Michael Pacelli - FNB Bancorp Independent Director
Director
Mr. Michael Pacelli is the Independent Director of FNB Bancorp. He is Director of the Company and First National Bank since 2006. President of Bay Relations, Inc. since 1992. He was involved in public relations and community organizations in San Mateo County and San Francisco for over 25 years. since 2006.
| Age | 65 |
| Tenure | 18 years |
| Phone | 650 588-6800 |
| Web | www.fnbnorcal.com |
FNB Bancorp Management Efficiency
FNB Bancorp's management efficiency ratios could be used to measure how well FNB Bancorp manages its routine affairs as well as how well it operates its assets and liabilities.The company currently holds 78.75 M in liabilities with Debt to Equity (D/E) ratio of 9.79, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist FNB Bancorp until it has trouble settling it off, either with new capital or with free cash flow. So, FNB Bancorp's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like FNB Bancorp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for FNB to invest in growth at high rates of return. When we think about FNB Bancorp's use of debt, we should always consider it together with cash and equity.
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Management Performance
| Return On Equity | 8.0E-4 | |||
| Return On Asset | 1.0E-4 |
FNB Bancorp Leadership Team
Elected by the shareholders, the FNB Bancorp's board of directors comprises two types of representatives: FNB Bancorp inside directors who are chosen from within the company, and outside directors, selected externally and held independent of FNB. The board's role is to monitor FNB Bancorp's management team and ensure that shareholders' interests are well served. FNB Bancorp's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, FNB Bancorp's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Lisa Angelot, Independent Chairwoman of the Board | ||
| David Curtis, CFO, Principal Accounting Officer, Sr. VP, Member of Risk Management/Compliance Committee, CFO of First National Bank of Northern California and Sr. VP of First National Bank of Northern California | ||
| Merrie Lightner, Independent Director | ||
| Michael Pacelli, Independent Director | ||
| Thomas Atwood, Independent Director | ||
| Jim Black, President, Director, Member of Nominating Committee, Member of Loan and Discount Committee, Member of Risk Management/Compliance Committee, Member of Building Committee and President of First National Bank of Northern California and Director of First National Bank of Northern California | ||
| Randy Brugioni, Chief Credit Officer, Sr. VP, Chief Credit Officer for First National Bank of Northern California and Sr. VP for First National Bank of Northern California | ||
| Edward Watson, Secretary, Director | ||
| Anthony Clifford, COO, Executive VP, Director, Member of Nominating Committee, Member of Loan and Discount Committee, Member of Risk Management/Compliance Committee, Member of Building Committee, COO of First National Bank of Northern California, Executive VP of First National Bank of Northern California and Director of First National Bank of Northern California | ||
| Thomas McGraw, CEO, Director, Member of Nominating Committee, Member of Loan and Discount Committee, Member of Risk Management/Compliance Committee, CEO of First National Bank of Northern California, Secretary of First National Bank of Northern California and Director of First National Bank of Northern California | ||
| Ronald Barels, Independent Director |
FNB Stock Performance Indicators
The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is FNB Bancorp a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
| Return On Equity | 8.0E-4 | |||
| Return On Asset | 1.0E-4 | |||
| Profit Margin | 0 % | |||
| Operating Margin | 40.54 % | |||
| Current Valuation | 333 M | |||
| Shares Outstanding | 7.48 M | |||
| Shares Owned By Insiders | 24.47 % | |||
| Shares Owned By Institutions | 22.45 % | |||
| Number Of Shares Shorted | 105.2 K | |||
| Price To Earning | 24.53 X |
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Other Consideration for investing in FNB Stock
If you are still planning to invest in FNB Bancorp check if it may still be traded through OTC markets such as Pink Sheets or OTC Bulletin Board. You may also purchase it directly from the company, but this is not always possible and may require contacting the company directly. Please note that delisted stocks are often considered to be more risky investments, as they are no longer subject to the same regulatory and reporting requirements as listed stocks. Therefore, it is essential to carefully research the FNB Bancorp's history and understand the potential risks before investing.
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