DBIN (Dacotah Banks) Cyclically Adjusted FCF per Share: $3.44 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

DBIN Dacotah Banks Inc DBIN
66 GF Score
Price $50.00
GF Value $47.48
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is Dacotah Banks Cyclically Adjusted FCF per Share?

Dacotah Banks DBIN 66 Cyclically Adjusted FCF per Share is $3.44 as of Mar. 2026. GuruFocus rates DBIN with a GF Score™ of 66/100 and a GF Value™ of $47.48 (Fairly Valued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Dacotah Banks's adjusted free cash flow per share for the three months ended in Mar. 2026 was $0.829. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $3.44 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Dacotah Banks's average Cyclically Adjusted FCF Growth Rate was 10.30% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

As of today (2026-07-31), Dacotah Banks's current stock price is $50.00. Dacotah Banks's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $3.44. Dacotah Banks's Cyclically Adjusted Price-to-FCF of today is 14.53.

During the past 11 years, the highest Cyclically Adjusted Price-to-FCF of Dacotah Banks was 14.09. The lowest was 10.64. And the median was 11.87.


Dacotah Banks  (OTCPK:DBIN) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Dacotah Banks's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=50.00/3.44
=14.53

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 11 years, the highest Cyclically Adjusted Price-to-FCF of Dacotah Banks was 14.09. The lowest was 10.64. And the median was 11.87.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Dacotah Banks Cyclically Adjusted FCF per Share Related Terms


Dacotah Banks Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Dacotah Banks's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Dacotah Banks Cyclically Adjusted FCF per Share Chart

Dacotah Banks Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 3.40

Dacotah Banks Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.12 3.18 3.27 3.40 3.44

DBIN vs BSRR, HBCP, FBIZ: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Dacotah Banks's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Dacotah Banks Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Dacotah Banks's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Dacotah Banks's Cyclically Adjusted Price-to-FCF falls into.


DBIN
66GF Score
Dacotah Banks Inc DBIN
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Dacotah Banks Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Dacotah Banks's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.829/330.2130*330.2130
=0.829

Current CPI (Mar. 2026) = 330.2130.

Dacotah Banks Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201603 0.980 238.132 1.359
201606 -0.055 241.018 -0.075
201609 0.265 241.428 0.362
201612 1.303 241.432 1.782
201703 0.814 243.801 1.103
201706 0.435 244.955 0.586
201709 0.175 246.819 0.234
201712 0.916 246.524 1.227
201803 0.767 249.554 1.015
201806 0.724 251.989 0.949
201809 0.321 252.439 0.420
201812 1.008 251.233 1.325
201903 0.881 254.202 1.144
201906 0.799 256.143 1.030
201909 0.328 256.759 0.422
201912 0.266 256.974 0.342
202003 0.552 258.115 0.706
202006 1.173 257.797 1.502
202009 0.007 260.280 0.009
202012 1.670 260.474 2.117
202103 1.196 264.877 1.491
202106 1.168 271.696 1.420
202109 0.279 274.310 0.336
202112 0.673 278.802 0.797
202203 0.755 287.504 0.867
202206 0.478 296.311 0.533
202209 0.632 296.808 0.703
202212 1.501 296.797 1.670
202303 0.255 301.836 0.279
202306 0.808 305.109 0.874
202309 -0.182 307.789 -0.195
202312 0.343 306.746 0.369
202406 0.000 314.175 0.000
202409 -0.212 315.301 -0.222
202412 1.717 315.605 1.796
202503 0.393 319.799 0.406
202506 1.426 322.561 1.460
202509 1.077 324.800 1.095
202512 1.446 324.054 1.473
202603 0.829 330.213 0.829

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $3.44 mean?
Dacotah Banks (DBIN) has a Cyclically Adjusted FCF per Share of $3.44 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Dacotah Banks and its competitors.
Is Dacotah Banks' Cyclically Adjusted FCF per Share too high?
Dacotah Banks' current Cyclically Adjusted FCF per Share is $3.44. Overall, Dacotah Banks has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Dacotah Banks' Cyclically Adjusted FCF per Share compare to BSRR and HBCP?
Dacotah Banks' Cyclically Adjusted FCF per Share of $3.44 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Dacotah Banks and its competitors. Dacotah Banks's current Cyclically Adjusted FCF per Share is $3.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dacotah Banks stock overvalued right now?
Based on GuruFocus' analysis, Dacotah Banks (DBIN) is currently considered Fairly Valued. The stock's GF Value™ is $47.48, compared to a current price of $50.00 — trading 5.3% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $3.44. Dacotah Banks' overall GF Score™ is 66/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Dacotah Banks (DBIN), the current Cyclically Adjusted FCF per Share is $3.44 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Dacotah Banks (DBIN) Overvalued in 2026?

Based on GuruFocus' analysis, Dacotah Banks stock appears to be overvalued. The current stock price of $50.00 is trading 5.3% above its estimated GF Value™ of $47.48. GuruFocus considers Dacotah Banks to be Fairly Valued.

Key valuation signals for DBIN:

  • Cyclically Adjusted FCF per Share: $3.44
  • GF Value™: $47.48 vs. price of $50.00 (5.3% above fair value)
  • GF Score™: 66/100 with 3 warning signs

No single metric tells the full story. See the DBIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Dacotah Banks Business Description

Address 401 South Main Street, Suite 212, Aberdeen, SD, USA, 57402-1496
Dacotah Banks Inc provides banking, insurance, mortgage, trust, and wealth management services to customers. The company's primary deposit products are demand deposits and certificates of deposit, and its primary lending products are commercial, commercial real estate, agricultural, residential mortgage, and consumer loans. The loan portfolio of the company includes Commercial, Commercial Real Estate, Agricultural, Residential Real Estate, and Consumer.
66GF Score

Get the complete analysis for DBIN

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$50.00
Price
$47.48
GF Value