NasdaqCM:DNBF

Stock Analysis Report

Executive Summary

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.

Snowflake

Fundamentals

Flawless balance sheet with acceptable track record.

Risks

  • DNB Financial is covered by less than 3 analysts.

Similar Companies

Share Price & News

How has DNB Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

2.0%

NasdaqCM:DNBF

3.3%

US Banks

2.1%

US Market


1 Year Return

23.9%

NasdaqCM:DNBF

-13.8%

US Banks

-0.04%

US Market

DNBF outperformed the Banks industry which returned -14.8% over the past year.

DNBF outperformed the Market in United States of America which returned 0.2% over the past year.


Share holder returns

DNBFIndustryMarket
7 Day2.0%3.3%2.1%
30 Day-4.5%-7.0%-3.2%
90 Day1.7%-2.3%2.8%
1 Year24.9%23.9%-11.3%-13.8%2.2%-0.04%
3 Year72.6%68.3%42.5%32.7%41.5%32.3%
5 Year108.2%98.5%54.2%37.6%55.0%37.8%

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

Valuation

Is DNB Financial undervalued based on future cash flows and its price relative to the stock market?

16.41x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

DNB Financial's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

DNB Financial's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

DNB Financial is overvalued based on earnings compared to the US Banks industry average.

DNB Financial is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

DNB Financial is poor value based on expected growth next year.


Price Based on Value of Assets

DNB Financial is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is DNB Financial expected to perform in the next 1 to 3 years based on estimates from 1 analyst?

6.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

DNB Financial's revenue is expected to decrease over the next 1-3 years, this is not considered high growth.

DNB Financial's earnings are expected to grow by 6.8% yearly, however this is not considered high growth (20% yearly).

DNB Financial's revenues are expected to decrease over the next 1-3 years, this is below the United States of America market average.

DNB Financial's earnings growth is positive but not above the United States of America market average.

DNB Financial's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if DNB Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has DNB Financial performed over the past 5 years?

20.9%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

DNB Financial has delivered over 20% year on year earnings growth in the past 5 years.

DNB Financial's 1-year earnings growth exceeds its 5-year average (42.1% vs 20.9%)

DNB Financial's earnings growth has exceeded the US Banks industry average in the past year (42.1% vs 33.2%).


Return on Equity

DNB Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

DNB Financial used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if DNB Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

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


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

DNB Financial has an acceptable proportion of non-loan assets held.

DNB Financial has a sufficient allowance for bad loans.

DNB Financial's liabilities are made up of primarily low risk sources of funding.

DNB Financial's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at DNB Financial are broadly funded by customer deposits.

DNB Financial has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is DNB Financial's current dividend yield, its reliability and sustainability?

0.66%

Expected Dividend Yield


Dividend Yield and Payments Analysis

DNB Financial's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

DNB Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).

DNB Financial is not paying a notable dividend for United States of America, therefore no need to check if the payments are stable.

DNB Financial is not paying a notable dividend for United States of America, therefore no need to check if the payments are increasing.


Current Payout to Shareholders

No need to calculate the sustainability of DNB Financial's dividends as it is not paying a notable one for United States of America.


Future Payout to Shareholders

No need to calculate the sustainability of DNB Financial's dividends in 3 years as they are not expected to pay a notable one for United States of America.


Next Steps

Management

What is the CEO of DNB Financial's salary, the management and board of directors tenure and is there insider trading?

2.3yrs

Average management tenure


CEO

Bill Hieb (62yo)

3.6yrs

Tenure

US$603,805

Compensation

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

Bill's remuneration is lower than average for companies of similar size in United States of America.

Bill's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

2.3yrs

Average Tenure

62yo

Average Age

The tenure for the DNB Financial management team is about average.


Board Age and Tenure

4.6yrs

Average Tenure

68yo

Average Age

The tenure for the DNB Financial board of directors is about average.


Insider Trading

More shares have been bought than sold by DNB Financial individual insiders in the past 3 months, but not in substantial volumes.


Recent Insider Transactions

SellUS$1,036,73811 Jul 19
Driver Management Company LLC
EntityCompany
Shares23,000
Max PriceUS$45.20
SellUS$6,472,88311 Jul 19
CT Opportunity Partners I LP
EntityCompany
Shares146,824
Max PriceUS$44.09
BuyUS$9,54001 Jul 19
Charles Murray
EntityIndividual
Role
Member of the Board of Directors
Director
Shares212
Max PriceUS$45.00
BuyUS$8,14501 Jul 19
Mildred Joyner
EntityIndividual
Role
Member of the Board of Directors
Director
Shares181
Max PriceUS$45.00
BuyUS$7,51501 Jul 19
Gerard Griesser
EntityIndividual
Role
Member of the Board of Directors
Director
Shares167
Max PriceUS$45.00
BuyUS$6,16501 Jul 19
Thomas Fillippo
EntityIndividual
Role
Member of the Board of Directors
Director
Shares137
Max PriceUS$45.00
BuyUS$4,77001 Jul 19
James B. Biery
EntityIndividual
Role
Member of the Board of Directors
Director
Shares106
Max PriceUS$45.00
BuyUS$7,51501 Jul 19
Peter Barsz
EntityIndividual
Shares167
Max PriceUS$45.00
BuyUS$2,80001 Apr 19
James Malloy
EntityIndividual
Role
Other Key Executive
Executive VP & Chief Commercial Lending Officer
Shares73
Max PriceUS$38.36
BuyUS$9,55201 Apr 19
Charles Murray
EntityIndividual
Role
Member of the Board of Directors
Director
Shares249
Max PriceUS$38.36
BuyUS$9,28301 Apr 19
Mildred Joyner
EntityIndividual
Role
Member of the Board of Directors
Director
Shares242
Max PriceUS$38.36
BuyUS$7,51901 Apr 19
Gerard Griesser
EntityIndividual
Role
Member of the Board of Directors
Director
Shares196
Max PriceUS$38.36
BuyUS$7,67201 Apr 19
Thomas Fillippo
EntityIndividual
Role
Member of the Board of Directors
Director
Shares200
Max PriceUS$38.36
BuyUS$5,79201 Apr 19
James B. Biery
EntityIndividual
Role
Member of the Board of Directors
Director
Shares151
Max PriceUS$38.36
BuyUS$7,51901 Apr 19
Peter Barsz
EntityIndividual
Shares196
Max PriceUS$38.36
BuyUS$88,63017 Jan 19
Driver Management Company LLC
EntityCompany
Shares2,578
Max PriceUS$34.46
BuyUS$7,972,97217 Jan 19
CT Opportunity Partners I LP
EntityCompany
Shares256,944
Max PriceUS$31.03
BuyUS$8,21404 Jan 19
Charles Murray
EntityIndividual
Role
Member of the Board of Directors
Director
Shares302
Max PriceUS$27.20
BuyUS$4,43404 Jan 19
James B. Biery
EntityIndividual
Role
Member of the Board of Directors
Director
Shares163
Max PriceUS$27.20
BuyUS$3,31804 Jan 19
James Thornton
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares122
Max PriceUS$27.20
BuyUS$6,82704 Jan 19
Gerard Griesser
EntityIndividual
Role
Member of the Board of Directors
Director
Shares251
Max PriceUS$27.20
BuyUS$8,10604 Jan 19
Mildred Joyner
EntityIndividual
Role
Member of the Board of Directors
Director
Shares298
Max PriceUS$27.20
BuyUS$6,63704 Jan 19
Thomas Fillippo
EntityIndividual
Role
Member of the Board of Directors
Director
Shares244
Max PriceUS$27.20
BuyUS$6,82704 Jan 19
Peter Barsz
EntityIndividual
Shares251
Max PriceUS$27.20
SellUS$16,60713 Dec 18
Gerald Sopp
EntityIndividual
Role
Chief Financial Officer
Executive VP
Shares500
Max PriceUS$33.21
SellUS$34,50021 Nov 18
William Hieb
EntityIndividual
Role
Chief Executive Officer
President
Shares1,000
Max PriceUS$34.50
BuyUS$8,85601 Oct 18
Charles Murray
EntityIndividual
Role
Member of the Board of Directors
Director
Shares240
Max PriceUS$36.90
BuyUS$4,13301 Oct 18
James B. Biery
EntityIndividual
Role
Member of the Board of Directors
Director
Shares112
Max PriceUS$36.90
BuyUS$3,43201 Oct 18
James Thornton
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares93
Max PriceUS$36.90
BuyUS$6,16201 Oct 18
Gerard Griesser
EntityIndividual
Role
Member of the Board of Directors
Director
Shares167
Max PriceUS$36.90
BuyUS$7,56501 Oct 18
Mildred Joyner
EntityIndividual
Role
Member of the Board of Directors
Director
Shares205
Max PriceUS$36.90
BuyUS$6,16201 Oct 18
Thomas Fillippo
EntityIndividual
Role
Member of the Board of Directors
Director
Shares167
Max PriceUS$36.90
BuyUS$7,49101 Oct 18
Peter Barsz
EntityIndividual
Shares203
Max PriceUS$36.90

Ownership Breakdown


Management Team

  • Bruce Moroney (62yo)

    Executive VP

    • Tenure: 0.0yrs
    • Compensation: US$225.60k
  • Eileen Knott (68yo)

    Senior Vice President

    • Tenure: 0.0yrs
  • Charles Bradford (77yo)

    Senior VP & Director

    • Tenure: 0.0yrs
    • Compensation: US$145.90k
  • Kristen LaDow (59yo)

    Senior Vice President

    • Tenure: 0.0yrs
    • Compensation: US$136.83k
  • Gerald Sopp (62yo)

    Executive VP

    • Tenure: 12.6yrs
    • Compensation: US$478.84k
  • Bill Hieb (62yo)

    President

    • Tenure: 3.6yrs
    • Compensation: US$603.81k
  • Jonathan McGrain (55yo)

    Senior Vice President of Marketing

    • Tenure: 0.0yrs
  • Frank Monterosso

    Senior VP & Director of Operations

    • Tenure: 0.0yrs
  • Jim Malloy (57yo)

    Executive VP & Chief Commercial Lending Officer

    • Tenure: 0.8yrs
  • James Gagliano

    Senior VP and Director of Retail Banking & Consumer Lending of DNB First NA

    • Tenure: 1.1yrs

Board Members

  • Jef McGill (58yo)

    Vice Chairman of the Board

    • Tenure: 2.8yrs
    • Compensation: US$38.55k
  • Gerry Griesser (69yo)

    Director

    • Tenure: 9.8yrs
    • Compensation: US$42.41k
  • Charles Murray (61yo)

    Director

    • Tenure: 2.8yrs
    • Compensation: US$45.04k
  • James Thornton (74yo)

    Chairman of the Board

    • Tenure: 3.6yrs
    • Compensation: US$119.96k
  • Thomas Fillippo (71yo)

    Director

    • Tenure: 13.6yrs
    • Compensation: US$48.79k
  • Daniel O'Donnell (67yo)

    Director

    • Tenure: 2.8yrs
    • Compensation: US$33.85k
  • Jim Biery (70yo)

    Director

    • Tenure: 5.6yrs
    • Compensation: US$49.60k
  • Bill Hieb (62yo)

    President

    • Tenure: 3.6yrs
    • Compensation: US$603.81k
  • Mildred Joyner (69yo)

    Director

    • Tenure: 14.7yrs
    • Compensation: US$53.44k
  • Mary Latoff (63yo)

    Director

    • Tenure: 3.6yrs
    • Compensation: US$35.95k

Company Information

DNB Financial Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: DNB Financial Corporation
  • Ticker: DNBF
  • Exchange: NasdaqCM
  • Founded: 1860
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$184.257m
  • Shares outstanding: 4.33m
  • Website: https://www.dnbfirst.com

Number of Employees


Location

  • DNB Financial Corporation
  • 4 Brandywine Avenue
  • Downingtown
  • Pennsylvania
  • 19335
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
DNBFNasdaqCM (Nasdaq Capital Market)YesCommon StockUSUSDApr 1994

Biography

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 ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/22 23:33
End of Day Share Price2019/08/22 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.