DNB Financial Corporation operates as the bank holding company for DNB First, National Association that provides a range of commercial banking products and services to individuals and small to medium sized businesses.
No risks detected for DNBF from our risk checks.
Solid track record with excellent balance sheet.
Share Price & News
How has DNB Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: DNBF has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: DNBF exceeded the US Banks industry which returned 21.7% over the past year.
Return vs Market: DNBF exceeded the US Market which returned 24.7% over the past year.
Price Volatility Vs. Market
How volatile is DNB Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
9 months ago | Simply Wall StOne Thing To Remember About The DNB Financial Corporation (NASDAQ:DNBF) Share Price
10 months ago | Simply Wall StIs DNB Financial Corporation (NASDAQ:DNBF) Potentially Undervalued?
10 months ago | Simply Wall StHow Many DNB Financial Corporation (NASDAQ:DNBF) Shares Have Insiders Sold, In The Last Year?
Is DNB Financial undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: DNBF ($47.66) is trading above our estimate of fair value ($24.8)
Significantly Below Fair Value: DNBF is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: DNBF is poor value based on its PE Ratio (18.7x) compared to the Banks industry average (12.8x).
PE vs Market: DNBF is good value based on its PE Ratio (18.7x) compared to the US market (18.9x).
Price to Earnings Growth Ratio
PEG Ratio: DNBF is poor value based on its PEG Ratio (2.2x)
Price to Book Ratio
PB vs Industry: DNBF is overvalued based on its PB Ratio (1.7x) compared to the US Banks industry average (1.2x).
How is DNB Financial forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: DNBF's forecast earnings growth (8.6% per year) is above the savings rate (2.7%).
Earnings vs Market: DNBF's earnings (8.6% per year) are forecast to grow slower than the US market (14.3% per year).
High Growth Earnings: DNBF's earnings are forecast to grow, but not significantly.
Revenue vs Market: DNBF's revenue is expected to decline over the next 3 years (-0.9% per year).
High Growth Revenue: DNBF's revenue is forecast to decline over the next 3 years (-0.9% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if DNBF's Return on Equity is forecast to be high in 3 years time
How has DNB Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: DNBF has high quality earnings.
Growing Profit Margin: DNBF's current net profit margins (26.3%) are higher than last year (20.7%).
Past Earnings Growth Analysis
Earnings Trend: DNBF's earnings have grown significantly by 20.5% per year over the past 5 years.
Accelerating Growth: DNBF's earnings growth over the past year (30.1%) exceeds its 5-year average (20.5% per year).
Earnings vs Industry: DNBF earnings growth over the past year (30.1%) exceeded the Banks industry 27.1%.
Return on Equity
High ROE: DNBF's Return on Equity (9.1%) is considered low.
How is DNB Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: DNBF has a low level of unsold assets or inventory.
Debt Coverage by Assets: DNBF's debt is not covered by short term assets (assets are 0.5x debt).
Financial Institutions Analysis
Asset Level: DNBF's level of assets compared to its equity is low.
Allowance for Bad Loans: DNBF has a low allowance for bad loans.
Low Risk Liabilities: DNBF's liabilities are made up of primarily low risk sources of funding.
Loan Level: DNBF has an acceptable proportion of non-loan assets held.
Low Risk Deposits: DNBF's loans are broadly funded by customer deposits.
Level of Bad Loans: DNBF has an appropriate level of bad loans (0.77%)
What is DNB Financial's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: DNBF's dividend (0.59%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.4%).
High Dividend: DNBF's dividend (0.59%) is low compared to the top 25% of dividend payers in the US market (3.66%).
Stability and Growth of Payments
Stable Dividend: DNBF is not paying a notable dividend for the US market, therefore no need to check if payments are stable.
Growing Dividend: DNBF is not paying a notable dividend for the US market, therefore no need to check if payments are increasing.
Current Payout to Shareholders
Dividend Coverage: DNBF is not paying a notable dividend for the US market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of DNBF's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Bill Hieb (62yo)
Mr. William J. Hieb, also known as Bill, serves as President & Chief Executive Officer of DNB Financial Corporation’s (“Corporation”) and DNB First, National Association’s (“Bank”) since April 4, 2016. He ...
CEO Compensation Analysis
Compensation vs Market: Bill's total compensation ($USD603.81K) is below average for companies of similar size in the US market ($USD1.08M).
Compensation vs Earnings: Bill's compensation has been consistent with company performance over the past year.
|Executive VP||12.92yrs||US$478.84k||0.56% $1.1m|
|Executive VP||no data||US$225.60k||0.42% $833.6k|
|Executive VP & Chief Commercial Lending Officer||1.08yrs||no data||0.026% $51.3k|
|Senior VP & Director of Operations||no data||no data||no data|
|Senior Vice President of Marketing||no data||no data||no data|
|Senior Vice President||no data||no data||no data|
|Senior VP & Director||no data||US$145.90k||no data|
|Senior Vice President||no data||US$136.83k||no data|
|Senior VP and Director of Retail Banking & Consumer Lending of DNB First NA||1.42yrs||no data||no data|
Experienced Management: DNBF's management team is considered experienced (2.7 years average tenure).
|Vice Chairman of the Board||3.17yrs||US$38.55k||2.34% $4.7m|
|Independent Director||10.17yrs||US$42.41k||0.68% $1.4m|
|Independent Director||3.17yrs||US$45.04k||2.06% $4.1m|
|Chairman of the Board||3.92yrs||US$119.96k||0.72% $1.4m|
|Independent Director||13.92yrs||US$48.79k||1.09% $2.2m|
|Independent Director||3.17yrs||US$33.85k||0.69% $1.4m|
|Independent Director||5.92yrs||US$49.60k||0.34% $685.8k|
|Independent Director||15yrs||US$53.44k||0.47% $938.3k|
Experienced Board: DNBF's board of directors are considered experienced (4.9 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
DNB Financial Corporation's company bio, employee growth, exchange listings and data sources
- Name: DNB Financial Corporation
- Ticker: DNBF
- Exchange: NasdaqCM
- Founded: 1860
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$200.363m
- Shares outstanding: 4.34m
- Website: https://www.dnbfirst.com
Number of Employees
- DNB Financial Corporation
- 4 Brandywine Avenue
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|DNBF||NasdaqCM (Nasdaq Capital Market)||Yes||Common Stock||US||USD||Apr 1994|
DNB Financial Corporation operates as the bank holding company for DNB First, National Association that provides a range of commercial banking products and services to individuals and small to medium sized businesses. The company offers deposit products, including money market, savings, demand, and NOW accounts; and time deposits, as well as certificates of deposit, including IRAs and brokered deposits. It also provides loan products comprising fixed and variable rate loans; funds for the purchase of business property or ventures, working capital lines, small business administration loans, and lease financing for equipment and for various other purposes; and home equity and home mortgages, as well as term loans for the purchase of consumer goods. In addition, it offers cash management, remote capture, Internet banking, letters of credit, and other lending services, as well as commercial sweep accounts; and various investment and insurance products, such as fixed and variable annuities, 401(k) plans and rollovers, stocks, self-directed and managed IRAs, bonds, mutual funds, brokerage, long term care insurance, 529 college savings plans, life insurance, separately managed investment accounts, disability insurance, and self-employed pension plans. Further, the company provides wealth management and trust services to individuals, businesses, and non-profit organizations; investment and fiduciary services, such as investment management, investment advisory, estate settlement, client bill paying, custody, financial planning, corporate trustee/trust administration, and power of attorney and guardian of the estate capacities; and safekeeping and other depository services, as well as securities brokerage and ATM services. It operates through 15 community offices located in Chester, Delaware, and Philadelphia counties, Pennsylvania. The company was founded in 1860 and is headquartered in Downingtown, Pennsylvania.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2019/12/02 23:34|
|End of Day Share Price||2019/11/29 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.