FNB BANCORP/CA/
Financials · State Commercial Banks · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | −$69,000 | −$77,000 |
| Net income | $10.7M | $10.5M | $8.2M | $9.4M | $7.4M | $8.8M |
| Total assets | $1.27B | $1.22B | $1.12B | $917.2M | $891.9M | $875.3M |
| Total liabilities | $1.15B | $1.11B | $1.02B | $820.1M | $797.7M | $780.0M |
| Equity | $119.3M | $110.3M | $104.2M | $97.1M | $94.2M | $95.4M |
| EPS (diluted) | $1.41 | $1.42 | $1.12 | $2.02 | $1.55 | $1.97 |
| Shares out. | 4.9M | 4.5M | 4.3M | 4.0M | 3.7M | 3.7M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2017- Operating margin
- —
- Net margin
- —
- Return on equity
- 9.0%
- Return on assets
- 0.8%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 90.6%
- Debt / equity
- 9.61×
- Book value / share
- $24.58
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 2.0%
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 · FY2017- Accruals / assets
- −0.5%clean
- Piotroski F-Score
- 4/6mixed
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. What these scores mean →
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- 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 |
|---|---|---|---|---|
| Curtis David AOfficer — SVP/CFO | Jun 26, 2018 | Tax withholding | 9,902 | $38.23 |
| Clifford Anthony JOfficer — EVP/COO | Jun 26, 2018 | Tax withholding | 8,334 | $38.66 |
| Black Jim DOfficer — President | Jun 26, 2018 | Tax withholding | 7,847 | $38.23 |
| Atwood Thomas GDirector | May 21, 2018 | Option exercise | 9,806 | $16.31 |
| Clifford Anthony JOfficer — EVP/COO | Apr 3, 2018 | Tax withholding | 25,081 | $36.79 |
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- Other material eventJun 7, 2018
- Shareholder vote · Regulation FD disclosure · Other material eventMay 31, 2018
- Other material eventMay 30, 2018
- Results of operationsApr 27, 2018
- Other material eventFeb 26, 2018
- Results of operationsJan 31, 2018
- Other material eventJan 4, 2018
- Other material eventDec 18, 2017
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- S-8 POSAug 3, 2018
- 15-12GFORM 15-12GAug 3, 2018
- 25-NSEJul 6, 2018
- 4PRIMARY DOCUMENTJul 5, 2018
- 4PRIMARY DOCUMENTJul 5, 2018
- 4PRIMARY DOCUMENTJul 5, 2018
- 4PRIMARY DOCUMENTJul 5, 2018
- 4PRIMARY DOCUMENTJul 5, 2018
- 4PRIMARY DOCUMENTJul 5, 2018
- 4PRIMARY DOCUMENTJul 5, 2018
- 4PRIMARY DOCUMENTJun 28, 2018
- 4PRIMARY DOCUMENTJun 28, 2018
- 4PRIMARY DOCUMENTJun 28, 2018
- 4258-KJun 7, 2018
- 8-KFORM 8-KJun 7, 2018
Event-driven situations (1)
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