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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 0.43
DNBF's Cash to Debt is ranked lower than
70% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. DNBF: 0.43 )
Ranked among companies with meaningful Cash to Debt only.
DNBF' s Cash to Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.28 Max: N/A
Current: 0.43
Equity to Asset 0.07
DNBF's Equity to Asset is ranked lower than
78% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. DNBF: 0.07 )
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: 0.07
0.06
0.09
Interest Coverage 2.45
DNBF's Interest Coverage is ranked higher than
60% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. DNBF: 2.45 )
Ranked among companies with meaningful Interest Coverage only.
DNBF' s Interest Coverage Range Over the Past 10 Years
Min: 0.07  Med: 0.49 Max: 2.8
Current: 2.45
0.07
2.8
F-Score: 4
WACC vs ROIC
3.26%
6.76%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 24.78
DNBF's Operating margin (%) is ranked lower than
68% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. DNBF: 24.78 )
Ranked among companies with meaningful Operating margin (%) only.
DNBF' s Operating margin (%) Range Over the Past 10 Years
Min: 4.45  Med: 16.48 Max: 27.71
Current: 24.78
4.45
27.71
Net-margin (%) 19.18
DNBF's Net-margin (%) is ranked lower than
62% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. DNBF: 19.18 )
Ranked among companies with meaningful Net-margin (%) only.
DNBF' s Net-margin (%) Range Over the Past 10 Years
Min: 4.12  Med: 14.04 Max: 19.77
Current: 19.18
4.12
19.77
ROE (%) 8.76
DNBF's ROE (%) is ranked higher than
56% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. DNBF: 8.76 )
Ranked among companies with meaningful ROE (%) only.
DNBF' s ROE (%) Range Over the Past 10 Years
Min: 2.58  Med: 6.74 Max: 9.11
Current: 8.76
2.58
9.11
ROA (%) 0.69
DNBF's ROA (%) is ranked lower than
62% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. DNBF: 0.69 )
Ranked among companies with meaningful ROA (%) only.
DNBF' s ROA (%) Range Over the Past 10 Years
Min: 0.15  Med: 0.53 Max: 0.84
Current: 0.69
0.15
0.84
Revenue Growth (3Y)(%) -0.10
DNBF's Revenue Growth (3Y)(%) is ranked lower than
61% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. DNBF: -0.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
DNBF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -0.8  Med: 6.15 Max: 136.4
Current: -0.1
-0.8
136.4
EBITDA Growth (3Y)(%) -5.60
DNBF's EBITDA Growth (3Y)(%) is ranked lower than
74% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. DNBF: -5.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
DNBF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -20.5  Med: 1.20 Max: 55.4
Current: -5.6
-20.5
55.4
EPS Growth (3Y)(%) 2.80
DNBF's EPS Growth (3Y)(%) is ranked lower than
60% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. DNBF: 2.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
DNBF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -51.2  Med: 1.35 Max: 74.1
Current: 2.8
-51.2
74.1
» DNBF's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 15.90
DNBF's P/E(ttm) is ranked lower than
69% of the 1403 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. DNBF: 15.90 )
Ranked among companies with meaningful P/E(ttm) only.
DNBF' s P/E(ttm) Range Over the Past 10 Years
Min: 6.47  Med: 15.31 Max: 138.71
Current: 15.9
6.47
138.71
Forward P/E 14.12
DNBF's Forward P/E is ranked lower than
83% of the 703 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.52 vs. DNBF: 14.12 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.00
DNBF's PE(NRI) is ranked lower than
69% of the 1401 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. DNBF: 16.00 )
Ranked among companies with meaningful PE(NRI) only.
DNBF' s PE(NRI) Range Over the Past 10 Years
Min: 6.47  Med: 15.30 Max: 143.33
Current: 16
6.47
143.33
P/B 1.46
DNBF's P/B is ranked lower than
81% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. DNBF: 1.46 )
Ranked among companies with meaningful P/B only.
DNBF' s P/B Range Over the Past 10 Years
Min: 0.36  Med: 1.16 Max: 2.28
Current: 1.46
0.36
2.28
P/S 3.03
DNBF's P/S is ranked lower than
54% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.81 vs. DNBF: 3.03 )
Ranked among companies with meaningful P/S only.
DNBF' s P/S Range Over the Past 10 Years
Min: 0.55  Med: 2.26 Max: 5.73
Current: 3.03
0.55
5.73
PFCF 11.64
DNBF's PFCF is ranked lower than
61% of the 937 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.36 vs. DNBF: 11.64 )
Ranked among companies with meaningful PFCF only.
DNBF' s PFCF Range Over the Past 10 Years
Min: 2.69  Med: 9.30 Max: 99999999.99
Current: 11.64
2.69
99999999.99
POCF 11.10
DNBF's POCF is ranked lower than
67% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.10 vs. DNBF: 11.10 )
Ranked among companies with meaningful POCF only.
DNBF' s POCF Range Over the Past 10 Years
Min: 2.51  Med: 7.62 Max: 46.43
Current: 11.1
2.51
46.43
EV-to-EBIT 15.16
DNBF's EV-to-EBIT is ranked lower than
59% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.68 vs. DNBF: 15.16 )
Ranked among companies with meaningful EV-to-EBIT only.
DNBF' s EV-to-EBIT Range Over the Past 10 Years
Min: -1217.8  Med: 13.70 Max: 369.6
Current: 15.16
-1217.8
369.6
EV-to-EBITDA 12.00
DNBF's EV-to-EBITDA is ranked lower than
52% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. DNBF: 12.00 )
Ranked among companies with meaningful EV-to-EBITDA only.
DNBF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -442.5  Med: 10.90 Max: 115.3
Current: 12
-442.5
115.3
PEG 3.16
DNBF's PEG is ranked lower than
84% of the 618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. DNBF: 3.16 )
Ranked among companies with meaningful PEG only.
DNBF' s PEG Range Over the Past 10 Years
Min: 0.12  Med: 0.20 Max: 11.09
Current: 3.16
0.12
11.09
Shiller P/E 24.31
DNBF's Shiller P/E is ranked lower than
77% of the 520 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.90 vs. DNBF: 24.31 )
Ranked among companies with meaningful Shiller P/E only.
DNBF' s Shiller P/E Range Over the Past 10 Years
Min: 5.72  Med: 17.04 Max: 25.21
Current: 24.31
5.72
25.21

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.98
DNBF's Dividend Yield is ranked lower than
89% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. DNBF: 0.98 )
Ranked among companies with meaningful Dividend Yield only.
DNBF' s Dividend Yield Range Over the Past 10 Years
Min: 0.86  Med: 1.77 Max: 10.96
Current: 0.98
0.86
10.96
Dividend Payout 0.15
DNBF's Dividend Payout is ranked higher than
85% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. DNBF: 0.15 )
Ranked among companies with meaningful Dividend Payout only.
DNBF' s Dividend Payout Range Over the Past 10 Years
Min: 0.07  Med: 0.34 Max: 3.11
Current: 0.15
0.07
3.11
Dividend Growth (3y) 32.60
DNBF's Dividend Growth (3y) is ranked higher than
88% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. DNBF: 32.60 )
Ranked among companies with meaningful Dividend Growth (3y) only.
DNBF' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 2.70 Max: 66.5
Current: 32.6
0
66.5
Forward Dividend Yield 0.99
DNBF's Forward Dividend Yield is ranked lower than
92% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. DNBF: 0.99 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.77
DNBF's Yield on cost (5-Year) is ranked lower than
76% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. DNBF: 1.77 )
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: 1.56  Med: 3.20 Max: 19.84
Current: 1.77
1.56
19.84
3-Year Average Share Buyback Ratio -1.40
DNBF's 3-Year Average Share Buyback Ratio is ranked higher than
52% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. DNBF: -1.40 )
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: -4.6  Med: -0.60 Max: 1.9
Current: -1.4
-4.6
1.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.46
DNBF's Price/Tangible Book is ranked lower than
73% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. DNBF: 1.46 )
Ranked among companies with meaningful Price/Tangible Book only.
DNBF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.42  Med: 1.21 Max: 2.29
Current: 1.46
0.42
2.29
Price/Projected FCF 0.71
DNBF's Price/Projected FCF is ranked lower than
60% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. DNBF: 0.71 )
Ranked among companies with meaningful Price/Projected FCF only.
DNBF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.31  Med: 0.54 Max: 1.54
Current: 0.71
0.31
1.54
Price/DCF (Earnings Based) 0.56
DNBF's Price/DCF (Earnings Based) is ranked higher than
61% of the 66 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. DNBF: 0.56 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.34
DNBF's Price/Median PS Value is ranked lower than
85% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. DNBF: 1.34 )
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: 1.34
0.28
3.29
Price/Graham Number 1.20
DNBF's Price/Graham Number is ranked lower than
72% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. DNBF: 1.20 )
Ranked among companies with meaningful Price/Graham Number only.
DNBF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.42  Med: 0.93 Max: 4.68
Current: 1.2
0.42
4.68
Earnings Yield (Greenblatt) (%) 6.63
DNBF's Earnings Yield (Greenblatt) (%) is ranked lower than
53% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. DNBF: 6.63 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
DNBF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 7.00 Max: 26.9
Current: 6.63
0.3
26.9
Forward Rate of Return (Yacktman) (%) 5.79
DNBF's Forward Rate of Return (Yacktman) (%) is ranked lower than
69% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. DNBF: 5.79 )
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: -7.1  Med: 7.90 Max: 67.5
Current: 5.79
-7.1
67.5

More Statistics

Revenue(Mil) $27
EPS $ 1.80
Beta0.03
Short Percentage of Float0.11%
52-Week Range $22.01 - 30.00
Shares Outstanding(Mil)2.81

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil)
EPS($) 1.77 1.87 2.01
EPS without NRI($) 1.77 1.87 2.01

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
DNB Financial Corp was incorporated on October 28, 1982. The Company 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 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 approximately 12 full service and one limited service branches and a full-service wealth management group known as DNB First Wealth Management. Its services include wealth management and trust services; brokerage and investment services; cash management services; banking and ATM services; as well as safekeeping and other depository services. The Bank encounters vigorous competition from a number of sources, including other commercial banks, thrift institutions, other financial institutions and financial intermediaries. In addition to commercial banks, Federal and state savings and loan associations, savings banks, credit unions and industrial savings banks. The operations of the Bank are subject to Federal and State statutes applicable to banks chartered under the banking laws of the United States, to members of the Federal Reserve System and to banks whose deposits are insured by the FDIC. Bank operations are also subject to regulations of the Office of the Comptroller of the Currency (OCC), the Federal Reserve Board and the FDIC.
» 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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