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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash-to-Debt 0.30
DNBF's Cash-to-Debt is ranked lower than
81% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. DNBF: 0.30 )
Ranked among companies with meaningful Cash-to-Debt only.
DNBF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.11  Med: 0.37 Max: No Debt
Current: 0.3
Equity-to-Asset 0.09
DNBF's Equity-to-Asset is ranked lower than
59% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. DNBF: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
DNBF' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.07 Max: 0.09
Current: 0.09
0.06
0.09
Interest Coverage 2.06
DNBF's Interest Coverage is ranked higher than
56% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. DNBF: 2.06 )
Ranked among companies with meaningful Interest Coverage only.
DNBF' s Interest Coverage Range Over the Past 10 Years
Min: 0.07  Med: 1.64 Max: 2.8
Current: 2.06
0.07
2.8
Piotroski F-Score: 2
Beneish M-Score: -3.07
WACC vs ROIC
4.92%
5.69%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating Margin % 21.58
DNBF's Operating Margin % is ranked lower than
71% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.69 vs. DNBF: 21.58 )
Ranked among companies with meaningful Operating Margin % only.
DNBF' s Operating Margin % Range Over the Past 10 Years
Min: 4.45  Med: 21.7 Max: 27.71
Current: 21.58
4.45
27.71
Net Margin % 15.69
DNBF's Net Margin % is ranked lower than
71% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.17 vs. DNBF: 15.69 )
Ranked among companies with meaningful Net Margin % only.
DNBF' s Net Margin % Range Over the Past 10 Years
Min: 4.12  Med: 15.69 Max: 19.77
Current: 15.69
4.12
19.77
ROE % 7.61
DNBF's ROE % is ranked lower than
57% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.35 vs. DNBF: 7.61 )
Ranked among companies with meaningful ROE % only.
DNBF' s ROE % Range Over the Past 10 Years
Min: 2.58  Med: 6.78 Max: 9.11
Current: 7.61
2.58
9.11
ROA % 0.60
DNBF's ROA % is ranked lower than
67% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. DNBF: 0.60 )
Ranked among companies with meaningful ROA % only.
DNBF' s ROA % Range Over the Past 10 Years
Min: 0.15  Med: 0.6 Max: 0.84
Current: 0.6
0.15
0.84
3-Year Revenue Growth Rate -6.10
DNBF's 3-Year Revenue Growth Rate is ranked lower than
85% of the 1247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. DNBF: -6.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
DNBF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -6.1  Med: 4.3 Max: 114.6
Current: -6.1
-6.1
114.6
3-Year EBITDA Growth Rate -14.70
DNBF's 3-Year EBITDA Growth Rate is ranked lower than
89% of the 1158 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. DNBF: -14.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
DNBF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -20.4  Med: -4.5 Max: 55.3
Current: -14.7
-20.4
55.3
3-Year EPS without NRI Growth Rate 4.50
DNBF's 3-Year EPS without NRI Growth Rate is ranked lower than
57% of the 1132 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. DNBF: 4.50 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
DNBF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -52.5  Med: 0 Max: 79.2
Current: 4.5
-52.5
79.2
GuruFocus has detected 7 Warning Signs with DNB Financial Corp $DNBF.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» DNBF's 10-Y Financials

Financials (Next Earnings Date: Est. 2017-04-20)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:OTCPK:BERK, NAS:CLBH, NAS:PKBK, NAS:OPOF, NAS:FCCY, OTCPK:HCFB, NAS:TCFC, NAS:EVBS, NAS:TRCB, OTCPK:CWBB, NAS:FCCO, NAS:PEBK, OTCBB:FKYS, NAS:BOCH, OTCBB:DCBF, NAS:NWFL, NAS:OVBC, NAS:UBFO, OTCPK:QNBC, OTCPK:FRAF » details
DNB Financial Corp is a bank holding company for DNB First, National Association (the Bank). The Bank is a full service commercial bank providing banking services to individuals and small to medium sized businesses.

DNB Financial Corp was incorporated on October 28, 1982. It is a bank holding company. The Bank is a full service commercial bank providing a range of services to individuals and small to medium sized businesses in the southeastern Pennsylvania market area, including accepting time, demand, and savings deposits and making secured and unsecured commercial, real estate and consumer loans. In addition, the Bank has twelve full service branches and a full-service wealth management group known as "DNB First Wealth Management". The Company is subject to a number of complex Federal banking laws, most notably the provisions of the Bank Holding Company Act of 1956, as amended ("Bank Holding Company Act") and the Change in Bank Control Act of 1978 ("Change in Control Act"), and to supervision by the Federal Reserve Board.

Ratios

vs
industry
vs
history
PE Ratio 22.44
DNBF's PE Ratio is ranked lower than
82% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. DNBF: 22.44 )
Ranked among companies with meaningful PE Ratio only.
DNBF' s PE Ratio Range Over the Past 10 Years
Min: 6.47  Med: 15.2 Max: 143.33
Current: 22.44
6.47
143.33
Forward PE Ratio 13.55
DNBF's Forward PE Ratio is ranked higher than
64% of the 388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.18 vs. DNBF: 13.55 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 22.44
DNBF's PE Ratio without NRI is ranked lower than
82% of the 1296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.49 vs. DNBF: 22.44 )
Ranked among companies with meaningful PE Ratio without NRI only.
DNBF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.47  Med: 15.2 Max: 143.33
Current: 22.44
6.47
143.33
PB Ratio 1.47
DNBF's PB Ratio is ranked lower than
70% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. DNBF: 1.47 )
Ranked among companies with meaningful PB Ratio only.
DNBF' s PB Ratio Range Over the Past 10 Years
Min: 0.36  Med: 1.15 Max: 1.73
Current: 1.47
0.36
1.73
PS Ratio 3.35
DNBF's PS Ratio is ranked lower than
52% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. DNBF: 3.35 )
Ranked among companies with meaningful PS Ratio only.
DNBF' s PS Ratio Range Over the Past 10 Years
Min: 0.55  Med: 2.25 Max: 5.74
Current: 3.35
0.55
5.74
EV-to-EBIT 28.20
DNBF's EV-to-EBIT is ranked lower than
85% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.64 vs. DNBF: 28.20 )
Ranked among companies with meaningful EV-to-EBIT only.
DNBF' s EV-to-EBIT Range Over the Past 10 Years
Min: 3.7  Med: 13.95 Max: 369.6
Current: 28.2
3.7
369.6
EV-to-EBITDA 24.05
DNBF's EV-to-EBITDA is ranked lower than
84% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.46 vs. DNBF: 24.05 )
Ranked among companies with meaningful EV-to-EBITDA only.
DNBF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.9  Med: 10.7 Max: 86.7
Current: 24.05
2.9
86.7
Shiller PE Ratio 25.37
DNBF's Shiller PE Ratio is ranked lower than
61% of the 490 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.81 vs. DNBF: 25.37 )
Ranked among companies with meaningful Shiller PE Ratio only.
DNBF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 3.89  Med: 18.49 Max: 26.28
Current: 25.37
3.89
26.28

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.83
DNBF's Dividend Yield % is ranked lower than
92% of the 2324 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. DNBF: 0.83 )
Ranked among companies with meaningful Dividend Yield % only.
DNBF' s Dividend Yield % Range Over the Past 10 Years
Min: 0.81  Med: 1.33 Max: 10.96
Current: 0.83
0.81
10.96
Dividend Payout Ratio 0.20
DNBF's Dividend Payout Ratio is ranked higher than
76% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. DNBF: 0.20 )
Ranked among companies with meaningful Dividend Payout Ratio only.
DNBF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.08  Med: 0.18 Max: 1.47
Current: 0.2
0.08
1.47
Forward Dividend Yield % 0.81
DNBF's Forward Dividend Yield % is ranked lower than
94% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. DNBF: 0.81 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.76
DNBF's 5-Year Yield-on-Cost % is ranked lower than
77% of the 2647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.35 vs. DNBF: 1.76 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
DNBF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.72  Med: 2.82 Max: 23.22
Current: 1.76
1.72
23.22
3-Year Average Share Buyback Ratio -15.40
DNBF's 3-Year Average Share Buyback Ratio is ranked lower than
86% of the 977 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. DNBF: -15.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
DNBF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -15.4  Med: -1 Max: 1.6
Current: -15.4
-15.4
1.6

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.77
DNBF's Price-to-Tangible-Book is ranked lower than
74% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. DNBF: 1.77 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
DNBF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.52  Med: 1.36 Max: 2.44
Current: 1.77
0.52
2.44
Price-to-Intrinsic-Value-Projected-FCF 1.08
DNBF's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
71% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. DNBF: 1.08 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
DNBF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.34  Med: 0.54 Max: 2.37
Current: 1.08
0.34
2.37
Price-to-Median-PS-Value 1.49
DNBF's Price-to-Median-PS-Value is ranked lower than
78% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. DNBF: 1.49 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
DNBF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.36  Med: 1.14 Max: 2.46
Current: 1.49
0.36
2.46
Price-to-Graham-Number 1.33
DNBF's Price-to-Graham-Number is ranked lower than
77% of the 1224 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. DNBF: 1.33 )
Ranked among companies with meaningful Price-to-Graham-Number only.
DNBF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.48  Med: 0.99 Max: 4.27
Current: 1.33
0.48
4.27
Earnings Yield (Greenblatt) % 3.59
DNBF's Earnings Yield (Greenblatt) % is ranked lower than
64% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. DNBF: 3.59 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
DNBF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.3  Med: 7.2 Max: 26.9
Current: 3.59
0.3
26.9
Forward Rate of Return (Yacktman) % 0.77
DNBF's Forward Rate of Return (Yacktman) % is ranked lower than
79% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.03 vs. DNBF: 0.77 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
DNBF' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 0.77  Med: 7.95 Max: 67.3
Current: 0.77
0.77
67.3

More Statistics

Revenue (TTM) (Mil) $31.74
EPS (TTM) $ 1.48
Beta0.39
Short Percentage of Float0.05%
52-Week Range $23.05 - 35.00
Shares Outstanding (Mil)4.23

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 2.54 2.65
EPS without NRI ($) 2.54 2.65
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.28 0.28
» More Articles for DNBF

Headlines

Articles On GuruFocus.com
Group Insider Buying Reported in Regional Banking Stocks Jul 24 2013 
DNB Financial Corp (DNBF) CEO William S Latoff buys 1,210 Shares Feb 08 2011 
DNB Financial Corp Reports Operating Results (10-Q) Nov 12 2010 
DNB Financial Corp (DNBF) CEO William S Latoff buys 1,379 Shares Sep 03 2010 
DNB Financial Corp Reports Operating Results (10-Q) Aug 13 2010 
DNB Financial Corp (DNBF) CEO William S Latoff buys 1,010 Shares Jun 02 2010 
DNB Financial Corp Reports Operating Results (10-Q) May 14 2010 
Weekly CFO Buys Highlight: Bank of South Carolina Corp., Communications Systems Inc, American Physic Apr 18 2010 
Weekly CFO Buys Highlight: PokerTek Inc., Ocean BioChem Inc., DNB Financial Corp, First Advantage Ba Apr 11 2010 
DNB Financial Corp (DNBF) CEO William S Latoff buys 1,204 Shares Apr 09 2010 

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DNB Financial Corporation Names William J. Hieb President and Chief Executive Officer and James H.... Apr 04 2016

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