FCN Banc (FBVI) Stock Overview

Operates as the bank holding company for FCN Bank, NA that provides personal and commercial banking services in southeast Indiana and southwest Ohio. More details

FBVI fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	4/6
Financial Health	4/6
Dividends	4/6

Rewards

Trading at 48.1% below our estimate of its fair value

Earnings grew by 44.5% over the past year

Risk Analysis

Earnings have declined by 16.7% per year over past 5 years

Shares are highly illiquid

Unstable dividend track record

Does not have a meaningful market cap ($47M)

FBVI Community Fair Values

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FCN Banc Corp. Competitors

Price History & Performance

Summary of share price highs, lows and changes for FCN Banc
Historical stock prices
Current Share Price	US$29.26
52 Week High	US$30.00
52 Week Low	US$26.50
Beta	0.18
1 Month Change	-0.85%
3 Month Change	4.50%
1 Year Change	0.90%
3 Year Change	-24.97%
5 Year Change	n/a
Change since IPO	-13.94%

Recent updates

Shareholder Returns

	FBVI	US Banks	US Market
7D	0%	-2.5%	1.2%
1Y	0.9%	28.9%	17.7%

Return vs Industry: FBVI underperformed the US Banks industry which returned 28.9% over the past year.

Return vs Market: FBVI underperformed the US Market which returned 17.9% over the past year.

Price Volatility

Is FBVI's price volatile compared to industry and market?
FBVI volatility
FBVI Average Weekly Movement	n/a
Banks Industry Average Movement	3.5%
Market Average Movement	6.4%
10% most volatile stocks in US Market	17.3%
10% least volatile stocks in US Market	3.0%

Stable Share Price: FBVI's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine FBVI's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1901	n/a	Tom Horninger	www.fcnbank.com

FCN Banc Corp. operates as the bank holding company for FCN Bank, NA that provides personal and commercial banking services in southeast Indiana and southwest Ohio. It offers checking, savings, individual retirement, sweep, money market, and health savings accounts, as well as certificates of deposits. The company also provides home buyer, home equity, construction, and refinance loans; commercial real estate, auto, small business, and farm loans; small business administration financing; working capital lines of credit and home equity line of credit; and 1-4 family residential, multi-family, and nonfarm nonresidential real estate loans, as well as mortgages.

FCN Banc Corp. Fundamentals Summary

How do FCN Banc's earnings and revenue compare to its market cap?
FBVI fundamental statistics
Market cap	US$46.88m
Earnings (TTM)	US$5.57m
Revenue (TTM)	US$22.25m

8.4x

P/E Ratio

0.9x

P/B Ratio

Is FBVI overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FBVI income statement (TTM)
Revenue	US$22.25m
Cost of Revenue	US$0
Gross Profit	US$22.25m
Other Expenses	US$16.68m
Earnings	US$5.57m

Last Reported Earnings

Jun 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	3.48
Gross Margin	100.00%
Net Profit Margin	25.05%
Debt/Equity Ratio	46.8%

How did FBVI perform over the long term?

See historical performance and comparison

Dividends

4.8%

Current Dividend Yield

49%

Payout Ratio

Does FBVI pay a reliable dividends?

See FBVI dividend history and benchmarks

When do you need to buy FBVI by to receive an upcoming dividend?
FCN Banc dividend dates
Ex Dividend Date	Sep 25 2025
Dividend Pay Date	Oct 10 2025
Days until Ex dividend	11 days
Days until Dividend pay date	4 days

Does FBVI pay a reliable dividends?

See FBVI dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/10/04 14:32
End of Day Share Price	2025/09/17 00:00
Earnings	2025/06/30
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

FCN Banc Corp. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

FCN Banc Corp.OTCPK:FBVI Stock Report