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FIRST BANCORP INC/ME (FNLC) Stock Fundamental Analysis

NASDAQ:FNLC - Nasdaq - US31866P1021 - Common Stock

26  -0.32 (-1.22%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to FNLC. FNLC was compared to 405 industry peers in the Banks industry. FNLC has only an average score on both its financial health and profitability. FNLC is valued expensive and it does not seem to be growing. FNLC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

FNLC had positive earnings in the past year.
FNLC had a positive operating cash flow in the past year.
FNLC had positive earnings in each of the past 5 years.
In the past 5 years FNLC always reported a positive cash flow from operatings.
FNLC Yearly Net Income VS EBIT VS OCF VS FCFFNLC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M 50M

1.2 Ratios

FNLC has a Return On Assets of 0.84%. This is comparable to the rest of the industry: FNLC outperforms 57.29% of its industry peers.
FNLC has a Return On Equity of 10.30%. This is in the better half of the industry: FNLC outperforms 75.38% of its industry peers.
Industry RankSector Rank
ROA 0.84%
ROE 10.3%
ROIC N/A
ROA(3y)1.29%
ROA(5y)1.25%
ROE(3y)14.65%
ROE(5y)13.62%
ROIC(3y)N/A
ROIC(5y)N/A
FNLC Yearly ROA, ROE, ROICFNLC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15

1.3 Margins

FNLC's Profit Margin of 33.80% is amongst the best of the industry. FNLC outperforms 89.95% of its industry peers.
FNLC's Profit Margin has been stable in the last couple of years.
FNLC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 33.8%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.69%
PM growth 5Y-0.47%
GM growth 3YN/A
GM growth 5YN/A
FNLC Yearly Profit, Operating, Gross MarginsFNLC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30 40

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4

2. Health

2.1 Basic Checks

FNLC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FNLC has been increased compared to 1 year ago.
FNLC has more shares outstanding than it did 5 years ago.
FNLC has a better debt/assets ratio than last year.
FNLC Yearly Shares OutstandingFNLC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M 8M 10M
FNLC Yearly Total Debt VS Total AssetsFNLC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B 2B 2.5B

2.2 Solvency

There is no outstanding debt for FNLC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC20.65%
FNLC Yearly LT Debt VS Equity VS FCFFNLC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FNLC Yearly Current Assets VS Current LiabilitesFNLC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M

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1

3. Growth

3.1 Past

FNLC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.76%.
FNLC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.18% yearly.
FNLC shows a decrease in Revenue. In the last year, the revenue decreased by -6.88%.
FNLC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.13% yearly.
EPS 1Y (TTM)-17.76%
EPS 3Y2.41%
EPS 5Y4.18%
EPS Q2Q%1.39%
Revenue 1Y (TTM)-6.88%
Revenue growth 3Y1.14%
Revenue growth 5Y5.13%
Sales Q2Q%3.4%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
FNLC Yearly Revenue VS EstimatesFNLC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M
FNLC Yearly EPS VS EstimatesFNLC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 0.5 1 1.5 2 2.5

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3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.77, the valuation of FNLC can be described as very reasonable.
Based on the Price/Earnings ratio, FNLC is valued cheaply inside the industry as 85.43% of the companies are valued more expensively.
FNLC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.29.
Industry RankSector Rank
PE 9.77
Fwd PE N/A
FNLC Price Earnings VS Forward Price EarningsFNLC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as FNLC.
Industry RankSector Rank
P/FCF 11.84
EV/EBITDA N/A
FNLC Per share dataFNLC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)2.34
EPS Next 2YN/A
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.51%, FNLC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.22, FNLC pays a better dividend. On top of this FNLC pays more dividend than 93.72% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.28, FNLC pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.51%

5.2 History

The dividend of FNLC has a limited annual growth rate of 4.67%.
FNLC has paid a dividend for at least 10 years, which is a reliable track record.
As FNLC did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)4.67%
Div Incr Years9
Div Non Decr Years9
FNLC Yearly Dividends per shareFNLC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

59.81% of the earnings are spent on dividend by FNLC. This is a bit on the high side, but may be sustainable.
The dividend of FNLC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP59.81%
EPS Next 2YN/A
EPS Next 3YN/A
FNLC Yearly Income VS Free CF VS DividendFNLC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M 50M
FNLC Dividend Payout.FNLC Dividend Payout, showing the Payout Ratio.FNLC Dividend Payout.PayoutRetained Earnings

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FIRST BANCORP INC/ME

NASDAQ:FNLC (1/22/2025, 10:46:47 AM)

26

-0.32 (-1.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A N/A
Earnings (Next)01-22 2025-01-22
Inst Owners49.79%
Inst Owner Change0.24%
Ins Owners3.78%
Ins Owner Change0%
Market Cap289.90M
Analysts0
Price TargetN/A
Short Float %0.37%
Short Ratio2.14
Dividend
Industry RankSector Rank
Dividend Yield 5.51%
Yearly Dividend1.4
Dividend Growth(5Y)4.67%
DP59.81%
Div Incr Years9
Div Non Decr Years9
Ex-Date01-06 2025-01-06 (0.36)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 9.77
Fwd PE N/A
P/S 3.71
P/FCF 11.84
P/OCF 11.43
P/B 1.13
P/tB 1.29
EV/EBITDA N/A
EPS(TTM)2.66
EY10.23%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.2
FCFY8.45%
OCF(TTM)2.28
OCFY8.75%
SpS7.02
BVpS23.03
TBVpS20.11
PEG (NY)N/A
PEG (5Y)2.34
Profitability
Industry RankSector Rank
ROA 0.84%
ROE 10.3%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 33.8%
GM N/A
FCFM 31.3%
ROA(3y)1.29%
ROA(5y)1.25%
ROE(3y)14.65%
ROE(5y)13.62%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.69%
PM growth 5Y-0.47%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 39.97%
Cap/Sales 1.13%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 92.6%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC20.65%
ROIC/WACCN/A
Cap/Depr(3y)126.69%
Cap/Depr(5y)115.08%
Cap/Sales(3y)3.05%
Cap/Sales(5y)2.95%
Profit Quality(3y)121.39%
Profit Quality(5y)106.88%
High Growth Momentum
Growth
EPS 1Y (TTM)-17.76%
EPS 3Y2.41%
EPS 5Y4.18%
EPS Q2Q%1.39%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-6.88%
Revenue growth 3Y1.14%
Revenue growth 5Y5.13%
Sales Q2Q%3.4%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-42.21%
FCF growth 3Y19.36%
FCF growth 5Y1.16%
OCF growth 1Y-42.2%
OCF growth 3Y17.6%
OCF growth 5Y1.76%