27.1 USD
+0.19 (+0.71%)
27.1 USD
0 (0%)
Overall FNLC gets a fundamental rating of 4 out of 10. We evaluated FNLC against 383 industry peers in the Banks industry. FNLC has only an average score on both its financial health and profitability. FNLC does not seem to be growing, but still is valued expensively. FNLC also has an excellent dividend rating.
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.
- FNLC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- FNLC has a Return On Assets (0.98%) which is comparable to the rest of the industry.
- The Return On Equity of FNLC (11.47%) is better than 78.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.98% | ||
| ROE | 11.47% | ||
| 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
1.3 Margins
- Looking at the Profit Margin, with a value of 34.67%, FNLC belongs to the top of the industry, outperforming 90.34% of the companies in the same industry.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 34.67% | ||
| 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
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
- FNLC has a better debt/assets ratio than last year.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC23.53%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 18.29% over the past year.
- 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.
- FNLC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.14%.
- FNLC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.78% yearly.
EPS 1Y (TTM)18.29%
EPS 3Y-9.72%
EPS 5Y0.74%
EPS Q2Q%19.12%
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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 9.64, which indicates a very decent 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 85.90% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.25. FNLC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.64 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of FNLC indicates a somewhat cheap valuation: FNLC is cheaper than 67.36% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.91 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)13.01
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.39%, FNLC is a good candidate for dividend investing.
- FNLC's Dividend Yield is rather good when compared to the industry average which is at 2.64. FNLC pays more dividend than 93.73% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.82, FNLC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.39% |
5.2 History
- The dividend of FNLC has a limited annual growth rate of 3.62%.
- FNLC has been paying a dividend for at least 10 years, so it has 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
5.3 Sustainability
- 51.41% of the earnings are spent on dividend by FNLC. 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.
DP51.41%
EPS Next 2YN/A
EPS Next 3YN/A
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.
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.