FNB Bancorp (FBIP) Stock Analysis & Winston Score

FNB Bancorp is the parent company of Farmers & Merchants Bank, a community bank based in northern California. It offers everyday banking services like checking and savings accounts, home loans, business loans, and certificates of deposit. Its main customers are individuals, small businesses, and farmers in the communities it serves.

The bank makes money primarily by collecting interest on loans and earning fees on banking services — a traditional model common to community banks. It operates a small network of branches concentrated in California's northern counties, keeping it a regional player with a market cap of roughly $200 million. Community banks like FNB Bancorp often rely on local relationships and personalized service as their main competitive edge, but they face real risk from rising interest rates squeezing loan demand, competition from larger national banks, and limited ability to diversify revenue beyond their home region.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+8.8% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+3.3% YoY

YoY Growth Rate

Slow EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

100.0%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$602M cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

FNB Bancorp is growing revenue at 9% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

−0.7% over 2y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 4.1M (2002) → 4.1M (2004)

Score breakdown

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Quality

Gross Margin

83.9%

Premium pricing power — 83.9% gross margin

Operating Margin

34.3%

Excellent — 34.3% operating margin

ROCE

3.8%

Weak — 3.8% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+1.8%

Nearly flat sales (1.8% YoY)

EPS YoY

-1.7%

Earnings shrinking (-1.7% YoY)

Slight earnings drop. Typical near a cyclical low.

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion

229%

Turns 229% of profit into real cash

FCF Margin

57.0%

Converts sales into free cash efficiently (57.0%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.11

Conservative — low debt load (0.11)

Interest Cover

2.43x

Tight — interest eats into profit (2.4x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

66.6x

Expensive — P/E 66.6

P/E over 35. The market is pricing in heavy, sustained growth.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend Yield

2.15%

Moderate income — 2.15% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+1.8%

Dividend flat

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