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Delhi Bank Corp. (DWNX)

USD21.15 +0.15 (+0.71%)
US OTC Financial Services Banks - Regional
Address 124 Main Street 13753
Delhi, NY, US
CEO Peter V. Gioffe
Website dnbd.bank
IPO 2002-12-04
CIK 927719 ISIN US2466941034

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Description

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.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD21.15 +0.15 (+0.71%)
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Volume Profile
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Liquidity & share structure
Average Volume
1.8K
Beta
-0.29
Float Shares
2.93M
Free Float %
86.5%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% +0.72% +1.69% +1.93% +1.20% +0.96% +4.98% +17.22% +54.81% +272.13%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

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By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
21.15
DCF (Unlevered) 11.45 -45.9%
DCF (Levered) 13.96 -34.0%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
-0.79
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
3 / 5
Medium
ROA Score
4 / 5
High
D/E Score
2 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
2 / 5
Medium
Operational MOAT
  • Revenue growth
    +9.2% Q1'26: +10.5% (vs Q4'24)
  • EPS growth
    +44.0% Q1'26: +57.1% (vs Q4'24)
  • FCF margin
    Q1'26: +0.0% (vs Q4'24)
  • EBIT margin
    Q1'26: +22.4% (vs Q4'24)
  • ROIC
    Q1'26: -25.1% (vs Q4'24)
  • Share dilution
    +0.1% Q1'26: +2.1% (vs Q4'24)
  • Debt / EBITDA
    Q1'26: 0.04× (vs Q4'24)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (-0.30) × ERP
WACC = 100% × Ke + 0% × Kd (3,457.6%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 11.45 Current price: 21.15
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-26 B- 3/5 3/5 3/5 3/5 4/5 1/5 1/5
2026-05-21 B- 3/5 3/5 3/5 3/5 4/5 1/5 1/5
2026-05-15 B- 3/5 3/5 3/5 3/5 4/5 1/5 1/5
2026-05-14 B- 3/5 3/5 3/5 3/5 4/5 1/5 1/5
2026-05-13 B- 3/5 3/5 3/5 3/5 4/5 1/5 1/5
2026-05-08 B- 3/5 3/5 3/5 3/5 4/5 1/5 1/5
2026-04-27 B- 2/5 3/5 3/5 3/5 3/5 1/5 1/5
2026-04-23 B 3/5 4/5 3/5 4/5 3/5 1/5 1/5
2026-04-17 B 3/5 4/5 3/5 4/5 2/5 2/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
292.9K
OE per share TTM
0.09
Owner's Yield
0.41%
Maintenance CapEx ratio
15.35%
Maint CapEx / Avg PPE
33.1%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
60.9K
Shares Outstanding
3.39M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2026-03-16 QUALIF
2026-03-12 1-A POS
2025-03-20 QUALIF
2025-03-13 1-A POS
2024-06-04 QUALIF
2024-05-31 1-A POS
2024-03-13 1-A POS
2023-03-27 QUALIF
2023-03-15 1-A POS
2022-03-21 QUALIF

Executive team

NameTitleCompensationGender
Bryan R. Boyer Treasurer male
Krystyn L. LaRochelle Secretary
Peter V. Gioffe President, Chief Executive Officer & Director male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits