Dacotah Banks, Inc. Financial Ratios — DBIN Stock

Profitability (USD)

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	9.04	6.49	9.74	9.86	8.82	10.39	10.33	6.24	6.76	9.92
Return on Assets (%)	- -	1.01	0.74	1.12	1.16	1.02	1.16	1.16	0.67	0.69	1.01
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	5.53	6.01	4.54	4.21	3.94	4.56	5.51	4.93	4.48	3.54	2.59
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	34.23	34.36	33.6	32.92	33.87	30.31	35.28	36.41	21.81	21.64	29.2
Profit Margin (%)	21.66	22.33	16.31	25.36	26.49	23.17	27.34	28.59	18.36	19.22	23.94
Net Income to Common Margin (%)	21.66	22.33	16.31	25.36	26.49	23.17	27.34	28.59	18.36	19.22	23.94
Effective Tax Rate (%)	36.74	35.03	51.46	22.97	21.79	23.55	22.52	21.48	15.8	11.18	18
Dvd Payout Ratio (%)	18.77	19.33	27.38	18.75	19.34	20.5	17.83	21.2	30.02	22.58	14.75
Sustainable Growth Rate (%)	- -	7.29	4.71	7.92	7.95	7.02	8.54	8.14	4.37	5.23	8.45

Credit (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	44	38	32	32	22	17	9	4	- -	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	44	38	32	32	22	17	9	4	- -	- -	- -
Total Debt/EBITDA	8.11	6.15	6.56	6.87	4.82	2.92	1.18	0.57	- -	- -	- -
Net Debt/EBITDA	-9.2	-5.06	-8.81	-29.37	-39.37	-62.8	-48.53	-12.4	-38.55	-13.41	-21.49
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.96	11.47	11.47	11.6	11.98	11.19	11.15	11.37	10.29	10.14	10.14
Long-Term Debt/Equity (%)	18.26	14.61	11.68	10.82	6.74	4.81	2.39	1.12	- -	- -	- -
Long-Term Debt/Capital (%)	15.23	12.61	10.38	9.67	6.36	4.67	2.32	0.97	- -	- -	- -
Long-Term Debt/Total Assets (%)	1.97	1.65	1.33	1.24	0.81	0.55	0.27	0.11	- -	- -	- -
Total Debt/Equity (%)	18.26	14.61	11.68	10.82	6.74	4.81	2.39	1.12	- -	- -	- -
Total Debt/Capital (%)	15.23	12.61	10.38	9.67	6.36	4.67	2.32	0.97	- -	- -	- -
Total Debt/Total Assets (%)	1.97	1.65	1.33	1.24	0.81	0.55	0.27	0.11	- -	- -	- -
Net Debt to Equity	-20.72	-12.04	-15.68	-46.22	-55.07	-103.38	-97.84	-24.3	-63.5	-17.88	-23.45
Net Debt/Capital (%)	-25.61	-13.49	-18.41	-84.27	-124.77	1,981.4	-3,821.53	-26.92	-134.83	-19.46	-28.45
EBITDA	5	6	5	5	5	6	8	7	6	5	5
EBITDA-CapEx	2	3	-1	2	-7	- -	3	- -	- -	2	-3
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.96	11.47	11.47	11.6	11.98	11.19	11.15	11.37	10.29	10.14	10.14
Long-Term Debt/Equity (%)	18.26	14.61	11.68	10.82	6.74	4.81	2.39	1.12	- -	- -	- -
Long-Term Debt/Capital (%)	15.23	12.61	10.38	9.67	6.36	4.67	2.32	0.97	- -	- -	- -
Long-Term Debt/Total Assets (%)	1.97	1.65	1.33	1.24	0.81	0.55	0.27	0.11	- -	- -	- -
Total Debt/Equity (%)	18.26	14.61	11.68	10.82	6.74	4.81	2.39	1.12	- -	- -	- -
Total Debt/Capital (%)	15.23	12.61	10.38	9.67	6.36	4.67	2.32	0.97	- -	- -	- -
Total Debt/Total Assets (%)	1.97	1.65	1.33	1.24	0.81	0.55	0.27	0.11	- -	- -	- -
CFO/Total Liabilities	1.26	1.5	1.48	1.49	1.57	1.61	1.38	1.39	0.53	0.87	1.3
CFO/CapEx	6.89	10.59	5.8	13.56	3.14	7.25	9.53	6.24	3.16	10.5	6.72
Altman's Z-Score	0.28	0.26	0.28	0.32	0.28	0.24	0.26	0.25	0.22	0.22	0.17

Working Capital (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	4.73	4.56	4.25	4.13	4.8	5.95	5.88	4.54	3.88	4.45
Days Sales Outstanding	- -	77.09	80.12	85.89	88.39	76.06	61.36	62.06	80.43	93.95	82.02
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	271	313	368	569	381	298	415	384	381	376	- -
- Cash & Cash Equivalents	94	69	75	169	202	383	378	91	246	74	109
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	44	38	32	32	22	17	9	4	- -	- -	- -
Enterprise Value	221	16	92	198	-46	-346	-492	-307	-454	302	-175
Total Capital	289	301	308	331	346	364	387	414	429	452	491
Total Debt/Capital (%)	15.23	12.61	10.38	9.67	6.36	4.67	2.32	0.97	- -	- -	- -
Total Debt / EV	0.2	2.36	0.35	0.16	-0.48	-0.05	-0.02	-0.01	- -	- -	- -
EV/Sales	2.25	0.16	0.86	1.79	- -	- -	- -	- -	- -	1.95	- -
EV/EBITDA	40.77	2.61	18.85	42.52	- -	- -	- -	- -	- -	55.13	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	8.8	0.53	2.92	5.81	- -	- -	- -	- -	- -	8.65	- -
EV/Free Cash Flow to Firm	7.68	0.48	2.49	5.41	- -	- -	- -	- -	- -	7.9	- -
Diluted Market Cap	271	313	368	569	381	298	415	384	381	376	- -
Diluted Enterprise Value	221	282	325	433	201	-68	47	297	135	302	-109
EV per Share	19.99	1.45	8.24	17.73	- -	- -	- -	- -	- -	27.05	- -
TTM Sales	98	103	107	110	116	128	138	142	142	155	195
TTM EBITDA	5	6	5	5	5	6	8	7	6	5	5
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	25	31	31	34	37	44	42	45	20	35	57
TTM Free Cash Flow to Firm	29	33	37	37	49	50	46	52	26	38	65

Multiples (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	9.42	9.37	9.97	15.56	7.74	5.89	9.03	7.36	14.48	9.82	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	221	16	92	198	-46	-346	-492	-307	-454	302	-175
Low Price	21.2	24.5	28.02	31.1	32.1	24	26.5	33.95	30.55	29.5	33.1
EV/Sales	2.25	0.16	0.86	1.79	- -	- -	- -	- -	- -	1.95	- -
EV/EBITDA	40.77	2.61	18.85	42.52	- -	- -	- -	- -	- -	55.13	- -
Price/Earnings	12.76	13.65	21.02	20.32	12.41	10.05	11.01	9.44	14.58	12.64	- -
Price/Earnings Average	12.63	13.07	19.3	13.46	12.69	11.22	9.68	9.89	14.87	12.11	- -
Price/Earnings High	13.8	14.98	28.66	21.92	19.71	13.28	11.01	11.03	19.72	13.83	- -
Price/Earnings Low	11.04	11.84	17.85	12.39	11.71	9.1	7.89	9.36	13.1	11.09	- -
Price/Book Value	1.11	1.19	1.33	1.9	1.18	0.86	1.1	0.94	0.89	0.83	- -
Price/Book Value Average	1.1	1.14	1.22	1.26	1.2	0.96	0.97	0.98	0.91	0.8	- -
Price/Book Value High	1.2	1.31	1.82	2.05	1.87	1.13	1.1	1.09	1.2	0.91	- -
Price/Book Value Low	0.96	1.03	1.13	1.16	1.11	0.78	0.79	0.93	0.8	0.73	- -
Price/Tangible Book Value	1.17	1.25	1.39	1.98	1.2	0.87	1.14	1.12	1.03	0.95	- -
Price/Tangible Book Value Average	1.15	1.19	1.27	1.31	1.22	0.98	1.01	1.17	1.05	0.91	- -
Price/Tangible Book Value High	1.26	1.37	1.89	2.14	1.9	1.15	1.14	1.31	1.39	1.04	- -
Price/Tangible Book Value Low	1.01	1.08	1.18	1.21	1.13	0.79	0.82	1.11	0.92	0.83	- -
Price/Sales	2.76	3.05	3.43	5.15	3.29	2.33	3.01	2.7	2.68	2.43	- -
Price/Sales Average	2.74	2.92	3.15	3.41	3.36	2.6	2.65	2.83	2.73	2.33	- -
Price/Sales High	2.99	3.34	4.67	5.56	5.22	3.08	3.01	3.15	3.62	2.66	- -
Price/Sales Low	2.39	2.64	2.91	3.14	3.1	2.11	2.16	2.68	2.41	2.13	- -
Price/Cash Flow	10.78	10.25	11.69	16.71	10.21	6.71	9.98	8.54	19.06	10.75	- -
Price/Cash Flow Average	10.67	9.82	10.74	11.07	10.44	7.49	8.77	8.94	19.45	10.3	- -
Price/Cash Flow High	11.66	11.25	15.94	18.02	16.21	8.86	9.98	9.97	25.79	11.77	- -
Price/Cash Flow Low	9.33	8.89	9.93	10.19	9.64	6.07	7.15	8.47	17.13	9.43	- -
Price/Free Cash Flow Average	9.32	8.97	9.16	10.31	7.92	6.58	7.94	7.71	14.77	9.41	- -
Price/Free Cash Flow High	10.19	10.28	13.6	16.78	12.29	7.78	9.03	8.6	19.59	10.74	- -
Price/Free Cash Flow Low	8.15	8.12	8.47	9.49	7.31	5.34	6.47	7.3	13.01	8.61	- -
EV/Sales Average	2.23	2.61	2.75	2.18	1.81	- -	- -	2.22	1	1.85	- -
EV/Sales High	2.48	3.04	4.27	4.32	3.67	0.21	0.34	2.54	1.9	2.18	- -
EV/Sales Low	1.88	2.34	2.51	1.9	1.55	- -	- -	2.06	0.68	1.66	- -
EV/EBITDA Average	40.26	43.5	60.5	51.66	45.97	-5.75	-0.47	44.93	22.42	52.26	-21.49
EV/EBITDA High	44.84	50.57	94.1	102.52	93.16	4.7	6.14	51.55	42.31	61.59	-21.49
EV/EBITDA Low	34.03	38.9	55.27	45.2	39.41	-16.52	-9.38	41.88	15.14	46.71	-21.49
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	24.5	28.25	33	51.01	34	26.5	37	34.25	34	33.63	39.95
High Price	26.5	31	45	55.01	54	35	37	40	46.01	36.8	43.5
Enterprise Value Average	218	269	295	240	210	-33	-4	315	143	287	-109
Enterprise Value High	243	313	459	477	425	27	47	362	270	338	-109
Enterprise Value Low	185	241	270	210	180	-96	-71	294	97	256	-109

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	11	11	11	11	11	11	11	11	11	11	11
Diluted Weighted Avg Shares	11	11	11	11	11	11	11	11	11	11	- -
Basic Weighted Avg Shares	11	11	11	11	11	11	11	11	11	11	- -
Revenue per Share	8.87	9.27	9.63	9.9	10.34	11.38	12.29	12.69	12.7	13.84	- -
EBITDA per Share	0.49	0.56	0.44	0.42	0.41	0.52	0.68	0.63	0.57	0.49	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.92	2.07	1.57	2.51	2.74	2.64	3.36	3.63	2.33	2.66	- -
Basic EPS from Cont Ops	1.92	2.07	1.57	2.51	2.74	2.64	3.36	3.63	2.33	2.66	- -
Diluted EPS, GAAP	1.92	2.07	1.57	2.51	2.74	2.64	3.36	3.63	2.33	2.66	- -
Diluted EPS from Cont Ops	1.92	2.07	1.57	2.51	2.74	2.64	3.36	3.63	2.33	2.66	- -
Dividend per Share	0.36	0.4	0.43	0.47	0.53	0.54	0.6	0.77	0.7	0.6	- -
Cash Flow per Share	2.27	2.76	2.82	3.05	3.33	3.95	3.71	4.01	1.78	3.13	- -
Free Cash Flow per Basic Share	1.94	2.5	2.34	2.83	2.27	3.41	3.32	3.37	1.22	2.83	- -
Cash & Equivalents per Share	8.49	30.22	27.62	36.14	40.04	58.85	81.65	62.01	74.45	6.58	- -
Book Value per Share	22.14	23.74	24.76	26.78	28.9	30.92	33.71	36.56	38.2	40.41	- -
Tangible Book Value per Share	21.02	22.65	23.79	25.72	28.39	30.32	32.32	30.54	33.13	35.44	- -

Dacotah Banks, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)