DWNX (Delhi Bank) GF Value Rank: 10 (As of Jul. 10, 2026) — 43% Above Median


DWNX Delhi Bank Corp DWNX
53 GF Score
Price $21.00
GF Value $23.67
Valuation Modestly Undervalued
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What is Delhi Bank GF Value Rank?

Delhi Bank DWNX +0.67% 53 GF Value Rank is 10 as of Jul. 10, 2026, which is 43% above its 10-year median of 7.00. GuruFocus rates DWNX with a GF Score™ of 53/100 and a GF Value™ of $23.67 (Modestly Undervalued).

Delhi Bank has the GF Value Rank of 10.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

DWNX vs OPHC, FRSB, FBTT: GF Value Rank Comparison

For the Banks - Regional subindustry, Delhi Bank's GF Value Rank, along with its competitors' market caps and GF Value Rank 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 GF Value Rank vs Banks Industry

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

* The bar in red indicates where Delhi Bank's GF Value Rank falls into.


DWNX
53GF Score
Delhi Bank Corp DWNX
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 10 mean?
Delhi Bank (DWNX) has a GF Value Rank of 10 as of Jul. 10, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Delhi Bank and its competitors. This is 43% above median its historical median of 7.00. Over the past decade, Delhi Bank's GF Value Rank has ranged from 5.00 to 10.00.
Is Delhi Bank's GF Value Rank too high?
Delhi Bank's current GF Value Rank of 10 is 43% above median its 10-year median of 7.00. Over the past 10 years, this metric has ranged from a low of 5.00 to a high of 10.00. Overall, Delhi Bank has a GF Score™ of 53/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Delhi Bank's GF Value Rank compare to OPHC and FRSB?
Delhi Bank's GF Value Rank of 10 can be compared against companies in the Banks industry. Historically, Delhi Bank's own GF Value Rank has ranged from 5.00 to 10.00 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 GF Value Rank for a Banks company?
A good GF Value Rank depends on the Banks industry context. However, GF Value Rank 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 GF Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Delhi Bank and its competitors. Delhi Bank's current GF Value Rank is 10, which is 43% above median its own 10-year median of 7.00. 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 Modestly Undervalued. The stock's GF Value™ is $23.67, compared to a current price of $21.00 — trading 11.3% below its estimated fair value. The current GF Value Rank is 10, which is 43% above median its 10-year median of 7.00. Delhi Bank's overall GF Score™ is 53/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For Delhi Bank (DWNX), the current GF Value Rank is 10 as of Jul. 10, 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 11.3% below its estimated GF Value™ of $23.67. GuruFocus considers Delhi Bank to be Modestly Undervalued.

Key valuation signals for DWNX:

  • GF Value Rank: 10 (43% above median its 10-year median of 7.00)
  • GF Value™: $23.67 vs. price of $21.00 (11.3% below fair value)
  • GF Score™: 53/100

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.
53GF Score

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

$21.00
Price
$23.67
GF Value