Delhi Bank
Market Cap
US$49.5m
Last Updated
2019/08/23 23:35 UTC
Data Sources
Company Financials
Executive Summary
Delhi Bank Corp. operates as a bank holding company for The Delaware National Bank of Delhi that provides commercial and consumer banking services to individual and small business customers in Delaware County, New York.
Snowflake
Fundamentals
Excellent balance sheet with questionable track record.
Risks
- Delhi Bank is not covered by any analysts.
Similar Companies
Share Price & News
How has Delhi Bank's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
0%
OTCPK:DWNX
-1.8%
US Banks
-1.6%
US Market
1 Year Return
n/a
OTCPK:DWNX
-16.1%
US Banks
-3.0%
US Market
No trading data on DWNX.
No trading data on DWNX.
Share holder returns
| DWNX | Industry | Market | |
|---|---|---|---|
| 7 Day | 0% | -1.8% | -1.6% |
| 30 Day | 0.8% | -10.6% | -5.8% |
| 90 Day | 0.8% | -5.0% | 0.2% |
| 1 Year | n/a | -13.7%-16.1% | -0.8%-3.0% |
| 3 Year | 24.6%16.2% | 37.9%28.5% | 38.0%29.1% |
| 5 Year | 34.3%19.4% | 49.4%33.2% | 50.8%34.1% |
Price Volatility Vs. Market
How volatile is Delhi Bank's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Valuation
Is Delhi Bank undervalued based on future cash flows and its price relative to the stock market?
19.82x
Price to Earnings (PE) ratio
Intrinsic Value Based on Future Cash Flows
Delhi Bank's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
Delhi Bank's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
Price Based on Earnings
Delhi Bank is overvalued based on earnings compared to the US Banks industry average.
Delhi Bank is overvalued based on earnings compared to the United States of America market.
Price Based on Expected Growth
Unable to calculate PEG ratio for Delhi Bank, we can't assess if its growth is good value.
Price Based on Value of Assets
Delhi Bank is overvalued based on assets compared to the US Banks industry average.
Next Steps
Future Growth
How is Delhi Bank expected to perform in the next 1 to 3 years based on estimates from 0 analysts?
6.9%
Forecasted annual earnings growth
Earnings and Revenue Growth Estimates
Future Annual Growth Analysis
Unable to determine if Delhi Bank is high growth as no revenue estimate data is available.
Delhi Bank's earnings are expected to grow by 6.9% yearly, however this is not considered high growth (20% yearly).
Unable to compare Delhi Bank's revenue growth to the United States of America market average as no estimate data is available.
Delhi Bank's earnings growth is positive but not above the United States of America market average.
Delhi Bank'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 Delhi Bank will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
Next Steps
Past Performance
How has Delhi Bank performed over the past 5 years?
12.2%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Delhi Bank's year on year earnings growth rate has been positive over the past 5 years.
Delhi Bank's 1-year earnings growth exceeds its 5-year average (28.3% vs 12.2%)
Delhi Bank's earnings growth has not exceeded the US Banks industry average in the past year (28.3% vs 33.1%).
Return on Equity
Delhi Bank has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
Return on Assets
Delhi Bank 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 Delhi Bank 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 Delhi Bank'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
Delhi Bank has an acceptable proportion of non-loan assets held.
Delhi Bank has a low allowance for bad loans.
Delhi Bank's liabilities are made up of primarily low risk sources of funding.
Delhi Bank's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
Loans at Delhi Bank are broadly funded by customer deposits.
Delhi Bank has an acceptable level of bad loans (less than 2%).
Next Steps
Dividend
What is Delhi Bank's current dividend yield, its reliability and sustainability?
2.14%
Current Dividend Yield
Dividend Yield and Payments Analysis
Delhi Bank's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).
Delhi Bank's dividend is below the markets top 25% of dividend payers in United States of America (3.82%).
Whilst dividend payments have been stable, Delhi Bank has been paying a dividend for less than 10 years.
Dividend payments have increased, but Delhi Bank only paid a dividend in the past 8 years.
Current Payout to Shareholders
Dividends paid are well covered by earnings (2.4x coverage).
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 Delhi Bank's salary, the management and board of directors tenure and is there insider trading?
10.1yrs
Average board tenure
CEO
Pete Gioffe (45yo)
1.8yrs
Tenure
Mr. Peter V. Gioffe, also known as Pete, has been President of The Delaware National Bank Of Delhi and Delhi Bank Corp. since January 1, 2016. He serves as Chief Executive Officer at The Delaware National ...
Board Age and Tenure
10.1yrs
Average Tenure
58yo
Average Age
The average tenure for the Delhi Bank board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Insider Trading
No 3 month open market individual insider trading information.
Management Team
Pete Gioffe (45yo)
President
- Tenure: 1.8yrs
Kathryn Pawlikowski
Secretary
- Tenure: 0.0yrs
Board Members
Paul Roach (64yo)
Director
- Tenure: 18.6yrs
Bruce McKeegan (60yo)
Director
- Tenure: 19.6yrs
Michael Finberg (71yo)
Director
- Tenure: 21.6yrs
Andrew Davis (72yo)
Chairman of the Board
- Tenure: 5.6yrs
Bob Armstrong (56yo)
Director
- Tenure: 14.6yrs
Pete Gioffe (45yo)
President
- Tenure: 1.8yrs
Kristen Baxter (44yo)
Director
- Tenure: 4.6yrs
Kurt Mable (49yo)
Director
- Tenure: 2.6yrs
Company Information
Delhi Bank Corp.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: Delhi Bank Corp.
- Ticker: DWNX
- Exchange: OTCPK
- Founded: 1839
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$49.483m
- Shares outstanding: 1.53m
- Website: https://www.delhinybank.com
Number of Employees
Location
- Delhi Bank Corp.
- 124 Main Street
- PO Box 508
- Delhi
- New York
- 13753
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| DWNX | OTCPK (Pink Sheets LLC) | Yes | Common Stock | US | USD | Sep 1990 |
Biography
Delhi Bank Corp. operates as a bank holding company for The Delaware National Bank of Delhi that provides commercial and consumer banking services to individual and small business customers in Delaware Cou ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/08/23 23:35 |
| End of Day Share Price | 2019/08/22 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
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.