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NASDAQ: FNLC
First Bancorp Inc Stock

$27.05+1.29 (+5.01%)
Updated Jul 16, 2024
FNLC Price
$27.05
Fair Value Price
N/A
Market Cap
$301.24M
52 Week Low
$21.77
52 Week High
$29.16
P/E
10.82x
P/B
1.24x
P/S
3.52x
PEG
6.68x
Dividend Yield
5.21%
Revenue
$78.00M
Earnings
$27.57M
Gross Margin
100%
Operating Margin
42.73%
Profit Margin
35.3%
Debt to Equity
11.28
Operating Cash Flow
$30M
Beta
0.95
Next Earnings
Jul 17, 2024
Ex-Dividend
Jul 9, 2024
Next Dividend
Jul 19, 2024

FNLC Overview

The First Bancorp, Inc. operates as the holding company for First National Bank that provides a range of banking products and services to individuals and businesses. It offers various deposit products, including demand, NOW, savings, money market, and certificates of deposit accounts. The company also provides commercial real estate loan products, such as mortgage loans to finance investments in real property comprising multi-family residential, commercial/retail, office, industrial, hotel, educational, and other specific or mixed use properties; commercial construction loans to finance construction of owner- and non-owner occupied commercial real estate properties; and other commercial loans, which include revolving and term loan obligations to business and corporate enterprises for the purpose of financing working capital or capital investment. In addition, it offers municipal loans for capitalized expenditures, construction projects, or tax-anticipation notes; residential term loans that include amortizing home mortgages and construction loans, which include loans for owner-occupied residential construction; home equity loans and lines of credit; and consumer loans, which are amortizing loans to individuals collateralized by automobiles, pleasure crafts, and recreation vehicles, as well as unsecured short-term time notes. Further, the company provides private banking, financial planning, investment management, and trust services to individuals, businesses, non-profit organizations, and municipalities, as well as payment processing services. It operates through 18 full-service banking offices in Lincoln, Knox, Waldo, Penobscot, Hancock, and Washington counties in the Mid-Coast, Eastern, and Down East regions of Maine. The company was formerly known as First National Lincoln Corporation and changed its name to The First Bancorp, Inc. in April 2008. The First Bancorp, Inc. was founded in 1864 and is based in Damariscotta, Maine.

Zen Score

Industry Average (30)
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Due Diligence Checks

FNLC ($27.05) is trading above its intrinsic value of $15.14, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
FNLC is good value based on its earnings relative to its share price (10.82x), compared to the US market average (31.71x)
P/E vs Market Valuation
FNLC is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more FNLC due diligence checks available for Premium users.

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FNLC News

Valuation

FNLC fair value

Fair Value of FNLC stock based on Discounted Cash Flow (DCF)
Price
$27.05
Fair Value
$25.33
Overvalued by
6.78%
FNLC ($27.05) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

FNLC price to earnings (PE)

For valuing profitable companies with steady earnings
Company
10.82x
Industry
13.96x
Market
31.71x
FNLC is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
FNLC is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

FNLC price to book (PB)

For valuing companies that are loss-making or have lots of physical asset
Company
1.24x
Industry
1.13x
FNLC is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation

FNLC price to earnings growth (PEG)

For valuing profitable companies with growth potential
FNLC is poor value relative... subscribe to Premium to read more.
PEG Value Valuation

FNLC's financial health

Profit margin

Revenue
$19.0M
Net Income
$6.0M
Profit Margin
31.6%
FNLC's Earnings (EBIT) of $33.33M... subscribe to Premium to read more.
Interest Coverage Financials
FNLC's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$3.0B
Liabilities
$2.7B
Debt to equity
11.28
FNLC's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
FNLC's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
-$1.5M
Investing
-$37.1M
Financing
$30.5M
FNLC's operating cash flow ($30.38M)... subscribe to Premium to read more.
Debt Coverage Financials

FNLC vs Bank Stocks

TickerMarket Cap1d %P/EP/B
FNLC$301.24M+5.01%10.82x1.24x
INBK$301.57M+5.93%18.34x0.82x
SBT$303.31M+3.19%36.44x0.93x
FRST$303.59M+4.06%61.50x0.79x
VBNK$308.46M+5.51%9.08x1.05x

First Bancorp Stock FAQ

What is First Bancorp's quote symbol?

(NASDAQ: FNLC) First Bancorp trades on the NASDAQ under the ticker symbol FNLC. First Bancorp stock quotes can also be displayed as NASDAQ: FNLC.

If you're new to stock investing, here's how to buy First Bancorp stock.

What is the 52 week high and low for First Bancorp (NASDAQ: FNLC)?

(NASDAQ: FNLC) First Bancorp's 52-week high was $29.16, and its 52-week low was $21.77. It is currently -7.24% from its 52-week high and 24.25% from its 52-week low.

How much is First Bancorp stock worth today?

(NASDAQ: FNLC) First Bancorp currently has 11,136,483 outstanding shares. With First Bancorp stock trading at $27.05 per share, the total value of First Bancorp stock (market capitalization) is $301.24M.

First Bancorp stock was originally listed at a price of $8.00 in Jul 14, 1999. If you had invested in First Bancorp stock at $8.00, your return over the last 25 years would have been 238.13%, for an annualized return of 4.99% (not including any dividends or dividend reinvestments).

How much is First Bancorp's stock price per share?

(NASDAQ: FNLC) First Bancorp stock price per share is $27.05 today (as of Jul 16, 2024).

What is First Bancorp's Market Cap?

(NASDAQ: FNLC) First Bancorp's market cap is $301.24M, as of Jul 18, 2024.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

First Bancorp's market cap is calculated by multiplying FNLC's current stock price of $27.05 by FNLC's total outstanding shares of 11,136,483.
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