FIRST BANCORP INC/ME (FNLC)

US31866P1021 - Common Stock

22.99  +0.83 (+3.75%)

After market: 22.99 0 (0%)

Fundamental Rating

3

FNLC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 412 industry peers in the Banks industry. While FNLC is still in line with the averages on profitability rating, there are concerns on its financial health. FNLC does not seem to be growing, but still is valued expensively. Finally FNLC also has an excellent dividend rating.



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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.
Each year in the past 5 years FNLC has been profitable.
Each year in the past 5 years FNLC had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.00%, FNLC is in the better half of the industry, outperforming 62.86% of the companies in the same industry.
The Return On Equity of FNLC (12.14%) is better than 78.40% of its industry peers.
Industry RankSector Rank
ROA 1%
ROE 12.14%
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

1.3 Margins

The Profit Margin of FNLC (36.59%) is better than 91.02% of its industry peers.
In the last couple of years the Profit Margin of FNLC has remained more or less at the same level.
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) 36.59%
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

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3

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.

2.2 Solvency

The Debt to FCF ratio of FNLC is 1.45, which is an excellent value as it means it would take FNLC, only 1.45 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of FNLC (1.45) is better than 69.42% of its industry peers.
A Debt/Equity ratio of 0.20 indicates that FNLC is not too dependend on debt financing.
FNLC's Debt to Equity ratio of 0.20 is in line compared to the rest of the industry. FNLC outperforms 55.83% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.45
Altman-Z N/A
ROIC/WACCN/A
WACC22.93%

2.3 Liquidity

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

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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 -24.59%.
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 very negative growth in Revenue. The Revenue has decreased by -13.32% 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)-24.59%
EPS 3Y2.41%
EPS 5Y4.18%
EPS growth Q2Q-27.71%
Revenue 1Y (TTM)-13.32%
Revenue growth 3Y1.14%
Revenue growth 5Y5.13%
Revenue growth Q2Q-14.44%

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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3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.64, the valuation of FNLC can be described as reasonable.
FNLC's Price/Earnings ratio is a bit cheaper when compared to the industry. FNLC is cheaper than 64.08% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 24.76. FNLC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.64
Fwd PE N/A

4.2 Price Multiples

FNLC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FNLC is cheaper than 64.32% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.46
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)2.07
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 6.29%, which is a nice return.
FNLC's Dividend Yield is rather good when compared to the industry average which is at 3.92. FNLC pays more dividend than 90.78% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, FNLC pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.29%

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 last 3 years.
Dividend Growth(5Y)4.67%
Div Incr Years3
Div Non Decr Years3

5.3 Sustainability

52.25% 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.
DP52.25%
EPS Next 2YN/A
EPS Next 3YN/A

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FIRST BANCORP INC/ME

NASDAQ:FNLC (4/19/2024, 7:00:00 PM)

After market: 22.99 0 (0%)

22.99

+0.83 (+3.75%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap255.88M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 6.29%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 8.64
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)2.07
Profitability
Industry RankSector Rank
ROA 1%
ROE 12.14%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 36.59%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-24.59%
EPS 3Y2.41%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-13.32%
Revenue growth 3Y1.14%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y