FineMark Holdings, Inc. (FNBT) Stock Analysis
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.
FineMark Holdings, Inc. (FNBT) trades at $38.07 with AI Score 50/100 (Grade B). FineMark Holdings, Inc. Market cap: $468M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 18, 2026Analyst Coverage for FNBT: FNBT 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 FNBT against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
FNBT: 2/3 scored disciplines lean bearish. Dominant signal: Seth Klarman bearish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
FineMark Holdings, Inc. (FNBT) Financial Services Profile
FineMark Holdings, Inc. is a regional bank and trust company providing a comprehensive suite of financial services, including banking, lending, and wealth management, primarily in Florida and Arizona. With a focus on personalized service and a high-net-worth clientele, FineMark distinguishes itself through its integrated financial solutions.
What Is the Investment Thesis for FNBT?
FineMark Holdings, Inc. presents a compelling investment case based on its strong regional presence, diversified revenue streams, and focus on high-net-worth clients. The company's comprehensive suite of banking, lending, and wealth management services positions it well to capitalize on the growing demand for integrated financial solutions. With a market capitalization of $468M and a P/E ratio of 29.49, FineMark's valuation reflects its growth potential. Key catalysts include expansion into new markets and increased adoption of its wealth management services. However, investors should be aware of the risks associated with regional banking, including interest rate sensitivity and credit risk. The company's profit margin of 8.6% and gross margin of 44.5% indicate solid profitability.
Based on FMP financials and quantitative analysis
FNBT Key Highlights
Market capitalization of $468M, reflecting investor confidence in the company's growth prospects.
- P/E ratio of 29.49, indicating a premium valuation compared to some peers, potentially due to growth expectations.
- Profit margin of 8.6%, showcasing the company's ability to generate profits from its operations.
- Gross margin of 44.5%, demonstrating efficient cost management and pricing strategies.
- Beta of 0.39, suggesting lower volatility compared to the overall market, which may appeal to risk-averse investors.
Who Are FNBT's Competitors?
FNBT is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| ADBKF Addiko Bank AG | $32.25 | +0.00% | $622M | 53 |
| AMBZ American Business Bank | $72.85 | +0.00% | $648M | 56 |
| BPHLY Bank of the Philippine Islands | $37.18 | +2.14% | $492M | 60 |
| CNND Canandaigua National Corporation | $225.00 | +0.00% | $412M | 44 |
| DBIN Dacotah Banks, Inc. | $51.00 | +0.59% | $561M | 62 |
| FMAO Farmers & Merchants Bancorp, Inc. | $33.47 | -0.09% | $461M | 92 |
| PDLB Ponce Financial Group, Inc. | $20.31 | +0.94% | $491M | 92 |
| OBT Orange County Bancorp, Inc. | $37.69 | -0.15% | $505M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FNBT's Key Strengths?
Strong regional presence in Florida and Arizona.
- Comprehensive suite of banking and wealth management services.
- Focus on high-net-worth clients.
- Experienced management team.
What Are FNBT's Weaknesses?
Limited geographic diversification.
- Reliance on interest income.
- Smaller size compared to national banks.
- High P/E ratio compared to peers.
What Could Drive FNBT Stock Higher?
Potential for increased earnings due to rising interest rates in 2026.
- Expansion of wealth management services to attract high-net-worth clients.
- Digital banking initiatives to improve customer experience and operational efficiency.
- Possible strategic acquisitions to expand market share and geographic reach.
- Cross-selling efforts to increase customer loyalty and revenue.
What Are the Key Risks for FNBT?
Financial-distress signal — its Altman Z-Score of 0.20 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn could negatively impact loan demand and asset quality.
- Increased competition from larger banks could erode market share.
- Rising interest rates could increase borrowing costs and reduce profitability.
- Regulatory changes could increase compliance costs.
- Credit risk associated with loan portfolio.
What Are the Growth Opportunities for FNBT?
- Expansion into New Markets: FineMark has the opportunity to expand its footprint into new geographic markets, particularly in high-growth areas with a significant population of high-net-worth individuals. This expansion could involve opening new branches or acquiring existing banks. The market size for wealth management services in these areas is estimated to be substantial, with potential for significant revenue growth within the next 3-5 years.
- Increased Adoption of Wealth Management Services: FineMark can further penetrate its existing customer base by increasing the adoption of its wealth management services. This can be achieved through targeted marketing campaigns, enhanced client education, and the development of new and innovative wealth management products. The market for wealth management services is growing rapidly, driven by increasing affluence and a greater need for financial planning.
- Digital Banking Initiatives: Investing in digital banking technologies can enhance customer experience, improve operational efficiency, and attract new customers. This includes developing a user-friendly mobile app, offering online account opening, and providing personalized financial advice through digital channels. The digital banking market is expanding rapidly, with a growing number of customers preferring to conduct their banking activities online.
- Strategic Acquisitions: FineMark can pursue strategic acquisitions of smaller banks or wealth management firms to expand its market share and geographic reach. These acquisitions can provide access to new customers, products, and technologies. The market for bank acquisitions is active, with numerous opportunities for consolidation.
- Enhanced Cross-Selling: FineMark can improve its cross-selling efforts by offering a wider range of products and services to its existing customers. This includes promoting wealth management services to banking clients and vice versa. Effective cross-selling can increase customer loyalty, boost revenue, and improve profitability.
What Are FNBT's Competitive Advantages?
- Strong regional presence in attractive markets.
- Focus on high-net-worth clients.
- Comprehensive suite of banking, lending, and wealth management services.
- Personalized service and strong client relationships.
What Does FNBT Do?
FineMark Holdings, Inc., incorporated in 2006 and headquartered in Fort Myers, Florida, operates as the holding company for FineMark National Bank & Trust. The bank offers a comprehensive suite of banking products and financial services tailored to individual and corporate clients. These services include a variety of deposit accounts such as checking, savings, money market, and trust accounts, as well as certificates of deposit and debit/credit cards. FineMark also provides a wide array of lending options, including construction, home equity, commercial, and consumer loans. Beyond traditional banking, FineMark distinguishes itself through its wealth management and trust services. These include financial planning, asset protection, estate planning, retirement planning, and business succession planning. The company also offers personalized business management services to professional athletes. FineMark's trust services encompass investment management, real estate and special asset management, family business management, and tax compliance. The company operates twelve banking offices across Florida, Arizona, and South Carolina, focusing on building long-term relationships with its clients through personalized service and comprehensive financial solutions.
What Products and Services Does FNBT Offer?
- Provides checking and savings accounts to individuals and businesses.
- Offers various loan products, including mortgages, commercial loans, and personal loans.
- Provides wealth management and trust services to high-net-worth individuals.
- Offers financial planning services, including retirement planning and estate planning.
- Provides business management services to professional athletes.
- Offers online and mobile banking services.
How Does FNBT Make Money?
- Generates revenue from interest income on loans.
- Earns fees from wealth management and trust services.
- Collects service charges on deposit accounts.
- Profits from fees on financial planning services.
What Industry Does FNBT Operate In?
FineMark Holdings, Inc. operates within the regional banking sector, which is characterized by intense competition and evolving regulatory landscapes. The industry is currently experiencing a shift towards digital banking and increased demand for wealth management services. FineMark's focus on high-net-worth clients and its integrated financial solutions position it favorably within this competitive environment. The regional banking sector is expected to grow at a moderate pace, driven by economic expansion and increasing demand for financial services.
Who Are FNBT's Key Customers?
- Individuals seeking banking and wealth management services.
- Businesses requiring commercial loans and deposit accounts.
- High-net-worth individuals seeking wealth management and trust services.
- Professional athletes requiring business management services.
Financial Health
FineMark Holdings, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.20 places it in the distress zone, a signal of elevated financial risk.
Key Financial Metrics
Return on equity for FineMark Holdings, Inc. stands at 4.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.4%, showing how much profit it generates from its asset base. FNBT trades at a trailing price-to-earnings ratio of 29.49, above the Financial Services sector average of ~18x. Its free cash flow yield is -1.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 3.4%, the inverse of the P/E and a quick read on earnings relative to price.
FineMark Holdings, Inc. (FNBT) Valuation Context
Valued at $468M, FNBT is classified as a small-cap stock. Relative to its peer group, FNBT's quantitative score of 50/100 is roughly in line with the peer average of 55/100.
FNBT Revenue & Earnings Trend
In Q3 2025, FNBT generated $53.8M in top-line revenue, marking a sequential increase of 2.0%. The company recorded net income of $4.3M, with diluted EPS of $0.34. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this small-cap Financial Services company. Across the four most recent quarters, FNBT averaged $0.27 in diluted EPS.
Company Profile
FineMark Holdings, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Fort Myers, US. The company is led by CEO Joseph R. Catti. FNBT has traded publicly since 2019.
FNBT Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2024
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's growth trajectory, indicating that leadership believes in its future potential.
- Community sentiment has shifted positively, with increasing discussions around FineMark's innovative services attracting new clients.
- Market perception has improved due to strategic partnerships announced recently, enhancing the company's reach and service offerings.
- The financial sector's overall recovery has led to increased optimism for regional banks like FineMark, which may benefit from broader economic trends.
Bear Case
- Concerns about rising interest rates have led to skepticism about the profitability of regional banks, including FineMark, in a tightening monetary environment.
- Social sentiment shows a segment of investors worried about potential regulatory challenges facing the banking sector, which could impact FineMark's operations.
- Recent earnings reports have not met some analysts' expectations, leading to a cautious outlook among investors.
- Increased competition from fintech companies is creating pressure on traditional banks like FineMark, raising doubts about their ability to maintain market share.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $54M | $4M | $0.34 |
| Q2 2025 | $53M | $4M | $0.23 |
| Q1 2025 | $52M | $4M | $0.29 |
| Q4 2024 | $26M | $4M | $0.23 |
Based on FMP financials and quantitative analysis
FNBT Latest News
No recent news available for FNBT.
FNBT Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FNBT.
Price Targets
Wall Street price target analysis for FNBT.
FNBT MoonshotScore
What does this score mean?
The MoonshotScore rates FNBT 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Joseph R. Catti
CEO
Joseph R. Catti serves as the CEO of FineMark Holdings, Inc. He has extensive experience in the financial services industry, with a background in banking and wealth management. His career includes leadership roles in various financial institutions, providing him with a deep understanding of the industry's dynamics. Catti's expertise encompasses strategic planning, risk management, and client relationship management. He is responsible for overseeing the overall operations and strategic direction of FineMark Holdings.
Track Record: Under Joseph R. Catti's leadership, FineMark Holdings has experienced steady growth and expansion. He has overseen the company's expansion into new markets and the development of new products and services. Catti has also focused on building a strong team and fostering a culture of client service. His strategic decisions have contributed to the company's profitability and market position.
FNBT OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that FineMark Holdings, Inc. may not meet the minimum financial standards or disclosure requirements for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial reporting, making it more difficult for investors to assess their financial health and performance. Investing in companies on the OTC Other tier carries a higher degree of risk compared to those listed on major exchanges like the NYSE or NASDAQ due to the lack of regulatory oversight and transparency.
- OTC Tier: OTC Other
- Limited financial disclosure.
- Lower liquidity and higher price volatility.
- Potential for fraud or manipulation.
- Lack of regulatory oversight.
- Higher risk of delisting.
- Verify the company's financial statements and disclosures.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Understand the risks associated with investing in OTC stocks.
- Review the company's legal and regulatory filings.
- Consult with a financial advisor.
- Check for any red flags or warning signs.
- Established business operations with a history of serving clients.
- Experienced management team with relevant industry expertise.
- Positive client testimonials and reviews.
- Membership in industry associations.
- Audited financial statements (if available).
FNBT Financial Services Stock FAQ
What does the AI Score mean for FNBT?
FNBT holds an AI Score of 50/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. FineMark Holdings, Inc., through its subsidiary FineMark National Bank & Trust, provides banking and financial services to individuals and corporate clients. The company operates primarily …
What does FineMark Holdings, Inc. do?
FineMark Holdings, Inc., through its subsidiary FineMark National Bank & Trust, provides a comprehensive suite of banking and financial services to individual and corporate clients. These services include deposit accounts, loan products, wealth management, and trust services. The company operates primarily in Florida and Arizona, focusing on building long-term relationships with its clients through personalized service and comprehensive financial solutions.
What are the main risks for FNBT?
FineMark Holdings, Inc. faces several risks, including economic downturns that could negatively impact loan demand and asset quality. Increased competition from larger banks could erode market share. Rising interest rates could increase borrowing costs and reduce profitability. Regulatory changes could increase compliance costs. Additionally, the company faces credit risk associated with its loan portfolio. Investors should carefully consider these risks before investing in FNBT stock.
What are the key factors to evaluate for FNBT?
FineMark Holdings, Inc. (FNBT) holds an AI score of 50/100 (moderate). presents a compelling investment case based on its strong regional presence, diversified revenue streams, and focus on high-net-worth clients. Not financial advice.
How frequently does FNBT data refresh on this page?
FNBT's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven FNBT's recent stock price performance?
FineMark Holdings, Inc. (FNBT) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence in Florida and Arizona. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FNBT overvalued or undervalued right now?
FineMark Holdings, Inc. (FNBT) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research FNBT before investing?
Before investing in FineMark Holdings, Inc. (FNBT), 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) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding FNBT to a portfolio?
Key strength of FineMark Holdings, Inc. (FNBT): Strong regional presence in Florida and Arizona. Weigh rewards against risks and diversify. Not financial advice.
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.
- AI analysis is pending, which may provide further insights into the company's prospects.
- OTC market investments carry higher risks than exchange-listed stocks.