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The First Bancorp, Inc. FNLC

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Price alert · FNLC

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36.82 USD +0.47 +1.29%

At close · Nov 2

36.82 0.00 0.00%

After hours · Nov 2, 4:00 PM ET

Bid
36.82 × 2
Ask
36.95 × 2
36.57 Day range 37.37
24.61 52-week range 37.50
YTD
+39.26%
1 year
+48.53%
Open
36.57
Prev close
36.35
Mkt cap
415.53M
Vol
52.69K
Avg vol
33.91K
EPS
3.50
P/E
10.52
Div yield
5.20%
More statistics
Low
36.57
High
37.37
Forward P/E
0.00
Beta
0.55
Short ratio
1.83
Inst. own
50.70%
Dividend
1.44
Ex-div date
Jan 5, 2025
50-d avg
27.82
200-d avg
25.43
1y target
0.00

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Financial health

Altman Z-Score

-0.52 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 3
  • Return on Equity 4
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 3
  • P/B 3

Valuation

P/E 8.5×
FY 2016: 19.7×FY 2017: 15.0×FY 2018: 12.1×FY 2019: 12.8×FY 2020: 10.2×FY 2021: 9.4×FY 2022: 8.4×FY 2023: 10.5×FY 2024: 11.2×FY 2025: 8.5×
FY 2016 5y median 9.4× FY 2025
P/S 1.6×
FY 2016: 5.4×FY 2017: 4.0×FY 2018: 3.4×FY 2019: 3.5×FY 2020: 2.9×FY 2021: 3.5×FY 2022: 3.0×FY 2023: 2.2×FY 2024: 1.8×FY 2025: 1.6×
FY 2016 5y median 2.2× FY 2025
P/B 1.0×
FY 2016: 2.1×FY 2017: 1.6×FY 2018: 1.5×FY 2019: 1.5×FY 2020: 1.2×FY 2021: 1.4×FY 2022: 1.4×FY 2023: 1.3×FY 2024: 1.2×FY 2025: 1.0×
FY 2016 5y median 1.3× FY 2025
P/FCF 8.5×
FY 2016: 18.6×FY 2017: 14.8×FY 2018: 8.8×FY 2019: 13.4×FY 2020: 13.7×FY 2021: 6.5×FY 2022: 8.2×FY 2023: 9.1×FY 2024: 12.3×FY 2025: 8.5×
FY 2016 5y median 8.5× FY 2025
EV/EBITDA 10.2×
FY 2016: 23.5×FY 2017: 17.9×FY 2018: 15.6×FY 2019: 15.1×FY 2020: 13.2×FY 2021: 8.5×FY 2022: 8.2×FY 2023: 9.1×FY 2024: 11.5×FY 2025: 10.2×
FY 2016 5y median 9.1× FY 2025
EV/Sales 2.5×
FY 2016: 9.3×FY 2017: 6.8×FY 2018: 5.6×FY 2019: 5.2×FY 2020: 4.8×FY 2021: 4.1×FY 2022: 3.7×FY 2023: 2.4×FY 2024: 2.4×FY 2025: 2.5×
FY 2016 5y median 2.5× FY 2025
FCF Yield 11.8%
FY 2016: 5.4%FY 2017: 6.7%FY 2018: 11.4%FY 2019: 7.5%FY 2020: 7.3%FY 2021: 15.5%FY 2022: 12.2%FY 2023: 11.0%FY 2024: 8.1%FY 2025: 11.8%
FY 2016 5y median 11.8% FY 2025

Profitability

Gross Margin 52.3%
FY 2016: 81.3%FY 2017: 78.8%FY 2018: 73.7%FY 2019: 70.5%FY 2020: 75.5%FY 2021: 89.2%FY 2022: 83.1%FY 2023: 55.3%FY 2024: 48.2%FY 2025: 52.3%
FY 2016 5y median 55.3% FY 2025
Operating Margin 23.6%
FY 2016: 36.9%FY 2017: 35.7%FY 2018: 33.5%FY 2019: 32.6%FY 2020: 33.9%FY 2021: 45.5%FY 2022: 43.1%FY 2023: 24.9%FY 2024: 19.7%FY 2025: 23.6%
FY 2016 5y median 24.9% FY 2025
Net Margin 19.4%
FY 2016: 27.2%FY 2017: 26.7%FY 2018: 28.3%FY 2019: 27.5%FY 2020: 28.5%FY 2021: 37.6%FY 2022: 35.5%FY 2023: 20.6%FY 2024: 16.3%FY 2025: 19.4%
FY 2016 5y median 20.6% FY 2025
ROE 12.1%
FY 2016: 10.4%FY 2017: 10.8%FY 2018: 12.3%FY 2019: 12.0%FY 2020: 12.1%FY 2021: 14.8%FY 2022: 17.0%FY 2023: 12.1%FY 2024: 10.7%FY 2025: 12.1%
FY 2016 5y median 12.1% FY 2025
ROIC 6.9%
FY 2016: 3.8%FY 2017: 4.6%FY 2018: 5.6%FY 2019: 6.1%FY 2020: 5.3%FY 2021: 9.0%FY 2022: 10.8%FY 2023: 8.5%FY 2024: 6.3%FY 2025: 6.9%
FY 2016 5y median 8.5% FY 2025
ROA 1.1%
FY 2016: 1.1%FY 2017: 1.1%FY 2018: 1.2%FY 2019: 1.2%FY 2020: 1.1%FY 2021: 1.4%FY 2022: 1.4%FY 2023: 1.0%FY 2024: 0.9%FY 2025: 1.1%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue 7.4%
FY 2016: 5.1%FY 2017: 10.7%FY 2018: 13.3%FY 2019: 11.7%FY 2020: 2.6%FY 2021: 1.3%FY 2022: 13.9%FY 2023: 30.7%FY 2024: 15.2%FY 2025: 7.4%
FY 2016 FY 2025
Operating Income 28.7%
FY 2016: 12.6%FY 2017: 7.1%FY 2018: 6.3%FY 2019: 8.7%FY 2020: 6.6%FY 2021: 36.2%FY 2022: 7.9%FY 2023: -24.7%FY 2024: -8.7%FY 2025: 28.7%
FY 2016 FY 2025
EPS (diluted) 26.3%
FY 2016: 9.9%FY 2017: 9.0%FY 2018: 19.9%FY 2019: 7.8%FY 2020: 6.0%FY 2021: 33.1%FY 2022: 7.0%FY 2023: -24.6%FY 2024: -8.6%FY 2025: 26.3%
FY 2016 FY 2025
Free Cash Flow 40.8%
FY 2016: -3.8%FY 2017: 3.6%FY 2018: 63.9%FY 2019: -24.3%FY 2020: -17.7%FY 2021: 162.6%FY 2022: -24.8%FY 2023: -13.9%FY 2024: -28.3%FY 2025: 40.8%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.7×
FY 2016: 1.6×FY 2017: 1.3×FY 2018: 1.1×FY 2019: 0.9×FY 2020: 1.2×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.3×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 0.6× FY 2025
Net Debt / EBITDA 3.5×
FY 2016: 10.0×FY 2017: 7.4×FY 2018: 6.0×FY 2019: 4.9×FY 2020: 5.2×FY 2021: 1.1×FY 2022: 1.6×FY 2023: 0.9×FY 2024: 2.8×FY 2025: 3.5×
FY 2016 5y median 1.6× FY 2025
Interest Coverage 0.5×
FY 2016: 2.3×FY 2017: 1.9×FY 2018: 1.4×FY 2019: 1.2×FY 2020: 1.9×FY 2021: 4.1×FY 2022: 2.8×FY 2023: 0.6×FY 2024: 0.4×FY 2025: 0.5×
FY 2016 5y median 0.6× FY 2025

Dividends

Dividend Yield 5.6%
FY 2016: 2.8%FY 2017: 3.9%FY 2018: 4.2%FY 2019: 4.0%FY 2020: 4.8%FY 2021: 4.1%FY 2022: 4.5%FY 2023: 5.0%FY 2024: 5.2%FY 2025: 5.6%
FY 2016 5y median 5.0% FY 2025
Payout Ratio 47.5%
FY 2016: 54.5%FY 2017: 58.5%FY 2018: 51.2%FY 2019: 50.8%FY 2020: 49.1%FY 2021: 38.5%FY 2022: 37.9%FY 2023: 52.2%FY 2024: 58.4%FY 2025: 47.5%
FY 2016 5y median 47.5% FY 2025

Annual · latest fiscal year ends 2025-12-31