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Market Cap

US$144.7m

Last Updated

2021/05/12 22:50 UTC

Data Sources

Company Financials

Executive Summary

FNCB Bancorp, Inc. operates as the bank holding company for FNCB Bank that provides retail and commercial banking services to individuals, businesses, local governments, and municipalities in Northeastern Pennsylvania. More Details


Snowflake Analysis

Flawless balance sheet and undervalued.


Similar Companies

Share Price & News

How has FNCB Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: FNCB is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 7% a week.

Volatility Over Time: FNCB's weekly volatility (7%) has been stable over the past year.


Market Performance


7 Day Return

2.4%

FNCB

-0.9%

US Banks

-2.8%

US Market


1 Year Return

31.4%

FNCB

94.7%

US Banks

49.4%

US Market

Return vs Industry: FNCB underperformed the US Banks industry which returned 88.6% over the past year.

Return vs Market: FNCB underperformed the US Market which returned 48.6% over the past year.


Shareholder returns

FNCBIndustryMarket
7 Day2.4%-0.9%-2.8%
30 Day1.7%2.7%-2.3%
90 Day-3.9%18.2%-1.3%
1 Year36.1%31.4%100.6%94.7%51.8%49.4%
3 Year-18.0%-24.5%25.5%14.8%57.5%47.6%
5 Year41.2%26.8%107.8%81.7%121.7%97.1%

Long-Term Price Volatility Vs. Market

How volatile is FNCB Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is FNCB Bancorp undervalued compared to its fair value and its price relative to the market?

46.6%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: FNCB ($7.15) is trading below our estimate of fair value ($13.38)

Significantly Below Fair Value: FNCB is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: FNCB is good value based on its PE Ratio (7.6x) compared to the US Banks industry average (12.1x).

PE vs Market: FNCB is good value based on its PE Ratio (7.6x) compared to the US market (19.9x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate FNCB's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: FNCB is good value based on its PB Ratio (0.9x) compared to the US Banks industry average (1.1x).


Future Growth

How is FNCB Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.2%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as FNCB Bancorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Past Performance

How has FNCB Bancorp performed over the past 5 years?

-11.8%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: FNCB has high quality earnings.

Growing Profit Margin: FNCB's current net profit margins (37.3%) are higher than last year (24.9%).


Past Earnings Growth Analysis

Earnings Trend: FNCB's earnings have declined by 11.8% per year over the past 5 years.

Accelerating Growth: FNCB's earnings growth over the past year (82%) exceeds its 5-year average (-11.8% per year).

Earnings vs Industry: FNCB earnings growth over the past year (82%) exceeded the Banks industry 17.6%.


Return on Equity

High ROE: FNCB's Return on Equity (12.3%) is considered low.


Financial Health

How is FNCB Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: FNCB's Assets to Equity ratio (9.7x) is low.

Allowance for Bad Loans: FNCB has a sufficient allowance for bad loans (249%).

Low Risk Liabilities: 98% of FNCB's liabilities are made up of primarily low risk sources of funding.

Loan Level: FNCB has an appropriate level of Loans to Assets ratio (61%).

Low Risk Deposits: FNCB's Loans to Deposits ratio (70%) is appropriate.

Level of Bad Loans: FNCB has an appropriate level of bad loans (0.5%).


Dividend

What is FNCB Bancorp current dividend yield, its reliability and sustainability?

3.36%

Current Dividend Yield


Upcoming Dividend Payment

TodayMay 13 2021Ex Dividend DateMay 28 2021Dividend Pay DateJun 15 202118 days from Ex DividendBuy in the next 14 days to receive the upcoming dividend

Dividend Yield vs Market

Notable Dividend: FNCB's dividend (3.36%) is higher than the bottom 25% of dividend payers in the US market (1.25%).

High Dividend: FNCB's dividend (3.36%) is low compared to the top 25% of dividend payers in the US market (3.43%).


Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, FNCB has been paying a dividend for less than 10 years.

Growing Dividend: FNCB's dividend payments have increased, but the company has only paid a dividend for 5 years.


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (23.8%), FNCB's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

6.8yrs

Average management tenure


CEO

Jerry Champi (59 yo)

4.83yrs

Tenure

US$698,498

Compensation

Mr. Gerard A. Champi, also known as Jerry, has been Director, President and Chief Executive Officer of FNCB Bancorp, Inc. and FNCB Bank since July 01, 2016. Mr. Champi was Chief Operating Officer of FNCB B...


CEO Compensation Analysis

Compensation vs Market: Jerry's total compensation ($USD698.50K) is above average for companies of similar size in the US market ($USD535.28K).

Compensation vs Earnings: Jerry's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: FNCB's management team is seasoned and experienced (6.8 years average tenure).


Board Members

Experienced Board: FNCB's board of directors are considered experienced (6.7 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

FNCB Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: FNCB Bancorp, Inc.
  • Ticker: FNCB
  • Exchange: NasdaqCM
  • Founded: 1910
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$144.721m
  • Shares outstanding: 20.24m
  • Website: https://www.fncb.com

Number of Employees


Location

  • FNCB Bancorp, Inc.
  • 102 East Drinker Street
  • Dunmore
  • Pennsylvania
  • 18512
  • United States

Listings


Biography

FNCB Bancorp, Inc. operates as the bank holding company for FNCB Bank that provides retail and commercial banking services to individuals, businesses, local governments, and municipalities in Northeastern ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/05/12 22:50
End of Day Share Price2021/05/12 00:00
Earnings2021/03/31
Annual Earnings2020/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.