FNLC First Bancorp Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: FNLC

Price (delayed)

$22.4

Market cap

$249.32M

P/E Ratio

8.36

Dividend/share

$1.4

EPS

$2.68

Enterprise value

$283.54M

The First Bancorp (formerly First National Lincoln Corporation), is a $2.4 billion bank holding company based in Damariscotta, Maine. The company’s subsidiary, First National Bank (formerly The First, N.A.), was ...

Highlights
FNLC's debt is down by 33% YoY and by 16% QoQ
The P/E is 12% below the 5-year quarterly average of 9.5
FNLC's EPS is down by 25% year-on-year and by 8% since the previous quarter
The net income has contracted by 24% YoY and by 8% from the previous quarter
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.thefirstbancorp.com
Peers: BHB CAC WBS EBTC

Key stats

What are the main financial stats of FNLC
Market
Shares outstanding
11.13M
Market cap
$249.32M
Enterprise value
$283.54M
Valuations
Price to earnings (P/E)
8.36
Price to book (P/B)
1.02
Price to sales (P/S)
3.13
EV/EBIT
7.94
EV/EBITDA
7.5
EV/Sales
3.57
Earnings
Revenue
$79.46M
EBIT
$35.7M
EBITDA
$37.81M
Free cash flow
$34.29M
Per share
EPS
$2.68
Free cash flow per share
$3.09
Book value per share
$21.91
Revenue per share
$7.16
TBVPS
$262.85
Balance sheet
Total assets
$2.95B
Total liabilities
$2.7B
Debt
$69.65M
Equity
$243.08M
Working capital
N/A
Liquidity
Debt to equity
0.29
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.91
Margins
EBITDA margin
47.6%
Gross margin
100%
Net margin
37.1%
Operating margin
44.9%
Efficiency
Return on assets
1%
Return on equity
12.7%
Return on invested capital
1.2%
Return on capital employed
N/A
Return on sales
44.9%
Dividend
Dividend yield
6.25%
DPS
$1.4
Payout ratio
52.2%

FNLC stock price

How has the First Bancorp stock price performed over time
Intraday
-1.5%
1 week
1.08%
1 month
-3.7%
1 year
-11.53%
YTD
-20.62%
QTD
-9.09%

Financial performance

How have First Bancorp's revenue and profit performed over time
Revenue
$79.46M
Gross profit
$79.46M
Operating income
$35.7M
Net income
$29.52M
Gross margin
100%
Net margin
37.1%
First Bancorp's operating income has decreased by 25% YoY and by 8% from the previous quarter
The net income has contracted by 24% YoY and by 8% from the previous quarter
FNLC's net margin is down by 13% YoY and by 3.9% QoQ
The gross profit has contracted by 13% YoY and by 4.3% from the previous quarter

Growth

What is First Bancorp's growth rate over time

Valuation

What is First Bancorp stock price valuation
P/E
8.36
P/B
1.02
P/S
3.13
EV/EBIT
7.94
EV/EBITDA
7.5
EV/Sales
3.57
FNLC's EPS is down by 25% year-on-year and by 8% since the previous quarter
The P/E is 12% below the 5-year quarterly average of 9.5
The price to book (P/B) is 22% lower than the 5-year quarterly average of 1.3 and 15% lower than the last 4 quarters average of 1.2
FNLC's equity is up by 7% since the previous quarter and by 6% year-on-year
FNLC's P/S is 18% below its 5-year quarterly average of 3.8 and 8% below its last 4 quarters average of 3.4
FNLC's revenue is down by 13% YoY and by 4.3% from the previous quarter

Efficiency

How efficient is First Bancorp business performance
FNLC's ROIC is down by 33% YoY and by 14% from the previous quarter
The company's return on assets fell by 33% YoY and by 9% QoQ
First Bancorp's ROE has decreased by 26% YoY and by 9% from the previous quarter
FNLC's ROS is down by 13% year-on-year and by 3.9% since the previous quarter

Dividends

What is FNLC's dividend history
Dividend details
DPS
$1.4
Dividend yield
6.25%
Payout ratio
52.2%
Recent dividends

Financial health

How did First Bancorp financials performed over time
First Bancorp's total assets is 9% more than its total liabilities
The total liabilities has increased by 8% year-on-year
First Bancorp's total assets has increased by 8% YoY
FNLC's debt is 71% lower than its equity
First Bancorp's debt to equity has decreased by 36% YoY and by 22% from the previous quarter
FNLC's debt is down by 33% YoY and by 16% QoQ

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.