OTCPK:DLMV

Stock Analysis Report

Executive Summary

Delmarva Bancshares, Inc., through its subsidiary, 1880 Bank, provides various financial products and services to businesses and individuals in Dorchester and Talbot Counties, and surrounding areas of the Eastern Shore of Maryland, and the Delmarva Peninsula.

Snowflake

Fundamentals

Adequate balance sheet and slightly overvalued.

Risks

  • Delmarva Bancshares is not covered by any analysts.

Share Price & News

How has Delmarva Bancshares's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-0.1%

OTCPK:DLMV

2.4%

US Banks

2.9%

US Market


1 Year Return

-2.8%

OTCPK:DLMV

-14.8%

US Banks

0.2%

US Market

DLMV outperformed the Banks industry which returned -15.3% over the past year.

DLMV underperformed the Market in United States of America which returned -0.7% over the past year.


Share holder returns

DLMVIndustryMarket
7 Day-0.1%2.4%2.9%
30 Day-1.0%-6.3%-2.3%
90 Day-2.8%-2.1%3.1%
1 Year-0.9%-2.8%-12.4%-14.8%2.4%0.2%
3 Year44.3%41.6%41.7%32.0%41.7%32.4%
5 Year105.6%101.8%52.2%35.7%55.1%37.9%

Price Volatility Vs. Market

How volatile is Delmarva Bancshares's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

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

13.36x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Delmarva Bancshares to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Delmarva Bancshares to establish if it is available at substantial discount.


Price Based on Earnings

Delmarva Bancshares is overvalued based on earnings compared to the US Banks industry average.

Delmarva Bancshares is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Delmarva Bancshares, we can't assess if its growth is good value.


Price Based on Value of Assets

Delmarva Bancshares is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Delmarva Bancshares expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

11.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Delmarva Bancshares is high growth as no revenue estimate data is available.

Delmarva Bancshares's earnings are expected to grow by 11.1% yearly, however this is not considered high growth (20% yearly).

Unable to compare Delmarva Bancshares's revenue growth to the United States of America market average as no estimate data is available.

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

Delmarva Bancshares'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 Delmarva Bancshares will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Delmarva Bancshares performed over the past 5 years?

96.2%

Last years earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Insufficient data to establish if Delmarva Bancshares's year on year earnings growth rate was positive over the past 5 years.

Unable to compare Delmarva Bancshares's 1-year earnings growth to the 5-year average due to insufficient past data.

Delmarva Bancshares's earnings growth has exceeded the US Banks industry average in the past year (96.2% vs 33.2%).


Return on Equity

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


Return on Assets

Delmarva Bancshares 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 Delmarva Bancshares 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 Delmarva Bancshares'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

Delmarva Bancshares has an acceptable proportion of non-loan assets held.

Unable to establish if Delmarva Bancshares has a sufficient allowance for bad loans without relevant financial data.

Delmarva Bancshares's liabilities are made up of primarily low risk sources of funding.

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

Loans at Delmarva Bancshares are broadly funded by customer deposits.

Unable to establish if Delmarva Bancshares has an acceptable level of bad loans without bad loans data.


Next Steps

Dividend

What is Delmarva Bancshares's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Delmarva Bancshares's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Delmarva Bancshares's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Delmarva Bancshares has not reported any payouts.

Unable to verify if Delmarva Bancshares's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Delmarva Bancshares has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

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


CEO

Kim Liddell (58yo)

0.0yrs

Tenure

0

Mr. Kim C. Liddell serves as Chairman, President and Chief Executive Officer of 1880 Bank and of Delmarva Bancshares, Inc. Prior to that, Mr. Liddell was Chief Operating Officer and Executive Vice Presiden ...


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Steven Belote (53yo)

    Executive VP & CFO

    • Tenure: 3.1yrs
  • Kim Liddell (58yo)

    Chairman

    • Tenure: 0.0yrs
  • Greg Olinde

    Executive VP & Chief Loan Officer

    • Tenure: 0.0yrs
  • Judann Culver

    Executive VP

    • Tenure: 3.1yrs
  • Dane Schriver

    EVP & Chief Lending Officer

    • Tenure: 0.0yrs
  • William Wise

    Assistant Secretary & Director

    • Tenure: 0.0yrs

Board Members

  • Kim Liddell (58yo)

    Chairman

    • Tenure: 0.0yrs
  • E. Merryweather

    Vice Chairman of the Board

    • Tenure: 0.0yrs
  • Tom Powley

    Director

    • Tenure: 0.0yrs
  • William Brooks

    Director

    • Tenure: 0.0yrs
  • William Wise

    Assistant Secretary & Director

    • Tenure: 0.0yrs
  • John Luthy

    Director

    • Tenure: 0.0yrs

Company Information

Delmarva Bancshares, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Delmarva Bancshares, Inc.
  • Ticker: DLMV
  • Exchange: OTCPK
  • Founded: 1880
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$32.049m
  • Shares outstanding: 3.97m
  • Website: https://www.1880bank.com

Location

  • Delmarva Bancshares, Inc.
  • 304 High Street
  • Cambridge
  • Maryland
  • 21613
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
DLMVOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJul 2003

Biography

Delmarva Bancshares, Inc., through its subsidiary, 1880 Bank, provides various financial products and services to businesses and individuals in Dorchester and Talbot Counties, and surrounding areas of the  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/21 23:52
End of Day Share Price2019/08/21 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.