DBIN (Dacotah Banks) Moat Score: 3/10 (As of Jul. 31, 2026)

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DBIN Dacotah Banks Inc DBIN
66 GF Score
Price $50.00
GF Value $47.48
Valuation Fairly Valued
! 3 Warning Signs
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What is Dacotah Banks Moat Score?

Dacotah Banks DBIN 66 Moat Score is 3 as of Jul. 31, 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. Among 1,609 Banks companies, Dacotah Banks ranks better than 74.64% on this metric.

Dacotah Banks has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Dacotah Banks has No Moat: Dacotah Banks operates in a competitive regional banking market with limited differentiation. It lacks significant network effects, brand strength, or regulatory barriers that would provide a durable competitive advantage.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Dacotah Banks might have No Moat - Very weak/transient advantages.

Dacotah Banks  (OTCPK:DBIN) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Dacotah Banks Moat Score Related Terms

DBIN vs BSRR, HBCP, FBIZ: Moat Score Comparison

For the Banks - Regional subindustry, Dacotah Banks's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Dacotah Banks's Moat Score distribution charts can be found below:

* The bar in red indicates where Dacotah Banks's Moat Score falls into.


DBIN
66GF Score
Dacotah Banks Inc DBIN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Dacotah Banks (DBIN) has a Moat Score of 3 as of Jul. 31, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Dacotah Banks ranks #408 out of 1609 companies in the Banks industry, placing it in the top 25.4%.
Is Dacotah Banks' Moat Score too high?
Dacotah Banks' current Moat Score is 3. Based on the distribution chart, Dacotah Banks ranks #408 out of 1609 companies in the Banks industry, which is above the industry midpoint. 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' Moat Score compare to BSRR and HBCP?
According to the Banks industry distribution chart, Dacotah Banks ranks #408 out of 1609 companies for Moat Score. This puts Dacotah Banks in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Dacotah Banks's current Moat Score is 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Dacotah Banks (DBIN), the current Moat Score is 3 as of Jul. 31, 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:

  • Moat Score: 3
  • 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

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

$50.00
Price
$47.48
GF Value