FNCB BANCORP INC (FNCB) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:FNCB • US3025781093

6.75 USD
+0.34 (+5.3%)
Last: Jun 28, 2024, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, FNCB scores 3 out of 10 in our fundamental rating. FNCB was compared to 381 industry peers in the Banks industry. Both the profitability and financial health of FNCB have multiple concerns. FNCB is valued expensive and it does not seem to be growing. FNCB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year FNCB was profitable.
  • In the past year FNCB had a positive cash flow from operations.
  • In the past 5 years FNCB has always been profitable.
  • In the past 5 years FNCB always reported a positive cash flow from operatings.
FNCB Yearly Net Income VS EBIT VS OCF VS FCFFNCB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 0 5M 10M 15M 20M

1.2 Ratios

  • With a Return On Assets value of 0.74%, FNCB perfoms like the industry average, outperforming 43.41% of the companies in the same industry.
  • FNCB has a Return On Equity of 10.06%. This is in the better half of the industry: FNCB outperforms 62.44% of its industry peers.
Industry RankSector Rank
ROA 0.74%
ROE 10.06%
ROIC N/A
ROA(3y)1.05%
ROA(5y)1.02%
ROE(3y)13.33%
ROE(5y)11.63%
ROIC(3y)N/A
ROIC(5y)N/A
FNCB Yearly ROA, ROE, ROICFNCB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15

1.3 Margins

  • FNCB has a Profit Margin (24.68%) which is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of FNCB has declined.
  • The Operating Margin and Gross Margin are not available for FNCB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 24.68%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.48%
PM growth 5Y-2.94%
GM growth 3YN/A
GM growth 5YN/A
FNCB Yearly Profit, Operating, Gross MarginsFNCB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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3

2. Health

2.1 Basic Checks

  • FNCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, FNCB has more shares outstanding
  • The debt/assets ratio for FNCB has been reduced compared to a year ago.
FNCB Yearly Shares OutstandingFNCB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M
FNCB Yearly Total Debt VS Total AssetsFNCB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B

2.2 Solvency

  • FNCB has a debt to FCF ratio of 0.47. This is a very positive value and a sign of high solvency as it would only need 0.47 years to pay back of all of its debts.
  • FNCB has a Debt to FCF ratio of 0.47. This is amongst the best in the industry. FNCB outperforms 84.15% of its industry peers.
  • FNCB has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
  • FNCB has a better Debt to Equity ratio (0.07) than 78.78% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.47
Altman-Z N/A
ROIC/WACCN/A
WACC13.42%
FNCB Yearly LT Debt VS Equity VS FCFFNCB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 0 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FNCB Yearly Current Assets VS Current LiabilitesFNCB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2022 2023 200K 400K 600K 800K 1M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. Growth

3.1 Past

  • FNCB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -27.30%.
  • The Earnings Per Share has been decreasing by -3.60% on average over the past years.
  • Looking at the last year, FNCB shows a decrease in Revenue. The Revenue has decreased by -7.52% in the last year.
  • Measured over the past years, FNCB shows a small growth in Revenue. The Revenue has been growing by 2.46% on average per year.
EPS 1Y (TTM)-27.3%
EPS 3Y-4.71%
EPS 5Y-3.6%
EPS Q2Q%27.45%
Revenue 1Y (TTM)-7.52%
Revenue growth 3Y3.33%
Revenue growth 5Y2.46%
Sales Q2Q%12.04%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
FNCB Yearly Revenue VS EstimatesFNCB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M

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3

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 9.64, the valuation of FNCB can be described as very reasonable.
  • FNCB's Price/Earnings ratio is in line with the industry average.
  • When comparing the Price/Earnings ratio of FNCB to the average of the S&P500 Index (28.06), we can say FNCB is valued rather cheaply.
Industry RankSector Rank
PE 9.64
Fwd PE N/A
FNCB Price Earnings VS Forward Price EarningsFNCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of FNCB indicates a rather cheap valuation: FNCB is cheaper than 81.46% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 6.14
EV/EBITDA N/A
FNCB Per share dataFNCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 5.33%, FNCB is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.53, FNCB pays a better dividend. On top of this FNCB pays more dividend than 85.37% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, FNCB pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.33%

5.2 History

  • The dividend of FNCB is nicely growing with an annual growth rate of 16.17%!
  • FNCB has paid a dividend for at least 10 years, which is a reliable track record.
  • FNCB has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)16.17%
Div Incr Years7
Div Non Decr Years7
FNCB Yearly Dividends per shareFNCB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.1 0.2 0.3

5.3 Sustainability

  • 51.40% of the earnings are spent on dividend by FNCB. This is a bit on the high side, but may be sustainable.
  • FNCB's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP51.4%
EPS Next 2YN/A
EPS Next 3YN/A
FNCB Yearly Income VS Free CF VS DividendFNCB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 0 5M 10M 15M 20M
FNCB Dividend Payout.FNCB Dividend Payout, showing the Payout Ratio.FNCB Dividend Payout.PayoutRetained Earnings

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FNCB BANCORP INC

NASDAQ:FNCB (6/28/2024, 8:00:47 PM)

6.75

+0.34 (+5.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-26
Earnings (Next)07-26
Inst Owners0.61%
Inst Owner Change-85.97%
Ins Owners1.34%
Ins Owner Change0%
Market Cap133.65M
Revenue(TTM)56.15M
Net Income(TTM)13.86M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.33%
Yearly Dividend0.36
Dividend Growth(5Y)16.17%
DP51.4%
Div Incr Years7
Div Non Decr Years7
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 9.64
Fwd PE N/A
P/S 2.38
P/FCF 6.14
P/OCF 6.08
P/B 0.97
P/tB 0.97
EV/EBITDA N/A
EPS(TTM)0.7
EY10.37%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.1
FCFY16.29%
OCF(TTM)1.11
OCFY16.44%
SpS2.84
BVpS6.96
TBVpS6.96
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.74%
ROE 10.06%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.68%
GM N/A
FCFM 38.78%
ROA(3y)1.05%
ROA(5y)1.02%
ROE(3y)13.33%
ROE(5y)11.63%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.48%
PM growth 5Y-2.94%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.47
Debt/EBITDA N/A
Cap/Depr 16.13%
Cap/Sales 0.35%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 157.16%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC13.42%
ROIC/WACCN/A
Cap/Depr(3y)52.19%
Cap/Depr(5y)82.42%
Cap/Sales(3y)1.37%
Cap/Sales(5y)3.57%
Profit Quality(3y)106.8%
Profit Quality(5y)105.64%
High Growth Momentum
Growth
EPS 1Y (TTM)-27.3%
EPS 3Y-4.71%
EPS 5Y-3.6%
EPS Q2Q%27.45%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-7.52%
Revenue growth 3Y3.33%
Revenue growth 5Y2.46%
Sales Q2Q%12.04%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y28.99%
FCF growth 3Y-4.51%
FCF growth 5Y-1.88%
OCF growth 1Y21.06%
OCF growth 3Y-6.86%
OCF growth 5Y-7.33%

FNCB BANCORP INC / FNCB FAQ

Can you provide the ChartMill fundamental rating for FNCB BANCORP INC?

ChartMill assigns a fundamental rating of 3 / 10 to FNCB.


What is the valuation status for FNCB stock?

ChartMill assigns a valuation rating of 4 / 10 to FNCB BANCORP INC (FNCB). This can be considered as Fairly Valued.


Can you provide the profitability details for FNCB BANCORP INC?

FNCB BANCORP INC (FNCB) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for FNCB stock?

The Price/Earnings (PE) ratio for FNCB BANCORP INC (FNCB) is 9.64 and the Price/Book (PB) ratio is 0.97.


How financially healthy is FNCB BANCORP INC?

The financial health rating of FNCB BANCORP INC (FNCB) is 3 / 10.