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FIRST BANCORP INC/ME (FNLC) Stock Fundamental Analysis

NASDAQ:FNLC - Nasdaq - US31866P1021 - Common Stock - Currency: USD

25.32  +0.3 (+1.2%)

After market: 25.32 0 (0%)

Fundamental Rating

4

Overall FNLC gets a fundamental rating of 4 out of 10. We evaluated FNLC against 393 industry peers in the Banks industry. Both the profitability and the financial health of FNLC get a neutral evaluation. Nothing too spectacular is happening here. 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

In the past year FNLC was profitable.
FNLC had a positive operating cash flow in the past year.
In the past 5 years FNLC has always been profitable.
FNLC had a positive operating cash flow in each of the past 5 years.
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 0.88%, FNLC is in line with its industry, outperforming 54.20% of the companies in the same industry.
FNLC has a better Return On Equity (10.82%) than 75.83% of its industry peers.
Industry RankSector Rank
ROA 0.88%
ROE 10.82%
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 better Profit Margin (33.64%) than 89.57% of its industry peers.
In the last couple of years the Profit Margin of FNLC has declined.
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) 33.64%
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.
The number of shares outstanding for FNLC has been increased compared to 1 year ago.
Compared to 5 years ago, FNLC has more shares outstanding
The debt/assets ratio for FNLC has been reduced compared to a year ago.
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
WACC24.31%
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 13.41%, which is quite good.
Measured over the past 5 years, FNLC shows a small growth in Earnings Per Share. The EPS has been growing by 0.74% on average per year.
Looking at the last year, FNLC shows a quite strong growth in Revenue. The Revenue has grown by 11.99% in the last year.
FNLC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.78% yearly.
EPS 1Y (TTM)13.41%
EPS 3Y-9.72%
EPS 5Y0.74%
EPS Q2Q%29.94%
Revenue 1Y (TTM)11.99%
Revenue growth 3Y-2.15%
Revenue growth 5Y3.78%
Sales Q2Q%17.19%

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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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.41, the valuation of FNLC can be described as reasonable.
FNLC's Price/Earnings ratio is rather cheap when compared to the industry. FNLC is cheaper than 82.95% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.48. FNLC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.41
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FNLC is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 10.43
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)12.7
EPS Next 2YN/A
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

FNLC has a Yearly Dividend Yield of 5.92%, which is a nice return.
Compared to an average industry Dividend Yield of 3.54, FNLC pays a better dividend. On top of this FNLC pays more dividend than 89.06% of the companies listed in the same industry.
FNLC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
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.
As FNLC did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
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

56.21% 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.
DP56.21%
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 (8/8/2025, 8:00:00 PM)

After market: 25.32 0 (0%)

25.32

+0.3 (+1.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-16 2025-07-16
Earnings (Next)10-21 2025-10-21
Inst Owners50.62%
Inst Owner Change1.43%
Ins Owners4.12%
Ins Owner Change0.46%
Market Cap283.84M
Analysts0
Price TargetN/A
Short Float %0.47%
Short Ratio2.32
Dividend
Industry RankSector Rank
Dividend Yield 5.92%
Yearly Dividend1.42
Dividend Growth(5Y)3.62%
DP56.21%
Div Incr Years9
Div Non Decr Years9
Ex-Date07-08 2025-07-08 (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 9.41
Fwd PE N/A
P/S 3.4
P/FCF 10.43
P/OCF 9.55
P/B 1.09
P/tB 1.25
EV/EBITDA N/A
EPS(TTM)2.69
EY10.62%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.43
FCFY9.59%
OCF(TTM)2.65
OCFY10.47%
SpS7.45
BVpS23.17
TBVpS20.27
PEG (NY)N/A
PEG (5Y)12.7
Profitability
Industry RankSector Rank
ROA 0.88%
ROE 10.82%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 33.64%
GM N/A
FCFM 32.58%
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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 112.76%
Cap/Sales 2.99%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 96.88%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC24.31%
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)13.41%
EPS 3Y-9.72%
EPS 5Y0.74%
EPS Q2Q%29.94%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.99%
Revenue growth 3Y-2.15%
Revenue growth 5Y3.78%
Sales Q2Q%17.19%
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-26.82%
FCF growth 3Y-22.57%
FCF growth 5Y0.08%
OCF growth 1Y-22.65%
OCF growth 3Y-22.84%
OCF growth 5Y0%