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20.6 (1y: +31%)
Market Cap 71.1 M P/E(ttm) 10.00
Enterprise Value 84.21 M P/B 0.92
FNBG- OTCPK (USA)
FNB Bancorp
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$20.60
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GuruFocus Financial Strength Rank measures how strong a companyย’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry		 vs
history
Cash to Debt 33.67
FNBG's Cash to Debt is ranked higher than
77% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. FNBG: 33.67 )
FNBG' s 10-Year Cash to Debt Range
Min: 0.17   Max: No Debt
Current: 33.67
Equity to Asset 0.107
FNBG's Equity to Asset is ranked higher than
64% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FNBG: 0.107 )
FNBG' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.13
Current: 0.11
0.09
0.13
Interest Coverage No Debt
FNBG's Interest Coverage is ranked higher than
77% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. FNBG: No Debt )
FNBG' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.3
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry		 vs
history
Operating margin (%) 26.10
FNBG's Operating margin (%) is ranked higher than
53% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.60 vs. FNBG: 26.10 )
FNBG' s 10-Year Operating margin (%) Range
Min: 13.8   Max: 33.3
Current: 26.1
13.8
33.3
Net-margin (%) 22
FNBG's Net-margin (%) is ranked higher than
65% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. FNBG: 22 )
FNBG' s 10-Year Net-margin (%) Range
Min: 1.8   Max: 22.5
Current: 22
1.8
22.5
ROE (%) 9.2
FNBG's ROE (%) is ranked higher than
69% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. FNBG: 9.2 )
FNBG' s 10-Year ROE (%) Range
Min: 0.9   Max: 12.2
Current: 9.2
0.9
12.2
ROA (%) 1
FNBG's ROA (%) is ranked higher than
75% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. FNBG: 1 )
FNBG' s 10-Year ROA (%) Range
Min: 0.1   Max: 1.3
Current: 1
0.1
1.3
Revenue Growth (%) 5.3
FNBG's Revenue Growth (%) is ranked higher than
80% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FNBG: 5.3 )
FNBG' s 10-Year Revenue Growth (%) Range
Min: -1.5   Max: 9.2
Current: 5.3
-1.5
9.2
EBITDA Growth (%) 57.7
FNBG's EBITDA Growth (%) is ranked higher than
98% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FNBG: 57.7 )
FNBG' s 10-Year EBITDA Growth (%) Range
Min: -34.1   Max: 57.7
Current: 57.7
-34.1
57.7
ยป FNBG's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

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Ratios

vs
industry		 vs
history
P/E(ttm) 10.00
FNBG's P/E(ttm) is ranked higher than
76% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. FNBG: 10.00 )
FNBG' s 10-Year P/E(ttm) Range
Min: 6.78   Max: 58.58
Current: 10
6.78
58.58
P/B 0.92
FNBG's P/B is ranked higher than
60% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. FNBG: 0.92 )
FNBG' s 10-Year P/B Range
Min: 0.32   Max: 2.02
Current: 0.92
0.32
2.02
P/S 1.91
FNBG's P/S is ranked higher than
64% of the 894 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. FNBG: 1.91 )
FNBG' s 10-Year P/S Range
Min: 0.64   Max: 4.22
Current: 1.91
0.64
4.22
PFCF 5.45
FNBG's PFCF is ranked higher than
58% of the 694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FNBG: 5.45 )
FNBG' s 10-Year PFCF Range
Min: 2.95   Max: 256.63
Current: 5.45
2.95
256.63
EV-to-EBIT 8.31
FNBG's EV-to-EBIT is ranked higher than
84% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.84 vs. FNBG: 8.31 )
FNBG' s 10-Year EV-to-EBIT Range
Min: 0.2   Max: 157.1
Current: 8.31
0.2
157.1
PEG 0.3
FNBG's PEG is ranked higher than
85% of the 286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. FNBG: 0.3 )
FNBG' s 10-Year PEG Range
Min: 0.35   Max: 5.24
Current: 0.3
0.35
5.24
Shiller P/E 18.22
FNBG's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. FNBG: 18.22 )
FNBG' s 10-Year Shiller P/E Range
Min: 4.27   Max: 18.32
Current: 18.22
4.27
18.32

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 0.55
FNBG's Dividend Yield is ranked lower than
65% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.59 vs. FNBG: 0.55 )
FNBG' s 10-Year Dividend Yield Range
Min: 0.37   Max: 6.99
Current: 0.55
0.37
6.99
Dividend Payout 0.1
FNBG's Dividend Payout is ranked higher than
97% of the 575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.30 vs. FNBG: 0.1 )
FNBG' s 10-Year Dividend Payout Range
Min: 0.07   Max: 1.96
Current: 0.1
0.07
1.96
Dividend growth (3y) -14
FNBG's Dividend growth (3y) is ranked lower than
84% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FNBG: -14 )
FNBG' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 0.6
Current: -14
0
0.6
Yield on cost (5-Year) 0.18
FNBG's Yield on cost (5-Year) is ranked lower than
67% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FNBG: 0.18 )
FNBG' s 10-Year Yield on cost (5-Year) Range
Min: 0.11   Max: 2.14
Current: 0.18
0.11
2.14
Share Buyback Rate -0.3
FNBG's Share Buyback Rate is ranked higher than
51% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -0.30 vs. FNBG: -0.3 )
FNBG' s 10-Year Share Buyback Rate Range
Min: 1.3   Max: -0.9
Current: -0.3

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1
FNBG's Price/Tangible Book is ranked higher than
69% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FNBG: 1 )
FNBG' s 10-Year Price/Tangible Book Range
Min: 0.4   Max: 1.8
Current: 1
0.4
1.8
Price/DCF (Projected) 0.5
FNBG's Price/DCF (Projected) is ranked higher than
64% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. FNBG: 0.5 )
FNBG' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 0.7
Current: 0.5
0.2
0.7
Price/Median PS Value 0.9
FNBG's Price/Median PS Value is ranked higher than
58% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FNBG: 0.9 )
FNBG' s 10-Year Price/Median PS Value Range
Min: 0.4   Max: 1.8
Current: 0.9
0.4
1.8
Price/Peter Lynch Fair Value 0.4
FNBG's Price/Peter Lynch Fair Value is ranked higher than
87% of the 175 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FNBG: 0.4 )
FNBG' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.4   Max: 1.1
Current: 0.4
0.4
1.1
Price/Graham Number 0.5
FNBG's Price/Graham Number is ranked higher than
72% of the 763 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FNBG: 0.5 )
FNBG' s 10-Year Price/Graham Number Range
Min: 0.4   Max: 1.3
Current: 0.5
0.4
1.3
Earnings Yield (Greenblatt) 12.00
FNBG's Earnings Yield (Greenblatt) is ranked higher than
86% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. FNBG: 12.00 )
FNBG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 580.7
Current: 12
0.6
580.7
Forward Rate of Return (Yacktman) 34.44
FNBG's Forward Rate of Return (Yacktman) is ranked higher than
89% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.38 vs. FNBG: 34.44 )
FNBG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -6.1   Max: 36.5
Current: 34.44
-6.1
36.5

Business Description

FNB Bancorp, a bank holding company was incorporated under the laws of the State of California on February 28, 2001. The Company owns all of the issued and outstanding shares of common stock of First National Bank of Northern California, a national banking association. The Bank was organized in 1963 as 'First National Bank of Daly City.' In 1995, the shareholders approved a change in the name to 'First National Bank of Northern California.' The Bank is locally owned and presently operates thirteen full service banking offices in the cities of Colma, Daly City, South San Francisco, Millbrae, Pacifica, Half Moon Bay, San Mateo, Redwood City, Pescadero, as well as its Financial District and Portola offices in San Francisco. The Bank's main business is servicing the business or commercial banking needs of individuals and small to mid-sized businesses within San Mateo and San Francisco Counties. The Bank offers a range of services to individuals and businesses in its main service area, including a full line of business financial products with services such as courier, appointment banking, and business Internet banking. The Bank offers personal and business checking and savings accounts, including individual interest-bearing negotiable orders of withdrawal, money market accounts and/or accounts combining checking and savings accounts with automatic transfer capabilities, IRA accounts, time certificates of deposit, direct deposit services and computer cash management with access through the Internet. The Bank also makes available commercial loans and standby letters of credit and construction, accounts receivable, inventory, automobile, home improvement, residential real estate, commercial real estate, single family mortgage, Small Business Administration, office equipment, leasehold improvement and consumer loans as well as overdraft protection lines of credit. In addition, the Bank sells travelers checks and cashier's checks, offers automated teller machine services tied in with major statewide and national networks and offer other customary commercial banking services. Most of First National Bank's deposits are obtained from commercial and non-profit businesses, professionals and individuals. The Company competes with approximately 82 other banking or savings institutions in its service areas. The Company's operations are subject to regulation by Federal, state and local governmental authorities and are subject to various laws and judicial and administrative decisions imposing requirements and restrictions on part or all of its operations.
Company Website
SEC Reports
Industry: Banks - Regional - US
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