OTCPK:FIDS

Stock Analysis Report

Executive Summary

FNB, Inc. operates as the bank holding company for The First National Bank of Dennison that provides personal and business banking products in Ohio.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

0%

FIDS

4.1%

US Banks

1.0%

US Market


1 Year Return

25.9%

FIDS

7.2%

US Banks

8.0%

US Market

Return vs Industry: FIDS exceeded the US Banks industry which returned 7.2% over the past year.

Return vs Market: FIDS exceeded the US Market which returned 8% over the past year.


Shareholder returns

FIDSIndustryMarket
7 Day0%4.1%1.0%
30 Day19.7%2.8%-0.07%
90 Dayn/a2.9%-1.0%
1 Year32.5%25.9%10.3%7.2%10.4%8.0%
3 Year30.2%13.7%53.9%43.3%46.2%36.7%
5 Year38.3%12.9%71.9%53.1%64.3%46.2%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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


In this section, we usually try to help investors determine whether FNB is trading at an attractive price based on the cash flow it is expected to produce in the future. But as FNB has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of FIDS’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through FNB regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

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

0.6%

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 FNB 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.


Next Steps

  • Take a look at our analysis of FIDS’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access FNB's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has FNB performed over the past 5 years?

15.6%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, FNB has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

  • When a company lacks a financial track record, its management’s track record becomes important. Corporate governance also plays an important role in a young business as board members are seen as highly-experienced leaders to help steer the company into the future. Take a look at FNB's' management and board experience and expertise to assess their ability to deliver on their strategic promises.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access FNB's filings and announcements here.
  • Explore strong past performing companies in the Banks industry.

Financial Health

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


In this section we usually analyse FNB's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. FNB has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of FIDS’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when FNB's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is FNB's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

companyn/amarketbottom25%1.4%markettop25%3.7%industryaverage3.0%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: Unable to evaluate FIDS's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate FIDS's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.

Stable Dividend: Insufficient data to determine if FIDS's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if FIDS's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of FIDS's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

What is the CEO of FNB's salary, the management and board of directors tenure and is there insider trading?

15.6yrs

Average board tenure


CEO

Blair Hillyer 0

0yrs

Tenure

0

Mr. Blair A. Hillyer serves as the Chairman at First National Bank Of Dennison Inc. and has also been its Chief Executive Officer since 1981. Mr. Hillyer serves as the Chairman, Chief Executive Officer and ...


Board Age and Tenure

15.6yrs

Average Tenure

Experienced Board: FIDS's board of directors are seasoned and experienced ( 15.6 years average tenure).


Insider Trading

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


Management Team

  • Blair Hillyer

    Chairman

    • Tenure: 0yrs
  • John Bartles

    Secretary

    • Tenure: 0yrs

Board Members

  • Joseph Martinelli

    Director

    • Tenure: 16.8yrs
  • Larry Mosher

    Director

    • Tenure: 3.6yrs
  • Greg DiDonato

    Director

    • Tenure: 14.5yrs
  • Blair Hillyer

    Chairman

    • Tenure: 0yrs
  • Doug Peterman

    Director

    • Tenure: 0yrs
  • Keith Willoughby

    Director

    • Tenure: 5.7yrs
  • Nichole Zesiger

    Director

    • Tenure: 4.8yrs
  • Jay Tolloti

    Director

    • Tenure: 20.8yrs
  • Lee Novak

    Director

    • Tenure: 29.8yrs
  • William Ferris

    Director

    • Tenure: 16.8yrs

Company Information

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


Key Information

  • Name: FNB, Inc.
  • Ticker: FIDS
  • Exchange: OTCPK
  • Founded: 1874
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$27.542m
  • Shares outstanding: 692.00k
  • Website: https://www.fnbdennison.com

Location

  • FNB, Inc.
  • 105 Grant Street
  • PO Box 31
  • Dennison
  • Ohio
  • 44621
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
FIDSOTCPK (Pink Sheets LLC)YesCommon StocksUSUSDOct 1995

Biography

FNB, Inc. operates as the bank holding company for The First National Bank of Dennison that provides personal and business banking products in Ohio. Its products and services include checking, savings, cer ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/21 23:35
End of Day Share Price2019/10/10 00:00
EarningsN/A
Annual EarningsN/A


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.