FNB Bancorp, Inc.

FBIP

FBIPFNB Bancorp, Inc. US flag

Other OTC

142.50

USD

- -

229.44MMarket Cap

Profitability (USD)

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	2002 Y	2003 Y	2004 Y
Return on Common Equity (%)	- -	12.47	11.33
Return on Assets (%)	- -	1.52	1.42
Return on Capital (%)	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -
Gross Margin (%)	100	100	100
EBITDA Margin (%)	48.15	47.7	46.05
Operating Margin (%)	42.82	41.22	40.82
Incremental Operating Margin (%)	- -	-24.79	63.95
Pretax Margin (%)	42.82	41.22	40.82
Profit Margin (%)	30.42	29.88	30.01
Net Income to Common Margin (%)	30.42	29.88	30.01
Effective Tax Rate (%)	28.95	27.51	26.49
Dvd Payout Ratio (%)	27.84	28.46	30.72
Sustainable Growth Rate (%)	- -	8.92	7.85

Credit (USD)

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	2002 Y	2003 Y	2004 Y
Total Debt	- -	- -	- -
ST Debt	- -	- -	- -
LT Debt	- -	- -	- -
Total Debt/EBITDA	- -	- -	- -
Net Debt/EBITDA	-2.16	-2.16	-2
Total Debt/EBIT	- -	- -	- -
Net Debt/EBIT	-2.42	-2.5	-2.26
EBITDA to Interest Expense	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -
Interest Expense	- -	- -	- -
Common Equity/Total Assets	12.16	12.26	12.87
Long-Term Debt/Equity (%)	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -
Net Debt to Equity	-45.18	-43.88	-36.88
Net Debt/Capital (%)	-79.47	-70.23	-50.39
EBITDA	14	14	14
EBITDA-CapEx	14	14	14
Operating Income (Loss)	13	13	12

Liquidity (USD)

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	2002 Y	2003 Y	2004 Y
Cash Ratio	- -	- -	- -
Current Ratio	- -	- -	- -
Quick Ratio	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -
Common Equity/Total Assets	12.16	12.26	12.87
Long-Term Debt/Equity (%)	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -
CFO/Total Liabilities	2.6	1.81	1.8
CFO/CapEx	- -	- -	- -
Altman's Z-Score	0.35	0.35	0.37

Working Capital (USD)

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	2002 Y	2003 Y	2004 Y
Accounts Receivable Turnover	- -	- -	- -
Days Sales Outstanding	- -	- -	- -
Inventory Turnover	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -
Inventory to Cash Days	- -	- -	- -
Inventories	- -	- -	- -
Raw Materials	- -	- -	- -
Work In Process	- -	- -	- -
Finished Goods	- -	- -	- -
Other Inventory	- -	- -	- -

Enterprise Value (USD)

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	2002 Y	2003 Y	2004 Y
Market Capitalization	72	80	93
- Cash & Cash Equivalents	31	31	28
+ Preferred Equity and Hybrid Capital	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -
+ Total Debt	- -	- -	- -
Enterprise Value	- -	- -	- -
Total Capital	69	76	82
Total Debt/Capital (%)	- -	- -	- -
Total Debt / EV	- -	- -	- -
EV/Sales	- -	- -	- -
EV/EBITDA	- -	- -	- -
EV/EBIT	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -
Diluted Market Cap	72	80	93
Diluted Enterprise Value	- -	- -	- -
EV per Share	- -	- -	- -
TTM Sales	30	30	30
TTM EBITDA	14	14	14
TTM Operating Income	13	13	12
TTM Cash Flow to Firm	13	10	10
TTM Free Cash Flow to Firm	13	10	10

Multiples (USD)

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	2002 Y	2003 Y	2004 Y
Price/Free Cash Flow	5.51	8.07	9.21
EV/EBIT	- -	- -	- -
Enterprise Value	- -	- -	- -
Low Price	64.38	68.11	77.87
EV/Sales	- -	- -	- -
EV/EBITDA	- -	- -	- -
Price/Earnings	8	8.81	10.42
Price/Earnings Average	7.84	8.18	9.44
Price/Earnings High	8	13.85	16.86
Price/Earnings Low	7.36	7.71	8.89
Price/Book Value	1.04	1.05	1.14
Price/Book Value Average	1.02	0.98	1.03
Price/Book Value High	1.04	1.65	1.84
Price/Book Value Low	0.95	0.92	0.97
Price/Tangible Book Value	1.06	1.12	1.25
Price/Tangible Book Value Average	1.04	1.04	1.13
Price/Tangible Book Value High	1.06	1.76	2.02
Price/Tangible Book Value Low	0.97	0.98	1.07
Price/Sales	2.43	2.63	3.13
Price/Sales Average	2.39	2.44	2.83
Price/Sales High	2.43	4.14	5.06
Price/Sales Low	2.24	2.3	2.67
Price/Cash Flow	5.51	8.07	9.21
Price/Cash Flow Average	5.4	7.49	8.34
Price/Cash Flow High	5.51	12.69	14.91
Price/Cash Flow Low	5.07	7.06	7.86
Price/Free Cash Flow Average	5.4	7.49	8.34
Price/Free Cash Flow High	5.51	12.69	14.91
Price/Free Cash Flow Low	5.07	7.06	7.86
EV/Sales Average	- -	- -	- -
EV/Sales High	- -	- -	- -
EV/Sales Low	- -	- -	- -
EV/EBITDA Average	- -	- -	- -
EV/EBITDA High	- -	- -	- -
EV/EBITDA Low	- -	- -	- -
EV/EBIT Average	- -	- -	- -
EV/EBIT High	- -	- -	- -
EV/EBIT Low	- -	- -	- -
Last Price	70.01	77.87	91.23
High Price	70.01	122.38	147.62
Enterprise Value Average	- -	- -	- -
Enterprise Value High	- -	- -	- -
Enterprise Value Low	- -	- -	- -

Profitability (USD)

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	2002 Y	2003 Y	2004 Y
Return on Common Equity (%)	- -	12.47	11.33
Return on Assets (%)	- -	1.52	1.42
Return on Capital (%)	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -
Gross Margin (%)	100	100	100
EBITDA Margin (%)	48.15	47.7	46.05
Operating Margin (%)	42.82	41.22	40.82
Incremental Operating Margin (%)	- -	-24.79	63.95
Pretax Margin (%)	42.82	41.22	40.82
Profit Margin (%)	30.42	29.88	30.01
Net Income to Common Margin (%)	30.42	29.88	30.01
Effective Tax Rate (%)	28.95	27.51	26.49
Dvd Payout Ratio (%)	27.84	28.46	30.72
Sustainable Growth Rate (%)	- -	8.92	7.85

Credit (USD)

API Chat

	2002 Y	2003 Y	2004 Y
Total Debt	- -	- -	- -
ST Debt	- -	- -	- -
LT Debt	- -	- -	- -
Total Debt/EBITDA	- -	- -	- -
Net Debt/EBITDA	-2.16	-2.16	-2
Total Debt/EBIT	- -	- -	- -
Net Debt/EBIT	-2.42	-2.5	-2.26
EBITDA to Interest Expense	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -
Interest Expense	- -	- -	- -
Common Equity/Total Assets	12.16	12.26	12.87
Long-Term Debt/Equity (%)	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -
Net Debt to Equity	-45.18	-43.88	-36.88
Net Debt/Capital (%)	-79.47	-70.23	-50.39
EBITDA	14	14	14
EBITDA-CapEx	14	14	14
Operating Income (Loss)	13	13	12

Liquidity (USD)

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	2002 Y	2003 Y	2004 Y
Cash Ratio	- -	- -	- -
Current Ratio	- -	- -	- -
Quick Ratio	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -
Common Equity/Total Assets	12.16	12.26	12.87
Long-Term Debt/Equity (%)	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -
CFO/Total Liabilities	2.6	1.81	1.8
CFO/CapEx	- -	- -	- -
Altman's Z-Score	0.35	0.35	0.37

Working Capital (USD)

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	2002 Y	2003 Y	2004 Y
Accounts Receivable Turnover	- -	- -	- -
Days Sales Outstanding	- -	- -	- -
Inventory Turnover	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -
Inventory to Cash Days	- -	- -	- -
Inventories	- -	- -	- -
Raw Materials	- -	- -	- -
Work In Process	- -	- -	- -
Finished Goods	- -	- -	- -
Other Inventory	- -	- -	- -

Enterprise Value (USD)

API Chat

	2002 Y	2003 Y	2004 Y
Market Capitalization	72	80	93
- Cash & Cash Equivalents	31	31	28
+ Preferred Equity and Hybrid Capital	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -
+ Total Debt	- -	- -	- -
Enterprise Value	- -	- -	- -
Total Capital	69	76	82
Total Debt/Capital (%)	- -	- -	- -
Total Debt / EV	- -	- -	- -
EV/Sales	- -	- -	- -
EV/EBITDA	- -	- -	- -
EV/EBIT	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -
Diluted Market Cap	72	80	93
Diluted Enterprise Value	- -	- -	- -
EV per Share	- -	- -	- -
TTM Sales	30	30	30
TTM EBITDA	14	14	14
TTM Operating Income	13	13	12
TTM Cash Flow to Firm	13	10	10
TTM Free Cash Flow to Firm	13	10	10

Multiples (USD)

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	2002 Y	2003 Y	2004 Y
Price/Free Cash Flow	5.51	8.07	9.21
EV/EBIT	- -	- -	- -
Enterprise Value	- -	- -	- -
Low Price	64.38	68.11	77.87
EV/Sales	- -	- -	- -
EV/EBITDA	- -	- -	- -
Price/Earnings	8	8.81	10.42
Price/Earnings Average	7.84	8.18	9.44
Price/Earnings High	8	13.85	16.86
Price/Earnings Low	7.36	7.71	8.89
Price/Book Value	1.04	1.05	1.14
Price/Book Value Average	1.02	0.98	1.03
Price/Book Value High	1.04	1.65	1.84
Price/Book Value Low	0.95	0.92	0.97
Price/Tangible Book Value	1.06	1.12	1.25
Price/Tangible Book Value Average	1.04	1.04	1.13
Price/Tangible Book Value High	1.06	1.76	2.02
Price/Tangible Book Value Low	0.97	0.98	1.07
Price/Sales	2.43	2.63	3.13
Price/Sales Average	2.39	2.44	2.83
Price/Sales High	2.43	4.14	5.06
Price/Sales Low	2.24	2.3	2.67
Price/Cash Flow	5.51	8.07	9.21
Price/Cash Flow Average	5.4	7.49	8.34
Price/Cash Flow High	5.51	12.69	14.91
Price/Cash Flow Low	5.07	7.06	7.86
Price/Free Cash Flow Average	5.4	7.49	8.34
Price/Free Cash Flow High	5.51	12.69	14.91
Price/Free Cash Flow Low	5.07	7.06	7.86
EV/Sales Average	- -	- -	- -
EV/Sales High	- -	- -	- -
EV/Sales Low	- -	- -	- -
EV/EBITDA Average	- -	- -	- -
EV/EBITDA High	- -	- -	- -
EV/EBITDA Low	- -	- -	- -
EV/EBIT Average	- -	- -	- -
EV/EBIT High	- -	- -	- -
EV/EBIT Low	- -	- -	- -
Last Price	70.01	77.87	91.23
High Price	70.01	122.38	147.62
Enterprise Value Average	- -	- -	- -
Enterprise Value High	- -	- -	- -
Enterprise Value Low	- -	- -	- -

	2002 Y	2003 Y	2004 Y
Shares Outstanding	1	1	1
Diluted Weighted Avg Shares	1	1	1
Basic Weighted Avg Shares	1	1	1
Revenue per Share	28.77	29.57	29.18
EBITDA per Share	13.85	14.11	13.44
Operating Income per Share	12.32	12.19	11.91
Basic EPS, GAAP	8.75	8.83	8.76
Basic EPS from Cont Ops	8.75	8.83	8.76
Diluted EPS, GAAP	8.75	8.83	8.76
Diluted EPS from Cont Ops	8.75	8.83	8.76
Dividend per Share	2.44	2.51	2.69
Cash Flow per Share	12.71	9.64	9.9
Free Cash Flow per Basic Share	12.71	9.64	9.9
Cash & Equivalents per Share	29.86	30.52	26.92
Book Value per Share	67.42	73.98	80.34
Tangible Book Value per Share	66.08	69.56	72.99

FNB Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)