What is FNCB Bancorp Financial Strength?
FNCB Bancorp has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
FNCB Bancorp Inc displays poor financial strength. Usually, this is caused by too much debt for the company.
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). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3.
Altman Z-Score.
GuruFocus does not calculate FNCB Bancorp's interest coverage with the available data.
FNCB Bancorp's debt to revenue ratio for the quarter that ended in Mar. 2024 was 3.45.
Altman Z-Score does not apply to banks and insurance companies.
FNCB Bancorp Financial Strength Calculation
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
FNCB Bancorp's Interest Expense for the
months ended in Mar. 2024 was $-9.66 Mil. Its Operating Income for the
months ended in Mar. 2024 was $0.00 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2024 was $204.86 Mil.
FNCB Bancorp's Interest Coverage for the quarter that ended in Mar. 2024 is
The higher the ratio, the stronger the company's financial strength is.
2. Debt to revenue ratio. The lower, the better.
FNCB Bancorp's Debt to Revenue Ratio for the quarter that ended in Mar. 2024 is
3. Altman Z-Score.
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FNCB Bancorp (FNCB Bancorp) Business Description
Traded in Other Exchanges
Address
102 East Drinker Street, Dunmore, PA, USA, 18512
FNCB Bancorp Inc is a bank holding company. The Bank provides a wide variety of traditional banking products and services to individuals and businesses, including online, mobile and telephone banking, debit cards, check imaging and electronic statements. Deposit products include various checking, savings, and certificate of deposit products, as well as a line of preferred products for higher-balance customers. The Bank provides products and services including Retail Banking, Lending Activities, Wealth Management and Deposit Activities.
Executives
| James P Chiaro |
officer: EVP/CHIEF INV SERVICES OFFICER |
102 E DRINKER ST, DUNMORE PA 18512 |
| Aaron J Cunningham |
officer: CHIEF CREDIT OFFICER |
102 E. DRINKER ST., DUNMORE PA 18512 |
| Dawn D Gronski |
officer: HUMAN RESOURCES OFFICER |
FNCB BANCORP, INC., 102 E. DRINKER ST., DUNMORE PA 18512 |
| Lisa L Kinney |
officer: Bank VP & Retail Lending Off. |
102 E. DRINKER STREET, DUNMORE PA 18512 |
| Stephanie A. Westington |
officer: Vice President, Controller |
102 E. DRINKER STREET, DUNMORE PA 18512 |
| Denaples Louis A Jr |
director |
102 E. DRINKER STREET, DUNMORE PA 18512 |
| William Mcguigan |
officer: AUDIT OFFICER |
102 E. DRINKER STREET, DUNMORE PA 18512 |
| Donna Yanuzzi |
officer: SVP/EQP FINANCE SALES OFFICER |
102 E DRINKER ST, DUNMORE PA 18512 |
| Amy M Kelley |
officer: SVP/OPERATIONS OFFICER |
102 E DRINKER ST, DUNMORE PA 18512 |
| Gary P Cook |
officer: EVP/EQUIPMENT FINANCE OFFICER |
7 EAST SAYLOR AVENUE, WILKES-BARRE PA 18702 |
| William G. Bracey |
director |
102 E. DRINKER STREET, DUNMORE PA 18512 |
| Richard D Drust |
officer: SVP/RETAIL BANKING OFFICER |
FIRST NATIONAL COMMUNITY BANCORP, INC., 102 E. DRINKER STREET, DUNMORE PA 19603 |
| Honick Ronald S. Jr. |
officer: Audit Manager |
102 E. DRINKER STREET, DUNMORE PA 18512 |
| James F Burke |
officer: EVP/CHIEF BANKING OFFICER |
FNCB BANCORP, INC., 102 E. DRINKER ST., DUNMORE PA 18512 |
| Vithalbhai D Dhaduk |
director |
FNCB BANCORP, INC., 102 E. DRINKER ST., DUNMORE PA 18512 |
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