FineMark Holdings, Inc.
FineMark Holdings, Inc. Fundamental Analysis
FineMark Holdings, Inc. (FNBT) shows weak financial fundamentals with a PE ratio of 29.49, profit margin of 8.58%, and ROE of 4.29%. The company generates $0.2B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 22.8/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze FNBT's fundamental strength across five key dimensions:
Efficiency Score
WeakFNBT struggles to generate sufficient returns from assets.
Valuation Score
ModerateFNBT shows balanced valuation metrics.
Growth Score
ModerateFNBT shows steady but slowing expansion.
Financial Health Score
WeakFNBT carries high financial risk with limited liquidity.
Profitability Score
WeakFNBT struggles to sustain strong margins.
Key Financial Metrics
Is FNBT Expensive or Cheap?
P/E Ratio
FNBT trades at 29.49 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, FNBT's PEG of 1.01 indicates fair valuation.
Price to Book
The market values FineMark Holdings, Inc. at 1.22 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.49 times EBITDA. This is generally considered low.
How Well Does FNBT Make Money?
Net Profit Margin
For every $100 in sales, FineMark Holdings, Inc. keeps $8.58 as profit after all expenses.
Operating Margin
Core operations generate 12.60 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $4.29 in profit for every $100 of shareholder equity.
ROA
FineMark Holdings, Inc. generates $0.40 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
FineMark Holdings, Inc. generates limited operating cash flow of $1.09M, signaling weaker underlying cash strength.
Free Cash Flow
FineMark Holdings, Inc. generates weak or negative free cash flow of $-4.66M, restricting financial flexibility.
FCF Per Share
Each share generates $-0.38 in free cash annually.
FCF Yield
FNBT converts -1.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
29.49
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.008
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.22
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.53
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.19
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.04
vs 25 benchmark
ROA
Return on assets percentage
0.004
vs 25 benchmark
ROCE
Return on capital employed
0.006
vs 25 benchmark
How FNBT Stacks Against Its Sector Peers
| Metric | FNBT Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 29.49 | 18.59 | Worse (Expensive) |
| ROE | 4.29% | 801.00% | Weak |
| Net Margin | 8.58% | -498.00% (disorted) | Weak |
| Debt/Equity | 1.19 | 0.98 | Weak (High Leverage) |
| Current Ratio | 0.00 | 661.40 | Weak Liquidity |
| ROA | 0.40% | -21324.00% (disorted) | Weak |
FNBT outperforms its industry in 0 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews FineMark Holdings, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical