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FIRST BANCORP INC/ME (FNLC) Stock Fundamental Analysis

USA - NASDAQ:FNLC - US31866P1021 - Common Stock

25.29 USD
+0.04 (+0.16%)
Last: 11/10/2025, 3:34:05 PM
Fundamental Rating

4

Taking everything into account, FNLC scores 4 out of 10 in our fundamental rating. FNLC was compared to 388 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. Finally FNLC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

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.
Each year in the past 5 years FNLC has been profitable.
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 2024 10M 20M 30M 40M 50M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.94%, FNLC is in line with its industry, outperforming 56.19% of the companies in the same industry.
FNLC has a better Return On Equity (11.30%) than 77.06% of its industry peers.
Industry RankSector Rank
ROA 0.94%
ROE 11.3%
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
FNLC Yearly ROA, ROE, ROICFNLC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

FNLC has a Profit Margin of 34.53%. This is amongst the best in the industry. FNLC outperforms 90.98% of its industry peers.
FNLC's Profit Margin has declined 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) 34.53%
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
FNLC Yearly Profit, Operating, Gross MarginsFNLC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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.
Compared to 1 year ago, FNLC has more shares outstanding
Compared to 5 years ago, FNLC has more shares outstanding
Compared to 1 year ago, FNLC has an improved debt to assets ratio.
FNLC Yearly Shares OutstandingFNLC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2024 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
WACC24.22%
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 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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3

3. Growth

3.1 Past

FNLC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.45%, which is quite good.
FNLC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.74% yearly.
Looking at the last year, FNLC shows a quite strong growth in Revenue. The Revenue has grown by 16.14% in the last year.
The Revenue has been growing slightly by 3.78% on average over the past years.
EPS 1Y (TTM)18.45%
EPS 3Y-9.72%
EPS 5Y0.74%
EPS Q2Q%19.24%
Revenue 1Y (TTM)16.14%
Revenue growth 3Y-2.15%
Revenue growth 5Y3.78%
Sales Q2Q%19.53%

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.97, the valuation of FNLC can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of FNLC indicates a rather cheap valuation: FNLC is cheaper than 85.57% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of FNLC to the average of the S&P500 Index (26.06), we can say FNLC is valued rather cheaply.
Industry RankSector Rank
PE 8.97
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

65.21% of the companies in the same industry are more expensive than FNLC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 10.08
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)12.1
EPS Next 2YN/A
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.92%, FNLC is a good candidate for dividend investing.
FNLC's Dividend Yield is rather good when compared to the industry average which is at 3.38. FNLC pays more dividend than 92.53% of the companies in the same industry.
FNLC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
Industry RankSector Rank
Dividend Yield 5.92%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

FNLC pays out 53.12% 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.
DP53.12%
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 2024 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 (11/10/2025, 3:34:05 PM)

25.29

+0.04 (+0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-15 2025-10-15
Earnings (Next)01-20 2026-01-20
Inst Owners51.08%
Inst Owner Change0.63%
Ins Owners4.12%
Ins Owner Change0%
Market Cap283.50M
Revenue(TTM)90.86M
Net Income(TTM)29.99M
Analysts0
Price TargetN/A
Short Float %0.49%
Short Ratio2.56
Dividend
Industry RankSector Rank
Dividend Yield 5.92%
Yearly Dividend1.42
Dividend Growth(5Y)3.62%
DP53.12%
Div Incr Years9
Div Non Decr Years9
Ex-Date10-06 2025-10-06 (0.37)
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 8.97
Fwd PE N/A
P/S 3.26
P/FCF 10.08
P/OCF 9.23
P/B 1.07
P/tB 1.22
EV/EBITDA N/A
EPS(TTM)2.82
EY11.15%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.51
FCFY9.92%
OCF(TTM)2.74
OCFY10.83%
SpS7.75
BVpS23.68
TBVpS20.79
PEG (NY)N/A
PEG (5Y)12.1
Graham Number38.76
Profitability
Industry RankSector Rank
ROA 0.94%
ROE 11.3%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.53%
GM N/A
FCFM 32.4%
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
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-7.32%
PM growth 5Y-2.52%
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 116.55%
Cap/Sales 2.97%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 93.81%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC24.22%
ROIC/WACCN/A
Cap/Depr(3y)87.51%
Cap/Depr(5y)112.25%
Cap/Sales(3y)2.2%
Cap/Sales(5y)2.85%
Profit Quality(3y)103.04%
Profit Quality(5y)105.87%
High Growth Momentum
Growth
EPS 1Y (TTM)18.45%
EPS 3Y-9.72%
EPS 5Y0.74%
EPS Q2Q%19.24%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.14%
Revenue growth 3Y-2.15%
Revenue growth 5Y3.78%
Sales Q2Q%19.53%
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 1Y-23.9%
FCF growth 3Y-22.57%
FCF growth 5Y0.08%
OCF growth 1Y-18.86%
OCF growth 3Y-22.84%
OCF growth 5Y0%

FIRST BANCORP INC/ME / FNLC FAQ

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

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


What is the valuation status of FIRST BANCORP INC/ME (FNLC) stock?

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 valuation of FIRST BANCORP INC/ME based on its PE and PB ratios?

The Price/Earnings (PE) ratio for FIRST BANCORP INC/ME (FNLC) is 8.97 and the Price/Book (PB) ratio is 1.07.


Can you provide the dividend sustainability for FNLC stock?

The dividend rating of FIRST BANCORP INC/ME (FNLC) is 7 / 10 and the dividend payout ratio is 53.12%.