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FNCB BANCORP INC (FNCB) Stock Fundamental Analysis

NASDAQ:FNCB - Nasdaq - US3025781093 - Common Stock - Currency: USD

6.75  +0.34 (+5.3%)

Fundamental Rating

3

Overall FNCB gets a fundamental rating of 3 out of 10. We evaluated FNCB against 405 industry peers in the Banks industry. FNCB has a bad profitability rating. Also its financial health evaluation is rather negative. FNCB does not seem to be growing, but still is valued expensively. FNCB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

FNCB had positive earnings in the past year.
FNCB had a positive operating cash flow in the past year.
Each year in the past 5 years FNCB has 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10M 20M 30M

1.2 Ratios

The Return On Assets of FNCB (0.74%) is comparable to the rest of the 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30 40

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 20 40 60 80 100

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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.
FNCB has more shares outstanding than it did 1 year ago.
FNCB has more shares outstanding than it did 5 years ago.
The debt/assets ratio for FNCB has been reduced compared to a year ago.
FNCB Yearly Shares OutstandingFNCB Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 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.
With an excellent Debt to FCF ratio value of 0.47, FNCB belongs to the best of the industry, outperforming 84.15% of the companies in the same industry.
A Debt/Equity ratio of 0.07 indicates that FNCB is not too dependend on debt financing.
FNCB's Debt to Equity ratio of 0.07 is fine compared to the rest of the industry. FNCB outperforms 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 2015 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 2015 2016 2017 2018 2019 2020 2022 2023 2M 4M 6M 8M 10M

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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.
FNCB shows a decrease in Revenue. In the last year, the revenue decreased by -7.52%.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M
FNCB Yearly EPS VS EstimatesFNCB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.64, which indicates a very decent valuation of FNCB.
FNCB's Price/Earnings is on the same level as the industry average.
FNCB is valuated cheaply when we compare the Price/Earnings ratio to 29.62, 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

81.46% of the companies in the same industry are more expensive than FNCB, based on the Price/Free Cash Flow ratio.
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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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 3.19. FNCB pays more dividend than 85.37% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.27, 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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10M 20M 30M
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 2024-04-26/amc
Earnings (Next)07-26 2024-07-26/amc
Inst Owners0.61%
Inst Owner Change-85.97%
Ins Owners1.34%
Ins Owner Change0%
Market Cap133.65M
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
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
ROICexcg growth 3YN/A
ROICexcg 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%