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Dacotah Banks Inc (DBIN) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Dacotah Banks Inc stock $37.23, price $56.00, that is 33.5% below the price, quality 57 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

DB Dacotah Banks Inc logo Some data Nov 7, 2026

Dacotah Banks Inc

DBIN · US
Solid, but expensive

Our calculation puts a fair price 34% below what the stock costs today.

Highly profitable · 24.5% net margin (TTM)
1.2% dividend yield · Low payout
Quality 57/100
Mixed Growth (revenue 5y +8.9 %/yr in USD)
Wide moat 66/100 · thin data
Some data
Fair value $37.23 · Overvalued (−33.5%)
Trails peers (3/13)
⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$56.00 $19.89 Fair Value $37.23 Aug 2015 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range $19.89 – $56.00 · fair‑value band $34.60 – $43.08 · the $56.00 price screens above the $37.23 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

Dacotah Banks, Inc. operates as the bank holding company for Dacotah Bank that provides various banking products and services in Minnesota, North Dakota, and South Dakota.

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The company offers personal banking services, including checking and debit accounts, savings accounts, loans, credit and debit cards, prepaid cards, youth banking, and a mobile app, as well as online banking.

It also provides business banking services, such as agricultural, small business, commercial, and corporate banking services; and treasury management services, as well as card solutions. In addition, the company offers mortgage loans and programs, as well as insurance products and services.

Further, it provides trust and estate services comprising trust and estate planning, trustee, estate settlement, farm and ranch management, and elder care services. Additionally, it offers wealth management services consisting of financial planning, charitable planning, and retirement planning.

The company was founded in 1955 and is headquartered in Aberdeen, South Dakota.

Stock analysis

Dacotah Banks Inc (DBIN) currently trades at $56.00, while our model-based Fair Value estimate is $37.23, 34% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $49.81 per share, and 0 of the 6 models we run sit above the $56.00 price.

Bear case: the Dividend Discount group reads lowest at $8.02, and 6 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $34.60 (bear) to $43.08 (bull), the price of $56.00 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Dacotah Banks Inc reported revenue of $195M in FY2025 versus $138M in FY2021, a compound +9.1%/yr. Reported net income was $46.8M in FY2025, compounding +5.5%/yr from FY2021.

Key figures

Market cap $616M Small · P/E ratio 12.7 · P/S ratio 3.10 · EPS (TTM) $4.40 · Dividend yield 1.2% · Net margin 24.5% · Return on equity 10.5% · Return on assets (EBIT) 1.5% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 66 out of 100 (low confidence).

What moves the price

The share trades at its 52-week high and 49% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −34%, DBIN screens richer than that median.

Fair Value models

Bear $34.60 Fair Value $37.23 Bull $43.08
Price $56.00 · Downside -33.5%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($3.18 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $34.60 $37.23 $43.08 76
Gordon GGM $4.74 $8.43 $11.48 68
DDM Multi-Stage $4.74 $7.61 $9.02 67
All 6 models by family
Dividend Discount
Gordon GGM $4.74 $8.43 $11.48 68
DDM Multi-Stage $4.74 $7.61 $9.02 67
Multiples
P/E Multiple $41.04 $54.72 $68.40 63
P/B Multiple $33.67 $44.89 $56.11 55
Asset-Based
NCAV (Graham) $20.21 $27.09 $40.43 54
Economic Profit
Residual Income $34.60 $37.23 $43.08 76

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Quality Score breakdown

Overall quality 57/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 34
How much profit the company makes from its sales and capital
Quality Growth 52
Are margins and returns getting better?
Cashflow 82
Do the profits arrive as real cash?
Financial strength 8
Debt, balance sheet and risk of trouble
Investment 63
Does it invest with discipline instead of growing at any price?
Low Volatility 73
How calm the share price moves, does not count
Price momentum 80
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 100
Distance to the 52-week high, does not count
New shares 91
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 75/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+26.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.9%
Start year 2020 (pandemic). Over 10 years: +7.4% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.9%
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+7.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+6.0%
Dividend (yield on the price)1.2%
2025 sits 59% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

DBIN screens overvalued: fair value 34% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks

Beats the industry median on 3/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 57 · Above median
Fair Value upside −33.5% · Below median
Profitability
Return on equity (12 months) 10.5% · Below median
Return on assets 1.0% · Below median
Net margin (12 months) 24.5% · Below median
Operating margin (12 months) 35.9% · Below median
Growth and dividend
Revenue growth (quarter YoY) 4.3% · Below median
Dividend yield (12 months) 1.2% · Bottom 25%
Balance sheet
Debt / equity 0.01× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 12.7× · Pricier than median
P/B 1.33× · Pricier than median
P/S (12 months) 3.10× · Cheaper than median
Price / free cash flow (fiscal year) 12.8× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)22 · sector 47
PAST (return on equity)42 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)24 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs DBIN
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs DBIN
BNP Paribas SA BNP €91.93 €106.01 +15% vs DBIN
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs DBIN
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs DBIN
UniCredit S.p.A UCG €76.80 €50.44 −34% vs DBIN
Mizuho Financial Group MFG $9.40 $5.90 −37% vs DBIN
DBS Group D05 69.72 SGD 40.39 SGD −42% vs DBIN
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs DBIN
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs DBIN

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Dacotah Banks Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Dacotah Banks Inc Fair Value". https://www.fairvalue-calculator.com/stock/DBIN

Frequently asked questions

Is Dacotah Banks Inc (DBIN) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $37.23 versus a price of $56.00, about 34% lower (overvalued).
What is the fair value of DBIN?
Our model-based fair value for Dacotah Banks Inc is $37.23 (as of Nov 7, 2026), built from audited fundamentals. The current price: $56.00.
What is the quality score of DBIN?
Dacotah Banks Inc has a Quality Score of 57/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Dacotah Banks Inc (DBIN)?
Our model-based price target is the fair value of $37.23 (as of Nov 7, 2026) from 6 valuation models. Cautious scenario $34.60, optimistic scenario $43.08. It is a calculation from audited fundamentals, not an analyst target.
What is the Dacotah Banks Inc stock forecast for 2026?
Our models put fair value at $37.23, about 34% lower versus a price of $56.00 (overvalued). Cautious scenario $34.60, optimistic scenario $43.08. The calculation is refreshed regularly with new filings.
What is the revenue of Dacotah Banks Inc (DBIN)?
Dacotah Banks Inc reported trailing-twelve-month revenue of about $199M (latest available figure, as of Nov 7, 2026).
Does Dacotah Banks Inc pay a dividend?
Dacotah Banks Inc currently shows a dividend yield of 1.21% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Dacotah Banks Inc (DBIN) and when is the ex-dividend date?
Dacotah Banks Inc pays a dividend of $0.68 per share a year, a dividend yield of 1.2%. The last ex-dividend date was Sep 1, 2026. A dividend has been paid every year since 2013. The payout ratio is 15.5% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Dacotah Banks Inc (DBIN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Dacotah Banks Inc it is $37.23 per share (as of Nov 7, 2026), against a price of $56.00. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Dacotah Banks Inc stock overvalued or undervalued in 2026?
As of Nov 7, 2026, DBIN trades above its calculated fair value: price $56.00, fair value $37.23, a gap of about −34% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of DBIN?
No. The price is what the market pays today ($56.00); the fair value is what the company's own numbers justify ($37.23). For Dacotah Banks Inc the two are $18.77 per share apart. That gap is exactly why we show both numbers side by side.
How much is Dacotah Banks Inc worth?
The market values Dacotah Banks Inc at about $616M (market capitalisation, as of Nov 7, 2026). Per share that is $56.00; our models calculate a fair value of $37.23 per share.
What do the bullish and bearish scenarios say about DBIN?
Our models span a range for Dacotah Banks Inc: cautious scenario $34.60, base $37.23, optimistic $43.08 per share (as of Nov 7, 2026, price $56.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of DBIN?
Dacotah Banks Inc trades at a price-to-earnings ratio of 12.7 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $37.23 is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2017 to 2025), reported earnings: 12.5. Other multiples: P/B 1.3, P/S 3.1.
How solid is the balance sheet of Dacotah Banks Inc (DBIN)?
Balance-sheet figures for Dacotah Banks Inc (as of Nov 7, 2026): return on equity 10.5%, debt of 0.01 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is DBIN from its 52-week high?
Dacotah Banks Inc trades at $56.00, at its 52-week high of $56.00 and 49% above the low of $37.68 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $37.23 is for.
Which stocks are comparable to Dacotah Banks Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Dacotah Banks Inc stock attractive at the current price?
The data as of Nov 7, 2026: price $56.00, calculated fair value $37.23 (−34%), Quality Score 57/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of DBIN calculated?
We run Dacotah Banks Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $37.23 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Dacotah Banks Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Dacotah Banks Inc (DBIN)?
The closing price on Nov 6, 2026 was $56.00. Our model-based fair value is $37.23, about 34% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Dacotah Banks Inc right now?
The price sits above even our optimistic bull case ($43.08). The favourable scenario is already priced in. Solid but not exceptional quality (57/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Dacotah Banks Inc

How large is the market capitalisation of Dacotah Banks Inc (DBIN)?
The market capitalisation of Dacotah Banks Inc is $616M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Dacotah Banks Inc (DBIN)?
The price-to-sales ratio of Dacotah Banks Inc is 3.10 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Dacotah Banks Inc (DBIN)?
Earnings per share at Dacotah Banks Inc are $4.40 (price ÷ EPS = P/E 12.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Dacotah Banks Inc (DBIN)?
The dividend yield of Dacotah Banks Inc is 1.2% (payout 15.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Dacotah Banks Inc (DBIN)?
The net margin of Dacotah Banks Inc is 24.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Dacotah Banks Inc (DBIN)?
The return on equity (ROE) of Dacotah Banks Inc is 10.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Dacotah Banks Inc (DBIN)?
On an EBIT basis the return on assets of Dacotah Banks Inc is 1.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Dacotah Banks Inc (DBIN)?
The operating margin of Dacotah Banks Inc is 35.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Dacotah Banks Inc (DBIN)?
Revenue at Dacotah Banks Inc is growing +4.3% versus a year earlier (3y avg +11.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Dacotah Banks Inc (DBIN)?
Earnings per share at Dacotah Banks Inc are growing +11.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Dacotah Banks Inc (DBIN) generate?
The free cash flow of Dacotah Banks Inc is $48.3M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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