Market cap
$134 Mln
Revenue (TTM)
$75 Mln
P/E Ratio
9.6
P/B Ratio
0.8
Div. Yield
5.4 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Revenue | 1.29 | 84.92 | 23.86 | 12.56 | 9.23 |
| EBIT | -122.96 | -108.71 | -69.61 | -26.99 | -16.55 |
| Net Profit | 5.34 | 32.63 | -26.14 | -10.18 | -0.16 |
| EPS | 5.34 | 32.63 | -26.14 | -10.18 | -2.97 |
| Book Value | -- | -- | 13.16 | -4.77 | 3.31 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | TTM | Dec-23 | Dec-22 |
| EBIT-Margin
| 30.52 | 31.94 | 14.45 | -4.38 | 50.50 |
| Net Margin
| -- | -- | 18.42 | -- | -- |
| Return on equity
| 12.73 | 11.68 | 10.84 | 10.24 | 14.53 |
| Return on Capital
| 6.80 | 7.15 | -- | 3.20 | 5.95 |
| Return on Assets
| 1.09 | 1.07 | 0.64 | 0.72 | 1.20 |
| Debt to Equity (x)
| -- | -- | 1.49 | 1.51 | 2.98 |
Profitability
ROCE
--
--
Earning before interest and taxes / (Average net worth + Average total Debt) * 100
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
--
|
3.20
|
5.95
|
11.26
|
8.59
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROE
10.84
Higher than Peers by 0.97
Profit after tax / Average Net worth * 100
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
10.84
|
10.24
|
14.53
|
13.43
|
10.60
|
|
Peer Median
|
9.87
|
--
|
--
|
--
|
--
|
ROA
0.64
Lower than Peers by 0.32
Profit after tax / Average Total assets * 100
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
0.64
|
0.72
|
1.20
|
1.37
|
1.15
|
|
Peer Median
|
0.96
|
--
|
--
|
--
|
--
|
EBIT Margin
14.45
Lower than Peers by 6.35
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
14.45
|
-4.38
|
50.50
|
45.45
|
37.57
|
|
Peer Median
|
20.79
|
--
|
--
|
--
|
--
|
Net Margin
18.42
Lower than Peers by 1.61
Net profit / Total Income (Net sales plus other income) * 100
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
18.42
|
14.64
|
32.96
|
37.32
|
31.05
|
|
Peer Median
|
20.03
|
--
|
--
|
--
|
--
|
Cash Profit Margin
0.00
Higher than Peers by 0.00
(Net profit + Depreciation) / Gross Sales * 100
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
0.00
|
--
|
--
|
--
|
--
|
|
Peer Median
|
0.00
|
--
|
--
|
--
|
--
|
Revenue Growth
23.86
Higher than Peers by 12.75
Year on year growth in net sales
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
23.86
|
0.43
|
0.08
|
0.16
|
0.13
|
|
Peer Median
|
11.10
|
--
|
--
|
--
|
--
|
EBIT Growth
-69.61
Lower than Peers by 58.11
Year on year growth in operating profit (EBIT)
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
-69.61
|
-112.40
|
20.34
|
40.14
|
38.59
|
|
Peer Median
|
-11.50
|
--
|
--
|
--
|
--
|
Net Profit Growth
-26.14
Lower than Peers by 33.42
Year on year growth in profit after tax
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
-26.14
|
-36.50
|
-4.33
|
39.25
|
38.57
|
|
Peer Median
|
7.27
|
--
|
--
|
--
|
--
|
EPS Growth
-26.14
Lower than Peers by 31.93
Year on year growth in earnings per share
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
-26.14
|
-0.36
|
-0.04
|
0.39
|
0.39
|
|
Peer Median
|
5.78
|
--
|
--
|
--
|
--
|
Book Value Growth
8.89
Higher than Peers by 0.12
Year on year growth in book value per share
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
8.89
|
--
|
--
|
--
|
--
|
|
Peer Median
|
8.77
|
--
|
--
|
--
|
--
|
Solvency
Debt to Equity
1.49
Higher than Peers by 1.28
Total debt / Net worth
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
1.49
|
1.51
|
2.98
|
0.31
|
0.07
|
|
Peer Median
|
0.21
|
--
|
--
|
--
|
--
|
Short term debt to equity ratio
0.78
--
(Short term borrowings / Net worth)
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
0.78
|
0.12
|
1.45
|
0.13
|
0.00
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Current Ratio
0.07
Lower than Peers by 0.23
Current Assets / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
0.07
|
0.11
|
3,064.12
|
12,780.18
|
4,723.44
|
|
Peer Median
|
0.31
|
--
|
--
|
--
|
--
|
Quick Ratio
0.14
Lower than Peers by 0.21
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
0.14
|
0.22
|
3,344.08
|
14,914.53
|
6,206.36
|
|
Peer Median
|
0.36
|
--
|
--
|
--
|
--
|
Interest Coverage
1.57
Lower than Peers by 0.18
Earning before interest and taxes (EBIT) / Interest Expenses
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
1.57
|
-0.40
|
4.65
|
9.62
|
3.01
|
|
Peer Median
|
1.75
|
--
|
--
|
--
|
--
|
Operating Efficiency
Debtors to sales
10.09
Higher than Peers by 3.20
Debtors outstanding / Net Sales * 100
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
10.09
|
7.99
|
9.60
|
8.11
|
8.67
|
|
Peer Median
|
6.90
|
--
|
--
|
--
|
--
|
Asset Turnover
0.03
Lower than Peers by 0.01
Sales / Average Total Assets
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
0.03
|
0.05
|
0.04
|
0.04
|
0.04
|
|
Peer Median
|
0.05
|
--
|
--
|
--
|
--
|
Receivable days
--
--
Average Debtors / Sales * 365
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
--
|
26.86
|
31.21
|
28.48
|
27.78
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Inventory Days
--
--
Average Inventory / Sales * 365
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
--
|
-5,577.96
|
-5,595.31
|
-11,150.32
|
-7,642.84
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Payable days
--
--
Average Creditors / Cost of goods sold * 365
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
--
|
52.28
|
8.07
|
6.61
|
14.11
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Cash Conversion Cycle
--
--
Receivable Days + Inventory Days - Payable Days
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
--
|
-5,603.37
|
-5,572.18
|
-11,128.45
|
-7,629.16
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Valuation
Price / Earnings
9.64
Lower than Peers by 3.15
Current share price divided by earning per share in the last twelve months
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
9.64
|
10.46
|
8.03
|
8.65
|
8.34
|
|
Peer Median
|
12.79
|
--
|
--
|
--
|
--
|
Price / Book Value
0.79
Lower than Peers by 0.53
Current share price divided by book value per share in the latest financial year
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
0.79
|
1.01
|
1.38
|
1.14
|
0.82
|
|
Peer Median
|
1.32
|
--
|
--
|
--
|
--
|
Dividend Yield
5.36
Higher than Peers by 2.88
Dividend per share in the past twelve months divided by current share price
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
5.36
|
--
|
--
|
--
|
--
|
|
Peer Median
|
2.48
|
--
|
--
|
--
|
--
|
EV/EBITDA
--
--
Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
--
|
84.55
|
0.03
|
-13.99
|
-18.18
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Market Cap
134
Lower than Peers by 180
Current Share price multiplied by latest total number of shares outstanding
|
Company Name
|
TTM
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
FNCB Bancorp (FNCB)
|
134
|
--
|
--
|
--
|
--
|
|
Peer Median
|
314
|
--
|
--
|
--
|
--
|