FIRST BANCORP INC/ME(NASDAQ:FNLC) stock Fundamental Analysis

Fundamental Rating

Overall FNLC gets a fundamental rating of 3 out of 10. We evaluated FNLC against 402 industry peers in the Banks industry. While FNLC seems to be doing ok healthwise, there are quite some concerns on its profitability. FNLC does not seem to be growing, but still is valued expensively. FNLC also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year FNLC was profitable.

In the past year FNLC had a positive cash flow from operations.

FNLC had positive earnings in each of the past 5 years.

FNLC had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.84%, FNLC is in line with its industry, outperforming 54.48% of the companies in the same industry.

Looking at the Return On Equity, with a value of 10.30%, FNLC is in the better half of the industry, outperforming 72.64% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.84%
ROE	10.3%
ROIC	N/A

ROA(3y)1.09%

ROA(5y)1.17%

ROE(3y)13.3%

ROE(5y)13.36%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With an excellent Profit Margin value of 33.80%, FNLC belongs to the best of the industry, outperforming 89.30% of the companies in the same industry.

FNLC's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for FNLC so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	33.8%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-7.32%

PM growth 5Y-2.52%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

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.

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 Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC20.7%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

FNLC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.91%.

The Earnings Per Share has been growing slightly by 4.18% on average over the past years.

Looking at the last year, FNLC shows a decrease in Revenue. The Revenue has decreased by -0.48% in the last year.

FNLC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.13% yearly.

EPS 1Y (TTM)-8.91%

EPS 3Y2.41%

EPS 5Y4.18%

EPS Q2Q%8.33%

Revenue 1Y (TTM)-0.48%

Revenue growth 3Y1.14%

Revenue growth 5Y5.13%

Sales Q2Q%10.17%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.59, the valuation of FNLC can be described as very reasonable.

Compared to the rest of the industry, the Price/Earnings ratio of FNLC indicates a rather cheap valuation: FNLC is cheaper than 82.09% of the companies listed in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 29.35, FNLC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.59
Fwd PE	N/A

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as FNLC.

		Industry Rank	Sector Rank
P/FCF	11.62
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)2.29

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

FNLC has a Yearly Dividend Yield of 5.65%, which is a nice return.

FNLC's Dividend Yield is rather good when compared to the industry average which is at 3.37. FNLC pays more dividend than 92.04% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.33, FNLC pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.65%

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.

FNLC has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.

Dividend Growth(5Y)4.67%

Div Incr Years9

Div Non Decr Years9

5.3 Sustainability

FNLC pays out 59.81% of its income as dividend. This is a bit on the high side, but may be sustainable.

FNLC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP59.81%

EPS Next 2YN/A

EPS Next 3YN/A

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FIRST BANCORP INC/ME

NASDAQ:FNLC (3/7/2025, 8:26:56 PM)

After market: 25.5 0 (0%)

25.5

+0.03 (+0.12%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-22 2025-01-22/amc

Earnings (Next)04-15 2025-04-15

Inst Owners51.19%

Inst Owner Change1.45%

Ins Owners3.92%

Ins Owner Change1.03%

Market Cap284.58M

Analysts0

Price TargetN/A

Short Float %0.26%

Short Ratio1.13

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.65%

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 Rank	Sector Rank
PE	9.59
Fwd PE	N/A
P/S	3.64
P/FCF	11.62
P/OCF	11.22
P/B	1.11
P/tB	1.27
EV/EBITDA	N/A

EPS(TTM)2.66

EY10.43%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)2.19

FCFY8.6%

OCF(TTM)2.27

OCFY8.91%

SpS7.01

BVpS23.01

TBVpS20.09

PEG (NY)N/A

PEG (5Y)2.29

Profitability

		Industry Rank	Sector 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)1.09%

ROA(5y)1.17%

ROE(3y)13.3%

ROE(5y)13.36%

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 3Y-7.32%

PM growth 5Y-2.52%

GM growth 3YN/A

GM growth 5YN/A

F-Score3

Asset Turnover0.02

Health

		Industry Rank	Sector 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-Score3

WACC20.7%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-8.91%

EPS 3Y2.41%

EPS 5Y4.18%

EPS Q2Q%8.33%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-0.48%

Revenue growth 3Y1.14%

Revenue growth 5Y5.13%

Sales Q2Q%10.17%

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-24.64%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-27.46%

OCF growth 3YN/A

OCF growth 5YN/A

FIRST BANCORP INC/ME (FNLC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens