FineMark Holdings, Inc.

FineMark Holdings, Inc.

FNBT
FineMark Holdings, Inc.US flagOther OTC
38.07
USD
- -
- -
467.70MMarket Cap
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
TTM
Revenue per Share
5.4
6.51
7.46
7.75
9.72
9.29
8.55
7.05
7.07
Basic EPS, GAAP
0.9
1.08
1.75
1.72
2.46
2.43
1.91
0.43
0.23
Free Cash Flow per Basic Share
1.62
2.79
-0.3
2.09
0.9
3.14
2.53
0.52
-0.44
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
2.03
3.17
5
6.58
8.99
10.2
10.88
11.15
11.19
Tangible Book Value per Share
14.73
16.09
18.38
20.15
23.65
29.57
22.18
24.9
29.35
Basic Weighted Avg Shares
9
9
9
9
9
10
12
12
12
Sales/Revenue/Turnover
48
58
64
69
87
96
100
84
85
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
2
2
2
3
3
3
4
5
2
Net Income, GAAP
8
10
15
15
22
25
22
5
3
Effective Tax Rate (%)
34.23
38.32
15.04
23.62
23.15
22.73
22.42
16.22
20.01
Profit Margin (%)
16.66
16.66
23.47
22.17
25.3
26.12
22.3
6.08
3.98
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
121
97
226
303
393
316
450
844
738
Total Equity
131
143
159
178
211
305
260
296
354
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
41.67
42.42
29.98
31.71
26.99
19.21
3.92
2.12

Capital Structure

FRC

in mil. unless spec.
Mar'24
Jun'24
Sep'24
ST Debt
8
4
11
LT Borrowings
737
727
728
LT Finance Leases
11
11
11
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
12
12
12
Market Capitalization
301
292
320

Working Capital

FRC

in mil. unless spec.
Mar'24
Jun'24
Sep'24
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,355
1,237
1,357
Accounts Receivable, Net
13
14
14
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
8
4
11
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
14.89%
13.82%
Free Cash Flow
- -
-128.8%
-79.17%
Net Income, GAAP
- -
-5.77%
-77.2%
Sales/Revenue/Turnover
- -
6.36%
-16.35%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
22
21
20
20
84
2024
28
22
24
28
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.17
0.15
0.06
- -
0.43
2024
0.24
0.02
0.11
0.29
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
- -
2024
0.04
- -
- -
0.04
- -

Company Description

APIChat
CEO
Joseph R. Catti
Full Time Employees
272
Sector
Financial Services
Industry
Banks - Regional
Address
8695 College Parkway Fort Myers FL United States of America 33919
IPO Date
Jan 29, 2019
Business
FineMark Holdings, Inc. (OTCQX: FNBT) operates as the bank holding company for FineMark National Bank & Trust, a nationally chartered commercial bank and trust company that provides a comprehensive range of personal and business banking, lending, wealth management, trust, and investment services to individual, corporate, professional athlete, and high-net-worth clients. Core offerings encompass personal banking products including checking, savings, money market, individual retirement, health savings accounts, certificates of deposit, safe deposit boxes, credit and debit cards, and IntraFi network deposits; business banking solutions such as insured cash sweep, certificate of deposit account registry service, sweep accounts, small business checking, commercial checking, repurchase accounts, remote deposit capture, automated clearing house receivables, wholesale and retail lockbox, ACH payments, direct deposit, domestic wire transfers, fraud prevention via check and ACH positive pay/block services, and customized alerts; lending services covering real estate mortgages, commercial, and personal loans; wealth management encompassing financial planning, investment management, estate planning, retirement strategies, and sports/entertainment executive services; as well as online banking platforms, client portals, credit cards, foreign currency exchange, Medallion Signature Guarantee, and notary services. The company maintains 13 to 14 banking offices across Florida, Arizona, and South Carolina, targeting affluent markets with a focus on relationship-driven service and community involvement. Founded in 2007 and headquartered in Fort Myers, Florida, FineMark Holdings emphasizes integrated financial solutions delivered through experienced professionals utilizing advanced wealth management software for net worth tracking, cash flow analysis, and scenario planning. In a significant strategic development, FineMark entered a definitive merger agreement with Commerce Bancshares, Inc. (NASDAQ: CBSH) in June 2025 for an all-stock transaction valued at approximately $585 million, which has secured regulatory approvals from the Federal Reserve Bank of Kansas City and Missouri Division of Finance, shareholder approval exceeding 99% in October 2025, and a recent adjustment to the exchange ratio as of December 2025, positioning the combined entity with roughly $36 billion in assets and expanded presence in high-growth markets. This pending acquisition underscores FineMark's value in wealth administration and private banking, enhancing operational scale while preserving client-centric culture and service excellence.

Company News

APIChat
  • Commerce Bancshares: Valuation, Not Quality, Is The Problem

  • Commerce Bancshares Completes Acquisition of FineMark

  • Commerce Bancshares, Inc. Completes FineMark Holdings, Inc. Acquisition

  • Exchange Ratio Adjusted for Commerce Bancshares, Inc.'s Pending Acquisition of FineMark Holdings, Inc.

  • FineMark Shareholders Approve Commerce Bancshares Merger

  • Commerce Bancshares Secures Green Light for FineMark Acquisition

  • Commerce Bancshares, Inc. Receives Regulatory Approval to Acquire FineMark Holdings, Inc.

  • Commerce Bancshares Says FineMark Acquisition Will Support Wealth Management Growth

  • FineMark Holdings, Inc. Reports Second Quarter 2025 Earnings

  • Commerce Bancshares to buy Florida peer FineMark in $585 million deal

  • Shareholder Alert: The Ademi Firm Investigates Whether FineMark Holdings, Inc. Is Obtaining a Fair Price for Its Public Shareholders

  • Commerce Bancshares, Inc. and Finemark Holdings, Inc. Announce Definitive Merger Agreement

  • FineMark Holdings, Inc. Reports First Quarter 2025 Earnings

  • FineMark Holdings, Inc. Reports Fourth Quarter and Full Year 2024 Earnings

  • FineMark Holdings, Inc. Reports Third Quarter 2024 Earnings

  • FineMark Holdings, Inc. Reports Second Quarter 2024 Earnings

  • FineMark Holdings, Inc. Reports First Quarter 2024 Earnings

  • KBRA Comments on FineMark Holdings, Inc.'s Preferred Stock Issuance

  • FineMark Holdings, Inc. Reports Fourth Quarter and Full Year 2023 Earnings

  • FineMark Holdings, Inc. Reports Third Quarter 2023 Earnings