dacotah Banks Inc, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Interest income	254	224	173	125	118	119
Total interest expense	92.9	94.3	56.5	9.1	7.0	15.2
Net interest income	161	130	117	116	111	103
Loan loss provision	6.0	2.1	0.9	−2.0	−0.6	8.8
Net interest income after loan loss provision	155	128	116	118	112	94.6
Non-interest income	34.2	24.9	25.8	26.7	26.6	24.3
Non-interest expense	−132	−119	−111	−92.5	−89.8	−80.2
Net income before taxes	57.0	33.5	31.1	51.8	48.7	38.7
Provision for taxes	10.3	3.7	4.9	11.1	11.0	9.1
Minority interest & equity in affiliates	–	–	–	–	–	–
Other	0	0	0	0	0	0
Net income before extraordinary items	46.8	29.7	26.2	40.7	37.7	29.6
Extraordinary items	–	–	–	–	–	–
Net income	46.8	29.7	26.2	40.7	37.7	29.6
Basic weighted average shares (mil)	11.1	11.2	11.2	11.2	11.2	11.2
Diluted weighted average shares (mil)	11.1	11.2	11.2	11.2	11.2	11.2
Basic EPS excluding extraordinary items	4.20	2.66	2.33	3.63	3.36	2.64
Basic EPS, normalized	4.20	2.66	2.33	3.63	3.36	2.64

Balance sheet in millions of USD, fiscal years

Balance sheet, Dacotah Banks Inc, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Assets
Cash & due from banks	82.2	67.4	87.3	80.9	59.9	75.7
Other earning assets	684	645	825	689	926	654
Net loans	3,921	3,578	3,095	2,700	2,295	2,262
Property, plant & equipment	58.7	56.6	59.0	57.7	53.8	55.1
Goodwill	10.2	10.2	10.2	10.2	10.2	10.2
Intangibles	5.0	5.1	5.6	5.2	3.8	3.0
Long-term investments	–	–	–	–	–	–
Other long-term assets	15.5	19.0	18.6	23.9	10.8	9.7
Other assets	69.4	69.8	63.6	40.1	33.9	34.1
Total assets	4,846	4,452	4,164	3,607	3,393	3,103
Liabilities
Accounts payable	13.8	15.8	11.4	2.4	1.8	3.7
Payable/accrued	–	–	–	–	–	–
Accrued expenses	46.3	39.3	37.1	32.2	30.9	27.1
Total deposits	4,320	3,936	3,726	3,120	2,973	2,699
Other bearing liabilities	–	48.1	0	4.0	9.0	17.0
Short-term borrowings	–	–	0	85.3	–	–
Current portion of long-term debt	–	–	–	–	–	–
Long-term debt	0	0	0	0	0	0
Minority interest	–	–	–	–	–	–
Other liabilities	1.9	1.8	1.7	4.7	1.4	2.7
Total liabilities	4,382	4,041	3,777	3,249	3,016	2,749
Shareholders' equity
Preferred stock	–	–	–	–	–	–
Common stock	57.1	57.1	57.1	57.1	57.1	57.1
Additional paid-in capital	27.7	26.8	26.1	24.9	21.5	20.0
Retained earnings (accumulated deficit)	434	394	371	353	321	290
Treasury stock	−34.5	−28.5	−26.4	−23.6	−21.5	−19.2
Other equity	−20.5	−38.5	−40.8	−53.4	−1.4	5.8
Total equity	464	411	388	358	377	354
Total liabilities & shareholders' equity	4,846	4,452	4,164	3,607	3,393	3,103

Cash flow statement in millions of USD, fiscal years

Cash flow statement, Dacotah Banks Inc, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Operating activities
Net income	46.8	29.7	26.2	40.7	37.7	29.6
Depreciation, depletion & amortization	5.1	5.3	6.4	7.0	7.6	5.8
Deferred taxes	−1.3	−1.0	1.9	0.8	0.8	−1.7
Non-cash items	−1.1	0	0.7	3.8	0	1.1
Changes in working capital	7.4	0.9	−15.2	−7.3	−4.5	9.6
Cash from operations	56.8	35.0	20.0	45.0	41.6	44.4
Investing activities
Capital expenditures	−8.5	−3.3	−6.3	−7.2	−4.4	−6.1
Other investing cash flows	−335	−453	−362	−540	−299	−168
Cash from investing	−343	−456	−369	−548	−304	−175
Financing activities
Financing cash flow items	336	257	517	227	266	319
Cash dividends paid	−6.9	−6.7	−7.9	−8.6	−6.7	−6.1
Issuance (retirement) of debt, net	–	–	–	–	–	–
Other financing cash flows	−5.1	−1.4	−2.2	−2.5	−0.8	−1.1
Cash from financing	324	249	507	216	259	312
Foreign exchange effects	–	–	–	–	–	–
Net change in cash	37.5	−172	158	−287	−3.3	181
Free cash flow	48.3	31.6	13.7	37.8	37.2	38.2

Disclaimer

The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.

This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.

QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.

Live quote provided by TradingView. Report data updated Nov 2, 2026 after market close.