FNB Bancorp (FNBG) Stock Analysis
DELISTED 2018
What happened to FNB Bancorp (FNBG) stock?
FNB Bancorp (FNBG) no longer trades on public markets. It was delisted in July 2018. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
FNB Bancorp (FNBG) trades at $37.82. FNB Bancorp operates as the bank holding company for First National Bank, providing community banking services in Pennsylvania. Sector: Financial services.
Last analyzed: Mar 17, 2026Analyst Coverage for FNBG: FNBG does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FNBG against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
FNB Bancorp (FNBG) Financial Services Profile
FNB Bancorp, a Pennsylvania-based community bank holding company, offers financial services to individuals, small businesses, and agricultural clients. With a focus on traditional banking products and personalized service, FNBG maintains a strong regional presence and a dividend yield of 1.69%, operating in a competitive landscape of larger national and smaller local banks.
What Is the Investment Thesis for FNBG?
FNB Bancorp presents a stable investment opportunity within the regional banking sector, driven by its focus on community banking and a dividend yield of 1.69%. The company's consistent profitability, reflected in a 21.3% profit margin, supports its ability to deliver shareholder value. Key value drivers include the bank's strong presence in Pennsylvania and its emphasis on personalized customer service. Growth catalysts involve expanding its loan portfolio and deposit base within its existing market. Potential risks include interest rate fluctuations and increased competition from larger regional and national banks. Investors should monitor FNBG's ability to maintain its profitability and manage credit risk in a changing economic environment.
Based on FMP financials and quantitative analysis
FNBG Key Highlights
Profit Margin of 21.3% indicates strong operational efficiency and profitability.
- Gross Margin of 100.0% reflects the nature of the banking business model, where revenue is primarily derived from interest income.
- Dividend Yield of 1.69% provides a steady income stream for investors.
- Beta of 0.32 suggests lower volatility compared to the overall market, indicating a relatively stable investment.
- P/E Ratio of 25.99 indicates how much investors are willing to pay for each dollar of FNB Bancorp's earnings.
Who Are FNBG's Competitors?
FNBG is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| USB U.S. Bancorp | $62.61 | -0.33% | $97.5B | 96 |
| FHN First Horizon Corporation | $24.87 | -3.68% | $11.8B | 92 |
| ZION Zions Bancorporation, National Association | $68.39 | +0.15% | $9.98B | 98 |
| BOKF BOK Financial Corporation | $139.84 | -0.36% | $8.50B | 95 |
| UBSI United Bankshares, Inc. | $47.70 | +0.02% | $6.57B | 96 |
| ASB Associated Banc-Corp | $30.78 | -0.10% | $5.81B | 94 |
| FBP First BanCorp. | $28.41 | -0.19% | $4.34B | 97 |
| UCB United Community Banks, Inc. | $35.63 | -0.34% | $4.27B | 96 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FNBG's Key Strengths?
Strong local presence in Pennsylvania
- Focus on community banking and personalized service
- Conservative lending practices
- Stable deposit base
What Are FNBG's Weaknesses?
Limited geographic diversification
- Reliance on traditional banking activities
- Smaller scale compared to larger regional and national banks
- Potential vulnerability to interest rate fluctuations
What Could Drive FNBG Stock Higher?
Potential interest rate hikes by the Federal Reserve could increase net interest margin.
- Expansion of digital banking services to attract new customers.
- Continued focus on community engagement and local market development.
What Are the Key Risks for FNBG?
Economic downturn in Pennsylvania could negatively impact loan demand and credit quality.
- Increased competition from larger regional and national banks could erode market share.
- Regulatory changes and compliance costs could increase operating expenses.
- Cybersecurity risks and data breaches could damage reputation and result in financial losses.
What Are the Growth Opportunities for FNBG?
- Expansion of Commercial Lending: FNB Bancorp can grow by expanding its commercial lending activities within its existing market. The market for commercial loans in Pennsylvania is estimated to be substantial, offering opportunities for FNBG to increase its loan portfolio and generate additional revenue. By targeting small and medium-sized businesses with tailored loan products and personalized service, FNBG can gain market share and drive growth. Timeline: Ongoing.
- Increased Deposit Mobilization: FNB Bancorp can focus on increasing its deposit base by offering competitive interest rates and convenient banking services. The market for deposits in Pennsylvania is large and diverse, with opportunities for FNBG to attract new customers and grow its deposit base. By leveraging digital channels and enhancing customer service, FNBG can improve its deposit mobilization efforts and reduce its reliance on wholesale funding. Timeline: Ongoing.
- Strategic Acquisitions: FNB Bancorp can pursue strategic acquisitions of smaller community banks or branches in adjacent markets. The market for bank acquisitions is active, with opportunities for FNBG to expand its geographic footprint and increase its market share. By carefully evaluating potential acquisition targets and integrating them effectively, FNBG can accelerate its growth and enhance its competitive position. Timeline: Ongoing.
- Digital Banking Initiatives: FNB Bancorp can invest in digital banking initiatives to enhance customer convenience and attract new customers. The market for digital banking services is growing rapidly, with increasing demand for online and mobile banking solutions. By developing innovative digital products and services, FNBG can improve customer satisfaction and attract a younger demographic of customers. Timeline: Ongoing.
- Wealth Management Services: FNB Bancorp can expand its wealth management services to cater to the growing needs of its affluent customers. The market for wealth management services is large and growing, with opportunities for FNBG to generate additional revenue and build stronger customer relationships. By offering personalized investment advice and financial planning services, FNBG can attract new clients and increase its assets under management. Timeline: Ongoing.
What Are FNBG's Competitive Advantages?
- Strong local presence and established customer relationships in Pennsylvania.
- Focus on community banking and personalized service.
- Conservative lending practices and prudent risk management.
- Access to a stable deposit base for funding lending activities.
What Does FNBG Do?
FNB Bancorp, headquartered in Hermitage, Pennsylvania, serves as the bank holding company for First National Bank. Founded with a commitment to community banking, the institution has evolved to offer a comprehensive suite of financial products and services tailored to individuals, small businesses, and agricultural customers. First National Bank operates primarily in Pennsylvania, providing deposit accounts, loans, and other financial solutions. The bank's focus on personalized service and local market knowledge has enabled it to build strong customer relationships and maintain a competitive position within its service area. FNB Bancorp's core business revolves around traditional banking activities, including accepting deposits, originating loans, and providing payment services. The company's loan portfolio includes commercial real estate loans, agricultural loans, and consumer loans. First National Bank also offers various deposit products, such as checking accounts, savings accounts, and certificates of deposit. The bank's geographic focus on Pennsylvania allows it to cater to the specific needs of the local economy and community. Over the years, FNB Bancorp has adapted to changing market conditions and evolving customer preferences by investing in technology and expanding its service offerings. While maintaining its commitment to community banking principles, the company has embraced digital channels to enhance customer convenience and accessibility. FNB Bancorp's strategic focus on sustainable growth and prudent risk management has contributed to its long-term stability and profitability. The company continues to prioritize customer satisfaction and community engagement as key drivers of its success.
What Products and Services Does FNBG Offer?
- Provides traditional banking services to individuals, small businesses, and agricultural customers.
- Offers a range of deposit products, including checking accounts, savings accounts, and certificates of deposit.
- Originates various types of loans, such as commercial real estate loans, agricultural loans, and consumer loans.
- Provides online and mobile banking services for convenient access to accounts and transactions.
- Offers wealth management services to affluent customers.
- Engages in community banking activities to support local economic development.
How Does FNBG Make Money?
- Generates revenue primarily from interest income on loans and investments.
- Collects fees for various banking services, such as account maintenance and transaction processing.
- Manages expenses related to operations, personnel, and technology.
- Utilizes deposits as a primary source of funding for lending activities.
What Industry Does FNBG Operate In?
FNB Bancorp operates within the competitive regional banking industry. This sector is characterized by a mix of large national banks, regional players, and smaller community banks. The industry is influenced by factors such as interest rates, regulatory changes, and economic conditions. FNB Bancorp's focus on community banking and personalized service differentiates it from larger competitors. The regional banking sector is expected to experience moderate growth, driven by increasing demand for loans and financial services from individuals and small businesses.
Who Are FNBG's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring loans and deposit accounts.
- Agricultural customers needing financing for farming operations.
- Affluent individuals seeking wealth management services.
Key Financial Metrics
Return on equity for FNB Bancorp stands at 9.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.8%, showing how much profit it generates from its asset base. FNBG trades at a trailing price-to-earnings ratio of 25.99, above the Financial Services sector average of ~18x. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 3.8%, the inverse of the P/E and a quick read on earnings relative to price.
Company Profile
FNB Bancorp operates in the Banks - Regional industry within the Financial Services sector. FNBG has traded publicly since 1995.
Insider Activity
The most recent 12 insider filings for FNB Bancorp break down as 6 sales and 6 purchases. On net that is roughly 5K shares acquired (about $111K) — insiders putting money in tends to read as conviction.
FNBG Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in FNBG's future growth potential, indicating that those closest to the company believe in its value.
- Community sentiment has shifted positively, with discussions highlighting the bank's strong regional presence and customer loyalty.
- Analysts have noted improvements in operational efficiency, which could lead to better profit margins in the coming quarters.
- The overall banking sector has shown resilience, with positive trends in loan demand that may benefit FNBG's bottom line.
Bear Case
- Concerns over rising interest rates have led to some bearish sentiment, as higher rates could squeeze margins for smaller banks like FNBG.
- Recent discussions in trading forums have raised issues about potential regulatory challenges that could impact profitability.
- Market perception remains cautious due to economic uncertainties, with some investors wary of the bank's exposure to commercial real estate.
- Insider selling activity from a few executives has raised eyebrows, leading to speculation about potential challenges ahead.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
FNBG Latest News
No recent news available for FNBG.
FNB Bancorp Financial Services Stock: Key Questions Answered
What happened to FNB Bancorp (FNBG) stock?
FNB Bancorp (FNBG) no longer trades on public markets. It was delisted in July 2018. The figures below are historical and are not a current quote.
Can I still buy FNBG shares?
No. FNBG stopped trading on public markets in July 2018, so the shares are not available through a broker. Anything you see quoted for FNBG elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before FNBG stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to FNB Bancorp. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does FNB Bancorp do?
FNB Bancorp operates as the bank holding company for First National Bank, providing a range of community banking services primarily in Pennsylvania. The bank focuses on serving individuals, small businesses, and agricultural customers with deposit accounts, loans, and other financial solutions.
What do analysts say about FNBG stock?
Analyst coverage of FNBG is limited, reflecting its size and regional focus. Key valuation metrics to consider include its P/E ratio of 25.99 and dividend yield of 1.69%.
What are the main risks for FNBG?
FNBG faces several risks inherent to the banking industry, including credit risk, interest rate risk, and regulatory risk. A potential economic downturn in Pennsylvania could negatively impact loan demand and credit quality, leading to increased loan losses. Increased competition from larger regional and national banks could erode market share and pressure margins.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited analyst coverage may impact the availability of detailed financial analysis.
- The company's performance is closely tied to the economic conditions in Pennsylvania.