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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 0.51
NAS:DNBF's Cash to Debt is ranked lower than
72% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.13 vs. NAS:DNBF: 0.51 )
Ranked among companies with meaningful Cash to Debt only.
NAS:DNBF' s Cash to Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.3 Max: N/A
Current: 0.51
Equity to Asset 0.08
NAS:DNBF's Equity to Asset is ranked lower than
71% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:DNBF: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
NAS:DNBF' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.07 Max: 0.09
Current: 0.08
0.06
0.09
Interest Coverage 2.48
NAS:DNBF's Interest Coverage is ranked higher than
61% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. NAS:DNBF: 2.48 )
Ranked among companies with meaningful Interest Coverage only.
NAS:DNBF' s Interest Coverage Range Over the Past 10 Years
Min: 0.07  Med: 1.13 Max: 2.8
Current: 2.48
0.07
2.8
F-Score: 4
M-Score: -2.47
WACC vs ROIC
3.55%
7.20%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 24.77
NAS:DNBF's Operating margin (%) is ranked lower than
65% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.84 vs. NAS:DNBF: 24.77 )
Ranked among companies with meaningful Operating margin (%) only.
NAS:DNBF' s Operating margin (%) Range Over the Past 10 Years
Min: 4.45  Med: 21.08 Max: 27.71
Current: 24.77
4.45
27.71
Net-margin (%) 19.05
NAS:DNBF's Net-margin (%) is ranked lower than
62% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.27 vs. NAS:DNBF: 19.05 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:DNBF' s Net-margin (%) Range Over the Past 10 Years
Min: 4.12  Med: 15.32 Max: 19.77
Current: 19.05
4.12
19.77
ROE (%) 9.20
NAS:DNBF's ROE (%) is ranked higher than
57% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.34 vs. NAS:DNBF: 9.20 )
Ranked among companies with meaningful ROE (%) only.
NAS:DNBF' s ROE (%) Range Over the Past 10 Years
Min: 2.58  Med: 6.74 Max: 9.2
Current: 9.2
2.58
9.2
ROA (%) 0.70
NAS:DNBF's ROA (%) is ranked lower than
62% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. NAS:DNBF: 0.70 )
Ranked among companies with meaningful ROA (%) only.
NAS:DNBF' s ROA (%) Range Over the Past 10 Years
Min: 0.15  Med: 0.6 Max: 0.84
Current: 0.7
0.15
0.84
Revenue Growth (3Y)(%) -0.90
NAS:DNBF's Revenue Growth (3Y)(%) is ranked lower than
70% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. NAS:DNBF: -0.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS:DNBF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -0.9  Med: 5.3 Max: 136.6
Current: -0.9
-0.9
136.6
EBITDA Growth (3Y)(%) -4.50
NAS:DNBF's EBITDA Growth (3Y)(%) is ranked lower than
78% of the 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. NAS:DNBF: -4.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS:DNBF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -20.4  Med: -1.65 Max: 55.3
Current: -4.5
-20.4
55.3
» NAS:DNBF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:RBPAA, OTCPK:CMTV, OTCPK:COFS, NAS:MBCN, OTCPK:FOFN, OTCPK:HCFB, OTCPK:PFLC, NAS:GFED, OTCPK:TYFG, NAS:AMRB, NAS:RNDB, NAS:SBBX, OTCPK:BCML, NAS:SBCP, NAS:MFNC, NAS:MPB, OTCPK:BNCC, OTCBB:CSBB, OTCPK:CLDB, OTCPK:SCZC » 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
P/E(ttm) 14.01
DNBF's P/E(ttm) is ranked lower than
54% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.26 vs. DNBF: 14.01 )
Ranked among companies with meaningful P/E(ttm) only.
DNBF' s P/E(ttm) Range Over the Past 10 Years
Min: 6.47  Med: 15.07 Max: 143.33
Current: 14.01
6.47
143.33
Forward P/E 11.72
DNBF's Forward P/E is ranked higher than
62% of the 369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.63 vs. DNBF: 11.72 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.01
DNBF's PE(NRI) is ranked lower than
54% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.28 vs. DNBF: 14.01 )
Ranked among companies with meaningful PE(NRI) only.
DNBF' s PE(NRI) Range Over the Past 10 Years
Min: 6.47  Med: 15.07 Max: 143.33
Current: 14.01
6.47
143.33
Price/Owner Earnings (ttm) 10.81
DNBF's Price/Owner Earnings (ttm) is ranked higher than
60% of the 859 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.81 vs. DNBF: 10.81 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
DNBF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.46  Med: 10.26 Max: 54.9
Current: 10.81
3.46
54.9
P/B 1.24
DNBF's P/B is ranked lower than
64% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. DNBF: 1.24 )
Ranked among companies with meaningful P/B only.
DNBF' s P/B Range Over the Past 10 Years
Min: 0.36  Med: 1.15 Max: 1.83
Current: 1.24
0.36
1.83
P/S 2.66
DNBF's P/S is ranked higher than
57% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. DNBF: 2.66 )
Ranked among companies with meaningful P/S only.
DNBF' s P/S Range Over the Past 10 Years
Min: 0.55  Med: 2.25 Max: 5.74
Current: 2.66
0.55
5.74
PFCF 12.56
DNBF's PFCF is ranked lower than
59% of the 817 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. DNBF: 12.56 )
Ranked among companies with meaningful PFCF only.
DNBF' s PFCF Range Over the Past 10 Years
Min: 2.67  Med: 8.82 Max: 1233.13
Current: 12.56
2.67
1233.13
POCF 7.78
DNBF's POCF is ranked higher than
59% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.22 vs. DNBF: 7.78 )
Ranked among companies with meaningful POCF only.
DNBF' s POCF Range Over the Past 10 Years
Min: 2.5  Med: 7.72 Max: 44.83
Current: 7.78
2.5
44.83
EV-to-EBIT 13.50
DNBF's EV-to-EBIT is ranked lower than
52% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. DNBF: 13.50 )
Ranked among companies with meaningful EV-to-EBIT only.
DNBF' s EV-to-EBIT Range Over the Past 10 Years
Min: -85.6  Med: 13.7 Max: 369.6
Current: 13.5
-85.6
369.6
EV-to-EBITDA 10.94
DNBF's EV-to-EBITDA is ranked higher than
52% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. DNBF: 10.94 )
Ranked among companies with meaningful EV-to-EBITDA only.
DNBF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -440.4  Med: 10.4 Max: 86.7
Current: 10.94
-440.4
86.7
Shiller P/E 20.67
DNBF's Shiller P/E is ranked lower than
61% of the 494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.76 vs. DNBF: 20.67 )
Ranked among companies with meaningful Shiller P/E only.
DNBF' s Shiller P/E Range Over the Past 10 Years
Min: 3.89  Med: 18.4 Max: 25.21
Current: 20.67
3.89
25.21

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.08
DNBF's Dividend Yield is ranked lower than
87% of the 2190 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. DNBF: 1.08 )
Ranked among companies with meaningful Dividend Yield only.
DNBF' s Dividend Yield Range Over the Past 10 Years
Min: 0.86  Med: 1.37 Max: 10.96
Current: 1.08
0.86
10.96
Dividend Payout 0.15
DNBF's Dividend Payout is ranked higher than
86% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. DNBF: 0.15 )
Ranked among companies with meaningful Dividend Payout only.
DNBF' s Dividend Payout Range Over the Past 10 Years
Min: 0.06  Med: 0.31 Max: 2.8
Current: 0.15
0.06
2.8
Dividend Growth (3y) 11.90
DNBF's Dividend Growth (3y) is ranked higher than
59% of the 734 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. DNBF: 11.90 )
Ranked among companies with meaningful Dividend Growth (3y) only.
DNBF' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 5 Max: 66.5
Current: 11.9
0
66.5
Forward Dividend Yield 1.08
DNBF's Forward Dividend Yield is ranked lower than
90% of the 2073 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.13 vs. DNBF: 1.08 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.98
DNBF's Yield on cost (5-Year) is ranked lower than
56% of the 2538 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. DNBF: 2.98 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
DNBF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.37  Med: 3.78 Max: 30.23
Current: 2.98
2.37
30.23
3-Year Average Share Buyback Ratio -1.20
DNBF's 3-Year Average Share Buyback Ratio is ranked higher than
56% of the 1052 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. DNBF: -1.20 )
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: -4.5  Med: -0.8 Max: 1.6
Current: -1.2
-4.5
1.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.24
DNBF's Price/Tangible Book is ranked lower than
57% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. DNBF: 1.24 )
Ranked among companies with meaningful Price/Tangible Book only.
DNBF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.43  Med: 1.21 Max: 2.28
Current: 1.24
0.43
2.28
Price/Projected FCF 0.63
DNBF's Price/Projected FCF is ranked higher than
58% of the 831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. DNBF: 0.63 )
Ranked among companies with meaningful Price/Projected FCF only.
DNBF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.32  Med: 0.57 Max: 1.83
Current: 0.63
0.32
1.83
Price/Median PS Value 1.19
DNBF's Price/Median PS Value is ranked lower than
70% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. DNBF: 1.19 )
Ranked among companies with meaningful Price/Median PS Value only.
DNBF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.28  Med: 1.17 Max: 3.29
Current: 1.19
0.28
3.29
Price/Graham Number 0.88
DNBF's Price/Graham Number is ranked lower than
53% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. DNBF: 0.88 )
Ranked among companies with meaningful Price/Graham Number only.
DNBF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.35  Med: 0.92 Max: 4.68
Current: 0.88
0.35
4.68
Earnings Yield (Greenblatt) (%) 7.40
DNBF's Earnings Yield (Greenblatt) (%) is ranked higher than
60% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. DNBF: 7.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
DNBF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 7.3 Max: 26.9
Current: 7.4
0.3
26.9
Forward Rate of Return (Yacktman) (%) 6.38
DNBF's Forward Rate of Return (Yacktman) (%) is ranked lower than
64% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.66 vs. DNBF: 6.38 )
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: 3.8  Med: 8.1 Max: 67.3
Current: 6.38
3.8
67.3

More Statistics

Revenue (TTM) (Mil) $27.90
EPS (TTM) $ 1.85
Beta0.14
Short Percentage of Float0.26%
52-Week Range $23.05 - 30.00
Shares Outstanding (Mil)2.85

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 1.61 2.21
EPS w/o NRI ($) 1.61 2.21
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.28 0.31
» More Articles for NAS: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 

More From Other Websites
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DNB Financial Corporation Declares a $0.07 Cash Dividend Aug 25 2016
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DNB FINANCIAL CORP /PA/ Financials Aug 19 2016
DNB FINANCIAL CORP /PA/ Files SEC form 10-Q, Quarterly Report Aug 12 2016
DNB Financial Corp. :DNBF-US: Earnings Analysis: Q2, 2016 By the Numbers : August 3, 2016 Aug 03 2016
DNB Financial posts 2Q profit Jul 21 2016
DNB Financial posts 2Q profit Jul 21 2016
DNB Financial Corporation Reports Second Quarter 2016 Results Jul 21 2016
DNB FINANCIAL CORP /PA/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 21 2016
DNB Financial Corp. :DNBF-US: Earnings Analysis: Q1, 2016 By the Numbers : June 28, 2016 Jun 28 2016
DNB Financial Corporation Declares a $0.07 Cash Dividend May 25 2016
DNB FINANCIAL CORP /PA/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 25 2016
DNB FINANCIAL CORP /PA/ Files SEC form 10-Q, Quarterly Report May 16 2016
DNB FINANCIAL CORP /PA/ Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Apr 27 2016

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