DWNX (Delhi Bank) PE Ratio: 26.25 (As of Jun. 26, 2026) — Near Median


DWNX Delhi Bank Corp DWNX
57 GF Score
Price $21.00
GF Value $22.71
Valuation Fairly Valued
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What is Delhi Bank PE Ratio?

Delhi Bank DWNX 57 PE Ratio is 26.25 as of Jun. 26, 2026, which is 7% below its 10-year median of 28.08. GuruFocus rates DWNX with a GF Score™ of 57/100 and a GF Value™ of $22.71 (Fairly Valued).

The PE Ratio, or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). As of today (2026-06-26), Delhi Bank's share price is $21.00. Delhi Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $0.80. Therefore, Delhi Bank's PE Ratio for today is 26.25.

Good Sign:

Delhi Bank Corp stock PE Ratio (=26.39) is close to 5-year low of 26.19.

During the past 13 years, Delhi Bank's highest PE Ratio was 43.94. The lowest was 19.30. And the median was 28.08.

Delhi Bank's EPS (Diluted) for the three months ended in Mar. 2026 was $0.22. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $0.80.

As of today (2026-06-26), Delhi Bank's share price is $21.00. Delhi Bank's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was $0.80. Therefore, Delhi Bank's PE Ratio without NRI ratio for today is 26.25.

During the past 13 years, Delhi Bank's highest PE Ratio without NRI was 43.94. The lowest was 19.30. And the median was 28.08.

Delhi Bank's EPS without NRI for the three months ended in Mar. 2026 was $0.22. Its EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was $0.80.

During the past 12 months, Delhi Bank's average EPS without NRI Growth Rate was 48.10% per year. During the past 3 years, the average EPS without NRI Growth Rate was -2.50% per year. During the past 5 years, the average EPS without NRI Growth Rate was -2.10% per year. During the past 10 years, the average EPS without NRI Growth Rate was 1.50% per year.

During the past 13 years, Delhi Bank's highest 3-Year average EPS without NRI Growth Rate was 25.00% per year. The lowest was -9.10% per year. And the median was -4.95% per year.

Delhi Bank's EPS (Basic) for the three months ended in Mar. 2026 was $0.22. Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was $0.80.

Back to Basics: PE Ratio


Delhi Bank  (OTCPK:DWNX) PE Ratio Explanation

The PE Ratio can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.

In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio is positive. Also for stocks with the same PE Ratio, the one with faster growth business is more attractive.

If a company loses money, the PE Ratio becomes meaningless.

To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio divided by the growth ratio. He thinks a company with a PE Ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio of 20, instead of a company growing 10% a year with a PE Ratio of 10.

Because the PE Ratio measures how long it takes to earn back the price you pay, the PE Ratio can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.

Similar to the PE Ratio without NRI or PS Ratio or Price-to-Operating-Cash-Flow or Price-to-Free-Cash-Flow , the PE Ratio measures the valuation based on the earning power of the company. This is where it is different from the PB Ratio , which measures the valuation based on the company's balance sheet.


Be Aware

Investors need to be aware that the PE Ratio can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratios are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio.

PE Ratio can also be affected by non-recurring-items such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio.


Delhi Bank PE Ratio Related Terms


Delhi Bank PE Ratio Historical Data

* Premium members only.

The historical data trend for Delhi Bank's PE Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Delhi Bank PE Ratio Chart

Delhi Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PE Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 30.65 26.64 36.61 41.20 28.96

Delhi Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
PE Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 38.89 35.17 32.66 28.96 26.19

DWNX vs PBKX, HCBN, NACB: PE Ratio Comparison

For the Banks - Regional subindustry, Delhi Bank's PE Ratio, along with its competitors' market caps and PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Delhi Bank PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Delhi Bank's PE Ratio distribution charts can be found below:

* The bar in red indicates where Delhi Bank's PE Ratio falls into.


DWNX
57GF Score
Delhi Bank Corp DWNX
PE Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Delhi Bank PE Ratio Calculation

The PE Ratio, or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.

Delhi Bank's PE Ratio for today is calculated as

PE Ratio=Share Price/Earnings per Share (Diluted) (TTM)
=21.00/0.800
=26.25

Delhi Bank's Share Price of today is $21.00.
Delhi Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.80.


* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

It can also be calculated from the numbers for the whole company:


There are at least three kinds of PE Ratios used by different investors. They are Trailing Twelve Month PE Ratio, Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio based on inflation-adjusted normalized PE Ratio is called Shiller PE Ratio, after Yale professor Robert Shiller.

In the calculation of PE Ratio, the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.

Frequently Asked Questions Learn more about PE Ratio →
What does a PE Ratio of 26.25 mean?
Delhi Bank (DWNX) has a PE Ratio of 26.25 as of Jun. 26, 2026. P/E ratio is the ratio of share price to a company's earnings per share. View historical data on Delhi Bank and its competitors. This is near median its historical median of 28.08. Over the past decade, Delhi Bank's PE Ratio has ranged from 19.30 to 43.94.
Is Delhi Bank's PE Ratio too high?
Delhi Bank's current PE Ratio of 26.25 is near median its 10-year median of 28.08. Over the past 10 years, this metric has ranged from a low of 19.30 to a high of 43.94. Overall, Delhi Bank has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Delhi Bank's PE Ratio compare to PBKX and HCBN?
Delhi Bank's PE Ratio of 26.25 can be compared against companies in the Banks industry. Historically, Delhi Bank's own PE Ratio has ranged from 19.30 to 43.94 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PE Ratio for a Banks company?
A good PE Ratio depends on the Banks industry context. However, PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PE Ratio mean?
A high PE Ratio can signal that a stock is expensive relative to its fundamentals. P/E ratio is the ratio of share price to a company's earnings per share. View historical data on Delhi Bank and its competitors. Delhi Bank's current PE Ratio is 26.25, which is near median its own 10-year median of 28.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Delhi Bank stock overvalued right now?
Based on GuruFocus' analysis, Delhi Bank (DWNX) is currently considered Fairly Valued. The stock's GF Value™ is $22.71, compared to a current price of $21.00 — trading 7.5% below its estimated fair value. The current PE Ratio is 26.25, which is near median its 10-year median of 28.08. Delhi Bank's overall GF Score™ is 57/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PE Ratio calculated?
PE Ratio is calculated from a company's financial statements. For Delhi Bank (DWNX), the current PE Ratio is 26.25 as of Jun. 26, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Delhi Bank (DWNX) Overvalued in 2026?

Based on GuruFocus' analysis, Delhi Bank stock appears to be undervalued. The current stock price of $21.00 is trading 7.5% below its estimated GF Value™ of $22.71. GuruFocus considers Delhi Bank to be Fairly Valued.

Key valuation signals for DWNX:

  • PE Ratio: 26.25 (near median its 10-year median of 28.08)
  • GF Value™: $22.71 vs. price of $21.00 (7.5% below fair value)
  • GF Score™: 57/100

No single metric tells the full story. See the DWNX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Delhi Bank Business Description

Address 124 Main street, P.O. Box 508, Delhi, NY, USA, 13753-0508
Delhi Bank Corp provides a full range of commercial banking services to individual and small business customers in Delaware County, New York, and the surrounding counties. The area is a rural market with an economic base made up of light manufacturing, retail, and agricultural businesses. The Company's primary deposit products are demand deposits and interest-bearing time and savings accounts. The company offers a full array of loan products to meet the needs of retail and commercial customers.
57GF Score

Get the complete analysis for DWNX

PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.00
Price
$22.71
GF Value