FNB, Inc. (FIDS)
For informational purposes only. Not financial advice. Analysis by Sedat Aydin, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
FNB, Inc. (FIDS) with AI Score 51/100 (Hold). FNB, Inc. , established in 1874, operates as the bank holding company for The First National Bank of Dennison, offering a range of personal and business banking products in Ohio. Market cap: 0, Sector: Financial services.
Last analyzed: Mar 18, 2026FNB, Inc. (FIDS) Financial Services Profile
FNB, Inc., a regional bank holding company for The First National Bank of Dennison, provides traditional banking services and loan products in Ohio, facing competition from larger regional and national banks while maintaining a community-focused approach and a notable dividend yield of 7.05%.
Investment Thesis
FNB, Inc. presents a mixed investment profile. The company's high dividend yield of 7.05% may attract income-seeking investors. However, the company's small market capitalization of $0.02 billion and a P/E ratio of 27.12 suggest limited growth potential and a relatively high valuation compared to earnings. The negative beta of -0.50 indicates a potential buffer during market downturns, but also reflects limited correlation with overall market performance. Growth catalysts are limited, and the company's profitability, indicated by a 5.1% profit margin, is modest. Investors should carefully weigh the dividend yield against the company's growth prospects and valuation.
Based on FMP financials and quantitative analysis
Key Highlights
- Market capitalization of $0.02 billion indicates a small-cap company with limited liquidity.
- P/E ratio of 27.12 suggests a relatively high valuation compared to earnings.
- Profit margin of 5.1% reflects moderate profitability within the banking sector.
- Gross margin of 100.0% is typical for banks, as it primarily reflects interest income.
- Dividend yield of 7.05% offers a potentially attractive income stream for investors.
Competitors & Peers
Strengths
- Long-standing presence in the local community.
- Strong customer relationships.
- High dividend yield of 7.05%.
- Experienced management team.
Weaknesses
- Small market capitalization limits access to capital.
- Limited geographic reach.
- Modest profitability compared to larger banks.
- Dependence on traditional banking services.
Catalysts
- Ongoing: Implementation of digital banking enhancements to attract and retain customers.
- Ongoing: Strategic partnerships with local businesses to drive loan growth and fee income.
- Ongoing: Focus on niche lending markets, such as agricultural loans, to build expertise and attract a loyal customer base.
- Ongoing: Community engagement and brand building initiatives to increase visibility and attract new customers.
- Ongoing: Cross-selling financial products to increase revenue and customer lifetime value.
Risks
- Ongoing: Increasing competition from larger banks, credit unions, and fintech companies.
- Ongoing: Rising regulatory costs impacting profitability.
- Potential: Economic downturn impacting loan quality and increasing credit losses.
- Potential: Cybersecurity risks threatening customer data and financial assets.
- Potential: Interest rate fluctuations impacting net interest margin.
Growth Opportunities
- Expansion of digital banking services: FNB, Inc. can enhance its mobile and online banking platforms to attract and retain customers. The digital banking market is projected to reach $9.0 trillion in transaction value by 2026, offering a significant opportunity for growth. By offering user-friendly digital solutions, FNB, Inc. can improve customer convenience and expand its reach beyond its physical branch network.
- Strategic partnerships with local businesses: FNB, Inc. can forge partnerships with local businesses to offer specialized financial products and services. This can drive loan growth and increase fee income. The market for small business lending is estimated at $600 billion annually, providing a substantial opportunity for FNB, Inc. to expand its commercial lending portfolio.
- Focus on niche lending markets: FNB, Inc. can specialize in specific lending areas, such as agricultural loans or home equity loans, to differentiate itself from larger competitors. The agricultural lending market is expected to grow at a rate of 4% annually, driven by increasing demand for food and agricultural products. By focusing on niche markets, FNB, Inc. can build expertise and attract a loyal customer base.
- Community engagement and brand building: FNB, Inc. can increase its visibility and brand recognition through community involvement and marketing initiatives. This can attract new customers and strengthen relationships with existing ones. Studies show that consumers are more likely to do business with companies that are actively involved in their communities. By investing in community engagement, FNB, Inc. can enhance its reputation and build customer loyalty.
- Cross-selling financial products: FNB, Inc. can increase revenue by cross-selling its existing customers additional financial products and services, such as insurance or investment products. The market for financial advisory services is projected to grow at a rate of 5% annually, driven by increasing demand for retirement planning and wealth management. By offering a wider range of financial solutions, FNB, Inc. can increase customer lifetime value and improve its financial performance.
Opportunities
- Expansion of digital banking services.
- Strategic partnerships with local businesses.
- Focus on niche lending markets.
- Cross-selling financial products.
Threats
- Increasing competition from larger banks and credit unions.
- Rising regulatory costs.
- Economic downturn impacting loan quality.
- Cybersecurity risks.
Competitive Advantages
- Long-standing presence and reputation in the local community.
- Strong customer relationships built over many years.
- Local market knowledge and expertise.
- Personalized service and attention to customer needs.
About FIDS
Founded in 1874, FNB, Inc. has deep roots in Dennison, Ohio, operating as the bank holding company for The First National Bank of Dennison. The bank provides a comprehensive suite of personal and business banking products, including checking and savings accounts, certificates of deposit, and individual retirement accounts. It also offers debit cards and various services such as cash management, merchant card processing, night depository, overdraft protection, safe deposit boxes, and mobile and online banking. FNB, Inc.'s lending operations encompass agricultural, commercial, construction, fixed and variable rate mortgages, installment, and home equity loans. The company focuses on serving the local community and small to medium-sized businesses within its geographic footprint. As a smaller regional bank, FNB, Inc. competes with larger national and regional banks, as well as credit unions and online lenders. The bank's long history and community ties provide a competitive advantage in building customer relationships and trust within its market.
What They Do
- Provides checking and savings accounts to individuals and businesses.
- Offers certificates of deposit and individual retirement accounts (IRAs).
- Issues debit cards for customer convenience.
- Provides cash management services for businesses.
- Offers merchant card processing services.
- Provides various loan products, including agricultural, commercial, and mortgage loans.
- Offers online and mobile banking services.
Business Model
- Generates revenue primarily through interest income from loans.
- Earns fees from services such as cash management and merchant card processing.
- Attracts deposits from customers through checking, savings, and other deposit accounts.
- Manages risk through underwriting and diversification of its loan portfolio.
Industry Context
FNB, Inc. operates within the regional banking sector, which is characterized by increasing competition from larger national banks, credit unions, and fintech companies. The industry is facing challenges from low interest rates, increasing regulatory burdens, and the need to invest in technology to meet evolving customer expectations. Regional banks like FNB, Inc. often focus on building strong customer relationships and providing personalized service to differentiate themselves from larger competitors. The market is seeing a trend towards consolidation, with larger banks acquiring smaller regional players to expand their geographic reach and market share.
Key Customers
- Individuals residing in the Dennison, Ohio area.
- Small to medium-sized businesses operating in the local community.
- Agricultural businesses in the surrounding region.
- Homeowners seeking mortgage financing.
Financials
Chart & Info
FNB, Inc. (FIDS) stock price: Price data unavailable
Latest News
No recent news available for FIDS.
Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FIDS.
Price Targets
Wall Street price target analysis for FIDS.
MoonshotScore
What does this score mean?
The MoonshotScore rates FIDS's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Blair A. Hillyer
Unknown
Information on Blair A. Hillyer's background is not available in the provided data. Without further information, a detailed profile cannot be constructed. His career history, education, and previous roles are unknown, limiting the ability to assess his qualifications and experience.
Track Record: Due to the lack of available information on Blair A. Hillyer's background and specific achievements at FNB, Inc., it is not possible to evaluate his track record. Key milestones, strategic decisions, and company performance under his leadership cannot be assessed without additional data.
FIDS OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, characterized by companies that may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure, making it more difficult for investors to assess their financial health and prospects. Unlike companies listed on major exchanges like the NYSE or NASDAQ, OTC Other companies are not subject to the same stringent listing requirements, leading to increased risks for investors.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure increases the risk of investing in FIDS.
- Low trading volume and wide bid-ask spreads can make it difficult to buy or sell shares.
- Lack of regulatory oversight exposes investors to potential fraud and manipulation.
- The company may not meet the minimum financial standards of higher-tier exchanges.
- Price volatility can lead to significant losses for investors.
- Verify the company's financial statements and SEC filings (if any).
- Research the background and experience of the management team.
- Assess the company's business model and competitive landscape.
- Evaluate the company's debt levels and cash flow.
- Review any legal or regulatory issues facing the company.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before investing.
- The company has been in business since 1874, indicating a long history.
- FNB, Inc. operates as a bank holding company, suggesting regulatory oversight.
- The company provides traditional banking services, which are subject to regulatory requirements.
- The company has 69 employees, suggesting a real business operation.
- The company offers online and mobile banking services, indicating investment in technology.
FIDS Financial Services Stock FAQ
What does FNB, Inc. do?
FNB, Inc. operates as the bank holding company for The First National Bank of Dennison, providing a range of personal and business banking products and services in Ohio. These include checking and savings accounts, certificates of deposit, various loan products (agricultural, commercial, mortgages), and online/mobile banking. The company focuses on serving the local community and small to medium-sized businesses, offering traditional banking services with a community-focused approach.
What do analysts say about FIDS stock?
AI analysis is currently pending for FIDS. Without analyst reports or ratings, it is difficult to provide a consensus view on the stock. Key valuation metrics include a P/E ratio of 27.12 and a dividend yield of 7.05%. Investors may want to evaluate the company's small market capitalization, limited growth potential, and the risks associated with investing in OTC stocks when evaluating FIDS.
What are the main risks for FIDS?
FIDS faces several risks, including increasing competition from larger banks and fintech companies, rising regulatory costs, and the potential for an economic downturn impacting loan quality. As an OTC stock, FIDS is subject to additional risks related to limited financial disclosure, low trading volume, and potential price volatility. Cybersecurity threats also pose a significant risk to the company's operations and customer data.
What are the key factors to evaluate for FIDS?
FNB, Inc. (FIDS) currently holds an AI score of 51/100, indicating moderate score. Key strength: Long-standing presence in the local community.. Primary risk to monitor: Ongoing: Increasing competition from larger banks, credit unions, and fintech companies.. This is not financial advice.
How frequently does FIDS data refresh on this page?
FIDS prices update in real time during U.S. market hours (9:30 AM-4:00 PM ET, weekdays). Fundamentals refresh after quarterly or annual filings. Analyst ratings and AI insights update daily. News is aggregated continuously from financial sources.
What has driven FIDS's recent stock price performance?
Recent price movement in FNB, Inc. (FIDS) can be influenced by earnings results, analyst revisions, sector rotation, and broader market sentiment. Notable catalyst: Long-standing presence in the local community.. Check the News and Technical Analysis tabs for the latest drivers. Past performance does not predict future results.
Should investors consider FIDS overvalued or undervalued right now?
Determining whether FNB, Inc. (FIDS) is overvalued or undervalued requires examining multiple metrics. Compare valuation ratios (P/E, P/S, EV/EBITDA) against sector peers for a comprehensive view.
What research should beginners do before buying FIDS?
Before investing in FNB, Inc. (FIDS), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
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.
- Information is based on available data and may be limited.
- AI analysis is pending and could provide further insights.