Private company

FNCB Bancorp, Inc.

In its 2024 annual report the company says: “FNCB Bancorp, Inc. is a Pennsylvania business corporation and a registered bank holding company headquartered in Dunmore, Pennsylvania.”3

Last updated Oct 20, 2026.

Overview

  • IndustryNational Commercial Banks1
  • HeadquartersDunmore, Pennsylvania1
  • Incorporated inPA2
  • Business address102 East Drinker Street, Dunmore, Pa 185122
  • Filer categoryNon-accelerated filer, Smaller reporting company2
  • Legal formCorporation

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FNCB Bancorp, Inc. is a Pennsylvania business corporation and a registered bank holding company headquartered in Dunmore, Pennsylvania. FNCB Bancorp, Inc. was incorporated in 1997 under its former name, First National Community Bancorp, Inc. and became an active bank holding company on July 1, 1998 when it acquired 100% ownership of FNCB Bank, formerly First National Community Bank (the "Bank"). In this report, the terms “FNCB,” "the Company," “we,” “us,” and “our” refer to FNCB Bancorp, Inc. and its subsidiaries, unless the context requires otherwise. In certain circumstances, however, FNCB Bancorp, Inc. uses the term “FNCB” to refer to itself.3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2023

286.2%Net margin4
2.8%Revenue growth, 20234
9.6%Return on equity4
1.49×Debt to equity4
$15.6MFree cash flow4

Where the money goes

Where each dollar of revenue went, fiscal 2023

  • Interest68¢$34.1M
  • Income tax6¢$2.8M
  • Profit26¢$13.0M

Out of $4.5M in revenue.4

Where each dollar of operating cash went, fiscal 2023

  • Capital spending2¢$245.0K
  • Dividends paid45¢$7.1M
  • Kept or used elsewhere54¢$8.5M

Out of $15.8M of cash from operations.4

Financial statements

Revenue567894$4.5M in 2023+56% since 2017
0$2.0M$4.0M$6.0M2017: $2.9M$2.9M20172018: $2.9M$2.9M2018−1%2019: $3.0M$3.0M2019+5%2020: $3.3M$3.3M2020+7%2021: $3.9M$3.9M2021+19%2022: $4.4M$4.4M2022+14%2023: $4.5M$4.5M2023+3%
Net income567894$13.0M in 2023+8732% since 2017
0$10.0M$20.0M$30.0M2017: $147.0K$147.0K20172018: $13.3M$13.3M2018+8981%2019: $11.1M$11.1M2019−17%2020: $15.3M$15.3M2020+39%2021: $21.4M$21.4M2021+39%2022: $20.4M$20.4M2022−4%2023: $13.0M$13.0M2023−36%
Fiscal year2017201820192020202120222023
Revenue$2.9M5$2.9M6$3.0M7$3.3M8$3.9M9$4.4M4$4.5M4
Interest$4.8M5$8.6M6$9.8M7$6.2M8$2.7M9$6.7M4$34.1M4
Income before tax$26.0M9$24.6M4$15.7M4
Income tax$11.3M5$3.1M6$2.3M7$3.2M8$4.7M9$4.1M4$2.8M4
Net income$147.0K5$13.3M6$11.1M7$15.3M8$21.4M9$20.4M4$13.0M4
Earnings per share$0.015$0.796$0.567$0.768$1.069$1.044$0.664
Earnings per share (diluted)$0.015$0.796$0.567$0.768$1.069$1.034$0.664
Shares (weighted, basic)20.1M shares919.7M shares419.7M shares4
Shares (weighted, diluted)20.1M shares919.8M shares419.7M shares4

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Corporate structure

FNCB Bancorp, Inc. sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of FNCB Bancorp, Inc.

  • Louis A. Denaples Filed SC 13D/A on FNCB Bancorp, Inc., latest Jul 1, 2024 (2 filings since Oct 20, 2023)
  • FNCB Bancorp, Inc. Dunmore, Pennsylvania

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What FNCB Bancorp, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$31.9M4 Dec 31, 2023$31.7M4 Dec 31, 2022+0.6%
Accumulated depreciation$17.3M4 Dec 31, 2023$16.1M4 Dec 31, 2022+7.7%
Property and equipment, net$14.5M4 Dec 31, 2023$15.6M4 Dec 31, 2022−6.9%
Operating-lease assets (leased space)$2.9M4 Dec 31, 2023$3.2M4 Dec 31, 2022−9.1%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$107.9M4 Dec 31, 2023$41.9M4 Dec 31, 2022+157.3%
Debt securities available for sale$450.8M4 Dec 31, 2023$476.1M4 Dec 31, 2022−5.3%
Equity securities at fair value$4.8M4 Dec 31, 2023$7.7M4 Dec 31, 2022−38.0%
Loans, net of allowance$1.1B9 Dec 31, 2022$967.0M9 Dec 31, 2021+14.8%
Deposits held (banks)$1.5B4 Dec 31, 2023$1.4B4 Dec 31, 2022+7.6%

Leadership

Who has led FNCB Bancorp, Inc., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. J. David Lombardi2006–2010
  2. Gerard A. Champi2010–2024
  3. Steven R. Tokach2011–2016

Chair

  1. Louis A. Denaples2006–2009

President

  1. J. David Lombardi2006–2010
  2. Gerard A. Champi2010–2024
  3. Steven R. Tokach2011–2016

Chief financial officer

  1. Edward J. Lipkus Iii.2010
  2. James M. Bone Jr.2013–2024

Chief operating officer

  1. Gerard A. Champi2013–2016
2010201520202025
Board members and other officers (46)

Former names

  • FIRST NATIONAL COMMUNITY BANCORP INCMar 28, 1997 to Oct 11, 20162

Timeline

  1. Jul 1, 20248-K Completed an acquisition or sale; Listing notice or transfer; Change to shareholders' rights64
  2. Jun 14, 20248-K Other events65
  3. Apr 30, 20248-K Results of operations66
  4. Apr 24, 20248-K Other events67
  5. Mar 22, 20248-K Shareholder vote; Other events68
  6. Mar 13, 20248-K Other events69
  7. Jan 30, 20248-K Results of operations70
  8. Jan 24, 20248-K Other events71
  9. Nov 20, 20238-K Regulation FD disclosure72
  10. Nov 17, 20238-K Regulation FD disclosure73
  11. Oct 30, 20238-K Results of operations74
  12. Oct 25, 20238-K Other events75
  13. Nov 23, 2011New chief executive Steven R. Tokach becomes CEO13
  14. Mar 8, 2010New chief executive Gerard A. Champi becomes CEO14
  15. Aug 30, 2006New chief executive J. David Lombardi becomes CEO15

Calendar

When it reported results

  1. Apr 30, 2024Reported quarterly or annual results66
  2. Jan 30, 2024Reported quarterly or annual results70
  3. Oct 30, 2023Reported quarterly or annual results74
  4. Jul 28, 2023Reported quarterly or annual results76
  5. Apr 28, 2023Reported quarterly or annual results77
  6. Jan 27, 2023Reported quarterly or annual results78
  7. Oct 28, 2022Reported quarterly or annual results79
  8. Jul 29, 2022Reported quarterly or annual results80

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

419 filings to the SEC since October 2021: 3 annual reports, 8 quarterly reports, 48 major events, 335 insider forms, 2 large holders, 1 private raises, 22 other. The latest 20:

  1. Jul 15, 202415-12G EDGAR
  2. Jul 11, 2024EFFECT EDGAR
  3. Jul 11, 2024S-8 POS EDGAR
  4. Jul 11, 2024S-8 POS EDGAR
  5. Jul 11, 2024S-8 POS EDGAR
  6. Jul 11, 2024S-8 POS EDGAR
  7. Jul 11, 2024POS AM EDGAR
  8. Jul 11, 2024S-3DPOS EDGAR
  9. Jul 1, 20244 EDGAR
  10. Jul 1, 20244 EDGAR
  11. Jul 1, 20244 EDGAR
  12. Jul 1, 20244 EDGAR
  13. Jul 1, 20244 EDGAR
  14. Jul 1, 20244 EDGAR
  15. Jul 1, 20244 EDGAR
  16. Jul 1, 20244 EDGAR
  17. Jul 1, 20244 EDGAR
  18. Jul 1, 20244 EDGAR
  19. Jul 1, 20244 EDGAR
  20. Jul 1, 20244 EDGAR

The 419 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

18 open-market trades by officers, directors and large owners since October 2021: 3 buys and 15 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Jun 16, 2023Chiaro James PEVP/CHIEF INV SERVICES OFFICERBuy1,000$6.24$6.2KForm 4
May 25, 2023Westington Stephanie A.SVP/CHIEF ACCOUNTING OFFICERSale149$5.80$864Form 4
May 25, 2023Kinney Lisa LSVP/RETAIL LENDING OFFICERSale148$5.80$858Form 4
May 25, 2023Gronski Dawn DSVP/HUMAN RESOURCES OFFICERSale107$5.80$621Form 4
May 25, 2023Cunningham Aaron JEVP/CHIEF CREDIT OFFICERSale210$5.80$1.2KForm 4
May 18, 2023Westington Stephanie A.SVP/CHIEF ACCOUNTING OFFICERSale672$5.79$3.9KForm 4
May 18, 2023Kinney Lisa LSVP/RETAIL LENDING OFFICERSale675$5.79$3.9KForm 4
May 18, 2023KELLEY AMY MSVP/OPERATIONS OFFICERSale954$5.79$5.5KForm 4
May 18, 2023Gronski Dawn DSVP/HUMAN RESOURCES OFFICERSale537$5.79$3.1KForm 4
May 18, 2023Drust Richard DSVP/RETAIL BANKING OFFICERSale598$5.79$3.5KForm 4
May 18, 2023Cunningham Aaron JEVP/CHIEF CREDIT OFFICERSale935$5.79$5.4KForm 4
Dec 14, 2022DeNaples Louis A JrDirectorBuy770$7.83$6.0KForm 4
May 18, 2022McGuigan WilliamSVP/AUDIT OFFICERSale1,705$5.79$9.9KForm 4
May 18, 2022Westington Stephanie A.SVP/CHIEF ACCOUNTING OFFICERSale846$7.79$6.6KForm 4
May 18, 2022Kinney Lisa LSVP/RETAIL LENDING OFFICERSale829$7.79$6.5KForm 4
May 18, 2022Cunningham Aaron JEVP/CHIEF CREDIT OFFICERSale899$7.79$7.0KForm 4
May 12, 2022DeNaples Louis A JrDirectorBuy4,762$8.40$40.0KForm 4
Mar 3, 2022Kinney Lisa LSVP/RETAIL LENDING OFFICERSale4,782$9.50$45.4KForm 4

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Money raised

Private offerings the company reported to the SEC on Form D.

  1. Sep 30, 2022Raised $200,000 in a private offering of equity Form D: 1 investor so far Form D

SEC filer profile

How FNCB Bancorp, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARFNCB Bancorp, Inc.1
  • CIK0001035976
  • Employer ID (EIN)23-29007901
  • Filer statusNon-accelerated filer<br>smaller reporting company1
  • Incorporated inPennsylvania1
  • Fiscal year endsDecember 311
  • Industry code (SIC)6021 National Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address102 East Drinker Street, Dunmore, PA 185121
  • Phone570-346-76671
  • Shares outstanding19,795,670 as of May 3, 202412
  • Public float$96.4M as of Jun 30, 20234
  • On EDGAR sinceMar 28, 19971
  • Filings1,743 in all: 4 (1,099), 8-K (279), 10-Q (81), 5 (54), 3 (38), 10-K (27), 4/A (26), DEF 14A (23)1
    All 42 form types

    CORRESP (15), 425 (10), ARS (9), UPLOAD (9), 8-K/A (7), 10-Q/A (6), 3/A (5), PRE 14A (4), S-8 (4), S-8 POS (4), 10-K/A (3), 424B3 (3), D (3), EFFECT (3), S-3DPOS (3), SC 13D/A (3), 424B5 (2), S-1 (2), S-1/A (2), S-3 (2), S-4 POS (2), S-4EF (2), SC 13D (2), 15-12G (1), 25-NSE (1), 5/A (1), 8-A12B (1), CERT (1), DEFA14A (1), DEFM14A (1), FWP (1), NT 10-Q (1), POS AM (1), S-3D (1)

  • Latest filingsAnnual report (10-K) Mar 8, 2024
    Quarterly report (10-Q) May 3, 2024
    Proxy statement (DEF 14A) Apr 10, 2023
    Latest 8-K (8-K) Jul 1, 2024

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