FNBH Bancorp, Inc. operates as the bank holding company for First National Bank in Howell that provides a range of commercial and personal banking services in Michigan.
Flawless balance sheet with proven track record.
- FNBH Bancorp is not covered by any analysts.
Share Price & News
How has FNBH Bancorp's share price performed over time and what events caused price changes?
Latest Share Price and Events
7 Day Return
1 Year Return
FNHM outperformed the Banks industry which returned -14.2% over the past year.
FNHM underperformed the Market in United States of America which returned -0.4% over the past year.
Share holder returns
Price Volatility Vs. Market
How volatile is FNBH Bancorp's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is FNBH Bancorp undervalued based on future cash flows and its price relative to the stock market?
Discount to future cash flow value
Intrinsic Value Based on Future Cash Flows
FNBH Bancorp's share price is below the future cash flow value, but not at a moderate discount (< 20%).
FNBH Bancorp's share price is below the future cash flow value, but not at a substantial discount (< 40%).
Price Based on Earnings
FNBH Bancorp is overvalued based on earnings compared to the US Banks industry average.
FNBH Bancorp is good value based on earnings compared to the United States of America market.
Price Based on Expected Growth
Unable to calculate PEG ratio for FNBH Bancorp, we can't assess if its growth is good value.
Price Based on Value of Assets
FNBH Bancorp is good value based on assets compared to the US Banks industry average.
How is FNBH Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Estimates
Future Annual Growth Analysis
Unable to determine if FNBH Bancorp is high growth as no revenue estimate data is available.
FNBH Bancorp's earnings are expected to grow by 8.9% yearly, however this is not considered high growth (20% yearly).
Unable to compare FNBH Bancorp's revenue growth to the United States of America market average as no estimate data is available.
FNBH Bancorp's earnings growth is positive but not above the United States of America market average.
FNBH Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Earnings per Share Growth Estimates
Future Return on Equity
Unable to establish if FNBH Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
How has FNBH Bancorp performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
FNBH Bancorp's year on year earnings growth rate has been positive over the past 5 years.
FNBH Bancorp's 1-year earnings growth exceeds its 5-year average (1468.7% vs 2.3%)
FNBH Bancorp's earnings growth has exceeded the US Banks industry average in the past year (1468.7% vs 33.2%).
Return on Equity
FNBH Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
Return on Assets
FNBH Bancorp used its assets more efficiently than the US Banks industry average last year based on Return on Assets.
Return on Capital Employed
Unable to establish if FNBH Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
How is FNBH Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
FNBH Bancorp has an acceptable proportion of non-loan assets held.
FNBH Bancorp has a sufficient allowance for bad loans.
FNBH Bancorp's liabilities are made up of primarily low risk sources of funding.
FNBH Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
Loans at FNBH Bancorp are broadly funded by customer deposits.
FNBH Bancorp has an acceptable level of bad loans (less than 2%).
What is FNBH Bancorp's current dividend yield, its reliability and sustainability?
Dividend Yield and Payments Analysis
Unable to evaluate FNBH Bancorp's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
Unable to evaluate FNBH Bancorp's dividend against the top 25% market benchmark as the company has not reported any payouts.
Unable to perform a dividend volatility check as FNBH Bancorp has not reported any payouts.
Unable to verify if FNBH Bancorp's dividend has been increasing as the company has not reported any payouts.
Current Payout to Shareholders
Unable to calculate sustainability of dividends as FNBH Bancorp has not reported any payouts.
Future Payout to Shareholders
Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
What is the CEO of FNBH Bancorp's salary, the management and board of directors tenure and is there insider trading?
Average management tenure
Ron Long (60yo)
Mr. Ronald L. Long, also known as Ron, serves as the Chief Executive Officer of First National Bank In Howell since May 12, 2008. Mr. Long served as the President of FNBH Bancorp Inc. and its subsidiary, F ...
CEO Compensation Analysis
Insufficient data for Ron to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Ron's compensation has been consistent with company performance over the past year, both up more than 20%.
Management Age and Tenure
The average tenure for the FNBH Bancorp management team is over 5 years, this suggests they are a seasoned and experienced team.
Board Age and Tenure
The tenure for the FNBH Bancorp board of directors is about average.
No 3 month open market individual insider trading information.
Ron Long (60yo)
- Tenure: 11.3yrs
- Compensation: $326.13k
Mark Huber (51yo)
SVP & CFO
- Tenure: 10.2yrs
- Compensation: $114.00k
Rick James (56yo)
Senior VP & Chief Risk Officer
- Tenure: 5.8yrs
Human Resources Officer & Secretary
Phil Utter (60yo)
Chairman of the Board
- Tenure: 8.8yrs
- Compensation: $17.69k
Will Dickson (32yo)
- Tenure: 5.3yrs
Harry Griffith (88yo)
Stan Dickson (66yo)
Vice Chairman of the Board
- Tenure: 8.6yrs
- Compensation: $7.75k
- Tenure: 4.0yrs
Tim Corrigan (54yo)
- Tenure: 8.6yrs
- Compensation: $13.25k
Mike Yost (70yo)
- Tenure: 22.6yrs
- Compensation: $16.50k
Bob Clemente (66yo)
- Tenure: 3.5yrs
Ron Long (60yo)
- Tenure: 11.2yrs
- Compensation: $326.13k
FNBH Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: FNBH Bancorp, Inc.
- Ticker: FNHM
- Exchange: OTCPK
- Founded: 1891
- Industry: regional banks
- Sector: banks
- Market Cap: US$61.094m
- Shares outstanding: 27.77m
- Website: Click here
Number of Employees
- FNBH Bancorp, Inc.
- 101 East Grand River
- PO Box 800
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|FNHM||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||May 2002|
FNBH Bancorp, Inc. operates as the bank holding company for First National Bank in Howell that provides a range of commercial and personal banking services in Michigan. The company accepts checking, saving ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2019/08/17 23:37|
|End of Day Share Price||2019/08/15 00:00|
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.