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FIRST BANCORP INC/ME (FNLC) Stock Fundamental Analysis

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

24.63  -0.26 (-1.04%)

After market: 24.63 0 (0%)

Fundamental Rating

3

Taking everything into account, FNLC scores 3 out of 10 in our fundamental rating. FNLC was compared to 397 industry peers in the Banks industry. There are concerns on the financial health of FNLC while its profitability can be described as average. FNLC has a expensive valuation and it also scores bad on growth. Finally FNLC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

FNLC had positive earnings in the past year.
In the past year FNLC had a positive cash flow from operations.
FNLC had positive earnings in each of the past 5 years.
Each year in the past 5 years FNLC 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

1.2 Ratios

FNLC's Return On Assets of 0.86% is in line compared to the rest of the industry. FNLC outperforms 53.40% of its industry peers.
FNLC has a Return On Equity of 10.71%. This is in the better half of the industry: FNLC outperforms 74.56% of its industry peers.
Industry RankSector Rank
ROA 0.86%
ROE 10.71%
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's Profit Margin of 33.69% is amongst the best of the industry. FNLC outperforms 89.67% of its industry peers.
In the last couple of years the Profit Margin of FNLC has declined.
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) 33.69%
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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2

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
The number of shares outstanding for FNLC has been increased compared to 5 years ago.
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 a debt to FCF ratio of 2.09. This is a good value and a sign of high solvency as FNLC would need 2.09 years to pay back of all of its debts.
FNLC has a Debt to FCF ratio (2.09) which is comparable to the rest of the industry.
FNLC has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
FNLC has a Debt to Equity ratio (0.20) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 2.09
Altman-Z N/A
ROIC/WACCN/A
WACC24.67%
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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1

3. Growth

3.1 Past

FNLC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.80%.
Measured over the past 5 years, FNLC shows a small growth in Earnings Per Share. The EPS has been growing by 4.18% on average per year.
Looking at the last year, FNLC shows a decrease in Revenue. The Revenue has decreased by -0.48% in the last year.
The Revenue has been growing slightly by 5.13% on average over the past years.
EPS 1Y (TTM)-8.8%
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.
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

With a Price/Earnings ratio of 9.26, the valuation of FNLC can be described as very reasonable.
Based on the Price/Earnings ratio, FNLC is valued cheaply inside the industry as 83.88% of the companies are valued more expensively.
FNLC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.10.
Industry RankSector Rank
PE 9.26
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

The rest of the industry has a similar Price/Free Cash Flow ratio as FNLC.
Industry RankSector Rank
P/FCF 11.23
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)2.21
EPS Next 2YN/A
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

FNLC has a Yearly Dividend Yield of 5.91%, which is a nice return.
FNLC's Dividend Yield is rather good when compared to the industry average which is at 3.49. FNLC pays more dividend than 92.44% of the companies in the same industry.
FNLC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.43.
Industry RankSector Rank
Dividend Yield 5.91%

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 58.43% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of FNLC is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP58.43%
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 (5/5/2025, 8:11:18 PM)

After market: 24.63 0 (0%)

24.63

-0.26 (-1.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-16 2025-04-16
Earnings (Next)07-22 2025-07-22
Inst Owners51.19%
Inst Owner Change0.51%
Ins Owners3.92%
Ins Owner Change1.55%
Market Cap275.86M
Analysts0
Price TargetN/A
Short Float %0.3%
Short Ratio1.58
Dividend
Industry RankSector Rank
Dividend Yield 5.91%
Yearly Dividend1.42
Dividend Growth(5Y)3.62%
DP58.43%
Div Incr Years9
Div Non Decr Years9
Ex-Date04-08 2025-04-08 (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 RankSector Rank
PE 9.26
Fwd PE N/A
P/S 3.44
P/FCF 11.23
P/OCF 10.59
P/B 1.09
P/tB 1.25
EV/EBITDA N/A
EPS(TTM)2.66
EY10.8%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.19
FCFY8.91%
OCF(TTM)2.33
OCFY9.44%
SpS7.17
BVpS22.54
TBVpS19.64
PEG (NY)N/A
PEG (5Y)2.21
Profitability
Industry RankSector Rank
ROA 0.86%
ROE 10.71%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 33.69%
GM N/A
FCFM 30.61%
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 Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 2.09
Debt/EBITDA N/A
Cap/Depr 66.77%
Cap/Sales 1.84%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 90.86%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC24.67%
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)-8.8%
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-28.33%
FCF growth 3Y-22.57%
FCF growth 5Y0.08%
OCF growth 1Y-29.45%
OCF growth 3Y-22.84%
OCF growth 5Y0%