FIRST BANCORP INC/ME (FNLC) Fundamental Analysis & Valuation

NASDAQ:FNLC • US31866P1021

Current stock price

27.19 USD
+0.06 (+0.22%)
Last:

This FNLC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. FNLC Profitability Analysis

1.1 Basic Checks

  • FNLC had positive earnings in the past year.
  • In the past year FNLC had a positive cash flow from operations.
  • Each year in the past 5 years FNLC has been profitable.
  • Of the past 5 years FNLC 4 years had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.98%, FNLC is in line with its industry, outperforming 55.64% of the companies in the same industry.
  • With a decent Return On Equity value of 11.47%, FNLC is doing good in the industry, outperforming 77.95% of the companies in the same industry.
Industry RankSector Rank
ROA 0.98%
ROE 11.47%
ROIC N/A
ROA(3y)0.98%
ROA(5y)1.16%
ROE(3y)11.67%
ROE(5y)13.36%
ROIC(3y)N/A
ROIC(5y)N/A
FNLC Yearly ROA, ROE, ROICFNLC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • The Profit Margin of FNLC (34.67%) is better than 89.76% of its industry peers.
  • FNLC's Profit Margin has been stable in the last couple of years.
  • The Operating Margin and Gross Margin are not available for FNLC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 34.67%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.66%
PM growth 5Y0.85%
GM growth 3YN/A
GM growth 5YN/A
FNLC Yearly Profit, Operating, Gross MarginsFNLC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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4

2. FNLC Health Analysis

2.1 Basic Checks

  • FNLC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, FNLC has more shares outstanding
  • The number of shares outstanding for FNLC has been increased compared to 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.
FNLC Yearly Shares OutstandingFNLC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M
FNLC Yearly Total Debt VS Total AssetsFNLC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.2 Solvency

  • FNLC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC23.53%
FNLC Yearly LT Debt VS Equity VS FCFFNLC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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3

3. FNLC Growth Analysis

3.1 Past

  • FNLC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.67%, which is quite impressive.
  • The Earnings Per Share has been growing slightly by 4.36% on average over the past years.
  • FNLC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.01%.
  • Measured over the past years, FNLC shows a small growth in Revenue. The Revenue has been growing by 3.97% on average per year.
EPS 1Y (TTM)26.67%
EPS 3Y-4.55%
EPS 5Y4.36%
EPS Q2Q%40%
Revenue 1Y (TTM)18.01%
Revenue growth 3Y0.6%
Revenue growth 5Y3.97%
Sales Q2Q%17.53%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
FNLC Yearly EPS VS EstimatesFNLC Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 0.5 1 1.5 2 2.5

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3

4. FNLC Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.86 indicates a reasonable valuation of FNLC.
  • Compared to the rest of the industry, the Price/Earnings ratio of FNLC indicates a rather cheap valuation: FNLC is cheaper than 86.09% of the companies listed in the same industry.
  • FNLC is valuated cheaply when we compare the Price/Earnings ratio to 25.73, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.86
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

  • Based on the Price/Free Cash Flow ratio, FNLC is valued a bit cheaper than the industry average as 66.93% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.94
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)2.03
EPS Next 2YN/A
EPS Next 3YN/A

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8

5. FNLC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.18%, FNLC is a good candidate for dividend investing.
  • FNLC's Dividend Yield is rather good when compared to the industry average which is at 2.90. FNLC pays more dividend than 88.98% of the companies in the same industry.
  • FNLC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 5.18%

5.2 History

  • The dividend of FNLC has a limited annual growth rate of 3.62%.
  • 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)3.62%
Div Incr Years9
Div Non Decr Years9
FNLC Yearly Dividends per shareFNLC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • FNLC pays out 51.41% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of FNLC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP51.41%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
FNLC Dividend Payout.FNLC Dividend Payout, showing the Payout Ratio.FNLC Dividend Payout.PayoutRetained Earnings

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FNLC Fundamentals: All Metrics, Ratios and Statistics

FIRST BANCORP INC/ME

NASDAQ:FNLC (3/20/2026, 10:44:22 AM)

27.19

+0.06 (+0.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-21
Inst Owners52.51%
Inst Owner Change-0.66%
Ins Owners4.09%
Ins Owner Change2.31%
Market Cap305.07M
Revenue(TTM)94.72M
Net Income(TTM)31.50M
Analysts0
Price TargetN/A
Short Float %0.55%
Short Ratio3.01
Dividend
Industry RankSector Rank
Dividend Yield 5.18%
Yearly Dividend1.42
Dividend Growth(5Y)3.62%
DP51.41%
Div Incr Years9
Div Non Decr Years9
Ex-Date01-06
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 8.86
Fwd PE N/A
P/S 3.36
P/FCF 9.94
P/OCF 9.12
P/B 1.11
P/tB 1.26
EV/EBITDA N/A
EPS(TTM)3.07
EY11.29%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.73
FCFY10.06%
OCF(TTM)2.98
OCFY10.96%
SpS8.1
BVpS24.47
TBVpS21.59
PEG (NY)N/A
PEG (5Y)2.03
Graham Number41.11
Profitability
Industry RankSector Rank
ROA 0.98%
ROE 11.47%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.67%
GM N/A
FCFM 33.77%
ROA(3y)0.98%
ROA(5y)1.16%
ROE(3y)11.67%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.66%
PM growth 5Y0.85%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 126.07%
Cap/Sales 3.04%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 97.4%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC23.53%
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)26.67%
EPS 3Y-4.55%
EPS 5Y4.36%
EPS Q2Q%40%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)18.01%
Revenue growth 3Y0.6%
Revenue growth 5Y3.97%
Sales Q2Q%17.53%
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 1Y23.5%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y30%
OCF growth 3YN/A
OCF growth 5YN/A

FIRST BANCORP INC/ME / FNLC Fundamental Analysis FAQ

What is the ChartMill fundamental rating of FIRST BANCORP INC/ME (FNLC) stock?

ChartMill assigns a fundamental rating of 4 / 10 to FNLC.


Can you provide the valuation status for FIRST BANCORP INC/ME?

ChartMill assigns a valuation rating of 3 / 10 to FIRST BANCORP INC/ME (FNLC). This can be considered as Overvalued.


What is the profitability of FNLC stock?

FIRST BANCORP INC/ME (FNLC) has a profitability rating of 4 / 10.


What is the financial health of FIRST BANCORP INC/ME (FNLC) stock?

The financial health rating of FIRST BANCORP INC/ME (FNLC) is 4 / 10.