The First Bancorp, Inc. (FNLC)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 78 | 86 | 93 | 81 | 81 | 95 | 97 | - |
| Operating profit | $m | 42 | 41 | ||||||
| Net profit | $m | 27 | 36 | 39 | 30 | 27 | 34 | 38 | - |
| EPS reported | $ | 3.07 | 3.37 | ||||||
| Operating cashflow per share | $ | 3.41 | 3.45 | ||||||
| Capex per share | $ | 0.29 | 0.22 | ||||||
| FCF per share | $ | 3.12 | 3.22 | ||||||
| Free cash flow | $m | 35 | 36 | ||||||
| Net debt | $m | -109 | 184 | ||||||
| Book value equity | $m | 283 | 293 | ||||||
| Book value per share | $ | 25.25 | 26.06 | ||||||
| Number of shares | m | 11.21 | 11.24 | ||||||
| DPS (TTM paid) | $ | 1.46 | 1.87 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.61 | 10.18 | ||||||
| P/B LTM | x | 1.03 | 1.00 | ||||||
| P/S LTM | x | 3.09 | 3.02 | ||||||
| P/FCF LTM | x | 8.47 | 8.18 | ||||||
| EV/EBITDA LTM | x | 10.17 | 10.40 | ||||||
| EV/Sales LTM | x | 2.53 | 3.36 | ||||||
| Earnings Yield LTM | % | +11.61% | +9.82% | ||||||
| FCF Yield | % | +11.81% | +12.23% | ||||||
| Quality | |||||||||
| ROE | % | +12.15% | +13.30% | ||||||
| ROIC | % | +6.86% | +6.37% | ||||||
| Operating margin | % | +23.61% | +23.76% | ||||||
| Gross margin | % | +52.29% | +54.41% | ||||||
| FCF/Sales | % | +19.48% | +20.51% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +26.34% | +38.68% | ||||||
| Sales Growth YoY | % | +17.66% | +20.36% | ||||||
| Net Income Growth YoY | % | +27.17% | +39.79% | ||||||
| FCF Growth | % | +40.79% | +45.70% | ||||||
| Operating Profit Growth | % | +28.71% | +27.32% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +5.58% | +4.18% | ||||||
| Dividend Growth | % | +2.82% | +31.69% | ||||||
| Payout Ratio | % | +47.49% | +43.94% | ||||||
| FCF/Debt | x | 0.18 | 0.17 | ||||||
| Net Debt/EBITDA | x | 3.53 | 4.27 | ||||||
| EBIT/Net interest | x | 0.51 | 0.53 | ||||||
| Net debt/market cap | % | +64.14% | +53.30% | ||||||
| Net debt/Equity | x | -0.38 | 0.63 | ||||||
| Gross debt/equity | x | 0.66 | 0.73 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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. The institution also plays a key role in commercial real estate financing, issuing mortgage loans for investments in diverse property types including multi-family dwellings, retail outlets, offices, industrial sites, hotels, and educational facilities. It also funds commercial construction projects, whether for owner-occupied properties or other ventures. Additionally, it extends other commercial credit solutions like revolving lines and term loans, designed to assist businesses and corporations with their working capital needs or capital investments. Furthermore, First Bancorp furnishes loans to municipalities for capital expenditures, construction initiatives, or as tax-anticipation notes. Its residential lending portfolio includes amortizing home mortgages and construction loans for owner-occupied homes, along with home equity loans and lines of credit. For individuals, it provides consumer loans, which are typically amortizing and secured by assets such as automobiles, pleasure crafts, and recreational vehicles, or available as unsecured short-term notes. Beyond traditional banking, the company delivers specialized services including private banking, financial planning, investment management, and trust administration, catering to individuals, businesses, non-profit organizations, and municipalities. Payment processing solutions are also part of its service array. The company operates through 18 full-service banking branches strategically situated across Maine's Mid-Coast, Eastern, and Down East regions, specifically within Lincoln, Knox, Waldo, Penobscot, Hancock, and Washington counties. Established in 1864, the organization was originally known as First National Lincoln Corporation, adopting its current name, The First Bancorp, Inc., in April 2008. Its corporate headquarters are located in Damariscotta, Maine.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
The First Bancorp, Inc. (FNLC)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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. The institution also plays a key role in commercial real estate financing, issuing mortgage loans for investments in diverse property types including multi-family dwellings, retail outlets, offices, industrial sites, hotels, and educational facilities. It also funds commercial construction projects, whether for owner-occupied properties or other ventures. Additionally, it extends other commercial credit solutions like revolving lines and term loans, designed to assist businesses and corporations with their working capital needs or capital investments. Furthermore, First Bancorp furnishes loans to municipalities for capital expenditures, construction initiatives, or as tax-anticipation notes. Its residential lending portfolio includes amortizing home mortgages and construction loans for owner-occupied homes, along with home equity loans and lines of credit. For individuals, it provides consumer loans, which are typically amortizing and secured by assets such as automobiles, pleasure crafts, and recreational vehicles, or available as unsecured short-term notes. Beyond traditional banking, the company delivers specialized services including private banking, financial planning, investment management, and trust administration, catering to individuals, businesses, non-profit organizations, and municipalities. Payment processing solutions are also part of its service array. The company operates through 18 full-service banking branches strategically situated across Maine's Mid-Coast, Eastern, and Down East regions, specifically within Lincoln, Knox, Waldo, Penobscot, Hancock, and Washington counties. Established in 1864, the organization was originally known as First National Lincoln Corporation, adopting its current name, The First Bancorp, Inc., in April 2008. Its corporate headquarters are located in Damariscotta, Maine.
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