How does FNBT's PE Ratio compare to its peers?

FNBT is expensive based on its Price-To-Earnings Ratio (114.5x) compared to the peer average (13.5x).

How does FNBT's PE Ratio compare vs other companies in the US Banks Industry?

FNBT is expensive based on its Price-To-Earnings Ratio (114.5x) compared to the US Banks industry average (12.4x).

What is FNBT's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate FNBT's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of FNBT when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

FNBT ($26.75) is trading above our estimate of [[fair value]] ($14.62)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

FNBT Stock Overview

Operates as the holding company for FineMark National Bank & Trust that provides various banking products and financial services to individual and corporate clients. More details

FNBT fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	1/6
Financial Health	6/6
Dividends	0/6

Risk Analysis

Earnings have declined by 17.6% per year over past 5 years

Profit margins (3.3%) are lower than last year (9.1%)

My Notes

Capture your thoughts, links and company narrative

FineMark Holdings, Inc. Competitors

Oakworth Capital

OTCPK:OAKC

US$155.7m

Bank of N.T. Butterfield & Son

NYSE:NTB

US$1.6b

CIB Marine Bancshares

OTCPK:CIBH

US$36.9m

Inter & Co

NasdaqGS:INTR

US$1.9b

Price History & Performance

Summary of share price highs, lows and changes for FineMark Holdings
Historical stock prices
Current Share Price	US$26.75
52 Week High	US$28.00
52 Week Low	US$24.05
Beta	0.34
1 Month Change	-1.11%
3 Month Change	1.13%
1 Year Change	11.46%
3 Year Change	-20.15%
5 Year Change	6.57%
Change since IPO	-10.83%

Recent updates

Shareholder Returns

	FNBT	US Banks	US Market
7D	-0.9%	-3.4%	-2.4%
1Y	11.5%	29.1%	23.4%

Return vs Industry: FNBT underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: FNBT underperformed the US Market which returned 23.4% over the past year.

Price Volatility

Is FNBT's price volatile compared to industry and market?
FNBT volatility
FNBT Average Weekly Movement	1.3%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	3.1%

Stable Share Price: FNBT has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: FNBT's weekly volatility (1%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
2006	n/a	Joe Catti	www.finemarkbank.com

FineMark Holdings, Inc. operates as the holding company for FineMark National Bank & Trust that provides various banking products and financial services to individual and corporate clients. The company offers checking, savings, money market, health savings, individual retirement, repurchase, and interest on lawyer trust and trust accounts; certificates of deposit; and debit and credit cards. It provides construction, home equity, home purchase, refinance, aircraft and marine, consumer goods, business expansion and working capital, and equipment purchase loans; line and letter of credit; loans secured by marketable securities; investment properties, mixed-use building, multi-family residential, and owner and non-owner-occupied lending serveries; and safe, deposit boxes, online service integration, and text and email alerts.

FineMark Holdings, Inc. Fundamentals Summary

How do FineMark Holdings's earnings and revenue compare to its market cap?
FNBT fundamental statistics
Market cap	US$324.22m
Earnings (TTM)	US$2.83m
Revenue (TTM)	US$85.50m

114.5x

P/E Ratio

0.9x

P/B Ratio

Is FNBT overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FNBT income statement (TTM)
Revenue	US$85.50m
Cost of Revenue	US$0
Gross Profit	US$85.50m
Other Expenses	US$82.67m
Earnings	US$2.83m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.23
Gross Margin	100.00%
Net Profit Margin	3.31%
Debt/Equity Ratio	226.4%

How did FNBT perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/22 07:32
End of Day Share Price	2024/12/18 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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 here.

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 .

Analyst Sources

FineMark Holdings, Inc. 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.

Analyst	Institution

FineMark Holdings OTCPK:FNBT Stock Report