FNCB Bancorp, Inc.
Financials · National Commercial Banks · PA · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | |
|---|---|---|---|---|---|---|
| Revenue | $4.5M | $4.4M | $3.9M | $3.3M | $3.0M | $2.9M |
| Operating income | — | — | — | — | — | — |
| Net income | $13.0M | $20.4M | $21.4M | $15.3M | $11.1M | $13.3M |
| Total assets | $1.88B | $1.75B | $1.66B | $1.47B | $1.20B | $1.24B |
| Total liabilities | $1.75B | $1.63B | $1.50B | $1.31B | $1.07B | $1.14B |
| Equity | $134.6M | $118.9M | $162.5M | $155.9M | $133.6M | $97.2M |
| EPS (diluted) | $0.66 | $1.03 | $1.06 | $0.76 | $0.14 | $0.12 |
| Shares out. | 19.7M | 20.0M | 20.2M | 20.2M | 20.1M | 16.8M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2023- Operating margin
- —
- Net margin
- 286.2%
- Return on equity
- 9.6%
- Return on assets
- 0.7%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 92.8%
- Debt / equity
- 12.97×
- Book value / share
- $6.84
- Revenue growth (YoY)
- 2.8%
- Net income growth (YoY)
- −36.5%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2023- Accruals / assets
- −0.2%clean
- Piotroski F-Score
- 5/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 3 good- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Kinney Lisa LOfficer — SVP/RETAIL LENDING OFFICER | Jul 1, 2024 | Tax withholding | 2,135 | $6.75 |
| Mcguigan WilliamOfficer — SVP/AUDIT OFFICER | Jul 1, 2024 | Tax withholding | 2,109 | $6.75 |
| Bracey William G.Director | Jul 1, 2024 | D | 33,733.575 | — |
| Conaboy William PDirector | Jul 1, 2024 | D | 7,114 | — |
| Melone Thomas J.Director | Jul 1, 2024 | D | 17,927 | — |
| Westington Stephanie A.Officer — SVP/CHIEF ACCOUNTING OFFICER | Jul 1, 2024 | Tax withholding | 2,565 | $6.75 |
| Drust Richard DOfficer — SVP/RETAIL BANKING OFFICER | Jul 1, 2024 | Tax withholding | 2,033 | $6.75 |
| Cummings Mary GriffinOfficer — EVP/GENERAL COUNSEL | Jul 1, 2024 | Tax withholding | 3,057 | $6.75 |
| Gardner Mary AnnOfficer — SVP/COMPLIANCE OFFICER | Jul 1, 2024 | Tax withholding | 1,720 | $6.75 |
| Denaples Louis ADirector | Jul 1, 2024 | D | 2.2M | — |
| Denaples Louis A JrDirector | Jul 1, 2024 | D | 333,097.806 | — |
| Eckel Keith W.Director | Jul 1, 2024 | D | 25,450.529 | — |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylaws · Other material eventJul 1, 2024
- Other material eventJun 14, 2024
- Results of operationsApr 30, 2024
- Other material eventApr 24, 2024
- Shareholder vote · Other material eventMar 22, 2024
- Other material eventMar 13, 2024
- Results of operationsJan 30, 2024
- Other material eventJan 24, 2024
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.