FNCB Bancorp, Inc. (FNCB) 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.
FNCB Bancorp, Inc. (FNCB) trades at $6.75 with AI Score 58/100 (Grade B). FNCB Bancorp, Inc. is a community bank holding company operating in Northeastern Pennsylvania. Market cap: $134M, Sector: Financial services.
Price as of Jul 23, 2026 · Last analyzed: May 9, 2026Analyst Coverage for FNCB: FNCB 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 FNCB against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
FNCB: 1/3 scored disciplines lean bearish. Dominant signal: Seth Klarman bullish.
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.
FNCB Bancorp, Inc. (FNCB) Financial Services Profile
FNCB Bancorp, Inc., established in 1910, serves Northeastern Pennsylvania with a range of retail and commercial banking services. Operating through FNCB Bank, the company focuses on community-oriented financial solutions, leveraging its local presence and customer relationships in a competitive regional banking landscape. With a $134M market cap, FNCB emphasizes traditional banking products and services.
What Is the Investment Thesis for FNCB?
FNCB Bancorp, Inc. presents a focused investment opportunity within the regional banking sector, characterized by its strong community presence and diverse service offerings. The company's dividend yield of 5.33% may attract income-focused investors. With a P/E ratio of 10.3, FNCB's valuation reflects its earnings potential relative to its stock price. Growth catalysts include expanding its wealth management services and increasing commercial lending activities in Northeastern Pennsylvania. Potential risks include interest rate sensitivity and competition from larger regional and national banks. Investors should monitor FNCB's ability to maintain its profit margin of 14.6% and adapt to changing economic conditions.
Based on FMP financials and quantitative analysis
FNCB Key Highlights
- Market capitalization of $134M reflects FNCB's size and market value within the regional banking sector.
- P/E ratio of 10.3 indicates the price investors are willing to pay for each dollar of FNCB's earnings.
- Profit margin of 14.6% demonstrates FNCB's efficiency in generating profit from its revenue.
- Gross margin of 94.0% highlights the profitability of FNCB's core banking services.
- Dividend yield of 5.33% provides a return to investors based on the current stock price.
Who Are FNCB's Competitors?
FNCB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| ESSA ESSA Bancorp, Inc. | $20.61 | +2.54% | $209M | 46 |
| WSFS WSFS Financial Corporation | $78.29 | -0.72% | $4.07B | 86 |
| PBHC Pathfinder Bancorp, Inc. | $15.97 | -0.06% | $98.7M | 50 |
| ATLO Ames National Corporation | $29.79 | +1.05% | $264M | 91 |
| FRAF Franklin Financial Services Corporation | $62.81 | +1.82% | $282M | 92 |
| FVCB FVCBankcorp, Inc. | $17.66 | -0.90% | $318M | 92 |
| CZFS Citizens Financial Services, Inc. | $71.50 | -1.62% | $344M | 92 |
| NECB Northeast Community Bancorp, Inc. | $26.45 | +0.15% | $366M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FNCB's Key Strengths?
- Strong local presence in Northeastern Pennsylvania.
- Established customer relationships.
- Diverse range of banking products and services.
- Experienced management team.
What Are FNCB's Weaknesses?
- Limited geographic reach compared to larger banks.
- Reliance on traditional banking model.
- Sensitivity to interest rate fluctuations.
- Smaller market capitalization.
What Could Drive FNCB Stock Higher?
- Expansion of digital banking services to attract younger customers.
- Increased focus on wealth management services to generate fee income.
- Potential acquisitions of smaller banks in Northeastern Pennsylvania by Q4 2026.
- Continued growth in commercial lending activities to support local businesses.
What Are the Key Risks for FNCB?
- Financial-distress signal — its Altman Z-Score of -0.50 sits in the distress zone (elevated bankruptcy risk).
- Interest rate hikes could negatively impact loan demand and profitability.
- Economic downturn in Northeastern Pennsylvania could lead to increased loan defaults.
- Competition from larger banks and credit unions.
- Cybersecurity threats and data breaches.
What Are the Growth Opportunities for FNCB?
- Expansion of Wealth Management Services: FNCB can grow by expanding its wealth management services to cater to the increasing demand for financial planning and investment advice in Northeastern Pennsylvania. The wealth management market is projected to grow as the population ages and seeks retirement planning assistance. By offering personalized wealth management solutions, FNCB can attract new clients and increase its fee-based income, enhancing its profitability and market share.
- Increased Commercial Lending Activities: FNCB has the opportunity to increase its commercial lending activities by targeting small and medium-sized businesses (SMBs) in its operating region. The SMB sector often requires financing for expansion, equipment purchases, and working capital. By providing tailored commercial loan products and building relationships with local businesses, FNCB can grow its loan portfolio and contribute to the economic development of its communities. This strategy can drive revenue growth and strengthen FNCB's position as a key financial partner for local businesses.
- Digital Banking Enhancements: Investing in and enhancing its digital banking platform can enable FNCB to attract and retain customers who prefer online and mobile banking solutions. The trend towards digital banking is accelerating, with more customers expecting seamless online experiences. By offering user-friendly mobile apps, online account management tools, and secure digital payment options, FNCB can improve customer satisfaction, reduce operational costs, and expand its reach beyond its physical branch network. This digital transformation can drive long-term growth and competitiveness.
- Strategic Acquisitions: FNCB can pursue strategic acquisitions of smaller banks or financial institutions in Northeastern Pennsylvania to expand its market presence and customer base. Acquisitions can provide access to new geographic areas, products, and services, allowing FNCB to diversify its revenue streams and achieve economies of scale. By carefully selecting acquisition targets and integrating them effectively, FNCB can accelerate its growth trajectory and strengthen its competitive position in the regional banking market.
- Community Development Initiatives: Engaging in community development initiatives can enhance FNCB's reputation and attract socially conscious customers. By supporting local non-profits, sponsoring community events, and offering financial literacy programs, FNCB can demonstrate its commitment to the well-being of its communities. These initiatives can build goodwill, attract new customers, and strengthen FNCB's brand image as a responsible and community-focused bank. This approach can differentiate FNCB from larger, less community-oriented competitors.
What Opportunities Does FNCB Have?
- Expansion of wealth management services.
- Increased commercial lending activities.
- Adoption of digital banking technologies.
- Strategic acquisitions of smaller banks.
What Threats Does FNCB Face?
- Competition from larger regional and national banks.
- Economic downturn in Northeastern Pennsylvania.
- Regulatory changes and compliance costs.
- Cybersecurity risks.
What Are FNCB's Competitive Advantages?
- Strong local presence and community relationships.
- Established brand reputation in Northeastern Pennsylvania.
- Personalized customer service.
- Deep understanding of the local market.
What Does FNCB Do?
FNCB Bancorp, Inc., formerly known as First National Community Bancorp, Inc., was founded in 1910 and is headquartered in Dunmore, Pennsylvania. The company operates as the bank holding company for FNCB Bank, providing a comprehensive suite of retail and commercial banking services to individuals, businesses, local governments, and municipalities in Northeastern Pennsylvania. FNCB's core offerings include a variety of deposit products such as checking, savings, money market accounts, and certificates of deposit. The bank also provides an array of lending options, including residential mortgage loans, home equity term loans and lines of credit, construction and land acquisition loans, commercial real estate loans, commercial and industrial loans, and consumer loans. FNCB has expanded its services to include debit cards, mobile and telephone banking, check imaging, and electronic statement services, catering to the evolving needs of its customer base. The bank also offers remote deposit capture, merchant, treasury, and purchasing card services, as well as wealth management services, enhancing its appeal to both retail and commercial clients. As of January 28, 2022, FNCB operated 17 community offices located in Lackawanna, Luzerne, and Wayne Counties, underscoring its commitment to local communities. The company's evolution from First National Community Bancorp, Inc. to FNCB Bancorp, Inc. in October 2016 reflects its ongoing efforts to strengthen its brand and market presence in the competitive regional banking sector.
What Products and Services Does FNCB Offer?
- Provides retail banking services to individuals and families.
- Offers commercial banking services to businesses and organizations.
- Provides checking, savings, and money market accounts.
- Offers residential mortgage loans and home equity products.
- Provides commercial real estate and industrial loans.
- Offers consumer loans, including auto financing and lines of credit.
- Provides wealth management services.
How Does FNCB Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other services.
- Manages risk through underwriting and credit analysis.
- Invests in technology to improve efficiency and customer service.
What Industry Does FNCB Operate In?
FNCB Bancorp, Inc. operates within the regional banking industry, which is characterized by intense competition from larger national banks, credit unions, and other financial institutions. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and economic conditions. Regional banks like FNCB focus on building strong customer relationships and providing personalized services to differentiate themselves. The market is seeing a trend toward digital banking and increased regulatory scrutiny, requiring banks to invest in technology and compliance.
Who Are FNCB's Key Customers?
- Individuals and families in Northeastern Pennsylvania.
- Small and medium-sized businesses.
- Local governments and municipalities.
F-Score 6/9Financial Health
FNCB Bancorp, Inc.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.50 places it in the distress zone, a signal of elevated financial risk.
FNCB Valuation & Market Position
With a $134M market cap, FNCB Bancorp, Inc. sits in the micro-cap segment of the market. Relative to its peer group, FNCB's quantitative score of 58/100 is below the peer average of 73/100.
ROE 10%Key Financial Metrics
Return on equity for FNCB Bancorp, Inc. stands at 10.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.7%, showing how much profit it generates from its asset base. FNCB trades at a trailing price-to-earnings ratio of 10.26, below the Financial Services sector average of ~18x. Its free cash flow yield is 11.6%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.11 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 9.7%, the inverse of the P/E and a quick read on earnings relative to price.
Company Profile
FNCB Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Dunmore, US. The company is led by CEO Gerard A. Champi. FNCB has traded publicly since 1999.
FNCB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in FNCB's future, indicating that key stakeholders believe in the company's potential.
- Community sentiment has shifted positively, with discussions highlighting FNCB's commitment to local banking and community support.
- The bank's focus on expanding its services aligns well with current trends in personalized banking, attracting a loyal customer base.
- Recent news coverage has emphasized FNCB's strong community ties, enhancing its reputation and appeal among socially conscious investors.
Bear Case
- Concerns over regional economic stability could impact FNCB's growth prospects, as local banks often feel the effects of broader economic downturns.
- Some community members express skepticism about the bank's ability to compete with larger institutions, which may affect its market share.
- Recent discussions have highlighted potential regulatory challenges that could hinder FNCB's operational flexibility and growth plans.
- Market perception remains cautious, with some investors worried about the long-term sustainability of FNCB's current business model in a changing financial landscape.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
FNCB Latest News
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Stocks That Hit 52-Week Lows On Friday
· Feb 28, 2020
FNCB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FNCB.
Price Targets
Wall Street price target analysis for FNCB.
FNCB MoonshotScore
What does this score mean?
The MoonshotScore rates FNCB 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Gerard A. Champi
President and Chief Executive Officer
Gerard A. Champi serves as the President and Chief Executive Officer of FNCB Bancorp, Inc. His career in the banking industry spans several decades, with a focus on community banking and financial services. He has held various leadership positions, demonstrating expertise in strategic planning, risk management, and customer relationship management. Mr. Champi is actively involved in community organizations and initiatives, reflecting FNCB's commitment to local development. His deep understanding of the regional market and banking operations makes him a key asset to FNCB.
Track Record: Under Mr. Champi's leadership, FNCB has focused on maintaining a strong community banking presence while adapting to the evolving financial landscape. He has overseen initiatives to enhance customer service, expand digital banking capabilities, and manage risk effectively. His strategic decisions have contributed to FNCB's stability and profitability in a competitive market. He manages 201 employees.
FNCB Bancorp, Inc. Financial Services Stock: Key Questions Answered
What does the AI Score mean for FNCB?
FNCB holds an AI Score of 58/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. FNCB Bancorp, Inc. is a community bank holding company operating in Northeastern Pennsylvania. The company provides retail and commercial banking services, operating 17 community offices.
What does FNCB Bancorp, Inc. do?
FNCB Bancorp, Inc. operates as the bank holding company for FNCB Bank, providing retail and commercial banking services to individuals, businesses, local governments, and municipalities in Northeastern Pennsylvania. The bank offers a range of deposit products, including checking, savings, money market, and certificate of deposit accounts.
What do analysts say about FNCB stock?
Analyst coverage of FNCB Bancorp, Inc. typically focuses on its performance within the regional banking sector, considering factors such as loan growth, net interest margin, and asset quality. Key valuation metrics include the price-to-earnings (P/E) ratio and dividend yield. Growth considerations often involve FNCB's ability to expand its market share, manage expenses effectively, and adapt to changing regulatory requirements.
What are the main risks for FNCB?
FNCB Bancorp, Inc. faces several risks inherent to the banking industry, including interest rate risk, credit risk, and regulatory risk. Interest rate fluctuations can impact the bank's net interest margin and profitability. Credit risk arises from the potential for borrowers to default on their loans, leading to losses for the bank.
What are the key factors to evaluate for FNCB?
FNCB Bancorp, Inc. (FNCB) holds an AI score of 58/100 (moderate). P/E: 10.3x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does FNCB data refresh on this page?
FNCB's price was last updated on Jul 23, 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 FNCB's recent stock price performance?
FNCB Bancorp, Inc. (FNCB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in Northeastern Pennsylvania. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FNCB overvalued or undervalued right now?
FNCB Bancorp, Inc. (FNCB) trades at 10.3x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research FNCB before investing?
Before investing in FNCB Bancorp, Inc. (FNCB), 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).
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 subject to change.
- Financial metrics are as of the latest reporting period.