William Hieb - DNB Financial Chairman

Chairman

Mr. William J. Hieb is President, Chief Executive Officer, Director of DNB Financial Corporation and DNB First, National Association, a subsidiary of the Company. He was a Director of the Corporation since 2005 and a Director of the Bank since 2004. has served as the Corporation and Bank President and Chief Executive Officer since April 2016. He was a Director of the Corporation since 2005 and a Director of the Bank since 2004. Mr. Hieb served as President and Chief Risk Credit Officer of the Corporation and the Bank from April 2011 to January 2016. Prior to that, Mr. Hieb served as President and Chief Operating Officer of the Corporation and the Bank from January 2005 to April 2011. Mr. Hieb is presently a member of the Wealth Management and Board Loan Committees. He was employed at First Union National Bank and predecessor banks from 1978 to 2002, and served as a Senior Vice President of First Union National Bank and as Managing Director of First Union Securities in Philadelphia. Mr. Hieb is a Board Member of the Chester County Chamber of Business and Industry, the Chester County Historical Society, the Business Leadership Organized for Catholic Schools and West Chester University President Corporationrationrate Advisory Board. Mr. Hieb has served as a Board Member of the Chester County Economic Development Council from 2008 to 2013, the Chester County Chamber of Business and Industry Foundation from 2007 to 2011, the Downingtown Area School District Education Foundation from 2009 to 2015, and the Pennsylvania Bankers Association from 2009 to 2013. Mr. Hieb served as Treasurer, Board Member, and on the Executive Committee of The Housing Partnership of Chester County from 2005 to 2012. He is a graduate of The Pennsylvania State University with a degree in Finance. He also holds Series 7, 24 and 63 securities licenses since 2016.
Age 61
Tenure 8 years
Phone610 269-1040
Webwww.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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DNB Financial Corporation operates as the bank holding company for DNB First, National Association that provides a range of commercial banking products and services to individuals and small to medium sized businesses. The company was founded in 1860 and is headquartered in Downingtown, Pennsylvania. DNB Financial is traded on Nasdaq Capital Markets in USA. DNB Financial (DNBF) is traded on NASDAQ Exchange in USA and employs 116 people.

Management Performance

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.

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 Visa could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Visa 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 Visa - 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 Visa Class A to buy it.
The correlation of Visa 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 Visa moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Visa Class A 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 Visa 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.
Pair CorrelationCorrelation Matching
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 Portfolio Dashboard module to portfolio dashboard that provides centralized access to all your investments.

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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