Charles Murray - DNB Financial Director
Director
Mr. Charles A. Murray is Independent Director of the Company. HE was a Director since 2016. He is currently Chairman of the Information Technology Committee and serves on the Audit and Board Loan Committees. Mr. Murray is a private investor who supplies capital, advisory and managerial support and strategic relations to early stage companies using the ecommerce environment to enhance their businesstobusiness relationship. Mr. Murray served as Chief Executive Officer of Actium Corporation, a firm that provided expert systems integration and consulting services to help clients solve business critical, time sensitive technology needs, from 1987 to 1999. He also previously served in sales and management positions for several technology companies, including Honeywell and Digital Equipment Corporation since 2016.
| Age | 56 |
| Tenure | 8 years |
| Professional Marks | MBA |
| Phone | 610 269-1040 |
| Web | www.dnbfirst.com |
DNB Financial Management Efficiency
DNB Financial's management efficiency ratios could be used to measure how well DNB Financial manages its routine affairs as well as how well it operates its assets and liabilities.The company currently holds 54.46 M in liabilities with Debt to Equity (D/E) ratio of 12.5, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist DNB Financial until it has trouble settling it off, either with new capital or with free cash flow. So, DNB Financial's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like DNB Financial sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for DNB to invest in growth at high rates of return. When we think about DNB Financial's use of debt, we should always consider it together with cash and equity.
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Management Performance
| Return On Equity | 0.0011 | |||
| Return On Asset | 0.0076 |
DNB Financial Leadership Team
Elected by the shareholders, the DNB Financial's board of directors comprises two types of representatives: DNB Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of DNB. The board's role is to monitor DNB Financial's management team and ensure that shareholders' interests are well served. DNB Financial's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, DNB Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
| James Thornton, Independent Director | ||
| Daniel ODonnell, Director | ||
| Thomas Fillippo, Independent Director | ||
| Jonathan McGrain, Sr. VP, Director of Sales and Marketing, Sr. VP of DNB First, National Association, and Director of Sales and Marketing for DNB First, National Associationl | ||
| Kline, Interim Chief Commercial Lending Officer | ||
| James Biery, Director | ||
| Mildred Joyner, Independent Director | ||
| John McGill, Vice Chairman of the Board | ||
| Gerard Griesser, Independent Director | ||
| Albert Melfi, Chief Lending Officer, Executive VP, Chief Lending Officer of DNB First National Association and Executive VP of DNB First National Association | ||
| James Koegel, Independent Director | ||
| Gerald Sopp, CFO, Executive VP, Corporate Secretary, CFO of DNB First National Association, Executive VP of DNB First National Association and Corporate Secretary of DNB First National Association | ||
| Christopher McGill, Executive Vice President Chief Commercial Lending Officer of the Corporation and the Bank | ||
| Vince Liuzzi, Executive Vice President Chief Banking Officer | ||
| James Malloy, Chief Commercial Lending Officer | ||
| Tomlinson III, Sr. VP and Sr. Credit Officer | ||
| Peter Barsz, Director | ||
| William Hieb, Interim CEO and President Chief Risk and Credit Officer, Director, Chairman of Wealth Management Committee, Member of Board Loan Committee, Interim CEO of Dnb First, National Association and President of Downingtown National Bank, COO of DNB First National Association, Chief Credit Officer of NBB First National Association and Director of DNB First National Association | ||
| Mary Latoff, Director | ||
| Charles Murray, Director |
DNB Stock Performance Indicators
The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is DNB Financial a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
| Return On Equity | 0.0011 | |||
| Return On Asset | 0.0076 | |||
| Profit Margin | 0 % | |||
| Operating Margin | 34.66 % | |||
| Current Valuation | 236.92 M | |||
| Shares Outstanding | 4.33 M | |||
| Shares Owned By Insiders | 28.36 % | |||
| Shares Owned By Institutions | 33.50 % | |||
| Number Of Shares Shorted | 23.55 K | |||
| Price To Earning | 18.09 X |
Pair Trading with DNB Financial
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if DNB Financial position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in DNB Financial will appreciate offsetting losses from the drop in the long position's value.The ability to find closely correlated positions to SentinelOne could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace SentinelOne when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back SentinelOne - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling SentinelOne to buy it.
The correlation of SentinelOne is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as SentinelOne moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if SentinelOne moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for SentinelOne can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Check out Investing Opportunities to better understand how to build diversified portfolios. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in bureau of labor statistics. Note that the DNB Financial information on this page should be used as a complementary analysis to other DNB Financial's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Watchlist Optimization module to optimize watchlists to build efficient portfolios or rebalance existing positions based on the mean-variance optimization algorithm.
Other Consideration for investing in DNB Stock
If you are still planning to invest in DNB Financial check if it may still be traded through OTC markets such as Pink Sheets or OTC Bulletin Board. You may also purchase it directly from the company, but this is not always possible and may require contacting the company directly. Please note that delisted stocks are often considered to be more risky investments, as they are no longer subject to the same regulatory and reporting requirements as listed stocks. Therefore, it is essential to carefully research the DNB Financial's history and understand the potential risks before investing.
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