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GuruFocus Financial Strength Rank measures how strong a company’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 : 6/10

vs
industry
vs
history
Cash to Debt 0.89
FNBG's Cash to Debt is ranked higher than
72% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. FNBG: 0.89 )
FNBG' s 10-Year Cash to Debt Range
Min: 0.17   Max: No Debt
Current: 0.89

Equity to Asset 0.10
FNBG's Equity to Asset is ranked higher than
72% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FNBG: 0.10 )
FNBG' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.13
Current: 0.1

0.1
0.13
Interest Coverage 3.66
FNBG's Interest Coverage is ranked higher than
86% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. FNBG: 3.66 )
FNBG' s 10-Year Interest Coverage Range
Min: 0.4   Max: 3.83
Current: 3.66

0.4
3.83
F-Score: 5
Z-Score: 0.22
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’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.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

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 (%) 27.82
FNBG's Operating margin (%) is ranked higher than
73% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. FNBG: 27.82 )
FNBG' s 10-Year Operating margin (%) Range
Min: 0.04   Max: 29.73
Current: 27.82

0.04
29.73
Net-margin (%) 18.66
FNBG's Net-margin (%) is ranked higher than
70% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. FNBG: 18.66 )
FNBG' s 10-Year Net-margin (%) Range
Min: 1.84   Max: 22
Current: 18.66

1.84
22
ROE (%) 7.95
FNBG's ROE (%) is ranked higher than
73% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. FNBG: 7.95 )
FNBG' s 10-Year ROE (%) Range
Min: 0.81   Max: 12.93
Current: 7.95

0.81
12.93
ROA (%) 0.80
FNBG's ROA (%) is ranked higher than
73% of the 2019 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FNBG: 0.80 )
FNBG' s 10-Year ROA (%) Range
Min: 0.09   Max: 1.32
Current: 0.8

0.09
1.32
ROC (Joel Greenblatt) (%) 88.72
FNBG's ROC (Joel Greenblatt) (%) is ranked higher than
78% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.96 vs. FNBG: 88.72 )
FNBG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 0.1   Max: 112.13
Current: 88.72

0.1
112.13
Revenue Growth (%) 3.90
FNBG's Revenue Growth (%) is ranked higher than
83% of the 1727 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FNBG: 3.90 )
FNBG' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 9.8
Current: 3.9

0
9.8
EBITDA Growth (%) 17.10
FNBG's EBITDA Growth (%) is ranked higher than
87% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. FNBG: 17.10 )
FNBG' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 83.8
Current: 17.1

0
83.8
EPS Growth (%) 32.80
FNBG's EPS Growth (%) is ranked higher than
93% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. FNBG: 32.80 )
FNBG' s 10-Year EPS Growth (%) Range
Min: -23.8   Max: 32.8
Current: 32.8

-23.8
32.8
» FNBG's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with FNBG

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Ratios

vs
industry
vs
history
P/E(ttm) 16.30
FNBG's P/E(ttm) is ranked higher than
76% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.50 vs. FNBG: 16.30 )
FNBG' s 10-Year P/E(ttm) Range
Min: 6.76   Max: 58.77
Current: 16.3

6.76
58.77
P/B 1.20
FNBG's P/B is ranked higher than
75% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. FNBG: 1.20 )
FNBG' s 10-Year P/B Range
Min: 0.32   Max: 2.1
Current: 1.2

0.32
2.1
P/S 3.00
FNBG's P/S is ranked higher than
79% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. FNBG: 3.00 )
FNBG' s 10-Year P/S Range
Min: 0.65   Max: 15.74
Current: 3

0.65
15.74
PFCF 11.00
FNBG's PFCF is ranked higher than
88% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FNBG: 11.00 )
FNBG' s 10-Year PFCF Range
Min: 2.98   Max: 171.47
Current: 11

2.98
171.47
EV-to-EBIT 10.81
FNBG's EV-to-EBIT is ranked higher than
87% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.80 vs. FNBG: 10.81 )
FNBG' s 10-Year EV-to-EBIT Range
Min: -142.8   Max: 373.6
Current: 10.81

-142.8
373.6
PEG 0.33
FNBG's PEG is ranked higher than
98% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FNBG: 0.33 )
FNBG' s 10-Year PEG Range
Min: 0.28   Max: 8.46
Current: 0.33

0.28
8.46
Shiller P/E 23.80
FNBG's Shiller P/E is ranked higher than
82% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FNBG: 23.80 )
FNBG' s 10-Year Shiller P/E Range
Min: 4.25   Max: 25.66
Current: 23.8

4.25
25.66

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.50
FNBG's Dividend Yield is ranked lower than
66% of the 1871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.25 vs. FNBG: 1.50 )
FNBG' s 10-Year Dividend Yield Range
Min: 0.37   Max: 6.99
Current: 1.5

0.37
6.99
Dividend Payout 0.23
FNBG's Dividend Payout is ranked higher than
83% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. FNBG: 0.23 )
FNBG' s 10-Year Dividend Payout Range
Min: 0.05   Max: 0.49
Current: 0.23

0.05
0.49
Dividend growth (3y) 40.80
FNBG's Dividend growth (3y) is ranked higher than
95% of the 1118 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. FNBG: 40.80 )
FNBG' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 40.8
Current: 40.8

0
40.8
Yield on cost (5-Year) 1.99
FNBG's Yield on cost (5-Year) is ranked lower than
58% of the 1883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. FNBG: 1.99 )
FNBG' s 10-Year Yield on cost (5-Year) Range
Min: 0.49   Max: 9.27
Current: 1.99

0.49
9.27
Share Buyback Rate -1.30
FNBG's Share Buyback Rate is ranked higher than
75% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. FNBG: -1.30 )
FNBG' s 10-Year Share Buyback Rate Range
Min: 1.7   Max: -1.3
Current: -1.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.30
FNBG's Price/Tangible Book is ranked higher than
79% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. FNBG: 1.30 )
FNBG' s 10-Year Price/Tangible Book Range
Min: 0.35   Max: 2.11
Current: 1.3

0.35
2.11
Price/DCF (Projected) 0.80
FNBG's Price/DCF (Projected) is ranked higher than
83% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.54 vs. FNBG: 0.80 )
FNBG' s 10-Year Price/DCF (Projected) Range
Min: 0.21   Max: 0.89
Current: 0.8

0.21
0.89
Price/Median PS Value 1.30
FNBG's Price/Median PS Value is ranked higher than
70% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. FNBG: 1.30 )
FNBG' s 10-Year Price/Median PS Value Range
Min: 0.31   Max: 5.01
Current: 1.3

0.31
5.01
Price/Peter Lynch Fair Value 0.70
FNBG's Price/Peter Lynch Fair Value is ranked higher than
96% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FNBG: 0.70 )
FNBG' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.39   Max: 1.77
Current: 0.7

0.39
1.77
Price/Graham Number 0.90
FNBG's Price/Graham Number is ranked higher than
80% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. FNBG: 0.90 )
FNBG' s 10-Year Price/Graham Number Range
Min: 0.34   Max: 1.36
Current: 0.9

0.34
1.36
Earnings Yield (Greenblatt) 9.30
FNBG's Earnings Yield (Greenblatt) is ranked higher than
84% of the 1973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FNBG: 9.30 )
FNBG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 587.2
Current: 9.3

0.3
587.2
Forward Rate of Return (Yacktman) 36.59
FNBG's Forward Rate of Return (Yacktman) is ranked higher than
88% of the 1512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.69 vs. FNBG: 36.59 )
FNBG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -3.5   Max: 48.1
Current: 36.59

-3.5
48.1

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
FNB Bancorp is a bank holding company incorporated under the laws of the State of California on February 28, 2001. The Company along with its wholly owned subsidiary, the Bank, provides traditional banking services in San Mateo and San Francisco counties, and operates a loan production office in Santa Clara county. The Bank is locally owned and presently operates eleven full service banking offices in the cities of Daly City, South San Francisco, Millbrae, Pacifica, Half Moon Bay, San Mateo, Redwood City, Pescadero, and 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 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 provides personal and business checking and savings accounts, including individual interest-bearing negotiable orders of withdrawal, money market accounts and 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 statewide and national networks and offer other customary commercial banking services. 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.
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FNB BANCORP/CA/ Files SEC form 8-K, Termination of a Material Definitive Agreement Nov 14 2014
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