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
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	9.17	6.56	9.84	9.87	8.71	10.32	11.08	7.02	7.44	10.68
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 (%)	- -	7.4	4.76	7.99	7.96	6.92	8.48	8.73	4.91	5.76	9.1

Credit (USD)

Credit Ratios API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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	10.79	11.32	11.38	11.48	12.08	11.4	11.1	9.93	9.31	9.24	9.58
Long-Term Debt/Equity (%)	18.26	14.61	11.68	10.82	6.74	4.81	2.39	1.12	- -	- -	- -
Long-Term Debt/Capital (%)	15.44	12.75	10.46	9.76	6.32	4.59	2.33	1.1	- -	- -	- -
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 (%)	15.44	12.75	10.46	9.76	6.32	4.59	2.33	1.1	- -	- -	- -
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 (%)	-26.13	-13.69	-18.6	-85.95	-122.55	3,056.15	-4,527.06	-32.09	-173.97	-21.77	-30.63
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)

Liquidity Ratios API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.79	11.32	11.38	11.48	12.08	11.4	11.1	9.93	9.31	9.24	9.58
Long-Term Debt/Equity (%)	18.26	14.61	11.68	10.82	6.74	4.81	2.39	1.12	- -	- -	- -
Long-Term Debt/Capital (%)	15.44	12.75	10.46	9.76	6.32	4.59	2.33	1.1	- -	- -	- -
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 (%)	15.44	12.75	10.46	9.76	6.32	4.59	2.33	1.1	- -	- -	- -
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	0.21	0.23

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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)

Enterprise Value API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	271	315	369	570	382	297	414	385	380	375	440
- 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	17	93	198	-45	-346	-493	-307	-455	301	265
Total Capital	285	298	306	328	348	371	386	362	388	411	464
Total Debt/Capital (%)	15.44	12.75	10.46	9.76	6.32	4.59	2.33	1.1	- -	- -	- -
Total Debt / EV	0.2	2.2	0.34	0.16	-0.49	-0.05	-0.02	-0.01	- -	- -	- -
EV/Sales	2.26	0.17	0.86	1.8	- -	- -	- -	- -	- -	1.95	1.36
EV/EBITDA	40.81	2.8	19.03	42.6	- -	- -	- -	- -	- -	54.91	52.29
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	8.81	0.57	2.95	5.82	- -	- -	- -	- -	- -	8.61	4.66
EV/Free Cash Flow to Firm	7.69	0.52	2.52	5.42	- -	- -	- -	- -	- -	7.87	4.06
Diluted Market Cap	271	313	368	569	381	298	415	384	381	376	445
Diluted Enterprise Value	221	282	325	433	201	-68	47	297	135	302	336
EV per Share	19.99	1.55	8.3	17.76	- -	- -	- -	- -	- -	27.03	24.07
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)

Valuation Multiples API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	9.42	9.37	9.97	15.56	7.74	5.89	9.03	7.36	14.48	9.82	6.82
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	221	17	93	198	-45	-346	-493	-307	-455	301	265
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	2.26	0.17	0.86	1.8	- -	- -	- -	- -	- -	1.95	1.36
EV/EBITDA	40.81	2.8	19.03	42.6	- -	- -	- -	- -	- -	54.91	52.29
Price/Earnings	12.76	13.65	21.02	20.32	12.41	10.05	11.01	9.44	14.58	12.64	9.51
Price/Earnings Average	12.63	13.07	19.3	13.46	12.69	11.22	9.68	9.89	14.87	12.11	8.51
Price/Earnings High	13.8	14.98	28.66	21.92	19.71	13.28	11.01	11.03	19.72	13.83	10.36
Price/Earnings Low	11.04	11.84	17.85	12.39	11.71	9.1	7.89	9.36	13.1	11.09	7.88
Price/Book Value	1.13	1.21	1.35	1.93	1.17	0.84	1.1	1.07	0.98	0.91	0.95
Price/Book Value Average	1.11	1.16	1.24	1.28	1.2	0.94	0.97	1.12	1	0.87	0.85
Price/Book Value High	1.22	1.33	1.84	2.08	1.86	1.11	1.1	1.25	1.33	1	1.03
Price/Book Value Low	0.97	1.05	1.14	1.17	1.11	0.76	0.79	1.06	0.88	0.8	0.78
Price/Tangible Book Value	1.17	1.25	1.39	1.98	1.2	0.87	1.14	1.12	1.02	0.95	0.98
Price/Tangible Book Value Average	1.15	1.2	1.28	1.31	1.23	0.98	1	1.18	1.04	0.91	0.88
Price/Tangible Book Value High	1.26	1.37	1.9	2.14	1.91	1.15	1.14	1.31	1.38	1.04	1.07
Price/Tangible Book Value Low	1.01	1.09	1.18	1.21	1.13	0.79	0.82	1.11	0.92	0.83	0.81
Price/Sales	2.76	3.05	3.43	5.15	3.29	2.33	3.01	2.7	2.68	2.43	2.28
Price/Sales Average	2.74	2.92	3.15	3.41	3.36	2.6	2.65	2.83	2.73	2.33	2.04
Price/Sales High	2.99	3.34	4.67	5.56	5.22	3.08	3.01	3.15	3.62	2.66	2.48
Price/Sales Low	2.39	2.64	2.91	3.14	3.1	2.11	2.16	2.68	2.41	2.13	1.89
Price/Cash Flow	10.78	10.25	11.69	16.71	10.21	6.71	9.98	8.54	19.06	10.75	7.83
Price/Cash Flow Average	10.67	9.82	10.74	11.07	10.44	7.49	8.77	8.94	19.45	10.3	7.01
Price/Cash Flow High	11.66	11.25	15.94	18.02	16.21	8.86	9.98	9.97	25.79	11.77	8.53
Price/Cash Flow Low	9.33	8.89	9.93	10.19	9.64	6.07	7.15	8.47	17.13	9.43	6.49
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	6.1
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	7.42
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	5.65
EV/Sales Average	2.23	2.63	2.76	2.18	1.82	- -	- -	2.22	1	1.85	1.46
EV/Sales High	2.48	3.05	4.29	4.32	3.69	0.21	0.33	2.54	1.88	2.17	1.89
EV/Sales Low	1.88	2.35	2.52	1.91	1.56	- -	- -	2.07	0.67	1.65	1.31
EV/EBITDA Average	40.31	43.68	60.66	51.72	46.23	-5.76	-0.54	44.99	22.24	52.05	56.18
EV/EBITDA High	44.89	50.77	94.35	102.61	93.57	4.68	6.05	51.62	42.07	61.35	73.01
EV/EBITDA Low	34.07	39.07	55.42	45.25	39.66	-16.53	-9.44	41.93	14.98	46.52	50.41
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	219	270	296	241	211	-34	-4	316	142	285	285
Enterprise Value High	244	314	460	478	427	27	46	362	269	336	370
Enterprise Value Low	185	242	270	211	181	-96	-72	294	96	255	255

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	11
Basic Weighted Avg Shares	11	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	17.54
EBITDA per Share	0.49	0.56	0.44	0.42	0.41	0.52	0.68	0.63	0.57	0.49	0.45
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	4.2
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	4.2
Diluted EPS, GAAP	1.92	2.07	1.57	2.51	2.74	2.64	3.36	3.63	2.33	2.66	4.2
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	4.2
Dividend per Share	0.36	0.4	0.43	0.47	0.53	0.54	0.6	0.77	0.7	0.6	0.62
Cash Flow per Share	2.27	2.76	2.82	3.05	3.33	3.95	3.71	4.01	1.78	3.13	5.1
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	4.34
Cash & Equivalents per Share	8.48	30.11	27.56	36.12	39.92	58.86	81.78	61.94	74.67	6.6	15.88
Book Value per Share	21.76	23.35	24.5	26.48	29.04	31.51	33.63	31.88	34.65	36.93	42.19
Tangible Book Value per Share	21.01	22.57	23.73	25.7	28.3	30.33	32.37	30.51	33.23	35.56	40.81

Dacotah Banks, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)