DNB FINANCIAL CORP /PA/
Financials · National Commercial Banks · PA · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $2.6M | $2.4M | $1.6M | $5.1M | $4.8M | $3.9M |
| Total assets | $1.16B | $1.08B | $1.07B | $748.8M | $723.3M | $661.5M |
| Total liabilities | $1.05B | $980.0M | $975.8M | $693.3M | $659.4M | $602.9M |
| Equity | $111.8M | $101.9M | $94.8M | $55.5M | $63.9M | $58.6M |
| EPS (diluted) | $0.61 | $0.57 | $0.54 | $1.79 | $1.66 | $1.36 |
| Shares out. | 4.3M | 4.3M | 2.8M | 2.8M | 2.8M | 2.7M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2018- Operating margin
- —
- Net margin
- —
- Return on equity
- 2.3%
- Return on assets
- 0.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 90.3%
- Debt / equity
- 9.36×
- Book value / share
- $26.07
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 7.0%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2018- Accruals / assets
- −1.1%clean
- Piotroski F-Score
- 4/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Thornton James HDirector | Nov 30, 2019 | D | 31,014 | — |
| Sopp Gerald FOfficer — CFO | Nov 30, 2019 | D | 20,027 | — |
| O'Donnell George DanielDirector | Nov 30, 2019 | D | 1,500 | — |
| Murray Charles ADirector | Nov 30, 2019 | D | 73,169 | — |
| Moroney Bruce EOfficer — EVP | Nov 30, 2019 | D | 18,110 | — |
| Mcgill John F JrDirector | Nov 30, 2019 | D | 35,917 | — |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsDec 2, 2019
- Other material eventOct 23, 2019
- Results of operations · Other material eventOct 23, 2019
- Shareholder voteSep 25, 2019
- Other material eventSep 6, 2019
- Other material eventAug 21, 2019
- Results of operations · Other material eventJul 23, 2019
- Entered a material agreement · Director / officer change · Amended charter or bylaws · Other material eventJun 5, 2019
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- SC 13G/AFeb 13, 2020
- SC 13G/ASEC SCHEDULE 13GJan 8, 2020
- 15-12BDec 12, 2019
- EFFECTDec 4, 2019
- 4PRIMARY DOCUMENTDec 3, 2019
- 4PRIMARY DOCUMENTDec 3, 2019
- 4PRIMARY DOCUMENTDec 3, 2019
- 4PRIMARY DOCUMENTDec 3, 2019
- 4PRIMARY DOCUMENTDec 3, 2019
- 4PRIMARY DOCUMENTDec 3, 2019
- 4PRIMARY DOCUMENTDec 3, 2019
- 4PRIMARY DOCUMENTDec 3, 2019
- 4PRIMARY DOCUMENTDec 3, 2019
- 4PRIMARY DOCUMENTDec 3, 2019
- 4/APRIMARY DOCUMENTDec 3, 2019
Event-driven situations (1)
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