The First Bancorp, Inc.
The First Bancorp, Inc. Fundamental Analysis
The First Bancorp, Inc. (FNLC) shows strong financial fundamentals with a PE ratio of 8.90, profit margin of 20.86%, and ROE of 13.08%. The company generates $0.2B in annual revenue with moderate year-over-year growth of 7.37%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 53.3/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze FNLC's fundamental strength across five key dimensions:
Efficiency Score
WeakFNLC struggles to generate sufficient returns from assets.
Valuation Score
ExcellentFNLC trades at attractive valuation levels.
Growth Score
ExcellentFNLC delivers strong and consistent growth momentum.
Financial Health Score
ModerateFNLC shows balanced financial health with some risks.
Profitability Score
ModerateFNLC maintains healthy but balanced margins.
Key Financial Metrics
Is FNLC Expensive or Cheap?
P/E Ratio
FNLC trades at 8.90 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, FNLC's PEG of 0.31 indicates potential undervaluation.
Price to Book
The market values The First Bancorp, Inc. at 1.13 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 3.81 times EBITDA. This is generally considered low.
How Well Does FNLC Make Money?
Net Profit Margin
For every $100 in sales, The First Bancorp, Inc. keeps $20.86 as profit after all expenses.
Operating Margin
Core operations generate 22.88 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $13.08 in profit for every $100 of shareholder equity.
ROA
The First Bancorp, Inc. generates $1.13 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
The First Bancorp, Inc. produces operating cash flow of $38.39M, showing steady but balanced cash generation.
Free Cash Flow
The First Bancorp, Inc. generates strong free cash flow of $35.12M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $3.12 in free cash annually.
FCF Yield
FNLC converts 10.50% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
8.90
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.31
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.13
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.89
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.68
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.13
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How FNLC Stacks Against Its Sector Peers
| Metric | FNLC Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 8.90 | 18.99 | Better (Cheaper) |
| ROE | 13.08% | 812.00% | Weak |
| Net Margin | 20.86% | 1310.00% | Weak |
| Debt/Equity | 0.68 | 0.90 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 644.08 | Weak Liquidity |
| ROA | 1.13% | -21307.00% (disorted) | Weak |
FNLC outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews The First Bancorp, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
82.84%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
24.30%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
63.33%
Industry Style: Value, Dividend, Cyclical
High Growth