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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 0.72
DNBF's Cash to Debt is ranked lower than
62% of the 966 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.47 vs. DNBF: 0.72 )
Ranked among companies with meaningful Cash to Debt only.
DNBF' s 10-Year Cash to Debt Range
Min: 0.1  Med: 0.23 Max: N/A
Current: 0.72
Equity to Asset 0.08
DNBF's Equity to Asset is ranked lower than
69% of the 1319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. DNBF: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
DNBF' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.07 Max: 0.09
Current: 0.08
0.06
0.09
Interest Coverage 2.80
DNBF's Interest Coverage is ranked higher than
66% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. DNBF: 2.80 )
Ranked among companies with meaningful Interest Coverage only.
DNBF' s 10-Year Interest Coverage Range
Min: 0.07  Med: 0.29 Max: 2.8
Current: 2.8
0.07
2.8
F-Score: 4
WACC vs ROIC
2.37%
8.31%
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 (%) 25.42
DNBF's Operating margin (%) is ranked lower than
61% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. DNBF: 25.42 )
Ranked among companies with meaningful Operating margin (%) only.
DNBF' s 10-Year Operating margin (%) Range
Min: -639.17  Med: 12.50 Max: 33.33
Current: 25.42
-639.17
33.33
Net-margin (%) 19.01
DNBF's Net-margin (%) is ranked lower than
59% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. DNBF: 19.01 )
Ranked among companies with meaningful Net-margin (%) only.
DNBF' s 10-Year Net-margin (%) Range
Min: 1.82  Med: 18.31 Max: 258.71
Current: 19.01
1.82
258.71
ROE (%) 8.30
DNBF's ROE (%) is ranked lower than
51% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.41 vs. DNBF: 8.30 )
Ranked among companies with meaningful ROE (%) only.
DNBF' s 10-Year ROE (%) Range
Min: 1.19  Med: 8.09 Max: 15.71
Current: 8.3
1.19
15.71
ROA (%) 0.71
DNBF's ROA (%) is ranked lower than
59% of the 1392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. DNBF: 0.71 )
Ranked among companies with meaningful ROA (%) only.
DNBF' s 10-Year ROA (%) Range
Min: 0.07  Med: 0.65 Max: 1.27
Current: 0.71
0.07
1.27
ROC (Joel Greenblatt) (%) 86.43
DNBF's ROC (Joel Greenblatt) (%) is ranked higher than
54% of the 1374 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. DNBF: 86.43 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
DNBF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -299.23  Med: 11.01 Max: 90.11
Current: 86.43
-299.23
90.11
Revenue Growth (3Y)(%) -0.10
DNBF's Revenue Growth (3Y)(%) is ranked lower than
61% of the 1170 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. DNBF: -0.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
DNBF' s 10-Year Revenue Growth (3Y)(%) Range
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
79% of the 1029 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. DNBF: -5.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
DNBF' s 10-Year EBITDA Growth (3Y)(%) Range
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
66% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. DNBF: 2.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
DNBF' s 10-Year EPS Growth (3Y)(%) Range
Min: -51.2  Med: 1.40 Max: 74.4
Current: 2.8
-51.2
74.4
» 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) 14.50
DNBF's P/E(ttm) is ranked lower than
54% of the 1245 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. DNBF: 14.50 )
Ranked among companies with meaningful P/E(ttm) only.
DNBF' s 10-Year P/E(ttm) Range
Min: 6.47  Med: 15.65 Max: 238.16
Current: 14.5
6.47
238.16
Forward P/E 13.35
DNBF's Forward P/E is ranked lower than
63% of the 707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. DNBF: 13.35 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.50
DNBF's PE(NRI) is ranked lower than
53% of the 1242 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. DNBF: 14.50 )
Ranked among companies with meaningful PE(NRI) only.
DNBF' s 10-Year PE(NRI) Range
Min: 6.47  Med: 15.63 Max: 254.83
Current: 14.5
6.47
254.83
P/B 1.33
DNBF's P/B is ranked lower than
68% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. DNBF: 1.33 )
Ranked among companies with meaningful P/B only.
DNBF' s 10-Year P/B Range
Min: 0.36  Med: 1.14 Max: 2.35
Current: 1.33
0.36
2.35
P/S 2.68
DNBF's P/S is ranked higher than
57% of the 1367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.97 vs. DNBF: 2.68 )
Ranked among companies with meaningful P/S only.
DNBF' s 10-Year P/S Range
Min: 0.55  Med: 2.22 Max: 5.73
Current: 2.68
0.55
5.73
PFCF 10.69
DNBF's PFCF is ranked higher than
53% of the 801 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.49 vs. DNBF: 10.69 )
Ranked among companies with meaningful PFCF only.
DNBF' s 10-Year PFCF Range
Min: 2.69  Med: 8.77 Max: 99999999.99
Current: 10.69
2.69
99999999.99
POCF 10.26
DNBF's POCF is ranked lower than
53% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.73 vs. DNBF: 10.26 )
Ranked among companies with meaningful POCF only.
DNBF' s 10-Year POCF Range
Min: 2.51  Med: 7.52 Max: 46.43
Current: 10.26
2.51
46.43
EV-to-EBIT 12.61
DNBF's EV-to-EBIT is ranked higher than
58% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.11 vs. DNBF: 12.61 )
Ranked among companies with meaningful EV-to-EBIT only.
DNBF' s 10-Year EV-to-EBIT Range
Min: -1217.9  Med: 13.70 Max: 369.6
Current: 12.61
-1217.9
369.6
PEG 2.90
DNBF's PEG is ranked lower than
82% of the 573 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. DNBF: 2.90 )
Ranked among companies with meaningful PEG only.
DNBF' s 10-Year PEG Range
Min: 0.11  Med: 0.21 Max: 22.51
Current: 2.9
0.11
22.51
Shiller P/E 17.97
DNBF's Shiller P/E is ranked lower than
54% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.18 vs. DNBF: 17.97 )
Ranked among companies with meaningful Shiller P/E only.
DNBF' s 10-Year Shiller P/E Range
Min: 7.28  Med: 16.83 Max: 29.05
Current: 17.97
7.28
29.05
Days Sales Outstanding 35.33
DNBF's Days Sales Outstanding is ranked lower than
52% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.05 vs. DNBF: 35.33 )
Ranked among companies with meaningful Days Sales Outstanding only.
DNBF' s 10-Year Days Sales Outstanding Range
Min: 31.34  Med: 47.29 Max: 636.71
Current: 35.33
31.34
636.71

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.11
DNBF's Dividend Yield is ranked lower than
86% of the 2188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.63 vs. DNBF: 1.11 )
Ranked among companies with meaningful Dividend Yield only.
DNBF' s 10-Year Dividend Yield Range
Min: 0.86  Med: 1.90 Max: 10.96
Current: 1.11
0.86
10.96
Dividend Payout 0.16
DNBF's Dividend Payout is ranked higher than
83% of the 1279 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. DNBF: 0.16 )
Ranked among companies with meaningful Dividend Payout only.
DNBF' s 10-Year Dividend Payout Range
Min: 0.07  Med: 0.35 Max: 3.11
Current: 0.16
0.07
3.11
Dividend growth (3y) 32.60
DNBF's Dividend growth (3y) is ranked higher than
86% of the 652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. DNBF: 32.60 )
Ranked among companies with meaningful Dividend growth (3y) only.
DNBF' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 2.70 Max: 66.5
Current: 32.6
0
66.5
Yield on cost (5-Year) 2.01
DNBF's Yield on cost (5-Year) is ranked lower than
69% of the 2173 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.04 vs. DNBF: 2.01 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
DNBF' s 10-Year Yield on cost (5-Year) Range
Min: 1.56  Med: 3.44 Max: 19.84
Current: 2.01
1.56
19.84
Share Buyback Rate -1.40
DNBF's Share Buyback Rate is ranked higher than
51% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. DNBF: -1.40 )
Ranked among companies with meaningful Share Buyback Rate only.
DNBF' s 10-Year Share Buyback Rate Range
Min: 1.9  Med: -0.60 Max: -4.6
Current: -1.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.34
DNBF's Price/Tangible Book is ranked lower than
59% of the 1329 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. DNBF: 1.34 )
Ranked among companies with meaningful Price/Tangible Book only.
DNBF' s 10-Year Price/Tangible Book Range
Min: 0.42  Med: 1.20 Max: 2.27
Current: 1.34
0.42
2.27
Price/Projected FCF 0.64
DNBF's Price/Projected FCF is ranked higher than
55% of the 759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. DNBF: 0.64 )
Ranked among companies with meaningful Price/Projected FCF only.
DNBF' s 10-Year Price/Projected FCF Range
Min: 0.31  Med: 0.53 Max: 1.54
Current: 0.64
0.31
1.54
Price/DCF (Earnings Based) 0.51
DNBF's Price/DCF (Earnings Based) is ranked higher than
69% of the 55 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.76 vs. DNBF: 0.51 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.21
DNBF's Price/Median PS Value is ranked lower than
64% of the 1232 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. DNBF: 1.21 )
Ranked among companies with meaningful Price/Median PS Value only.
DNBF' s 10-Year Price/Median PS Value Range
Min: 0.29  Med: 1.16 Max: 3.36
Current: 1.21
0.29
3.36
Price/Graham Number 0.88
DNBF's Price/Graham Number is ranked lower than
51% of the 1122 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. DNBF: 0.88 )
Ranked among companies with meaningful Price/Graham Number only.
DNBF' s 10-Year Price/Graham Number Range
Min: 0.33  Med: 0.87 Max: 4.09
Current: 0.88
0.33
4.09
Earnings Yield (Greenblatt) (%) 7.90
DNBF's Earnings Yield (Greenblatt) (%) is ranked higher than
62% of the 1343 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. DNBF: 7.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
DNBF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.3  Med: 7.00 Max: 26.9
Current: 7.9
0.3
26.9
Forward Rate of Return (Yacktman) (%) 7.44
DNBF's Forward Rate of Return (Yacktman) (%) is ranked lower than
64% of the 758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.31 vs. DNBF: 7.44 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
DNBF' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -12.2  Med: 8.20 Max: 71.4
Current: 7.44
-12.2
71.4

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 
comment on DNBF Mar 03 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 

More From Other Websites
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DNB Financial Corporation Declares a $0.07 Cash Dividend May 27 2015
DNB FINANCIAL CORP /PA/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 27 2015
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DNB FINANCIAL CORP /PA/ Financials May 19 2015
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DNB FINANCIAL CORP /PA/ Files SEC form 10-Q, Quarterly Report May 11 2015
10-K for DNB Financial Corp. May 02 2015
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DNB FINANCIAL CORP /PA/ Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Apr 22 2015
DNB Financial posts 1Q profit Apr 21 2015
DNB Financial posts 1Q profit Apr 21 2015
DNB Financial Corporation Reports First Quarter 2015 Results Apr 21 2015
DNB FINANCIAL CORP /PA/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 21 2015
DNB Financial Corporation Reports First Quarter 2015 Results Apr 21 2015
Photo Release -- DNB First Expands Business Banking Services Apr 03 2015
DNB FINANCIAL CORP /PA/ Files SEC form 10-K, Annual Report Mar 23 2015
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