OTC · Banks - Regional

Delhi Bank Corp. (DWNX) Stock

$21.15 +0.00% OTC: DWNX Financial Services

Delhi Bank Corp. acts as the overarching holding entity for The Delaware National Bank of Delhi.

Valuation

MetricValue
Price$21.15
Market Cap$71.43M
P/E Ratio23.50
P/B Ratio2.33
P/S Ratio4.83
EPS (TTM)$0.90
52-Week High$21.87
52-Week Low$20.60
Dividend Yield1.94%

Financials & Margins

MetricValue
ROE9.77%
ROA0.79%
ROCE1.01%
Gross Margin74.46%
Operating Margin26.11%
Net Margin20.46%
Debt/Equity0.00
Current Ratio0.03

Annual Financials (USD)

Metric20212022202320242025
Revenue$10.0M$11.0M$14.0M$14.0M$16.0M
Operating Profit$2.0M$3.0M$4.0M$2.0M$3.0M
Net Profit$2.0M$3.0M$2.0M$2.0M$2.0M
EPS$0.62$0.76$0.56$0.50$0.72
Op Margin23.9%28.1%31.5%14.7%19.6%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$384.0M$377.0M$372.0M$368.0M$369.0M
Total Liabilities$350.0M$349.0M$343.0M$340.0M$338.0M
Cash$46.0M$29.0M$21.0M$23.0M$9.0M
Borrowings$0$0$16.0M$0$0

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$3.0M$3.0M$3.0M$3.0M$3.0M
Investing Cash Flow$-48.0M$-8.0M$5.0M$11.0M$-1.0M
Financing Cash Flow$42.0M$-1.0M$-24.0M$11.0M$-3.0M
Net Cash Flow$-1.0M$-5.0M$0$8.0M$0
Free Cash Flow$2.0M$2.0M$3.0M$2.0M$3.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.45
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y4.41%
Return 3Y9.19%
Return 5Y—

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AMFCAMB Financial Corp. $34.55 +0.14% 8.47 $30.75M 0.81%
BKUTBank of Utica $700.00 +6.38% 5.38 $35.00M 2.79%
CBFCCNB Financial Services, Inc. $80.00 +0.00% 10.51 $30.39M 1.58%
CNAFCommercial National Financial Corporation $8.46 +0.48% 12.82 $24.05M 6.15%
CNBZCNB Corporation $28.49 +0.00% 8.74 $34.49M 3.51%

About Delhi Bank Corp.

Delhi Bank Corp. acts as the overarching holding entity for The Delaware National Bank of Delhi. This financial institution delivers a spectrum of commercial banking solutions, catering to both individual clients and small businesses located within New York's Delaware County. The company offers a comprehensive array of deposit options, including various checking accounts for personal and business needs, NOW accounts, health savings accounts, money market accounts, and specialized club accounts. It also manages interest-bearing time deposits, standard savings accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs). Regarding lending, the bank provides diverse credit products. These include consumer loans for vehicles such as automobiles, motorcycles, recreational vehicles, and boats, alongside general personal loans. Its real estate financing spans residential, commercial, home improvement, rental property, vacant land, manufactured housing, and second home mortgages. Additionally, it offers commercial, construction, and agricultural loans, complemented by flexible credit lines like overdraft protection, home equity, and commercial lines of credit. Beyond traditional banking, Delhi Bank Corp. furnishes essential services such as ATM and debit card access, as well as merchant account facilities for Visa and Mastercard. It also extends professional trust and investment management services. Further customer conveniences encompass wire transfers, diverse payment processing, direct deposit, night depository services, money orders, safe deposit box rentals, telephone banking, automated clearing house (ACH) transfers, notary public services, and robust online banking capabilities. Founded in 1839, the corporation has its main office situated in Delhi, New York.

Delhi Bank Corp. is headquartered in US.

Delhi Bank Corp. (DWNX) stock trades at $21.15 with a market capitalization of $71.43M. The stock is valued at a price-to-earnings (P/E) ratio of 23.50, price-to-book of 2.33, price-to-sales of 4.83. Over the past 52 weeks the stock has ranged between $20.60 and $21.87, and currently trades 3.3% below its 52-week high. It pays a dividend yielding 1.94%.

On profitability, Delhi Bank Corp. generates a return on equity (ROE) of 9.77%, return on capital employed of 1.01%, an operating margin of 26.11%, a net profit margin of 20.46%.

Official website: www.dnbd.bank

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