DBIN (Dacotah Banks) E10: $3.37 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
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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.
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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 $50.71
GF Value $47.48
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is Dacotah Banks E10?

Dacotah Banks DBIN +1.41% 66 E10 is $3.37 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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Dacotah Banks's adjusted earnings per share data for the three months ended in Mar. 2026 was $1.240. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $3.37 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Dacotah Banks's average E10 Growth Rate was 8.70% 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 E10 growth rate using E10 data.

As of today (2026-07-31), Dacotah Banks's current stock price is $50.706. Dacotah Banks's E10 for the quarter that ended in Mar. 2026 was $3.37. Dacotah Banks's Shiller PE Ratio of today is 15.05.

During the past 11 years, the highest Shiller PE Ratio of Dacotah Banks was 15.13. The lowest was 10.71. And the median was 12.07.


Dacotah Banks  (OTCPK:DBIN) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Dacotah Banks's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=50.706/3.37
=15.05

* 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 Shiller P/E Ratio of Dacotah Banks was 15.13. The lowest was 10.71. And the median was 12.07.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Dacotah Banks E10 Related Terms


Dacotah Banks E10 Historical Data

* Premium members only.

The historical data trend for Dacotah Banks's E10 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 E10 Chart

Dacotah Banks Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 3.24

Dacotah Banks Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 3.10 3.16 3.23 3.24 3.37

DBIN vs BSRR, HBCP, FBIZ: E10 Comparison

For the Banks - Regional subindustry, Dacotah Banks's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Dacotah Banks's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Dacotah Banks's Shiller PE Ratio falls into.


DBIN
66GF Score
Dacotah Banks Inc DBIN
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Dacotah Banks E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.24/330.2130*330.2130
=1.240

Current CPI (Mar. 2026) = 330.2130.

Dacotah Banks Quarterly Data

per share eps CPI Adj_EPS
201603 0.450 238.132 0.624
201606 0.500 241.018 0.685
201609 0.510 241.428 0.698
201612 0.606 241.432 0.829
201703 0.440 243.801 0.596
201706 0.510 244.955 0.688
201709 0.570 246.819 0.763
201712 0.050 246.524 0.067
201803 0.550 249.554 0.728
201806 0.690 251.989 0.904
201809 0.720 252.439 0.942
201812 0.540 251.233 0.710
201903 0.590 254.202 0.766
201906 0.630 256.143 0.812
201909 0.850 256.759 1.093
201912 0.670 256.974 0.861
202003 0.610 258.115 0.780
202006 1.000 257.797 1.281
202009 0.670 260.280 0.850
202012 0.357 260.474 0.453
202103 0.750 264.877 0.935
202106 0.830 271.696 1.009
202109 1.050 274.310 1.264
202112 0.728 278.802 0.862
202203 0.830 287.504 0.953
202206 0.890 296.311 0.992
202209 1.000 296.808 1.113
202212 0.910 296.797 1.012
202303 0.550 301.836 0.602
202306 0.550 305.109 0.595
202309 0.550 307.789 0.590
202312 0.680 306.746 0.732
202406 0.570 314.175 0.599
202409 0.690 315.301 0.723
202412 0.960 315.605 1.004
202503 1.150 319.799 1.187
202506 1.030 322.561 1.054
202509 1.080 324.800 1.098
202512 0.940 324.054 0.958
202603 1.240 330.213 1.240

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $3.37 mean?
Dacotah Banks (DBIN) has a E10 of $3.37 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Dacotah Banks and its competitors.
Is Dacotah Banks' E10 too high?
Dacotah Banks' current E10 is $3.37. 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' E10 compare to BSRR and HBCP?
Dacotah Banks' E10 of $3.37 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Dacotah Banks and its competitors. Dacotah Banks's current E10 is $3.37. 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 $50.71 — trading 6.8% above its estimated fair value. The current E10 is $3.37. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Dacotah Banks (DBIN), the current E10 is $3.37 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 $50.71 is trading 6.8% above its estimated GF Value™ of $47.48. GuruFocus considers Dacotah Banks to be Fairly Valued.

Key valuation signals for DBIN:

  • E10: $3.37
  • GF Value™: $47.48 vs. price of $50.71 (6.8% 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

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$50.71
Price
$47.48
GF Value