FNCB BANCORP INC (FNCB) Fundamental Analysis & Valuation

NASDAQ:FNCB • US3025781093

Current stock price

6.75 USD
+0.34 (+5.3%)
Last:

This FNCB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. FNCB Profitability Analysis

1.1 Basic Checks

  • In the past year FNCB was profitable.
  • FNCB had a positive operating cash flow in the past year.
  • In the past 5 years FNCB has always been profitable.
  • FNCB had a positive operating cash flow in each of the past 5 years.
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

  • Looking at the Return On Assets, with a value of 0.74%, FNCB is in line with its industry, outperforming 43.41% of the companies in the same industry.
  • The Return On Equity of FNCB (10.06%) is better than 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

  • The Profit Margin of FNCB (24.68%) 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. FNCB Health Analysis

2.1 Basic Checks

  • FNCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for FNCB has been increased compared to 1 year ago.
  • FNCB has a better debt/assets ratio than last year.
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

  • The Debt to FCF ratio of FNCB is 0.47, which is an excellent value as it means it would take FNCB, only 0.47 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of FNCB (0.47) is better than 84.15% of its industry peers.
  • A Debt/Equity ratio of 0.07 indicates that FNCB is not too dependend on debt financing.
  • 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. FNCB Growth Analysis

3.1 Past

  • The earnings per share for FNCB have decreased strongly by -27.30% in the last year.
  • Measured over the past years, FNCB shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.60% on average per year.
  • The Revenue has decreased by -7.52% in the past year.
  • FNCB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.46% yearly.
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. FNCB Valuation Analysis

4.1 Price/Earnings Ratio

  • FNCB is valuated reasonably with a Price/Earnings ratio of 9.64.
  • The rest of the industry has a similar Price/Earnings ratio as FNCB.
  • FNCB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.71.
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

  • Based on the Price/Free Cash Flow ratio, FNCB is valued cheaply inside the industry as 81.46% of the companies are valued more expensively.
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. FNCB Dividend Analysis

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 2.57, 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 1.81, FNCB pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.33%

5.2 History

  • On average, the dividend of FNCB grows each year by 16.17%, which is quite nice.
  • FNCB has been paying a dividend for at least 10 years, so it has 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.
  • The Dividend Rate of FNCB has been growing, while earnings will be declining. 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 Fundamentals: All Metrics, Ratios and Statistics

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 Number0 (-100%)
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 Fundamental Analysis FAQ

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

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


Can you provide the valuation status for FNCB BANCORP INC?

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


What is the profitability of FNCB stock?

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


How sustainable is the dividend of FNCB BANCORP INC (FNCB) stock?

The dividend rating of FNCB BANCORP INC (FNCB) is 8 / 10 and the dividend payout ratio is 51.4%.