Critical Review: Dacotah Banks (DBIN) & The Competition

Valuation & Earnings

This table compares Dacotah Banks and its competitors top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Dacotah Banks	$199.04 million	$26.17 million	14.46
Dacotah Banks Competitors	$2.20 billion	$335.50 million	16.97

Dacotah Banks’ competitors have higher revenue and earnings than Dacotah Banks. Dacotah Banks is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Volatility and Risk

Dacotah Banks has a beta of 0.38, suggesting that its share price is 62% less volatile than the S&P 500. Comparatively, Dacotah Banks’ competitors have a beta of 0.69, suggesting that their average share price is 31% less volatile than the S&P 500.

Institutional and Insider Ownership

54.2% of shares of all “State commercial banks” companies are owned by institutional investors. 10.7% of shares of all “State commercial banks” companies are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Dividends

Dacotah Banks pays an annual dividend of $0.60 per share and has a dividend yield of 1.7%. Dacotah Banks pays out 25.1% of its earnings in the form of a dividend. As a group, “State commercial banks” companies pay a dividend yield of 2.1% and pay out 30.6% of their earnings in the form of a dividend.

Profitability

This table compares Dacotah Banks and its competitors’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Dacotah Banks	11.04%	N/A	N/A
Dacotah Banks Competitors	16.86%	9.90%	0.91%

Summary

Dacotah Banks competitors beat Dacotah Banks on 10 of the 11 factors compared.

Dacotah Banks Company Profile

Dacotah Banks, Inc. provides various banking and financial products and services to individuals and businesses. The company provides demand and certificates of deposit; checking, individual retirement, health savings, and money market accounts; and commercial, commercial real estate, residential mortgage, and consumer loans. It also offers vehicle, boat, motorhome, mortgage, camper, motorcycle, snowmobile, jet SKI, and ATV loans; and unsecured, overdraft protection, and student loans; business, term, and small business administration loans, and other loans. In addition, the company provides credit, debit, and gift cards; mobile and online banking; auto, homeowner, health, and life insurance products; and estate, and trust services. Further, the company offers retirement planning, investment management, foundation, endowment, bill paying, charitable giving, and elder care services, as well as cash management services. Additionally, it provides offers operating lines of credit, state and federal programs, and equipment loans and leases. It also provides crop, homeowner, health, life, farm, and ranch insurance services; and farm and ranch management services. The company operates across various locations in Minnesota, North Dakota, and South Dakota. Dacotah Banks, Inc. was founded in 1955 and is headquartered in Aberdeen, South Dakota.