To The Moon

This looks far more like post-earnings digestion than the start of a structural bank rotation. For DBS Group, the sell-off is understandable. The Q4 miss was driven by net interest margin compression, not a deterioration in asset quality or franchise strength. With rates normalising, NIM pressure is a sector-wide reality rather than a DBS-specific flaw. Fee income growth of +13.5% shows the underlying business mix is holding up well. Context matters. After a ~60% rally and fresh highs, expectations were elevated. Any earnings disappointment was likely to trigger profit-taking, especially as investors recalibrate forward ROE assumptions in a lower-rate environment. Crucially, capital returns change the risk profile. A 38% jump in total dividends to S$3.06, with visibility on capital return

Not to overly worry...DBS didn’t suddenly break. The Q4 profit drop is mostly about NIM normalising after a peak-rate year, this was always coming. Yes, missing consensus matters, but fee income growing double digits shows the core business is still working. The bigger issue is positioning. After a ~60% rally and fresh highs, expectations were stretched, so even a “not great” quarter triggers selling. This feels more like profit-taking and earnings digestion than the start of a serious bank rotation. With dividends and capital return commitments running through 2027, downside should be cushioned. Near term, upside is capped and volatility stays. Long term, DBS remains a yield and capital-return story, unless rates fall much faster than the market expects.

My 2 cents: there is a state of flux in DBS viz. declining net interest margins (NIM) and robust shareholder returns' expectations. Therefore, while profit taking is natural after a massive rally, structural shifts in its revenue model and aggressive capital return policies are mitigating the risk of a full-scale  movement out of the stock. Further, sharply lower interest rates and a stronger SGD have begun compressing NIMs, with management expecting 2026 net profit to be slightly below the record 2025 levels. Also, the P/B ratio is now 2.4x as against historical 1.4x. Overall, it is natural for investors to consider UOB & OCBC which still have P/B in the range of 1.55x or below. But that is no cause for panic - if anything it is too much of a good run for DBS & a chance to di

It is anyone guess. While the PE is still very high at 2.4x times. It is a quality share. ROS is still the highest amount the local banks. Will hold on to it and look to add more if it dips below 55

DBS raised it's stake in China bank + trying to break into Malaysia banking industry, a positive sign of growth. Long term will benefit share holder I think.

Will the price drop?

Will hold for juicy dividends

Think of the uncertainty ahead in this coming year, DBS shares might dip further after the dividend payout.

Even though DBS' Q4 profits missed forecast, it's share price pullback has been fairly modest. This suggests that most investors are still confident in the company's fundamentals. Moreover, DBS remains the local bank that is better positioned to withstand NIM pressures as compared to its peers. Will continue to hold as an income and growth stock in my portfolio and buy in when opportune. 

Time to load up on dbs with the dip!!!

The lowering of interest rates have affected the bank's income. I don't think this is a major decline and it'll still be a strong stock, especially in the long term

If DBS dips further, it is good buy opportunity for long term investment with its strong dividend track record.

The recent earnings report from DBS Group has indeed sparked a notable reaction in the market, with shares slipping 1.9% intraday following the announcement of a 10% year-over-year (YoY) decline in Q4 net profit to S2.36billion, which fell short of the consensus estimate of $2.52 billion. This decline can be largely attributed to a sharp compression in the net interest margin (NIM) to 2.34%, down from 2.77% in the previous year. Despite a strong 13.5% growth in fee income, the bank's profitability was significantly impacted by the narrowing margin. The full-year profit also experienced a dip of 3.2%, which might raise concerns about the bank's ability to maintain its profitability in a challenging interest rate environment. However, it's worth noting that the total dividends for the year j

watch out for bear trap. best thing we can do DCA 

Several stocks have been on an overvalued path (based on various indicators & flow in of foreign funds) since beginning of 2026, probably migration away from riskier markets to safer ones. Correction and/or revaluation is bound to come sooner or later. Keeping a clear mind and not be distracted by market noises/temptations is tough but fundamental towards good practice. 😁 

🌟🌟🌟DBS $DBS(D05.SI)$  has just reported a 4th quarter 2025 net profit of SGD 2.36 billion, a 10% year on year decline that missed analyst estimates of SGD 2.57 billion.  While the headline miss on 9 February 2026 initially cooled market sentiment, sending shares down almost 2% in early trading to SGD 58.41, the result masked a record full year 2025 income of SGD 22.9 billion and a powerful 14% surge in wealth management fees. The Warren Buffett Lens: Value Over Volatility In the face of today's market jitters, it is vital to remember Warren Buffett's timeless wisdom : "Do not take yearly results too seriously, instead focus on 4 or 5 year averages." Warren Buffett has long argued that a single earnin

58.62

Feels like the market is starting to cool off on the overexuberance. There were signs that things were not going to be as exciting in 2026, but further growth was likely fueled by investors worried that they did not enter while it was going up. Everyone has started to acknowledge that unbridled enthusiasm is illogical and that it is slowly getting too overvalued, especially with the earnings results that were just released. Nothing too worrying, but expectations for banks were that it will slow down and results would not be as spectacular as everyone saw in 2025, so no, it will likely hover around 60, with a much more gradual uptrend.

Most likely 60$ is just a psychological barrier to break in 2026

Results out

This looks far more like post-earnings digestion than the start of a structural bank rotation. For DBS Group, the sell-off is understandable. The Q4 miss was driven by net interest margin compression, not a deterioration in asset quality or franchise strength. With rates normalising, NIM pressure is a sector-wide reality rather than a DBS-specific flaw. Fee income growth of +13.5% shows the underlying business mix is holding up well. Context matters. After a ~60% rally and fresh highs, expectations were elevated. Any earnings disappointment was likely to trigger profit-taking, especially as investors recalibrate forward ROE assumptions in a lower-rate environment. Crucially, capital returns change the risk profile. A 38% jump in total dividends to S$3.06, with visibility on capital return

Not to overly worry...DBS didn’t suddenly break. The Q4 profit drop is mostly about NIM normalising after a peak-rate year, this was always coming. Yes, missing consensus matters, but fee income growing double digits shows the core business is still working. The bigger issue is positioning. After a ~60% rally and fresh highs, expectations were stretched, so even a “not great” quarter triggers selling. This feels more like profit-taking and earnings digestion than the start of a serious bank rotation. With dividends and capital return commitments running through 2027, downside should be cushioned. Near term, upside is capped and volatility stays. Long term, DBS remains a yield and capital-return story, unless rates fall much faster than the market expects.

My 2 cents: there is a state of flux in DBS viz. declining net interest margins (NIM) and robust shareholder returns' expectations. Therefore, while profit taking is natural after a massive rally, structural shifts in its revenue model and aggressive capital return policies are mitigating the risk of a full-scale  movement out of the stock. Further, sharply lower interest rates and a stronger SGD have begun compressing NIMs, with management expecting 2026 net profit to be slightly below the record 2025 levels. Also, the P/B ratio is now 2.4x as against historical 1.4x. Overall, it is natural for investors to consider UOB & OCBC which still have P/B in the range of 1.55x or below. But that is no cause for panic - if anything it is too much of a good run for DBS & a chance to di

🌟🌟🌟DBS $DBS(D05.SI)$  has just reported a 4th quarter 2025 net profit of SGD 2.36 billion, a 10% year on year decline that missed analyst estimates of SGD 2.57 billion.  While the headline miss on 9 February 2026 initially cooled market sentiment, sending shares down almost 2% in early trading to SGD 58.41, the result masked a record full year 2025 income of SGD 22.9 billion and a powerful 14% surge in wealth management fees. The Warren Buffett Lens: Value Over Volatility In the face of today's market jitters, it is vital to remember Warren Buffett's timeless wisdom : "Do not take yearly results too seriously, instead focus on 4 or 5 year averages." Warren Buffett has long argued that a single earnin

It is anyone guess. While the PE is still very high at 2.4x times. It is a quality share. ROS is still the highest amount the local banks. Will hold on to it and look to add more if it dips below 55

The recent earnings report from DBS Group has indeed sparked a notable reaction in the market, with shares slipping 1.9% intraday following the announcement of a 10% year-over-year (YoY) decline in Q4 net profit to S2.36billion, which fell short of the consensus estimate of $2.52 billion. This decline can be largely attributed to a sharp compression in the net interest margin (NIM) to 2.34%, down from 2.77% in the previous year. Despite a strong 13.5% growth in fee income, the bank's profitability was significantly impacted by the narrowing margin. The full-year profit also experienced a dip of 3.2%, which might raise concerns about the bank's ability to maintain its profitability in a challenging interest rate environment. However, it's worth noting that the total dividends for the year j

Even though DBS' Q4 profits missed forecast, it's share price pullback has been fairly modest. This suggests that most investors are still confident in the company's fundamentals. Moreover, DBS remains the local bank that is better positioned to withstand NIM pressures as compared to its peers. Will continue to hold as an income and growth stock in my portfolio and buy in when opportune. 

DBS raised it's stake in China bank + trying to break into Malaysia banking industry, a positive sign of growth. Long term will benefit share holder I think.

Think of the uncertainty ahead in this coming year, DBS shares might dip further after the dividend payout.

Will the price drop?

Will hold for juicy dividends

The lowering of interest rates have affected the bank's income. I don't think this is a major decline and it'll still be a strong stock, especially in the long term

Time to load up on dbs with the dip!!!

If DBS dips further, it is good buy opportunity for long term investment with its strong dividend track record.

$DBS(D05.SI)$ Singapore's banking powerhouse DBS is gearing up for its full-year 2025 and Q4 earnings release on February 9, with shares teasing the $60 psychological barrier at a close of S$59.66 – just cents from all-time highs after a blistering 36% rally this year. 😲 Wealth management fees exploded 25% in recent quarters, commercial book resilience held firm amid rate cuts, and dividend yields locked at 4.2% have investors salivating for more. But with NIM pressures from easing cycles and global tariff jitters lurking, this report could ignite a breakout blast above $60 or trigger a classic "sell the fact" dip to $58. The stakes are sky-high – will DBS's alpha status deliver nitro for new peaks, or has the rally run its course in a maturing

🌟🌟🌟The stage is set for a historic Monday on February 9 2026 for $DBS(D05.SI)$    As the undisputed Alpha of Singapore banking prepares to unveil its latest earnings report, the market is holding its breath.  We are not just looking at a balance sheet, we are witnessing the evolution of a financial fortress that has redefined global excellence. Is SGD 60 the ceiling? Or are we standing on the edge of a new launchpad to SGD 70? Why JPMorgan Set A SGD 70 Target  The smart money is aiming for the sky.  JPMorgan analysts Harsh Wareham Modi and Daniel Tan maintained a conviction price target of SGD 70.00, an upside potential of 18% in their recent reports.  Their bullish stance is buil

Feels like the market is starting to cool off on the overexuberance. There were signs that things were not going to be as exciting in 2026, but further growth was likely fueled by investors worried that they did not enter while it was going up. Everyone has started to acknowledge that unbridled enthusiasm is illogical and that it is slowly getting too overvalued, especially with the earnings results that were just released. Nothing too worrying, but expectations for banks were that it will slow down and results would not be as spectacular as everyone saw in 2025, so no, it will likely hover around 60, with a much more gradual uptrend.

Several stocks have been on an overvalued path (based on various indicators & flow in of foreign funds) since beginning of 2026, probably migration away from riskier markets to safer ones. Correction and/or revaluation is bound to come sooner or later. Keeping a clear mind and not be distracted by market noises/temptations is tough but fundamental towards good practice. 😁 

watch out for bear trap. best thing we can do DCA 

The "Alpha" of Singapore banking, $DBS(D05.SI)$, is set to release its full-year 2025 and Q4 results on Monday, Feb 9. With the stock currently hovering near the $60 psychological barrier after a massive 2025 rally, all eyes are on whether this report will provide the momentum for a breakout. Market consensus: Annual Net Profit Projection: S$11.275 Billion (Expected slight dip of 1.2%). Q4 Net Profit Projection: S$2.52 Billion (Expected year-on-year decline of 3.8%). Total Annual Income: S$23.21 Billion (Expected 4.1% year-on-year growth). 🕒 2025 Performance Recap: The Banking Trio's Great Divide Before looking ahead, let’s review how the three local giants diverged in 2025—a key factor driving current market sentiment: DBS surged 28%. Fueled by