FNCB Bancorp, Inc. Financial Ratios — FNCB Stock

Profitability (USD)

	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Return on Common Equity (%)	-117.94	- -	- -	- -	- -	- -	- -	23.5	0.52	40.49	25.28	27.95	31.34	24.71	13.96
Return on Assets (%)	-3.31	-2.5	-0.03	-1.32	0.65	1.36	3.48	0.55	0.01	1.11	0.91	1.15	1.37	1.2	0.72
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	-3.89	4.59	3.18	3.89	3.64	3.8	4.84	7.08	6.25	6.15	3.18	3.29	2.74	2.52	2.37
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-110.23	-90.93	-0.8	-42.72	18.35	35.51	22.96	21.92	28.39	34	30.54	37.57	45.45	39.64	28.86
Profit Margin (%)	-92.32	-90.93	-0.8	-42.72	18.35	34.67	101.82	17.17	0.37	27.64	25.24	31.05	37.32	32.96	23.8
Net Income to Common Margin (%)	-92.32	-90.93	-0.8	-42.72	18.35	34.67	101.82	17.17	0.37	27.64	25.24	31.05	37.32	32.96	23.8
Effective Tax Rate (%)	- -	- -	- -	- -	- -	2.37	- -	21.69	98.71	18.7	17.36	17.36	17.89	16.85	17.52
Dvd Payout Ratio (%)	-6.18	- -	- -	- -	- -	- -	- -	23.65	1,480.27	21.4	36.39	28.98	25.39	31.89	54.76
Sustainable Growth Rate (%)	-125.22	- -	- -	- -	- -	- -	- -	17.94	-7.11	31.82	16.08	19.85	23.38	16.83	6.32

Credit (USD)

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	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Total Debt	217	138	84	54	62	97	160	79	60	34	57	10	30	182	175
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	217	138	84	54	62	97	160	79	60	34	57	10	30	182	175
Total Debt/EBITDA	-116.35	85.95	62.46	43.16	49.35	65.65	94.02	30.28	23.96	11.54	40.99	6.33	19.34	116.52	135.87
Net Debt/EBITDA	-103.41	39.41	-63.58	-49.13	-32.51	41.39	81.64	-12.9	8.96	-0.76	16.23	-89.37	-43.85	89.74	52.25
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	1.04	-1.49	-1.6	-3.24	-2.49	-1.19	2.23	2.45	2.39	3.09	4.11	4.12	4.57	5.13	5.13
Long-Term Debt/Equity (%)	344.73	429.27	209.32	145.98	185.93	187.76	185.79	87.25	67.58	35.22	42.83	6.61	18.66	153.31	130.22
Long-Term Debt/Capital (%)	93.87	114.42	126.8	239.08	166.59	113.56	86.8	72.88	68.49	47.26	53.66	14.58	28.52	67.08	64.49
Long-Term Debt/Total Assets (%)	15.92	11.79	7.58	5.57	6.22	9.95	14.68	6.59	5.19	2.77	4.75	0.7	1.82	10.45	9.32
Total Debt/Equity (%)	344.73	429.27	209.32	145.98	185.93	187.76	185.79	87.25	67.58	35.22	42.83	6.61	18.66	153.31	130.22
Total Debt/Capital (%)	93.87	114.42	126.8	239.08	166.59	113.56	86.8	72.88	68.49	47.26	53.66	14.58	28.52	67.08	64.49
Total Debt/Total Assets (%)	15.92	11.79	7.58	5.57	6.22	9.95	14.68	6.59	5.19	2.77	4.75	0.7	1.82	10.45	9.32
Net Debt to Equity	306.38	196.85	-213.09	-166.2	-122.47	118.36	161.33	-37.18	25.26	-2.31	16.96	-93.35	-42.29	118.07	50.08
Net Debt/Capital (%)	93.16	137.9	82.81	66.18	62.23	123.36	85.09	788.69	44.83	-6.23	31.43	170.95	-945.51	61.08	41.12
EBITDA	-2	2	1	1	1	1	2	3	3	3	1	2	2	2	1
EBITDA-CapEx	-6	- -	- -	- -	- -	- -	- -	2	1	-3	-3	- -	- -	1	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	1.04	-1.49	-1.6	-3.24	-2.49	-1.19	2.23	2.45	2.39	3.09	4.11	4.12	4.57	5.13	5.13
Long-Term Debt/Equity (%)	344.73	429.27	209.32	145.98	185.93	187.76	185.79	87.25	67.58	35.22	42.83	6.61	18.66	153.31	130.22
Long-Term Debt/Capital (%)	93.87	114.42	126.8	239.08	166.59	113.56	86.8	72.88	68.49	47.26	53.66	14.58	28.52	67.08	64.49
Long-Term Debt/Total Assets (%)	15.92	11.79	7.58	5.57	6.22	9.95	14.68	6.59	5.19	2.77	4.75	0.7	1.82	10.45	9.32
Total Debt/Equity (%)	344.73	429.27	209.32	145.98	185.93	187.76	185.79	87.25	67.58	35.22	42.83	6.61	18.66	153.31	130.22
Total Debt/Capital (%)	93.87	114.42	126.8	239.08	166.59	113.56	86.8	72.88	68.49	47.26	53.66	14.58	28.52	67.08	64.49
Total Debt/Total Assets (%)	15.92	11.79	7.58	5.57	6.22	9.95	14.68	6.59	5.19	2.77	4.75	0.7	1.82	10.45	9.32
CFO/Total Liabilities	0.33	0.51	0.31	-1.19	1.9	0.93	0.44	0.04	1.1	2.03	1.37	1.49	1.61	1.23	0.91
CFO/CapEx	1	4.67	3.69	-6.9	22.76	6.99	3.14	0.5	10.77	3.85	3.23	11.59	18.73	22.93	64.58
Altman's Z-Score	0.06	- -	0.01	-0.02	0.04	0.04	0.08	0.08	0.1	0.12	0.14	0.12	0.14	0.14	0.13

Working Capital (USD)

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	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Accounts Receivable Turnover	10.75	9.47	14.82	13.51	15.84	18.15	15.47	14.05	13.44	14.11	12.82	13.15	12.83	11.7	8.36
Days Sales Outstanding	33.96	38.52	24.63	27.02	23.04	20.11	23.59	25.98	27.15	25.88	28.48	27.77	28.46	31.19	43.64
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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	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Market Capitalization	74	37	31	38	109	75	68	77	96	113	137	110	163	148	130
- Cash & Cash Equivalents	24	75	169	115	104	36	21	112	38	36	35	156	99	42	108
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	217	138	84	54	62	97	160	79	60	34	57	10	30	182	175
Enterprise Value	267	101	-239	-209	-136	-83	-46	-232	-171	-185	-113	-386	-428	-188	-254
Total Capital	232	120	66	23	37	85	184	108	88	72	107	71	106	272	272
Total Debt/Capital (%)	93.87	114.42	126.8	239.08	166.59	113.56	86.8	72.88	68.49	47.26	53.66	14.58	28.52	67.08	64.49
Total Debt / EV	0.81	1.37	-0.35	-0.26	-0.46	-1.16	-3.46	-0.34	-0.35	-0.19	-0.51	-0.03	-0.07	-0.97	-0.69
EV/Sales	5.56	2.88	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	62.81	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	61.15	17.36	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	30.53	14.3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	74	37	31	38	109	75	68	77	96	113	137	110	163	148	130
Diluted Enterprise Value	267	101	-54	-24	67	136	208	44	118	111	160	-36	95	289	197
EV per Share	16.5	6.12	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	48	35	42	32	35	39	35	37	40	48	44	49	57	62	55
TTM EBITDA	-2	2	1	1	1	1	2	3	3	3	1	2	2	2	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	4	6	3	-11	18	9	4	- -	12	23	15	20	24	20	16
TTM Free Cash Flow to Firm	9	7	4	-9	19	10	6	1	13	29	19	21	25	21	16

Multiples (USD)

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	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Price/Free Cash Flow	8.42	5.33	7.42	-4.01	5.64	7.71	11.65	59.68	7.46	3.89	7.15	5.16	6.41	7.11	8.08
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	267	101	-239	-209	-136	-83	-46	-232	-171	-185	-113	-386	-428	-188	-254
Low Price	4.85	3	2	2.1	2.83	5.15	5.02	4.75	6.05	7.01	7.03	5.08	5.8	7.34	5.45
EV/Sales	5.56	2.88	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	62.81	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	17.01	5.59	1.91	12.24	651.85	8.48	12.39	7.15	7.63	7.24	10
Price/Earnings Average	-2.31	-1.69	-119.19	-3.01	7.98	5.88	1.94	11.38	641.53	8.92	11.38	6.99	6.29	7.2	9.2
Price/Earnings High	-4.74	-3.06	-235.59	-5.22	23.18	12.16	3.02	18.12	924.88	15.1	19.1	11.25	8.85	9.8	13.68
Price/Earnings Low	-1.77	-1.55	-98.16	-2.52	7.3	6.33	2.31	12.48	688.26	8.82	12.57	6.69	5.46	7.09	8.29
Price/Book Value	5.18	-2.16	-1.76	-1.21	-4.35	-6.51	2.81	2.63	3.46	2.96	2.78	1.82	2.15	1.66	1.35
Price/Book Value Average	7.2	-3.09	-2.26	-1.32	-2.04	-6.85	2.86	2.45	3.4	3.12	2.55	1.78	1.77	1.65	1.24
Price/Book Value High	14.8	-5.59	-4.47	-2.28	-5.93	-14.17	4.44	3.9	4.9	5.28	4.28	2.86	2.49	2.24	1.84
Price/Book Value Low	5.52	-2.84	-1.86	-1.1	-1.87	-7.37	3.4	2.68	3.65	3.08	2.82	1.7	1.54	1.62	1.11
Price/Tangible Book Value	1.19	1.21	0.79	1.04	3.28	1.47	0.8	0.85	1.07	1.16	1.03	0.7	1.01	1.25	0.97
Price/Tangible Book Value Average	1.65	1.72	1.02	1.14	1.54	1.55	0.81	0.79	1.06	1.23	0.94	0.69	0.83	1.24	0.89
Price/Tangible Book Value High	3.39	3.12	2.02	1.97	4.47	3.19	1.26	1.27	1.52	2.07	1.58	1.11	1.17	1.69	1.32
Price/Tangible Book Value Low	1.27	1.59	0.84	0.95	1.41	1.66	0.96	0.87	1.13	1.21	1.04	0.66	0.72	1.22	0.8
Price/Sales	1.53	1.07	0.74	1.18	3.12	1.94	1.95	2.1	2.38	2.34	3.13	2.22	2.85	2.39	2.38
Price/Sales Average	2.13	1.54	0.95	1.29	1.46	2.04	1.98	1.95	2.34	2.47	2.87	2.17	2.35	2.37	2.19
Price/Sales High	4.38	2.78	1.88	2.23	4.25	4.22	3.07	3.11	3.38	4.17	4.82	3.49	3.3	3.23	3.26
Price/Sales Low	1.63	1.41	0.78	1.08	1.34	2.19	2.35	2.14	2.51	2.44	3.17	2.08	2.04	2.34	1.97
Price/Cash Flow	16.86	6.47	9.43	-3.43	5.89	8.81	15.35	178.34	8.14	4.89	9.37	5.61	6.75	7.42	8.21
Price/Cash Flow Average	23.44	9.26	12.12	-3.74	2.76	9.28	15.61	165.87	8.01	5.15	8.6	5.48	5.57	7.38	7.55
Price/Cash Flow High	48.17	16.74	23.96	-6.48	8.02	19.17	24.23	264.07	11.55	8.71	14.43	8.82	7.83	10.04	11.23
Price/Cash Flow Low	17.97	8.51	9.98	-3.13	2.53	9.97	18.57	181.79	8.6	5.09	9.5	5.24	4.83	7.26	6.8
Price/Free Cash Flow Average	11.7	7.63	9.54	-4.37	2.65	8.12	11.84	55.5	7.34	4.09	6.57	5.05	5.29	7.07	7.44
Price/Free Cash Flow High	24.05	13.79	18.85	-7.58	7.69	16.77	18.38	88.36	10.58	6.92	11.02	8.12	7.43	9.62	11.06
Price/Free Cash Flow Low	8.97	7.01	7.85	-3.66	2.42	8.73	14.09	60.83	7.88	4.04	7.26	4.83	4.59	6.96	6.7
EV/Sales Average	6.16	3.35	- -	- -	0.28	3.61	5.93	1.04	2.9	2.42	3.39	- -	1.15	4.64	3.43
EV/Sales High	8.41	4.59	- -	0.32	3.07	5.79	7.02	2.2	3.94	4.13	5.34	0.55	2.1	5.5	4.49
EV/Sales Low	5.66	3.22	- -	- -	0.16	3.76	6.3	1.23	3.07	2.39	3.69	- -	0.84	4.6	3.21
EV/EBITDA Average	-158.13	72.9	-33.74	-16.06	7.76	95.1	122.52	14.68	46.44	39.38	106.49	-23.47	41.96	183.86	144.86
EV/EBITDA High	-215.88	99.97	-4.6	8.18	84.42	152.4	145.1	31.01	62.99	67.17	167.72	16.64	76.79	217.8	189.98
EV/EBITDA Low	-145.37	70.2	-39.01	-21.46	4.34	99.14	130.27	17.33	49.17	38.92	115.95	-26.31	30.59	182.34	135.65
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	4.55	2.28	1.89	2.3	6.59	4.55	4.15	4.66	5.73	6.74	6.93	5.43	8.11	7.5	6.58
High Price	13	5.9	4.8	4.35	8.98	9.9	6.55	6.9	8.13	12	10.68	8.54	9.4	10.15	9
Enterprise Value Average	296	117	-45	-20	10	140	209	38	117	117	149	-38	66	288	187
Enterprise Value High	403	160	-6	10	107	224	247	81	158	199	234	27	120	341	245
Enterprise Value Low	272	112	-52	-27	5	146	222	45	124	116	162	-43	48	285	175

Shares Outstanding	16	16	16	16	16	16	17	17	17	17	20	20	20	20	20
Diluted Weighted Avg Shares	16	16	16	16	16	16	16	17	17	17	20	20	20	20	20
Basic Weighted Avg Shares	16	16	16	16	16	16	16	17	17	17	20	20	20	20	20
Revenue per Share	2.97	2.12	2.56	1.95	2.11	2.35	2.13	2.22	2.41	2.87	2.22	2.45	2.85	3.14	2.76
EBITDA per Share	-0.12	0.1	0.08	0.08	0.08	0.09	0.1	0.16	0.15	0.18	0.07	0.08	0.08	0.08	0.07
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-2.74	-1.93	-0.02	-0.83	0.39	0.81	2.17	0.38	0.01	0.79	0.56	0.76	1.06	1.04	0.66
Basic EPS from Cont Ops	-2.74	-1.93	-0.02	-0.83	0.39	0.81	2.17	0.38	0.01	0.79	0.56	0.76	1.06	1.04	0.66
Diluted EPS, GAAP	-2.74	-1.93	-0.02	-0.83	0.39	0.81	2.17	0.38	0.01	0.79	0.56	0.76	1.06	1.03	0.66
Diluted EPS from Cont Ops	-2.74	-1.93	-0.02	-0.83	0.39	0.81	2.17	0.38	0.01	0.79	0.56	0.76	1.06	1.03	0.66
Dividend per Share	0.17	- -	- -	- -	- -	- -	- -	0.09	0.13	0.17	0.2	0.22	0.27	0.33	0.36
Cash Flow per Share	0.27	0.35	0.2	-0.67	1.12	0.52	0.27	0.03	0.7	1.38	0.74	0.97	1.2	1.01	0.8
Free Cash Flow per Basic Share	- -	0.28	0.15	-0.77	1.07	0.44	0.18	-0.03	0.64	1.02	0.51	0.88	1.14	0.97	0.79
Cash & Equivalents per Share	1.5	4.53	21.54	18.27	18.66	15.45	16.66	23.44	19.57	19.79	15.52	25.03	30.91	26.24	28.3
Book Value per Share	0.88	-1.06	-1.07	-1.91	-1.52	-0.7	1.48	1.77	1.66	2.27	2.5	2.99	3.78	4.53	4.89
Tangible Book Value per Share	3.83	1.89	2.38	2.21	2.01	3.1	5.21	5.45	5.33	5.79	6.75	7.71	8.06	6.01	6.81

FNCB Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)