FNB BANCORP INC PA

OOTC:FBIPOTC Markets

51.65

USD

0.00

(0.00%)

2.14EPS

16.79P/E

146.57MMarket Cap

Profitability (USD)

Profitability Ratios API ChatGPT

	2002 Y	2003 Y	2004 Y
As of date	12/31/2002	12/31/2003	12/31/2004

Return on Common Equity (%)	- -	13	12.26
Return on Assets (%)	- -	1.52	1.42
Return on Capital (%)	- -	13	12.26
Return on Invested Capital (%)	- -	13	12.26
Gross Margin (%)	- -	- -	- -
EBITDA Margin (%)	48.15	47.7	46.05
Operating Margin (%)	42.82	41.22	40.82
Incremental Operating Margin (%)	- -	- -	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 (%)	- -	9.3	8.49

Credit (USD)

Credit Ratios API ChatGPT

	2002 Y	2003 Y	2004 Y
As of date	12/31/2002	12/31/2003	12/31/2004

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	11.91	11.53	11.69
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 (%)	-82.43	-78.18	-58.42
EBITDA	14	14	14
EBITDA-CapEx	14	14	14
Operating Income (Loss)	13	13	12

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2002 Y	2003 Y	2004 Y
As of date	12/31/2002	12/31/2003	12/31/2004

Cash Ratio	- -	- -	- -
Current Ratio	- -	- -	- -
Quick Ratio	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -
Common Equity/Total Assets	11.91	11.53	11.69
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	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

No data availableFinancial data will appear here once available

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2002 Y	2003 Y	2004 Y
As of date	12/31/2002	12/31/2003	12/31/2004

Market Capitalization	- -	126	143
- Cash & Cash Equivalents	31	31	28
+ Preferred Equity and Hybrid Capital	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -
+ Total Debt	- -	- -	- -
Enterprise Value	- -	94	116
Total Capital	68	71	75
Total Debt/Capital (%)	- -	- -	- -
Total Debt / EV	- -	- -	- -
EV/Sales	- -	3.1	3.87
EV/EBITDA	- -	6.51	8.41
EV/EBIT	- -	7.53	9.49
EV/Cash Flow to Firm	- -	9.52	11.41
EV/Free Cash Flow to Firm	- -	9.52	11.41
Diluted Market Cap	- -	126	144
Diluted Enterprise Value	- -	94	116
EV per Share	- -	22.96	28.36
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)

Valuation Multiples API ChatGPT

	2002 Y	2003 Y	2004 Y
As of date	12/31/2002	12/31/2003	12/31/2004

Price/Free Cash Flow	- -	12.69	14.18
EV/EBIT	- -	7.53	9.49
Enterprise Value	- -	94	116
Low Price	- -	29.17	30.95
EV/Sales	- -	3.1	3.87
EV/EBITDA	- -	6.51	8.41
Price/Earnings	- -	13.85	16.04
Price/Earnings Average	- -	13.72	15.62
Price/Earnings High	- -	13.85	16.86
Price/Earnings Low	- -	13.21	14.14
Price/Book Value	- -	1.76	1.92
Price/Book Value Average	- -	1.74	1.87
Price/Book Value High	- -	1.76	2.01
Price/Book Value Low	- -	1.68	1.69
Price/Tangible Book Value	- -	1.76	1.92
Price/Tangible Book Value Average	- -	1.74	1.87
Price/Tangible Book Value High	- -	1.76	2.01
Price/Tangible Book Value Low	- -	1.68	1.69
Price/Sales	- -	4.14	4.81
Price/Sales Average	- -	4.1	4.69
Price/Sales High	- -	4.14	5.06
Price/Sales Low	- -	3.95	4.24
Price/Cash Flow	- -	12.69	14.18
Price/Cash Flow Average	- -	12.57	13.81
Price/Cash Flow High	- -	12.69	14.91
Price/Cash Flow Low	- -	12.1	12.5
Price/Free Cash Flow Average	- -	12.57	13.81
Price/Free Cash Flow High	- -	12.69	14.91
Price/Free Cash Flow Low	- -	12.1	12.5
EV/Sales Average	- -	3.06	3.75
EV/Sales High	- -	3.1	4.12
EV/Sales Low	- -	2.91	3.3
EV/EBITDA Average	- -	6.42	8.14
EV/EBITDA High	- -	6.51	8.94
EV/EBITDA Low	- -	6.1	7.18
EV/EBIT Average	- -	7.43	9.18
EV/EBIT High	- -	7.53	10.09
EV/EBIT Low	- -	7.06	8.1
Last Price	- -	30.6	35.12
High Price	- -	30.6	36.9
Enterprise Value Average	- -	93	112
Enterprise Value High	- -	94	123
Enterprise Value Low	- -	88	99

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2002 Y	2003 Y	2004 Y
As of date	12/31/2002	12/31/2003	12/31/2004

Shares Outstanding	4	4	4
Diluted Weighted Avg Shares	4	4	4
Basic Weighted Avg Shares	4	4	4
Revenue per Share	7.19	7.39	7.29
EBITDA per Share	3.46	3.53	3.36
Operating Income per Share	3.08	3.05	2.98
Basic EPS, GAAP	2.19	2.21	2.19
Basic EPS from Cont Ops	2.19	2.21	2.19
Diluted EPS, GAAP	2.19	2.21	2.19
Diluted EPS from Cont Ops	2.19	2.21	2.19
Dividend per Share	0.61	0.63	0.67
Cash Flow per Share	3.18	2.41	2.48
Free Cash Flow per Basic Share	3.18	2.41	2.48
Cash & Equivalents per Share	7.48	7.64	6.75
Book Value per Share	16.55	17.4	18.32
Tangible Book Value per Share	16.55	17.4	18.32

Profitability (USD)

Profitability Ratios API ChatGPT

	2002 Y	2003 Y	2004 Y
As of date	12/31/2002	12/31/2003	12/31/2004

Return on Common Equity (%)	- -	13	12.26
Return on Assets (%)	- -	1.52	1.42
Return on Capital (%)	- -	13	12.26
Return on Invested Capital (%)	- -	13	12.26
Gross Margin (%)	- -	- -	- -
EBITDA Margin (%)	48.15	47.7	46.05
Operating Margin (%)	42.82	41.22	40.82
Incremental Operating Margin (%)	- -	- -	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 (%)	- -	9.3	8.49

Credit (USD)

Credit Ratios API ChatGPT

	2002 Y	2003 Y	2004 Y
As of date	12/31/2002	12/31/2003	12/31/2004

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	11.91	11.53	11.69
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 (%)	-82.43	-78.18	-58.42
EBITDA	14	14	14
EBITDA-CapEx	14	14	14
Operating Income (Loss)	13	13	12

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2002 Y	2003 Y	2004 Y
As of date	12/31/2002	12/31/2003	12/31/2004

Cash Ratio	- -	- -	- -
Current Ratio	- -	- -	- -
Quick Ratio	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -
Common Equity/Total Assets	11.91	11.53	11.69
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	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

No data availableFinancial data will appear here once available

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2002 Y	2003 Y	2004 Y
As of date	12/31/2002	12/31/2003	12/31/2004

Market Capitalization	- -	126	143
- Cash & Cash Equivalents	31	31	28
+ Preferred Equity and Hybrid Capital	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -
+ Total Debt	- -	- -	- -
Enterprise Value	- -	94	116
Total Capital	68	71	75
Total Debt/Capital (%)	- -	- -	- -
Total Debt / EV	- -	- -	- -
EV/Sales	- -	3.1	3.87
EV/EBITDA	- -	6.51	8.41
EV/EBIT	- -	7.53	9.49
EV/Cash Flow to Firm	- -	9.52	11.41
EV/Free Cash Flow to Firm	- -	9.52	11.41
Diluted Market Cap	- -	126	144
Diluted Enterprise Value	- -	94	116
EV per Share	- -	22.96	28.36
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)

Valuation Multiples API ChatGPT

	2002 Y	2003 Y	2004 Y
As of date	12/31/2002	12/31/2003	12/31/2004

Price/Free Cash Flow	- -	12.69	14.18
EV/EBIT	- -	7.53	9.49
Enterprise Value	- -	94	116
Low Price	- -	29.17	30.95
EV/Sales	- -	3.1	3.87
EV/EBITDA	- -	6.51	8.41
Price/Earnings	- -	13.85	16.04
Price/Earnings Average	- -	13.72	15.62
Price/Earnings High	- -	13.85	16.86
Price/Earnings Low	- -	13.21	14.14
Price/Book Value	- -	1.76	1.92
Price/Book Value Average	- -	1.74	1.87
Price/Book Value High	- -	1.76	2.01
Price/Book Value Low	- -	1.68	1.69
Price/Tangible Book Value	- -	1.76	1.92
Price/Tangible Book Value Average	- -	1.74	1.87
Price/Tangible Book Value High	- -	1.76	2.01
Price/Tangible Book Value Low	- -	1.68	1.69
Price/Sales	- -	4.14	4.81
Price/Sales Average	- -	4.1	4.69
Price/Sales High	- -	4.14	5.06
Price/Sales Low	- -	3.95	4.24
Price/Cash Flow	- -	12.69	14.18
Price/Cash Flow Average	- -	12.57	13.81
Price/Cash Flow High	- -	12.69	14.91
Price/Cash Flow Low	- -	12.1	12.5
Price/Free Cash Flow Average	- -	12.57	13.81
Price/Free Cash Flow High	- -	12.69	14.91
Price/Free Cash Flow Low	- -	12.1	12.5
EV/Sales Average	- -	3.06	3.75
EV/Sales High	- -	3.1	4.12
EV/Sales Low	- -	2.91	3.3
EV/EBITDA Average	- -	6.42	8.14
EV/EBITDA High	- -	6.51	8.94
EV/EBITDA Low	- -	6.1	7.18
EV/EBIT Average	- -	7.43	9.18
EV/EBIT High	- -	7.53	10.09
EV/EBIT Low	- -	7.06	8.1
Last Price	- -	30.6	35.12
High Price	- -	30.6	36.9
Enterprise Value Average	- -	93	112
Enterprise Value High	- -	94	123
Enterprise Value Low	- -	88	99

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2002 Y	2003 Y	2004 Y
As of date	12/31/2002	12/31/2003	12/31/2004

Shares Outstanding	4	4	4
Diluted Weighted Avg Shares	4	4	4
Basic Weighted Avg Shares	4	4	4
Revenue per Share	7.19	7.39	7.29
EBITDA per Share	3.46	3.53	3.36
Operating Income per Share	3.08	3.05	2.98
Basic EPS, GAAP	2.19	2.21	2.19
Basic EPS from Cont Ops	2.19	2.21	2.19
Diluted EPS, GAAP	2.19	2.21	2.19
Diluted EPS from Cont Ops	2.19	2.21	2.19
Dividend per Share	0.61	0.63	0.67
Cash Flow per Share	3.18	2.41	2.48
Free Cash Flow per Basic Share	3.18	2.41	2.48
Cash & Equivalents per Share	7.48	7.64	6.75
Book Value per Share	16.55	17.4	18.32
Tangible Book Value per Share	16.55	17.4	18.32