Valuation dashboard for The First Bancorp, Inc. (FNLC) with P/E 10.27, P/B 1.33, EV/EBITDA 13.41 and dividend yield 4.25%. DCF, Graham Number and Earnings Power Value models plus sector comparison against other Financial Services companies.
The First Bancorp, Inc. functions as the holding company for First National Bank, providing a comprehensive suite of banking products and financial services to both individual customers and commercial enterprises. Its deposit offerings encompass various account types, such as demand, NOW, savings, money market, and certificates of deposit.
Analysis Summary
The First Bancorp, Inc. reported revenue of $177.6M in the most recent fiscal year, growing at a 5-year CAGR of 13.3%. Net income reached $34.4M, with a 4.9% 5-year CAGR.
Trailing-twelve-month margins: gross margin 54.4%, operating margin 23.8%, net margin 21.7%.
At the current price of $35.07, FNLC trades at a P/E of 10.27 and an ROE of 13.30%. Market capitalisation stands at $395M.
Balance sheet quality for FNLC: current ratio of 0.1. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 10.27 |
| Price / Book | 1.33 |
| EV / EBITDA | 13.41 |
| Dividend Yield | 4.25% |
Valuation Models
| DCF Fair Value | $16.37 |
| vs Current Price | -53.3% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| FNLC | The First Bancorp, Inc. | $395M | 10.27 | 1.33 | 13.3% |
| 0O84.L | DNB Bank ASA | $480.5B | |||
| MFG | Mizuho Financial Group, Inc. | $133.2B | 15.46 | 1.83 | 12.3% |
| HDB | HDFC Bank Limited | $114.8B | 13.22 | 1.73 | 13.9% |
| IBN | ICICI Bank Limited | $100.7B | 16.85 | 2.49 | 15.7% |
| SBID.L | State Bank of India | $96.4B | |||
| 0KEF.L | The PNC Financial Services Group, Inc. | $94.3B | 12.97 | 1.49 | 12.3% |
| PNC | The PNC Financial Services Group, Inc. | $92.4B | 12.92 | 1.48 | 12.3% |
Price
| Price | $35.07 |
| Market Cap | $395M |
| Exchange | NASDAQ |
| Country | US |
Profitability
| Return on Equity | 13.30% |
| Return on Invested Capital | 6.37% |
| Return on Assets | 1.18% |
| Gross Margin | 54.41% |
| Operating Margin | 23.76% |
| Net Margin | 21.66% |
Related companies: CBAN · COSO · CZFS · CZNC · FSBW · JMSB · NECB
Explore sector: Financial Services · Banks - Regional
More sections of FNLC: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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