FineMark Holdings (FNBT) AI Stock Analysis

• Market Cap: $449.46M
• Dividend Yield: N/A
• Average Volume (3M): 4.34K
• Price to Earnings (P/E): 33.8
• Beta (1Y): 0.06
• Revenue Growth: 2.07%
• EPS Growth: 369.06%
• Country: US
• Employees: 272
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 12,282,063
• 10 Day Avg. Volume: 5,769
• 30 Day Avg. Volume: 4,341
• PEG Ratio: -3.02
• Price to Book (P/B): 1.13
• Price to Sales (P/S): 4.43
• P/FCF Ratio: 17.79
• Enterprise Value/Market Cap: 1.24
• Enterprise Value/Revenue: 3.00
• Enterprise Value/Gross Profit: 5.28
• Enterprise Value/Ebitda: 33.76
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 60 Neutral
• Price Target: ―

FineMark Holdings faces significant challenges with declining profit margins and high leverage, impacting its financial performance score. Technical analysis provides mixed signals, with some potential for upward movement but overall neutrality. High valuation metrics suggest caution, as the stock may be overpriced. Key risks include the company's ability to manage debt effectively and improve cash flow generation.

Positive Factors

Revenue Growth

Consistent revenue growth indicates a strong market position and effective business model, supporting long-term expansion and stability.

Business Model

Diversified revenue streams from both interest and non-interest income provide resilience against market fluctuations and support sustainable growth.

Strategic Partnerships

Strategic partnerships enhance service offerings and contribute to earnings, strengthening competitive advantage and market presence.

Negative Factors

Declining Profit Margins

Declining profit margins indicate challenges in cost management and pricing power, potentially impacting long-term profitability and competitiveness.

High Leverage

High leverage can strain financial flexibility and increase risk, especially in volatile market conditions, affecting long-term financial health.

Cash Flow Challenges

Absence of operating cash flow suggests issues in cash generation and operational efficiency, which could hinder investment and growth opportunities.

FineMark Holdings Business Overview & Revenue Model

Company Description

FineMark Holdings (FNBT) is a diversified financial services company that operates in the banking and wealth management sectors. It provides a range of services including personal and business banking, investment management, trust and estate services, and financial advisory. The company is committed to delivering personalized financial solutions to its clients, ensuring their financial health and growth.

How the Company Makes Money

FineMark Holdings generates revenue primarily through interest income from its lending activities and non-interest income from fees and commissions associated with its wealth management and advisory services. The company earns interest income by providing various loan products to individuals and businesses, including personal loans, mortgages, and commercial loans. Non-interest income is derived from investment management fees, trust and estate service fees, and financial advisory commissions. Additionally, FineMark Holdings benefits from strategic partnerships with investment firms and other financial institutions, which enhance its service offerings and contribute to its earnings.

FineMark Holdings Financial Statement Overview

Summary

FineMark Holdings shows stable revenue growth but faces challenges with declining profit margins and high leverage. The balance sheet indicates significant debt, which may pose risks if not managed effectively. Cash flow challenges highlight potential issues in operational efficiency and cash management, requiring strategic adjustments to improve liquidity and profitability.

Income Statement

FineMark Holdings demonstrates moderate revenue growth with a 8.81% increase from 2023 to 2024, and a consistent gross profit margin of 100% due to its nature as a financial institution. However, net profit margins have decreased over recent years, with a net income margin of 7.0% in 2024 compared to 22.3% in 2022. EBIT margins have also shown a downward trend from 52.1% in 2022 to 20.0% in 2024, indicating pressure on operational efficiency.

Balance Sheet

The balance sheet indicates a high debt-to-equity ratio, which stands at 1.28 in 2024, reflecting significant leverage. The equity ratio is 8.6%, showing a modest equity buffer relative to total assets. Return on equity is relatively low at 1.8%, suggesting limited profitability from equity investments.

Cash Flow

Cash flow analysis reveals challenges, with operating cash flow absent in 2024 and a lack of free cash flow. Prior periods showed positive free cash flow, indicating a shift in cash management or operational efficiency. The absence of cash flow metrics for 2024 suggests potential issues in cash generation and capital management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	186.52M	90.84M	83.49M	123.70M	110.08M	104.52M
Gross Profit	105.86M	90.84M	83.49M	97.85M	95.80M	81.80M
EBITDA	16.56M	7.70M	0.00	32.92M	35.46M	31.52M
Net Income	12.88M	6.36M	5.10M	22.37M	25.03M	21.96M
Balance Sheet
Total Assets	3.89B	4.11B	4.10B	3.55B	3.38B	2.85B
Cash, Cash Equivalents and Short-Term Investments	990.51M	366.80M	1.32B	1.04B	1.16B	817.15M
Total Debt	444.38M	489.27M	881.63M	464.30M	327.54M	398.71M
Total Liabilities	3.52B	3.76B	3.80B	3.29B	3.07B	2.64B
Stockholders Equity	373.01M	355.04M	296.29M	260.31M	305.06M	211.06M
Cash Flow
Free Cash Flow	-2.96M	22.61M	6.18M	29.66M	31.97M	8.03M
Operating Cash Flow	-1.96M	24.02M	7.90M	30.76M	34.59M	26.20M
Investing Cash Flow	219.16M	-13.86M	-157.90M	-493.42M	-506.24M	-497.97M
Financing Cash Flow	-303.65M	-12.42M	500.69M	219.28M	505.48M	648.65M

FineMark Holdings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 36.34
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FNBT, the sentiment is Positive. The current price of 36.34 is above the 20-day moving average (MA) of 36.33, below the 50-day MA of 37.73, and above the 200-day MA of 34.14, indicating a neutral trend. The MACD of -0.26 indicates Negative momentum. The RSI at 52.29 is Neutral, neither overbought nor oversold. The STOCH value of 76.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FNBT.

FineMark Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NRIM	76 Outperform	$542.55M	8.74	21.92%	2.59%	36.60%	92.63%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
UNTY	67 Neutral	$502.27M	9.47	17.46%	1.15%	11.38%	36.10%
NFBK	63 Neutral	$424.79M	10.42	5.56%	4.84%	6.08%	52.64%
PFIS	63 Neutral	$494.63M	9.35	10.83%	5.06%	39.98%	413.87%
PGC	62 Neutral	$436.98M	12.81	5.50%	0.74%	9.16%	6.95%
FNBT	60 Neutral	$449.46M	33.79	4.29%	―	2.07%	369.06%