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FNCB BANCORP INC (FNCB) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:FNCB - US3025781093 - Common Stock

6.75 USD
+0.34 (+5.3%)
Last: 6/28/2024, 8:00:47 PM
Fundamental Rating

3

Overall FNCB gets a fundamental rating of 3 out of 10. We evaluated FNCB against 383 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

  • FNCB had positive earnings in the past year.
  • In the past year FNCB had a positive cash flow from operations.
  • 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

  • The Return On Assets of FNCB (0.74%) is comparable to the rest of the industry.
  • With a decent Return On Equity value of 10.06%, FNCB is doing good in the industry, outperforming 62.44% of the companies in the same industry.
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

  • Looking at the Profit Margin, with a value of 24.68%, FNCB is in line with its industry, outperforming 57.56% of the companies in the same industry.
  • In the last couple of years the Profit Margin of FNCB has declined.
  • FNCB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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
  • Compared to 1 year ago, FNCB has an improved debt to assets ratio.
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.
  • 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.
  • A Debt/Equity ratio of 0.07 indicates that FNCB is not too dependend on debt financing.
  • The Debt to Equity ratio of FNCB (0.07) is better 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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1

3. Growth

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.
  • The Revenue has been growing slightly by 2.46% on average over the past years.
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

  • FNCB is valuated reasonably with a Price/Earnings ratio of 9.64.
  • Compared to the rest of the industry, the Price/Earnings ratio of FNCB is on the same level as its industry peers.
  • FNCB is valuated cheaply when we compare the Price/Earnings ratio to 27.54, which is the current average of the S&P500 Index.
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 cheaper than 81.46% of the companies 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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8

5. Dividend

5.1 Amount

  • FNCB has a Yearly Dividend Yield of 5.33%, which is a nice return.
  • FNCB's Dividend Yield is rather good when compared to the industry average which is at 2.90. FNCB pays more dividend than 85.37% of the companies in the same industry.
  • FNCB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.92.
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 paid a dividend for at least 10 years, which is a reliable track record.
  • As FNCB did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
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 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.