FNCB Bancorp (FNCB Bancorp) Intrinsic Value: Projected FCF : $14.03 (As of May. 12, 2024)

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What is FNCB Bancorp Intrinsic Value: Projected FCF?

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.

As of today (2024-05-12), FNCB Bancorp's Intrinsic Value: Projected FCF is $14.03. The stock price of FNCB Bancorp is $5.55. Therefore, FNCB Bancorp's Price-to-Intrinsic-Value-Projected-FCF of today is 0.4.

The historical rank and industry rank for FNCB Bancorp's Intrinsic Value: Projected FCF or its related term are showing as below:

FNCB' s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.39 Med: 0.77 Max: 1.5
Current: 0.4

During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of FNCB Bancorp was 1.50. The lowest was 0.39. And the median was 0.77.

FNCB's Price-to-Projected-FCF is ranked better than
57.06% of 1211 companies
in the Banks industry
Industry Median: 0.45 vs FNCB: 0.40

FNCB Bancorp Intrinsic Value: Projected FCF Historical Data

The historical data trend for FNCB Bancorp's Intrinsic Value: Projected FCF can be seen below:

* 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.

* Premium members only.

FNCB Bancorp Intrinsic Value: Projected FCF Chart

FNCB Bancorp Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Intrinsic Value: Projected FCF

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9.83

11.30

12.84

13.32

13.66

FNCB Bancorp Quarterly Data
	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24
Intrinsic Value: Projected FCF	Get a 7-Day Free Trial															13.22	12.98	12.74	13.66	14.03

Competitive Comparison of FNCB Bancorp's Intrinsic Value: Projected FCF

For the Banks - Regional subindustry, FNCB Bancorp's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

FNCB Bancorp's Price-to-Projected-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, FNCB Bancorp's Price-to-Projected-FCF distribution charts can be found below:

* The bar in red indicates where FNCB Bancorp's Price-to-Projected-FCF falls into.

FNCB Bancorp Intrinsic Value: Projected FCF Calculation

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.

The details of how we calculate the intrinsic value of stocks are described in detail here.

This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + 0.8 * Total Stockholders Equity (most recent) ) / Shares Outstanding (Diluted Average)

In the case of negative Total Stockholders Equity, the following formula is used (see Explanation section below for the reason):

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + Total Stockholders Equity (most recent) / 0.8 ) / Shares Outstanding (Diluted Average)

Add all the Free Cash Flow together and divide 6 will get FNCB Bancorp's Free Cash Flow(6 year avg) = $17.61.

FNCB Bancorp's Intrinsic Value: Projected FCF for today is calculated as

Intrinsic Value: Projected FCF	=	(Growth Multiple	*	Free Cash Flow (6 year avg)	+	Total Stockholders Equity (Mar24)	*	0.8)	/	Shares Outstanding (Diluted Average)
	=	(9.5203515959648	*	17.60704	+	137.745	*	0.8)	/	19.795
	=	14.03

FNCB Bancorp (NAS:FNCB) Intrinsic Value: Projected FCF Explanation

The growth multiple is capped between 8.35 and 17.74.

Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.

FNCB Bancorp's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as

Price-to-Intrinsic-Value-Projected-FCF	=	Share Price	/	Intrinsic Value: Projected FCF
	=	5.55	/	14.034918482658
	=	0.40

FNCB Bancorp Intrinsic Value: Projected FCF Related Terms

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FNCB Bancorp (FNCB Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » FNCB Bancorp Inc (NAS:FNCB) » Definitions » Intrinsic Value: Projected FCF

Comparable Companies

Traded in Other Exchanges

O6H:Germany

Address

102 East Drinker Street, Dunmore, PA, USA, 18512

Website

https://www.fncb.com

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