NASDAQ
FNLC
Last Price
US $35.04
KEY FIGURES
MKT CAP
$400.4M
EPS
TTM
$3.27
PEG
TTM
0.37x
P/E
TTM
10.83x
P/S
TTM
2.25x
YIELD
4.17%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
13.08%
Return on equity
ROIC: 1.02%
Valuation History
10.8X
Price to Earnings
EV/EBITDA: 13.8X
Cash flow
Profit margin
13.27%
(FY vs FY)
EBITDA Y/Y
5.07%
(FY vs FY)
Cash flow Y/Y
11.41%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $35.04
14.98%
Default assumptions
EBITDA Multiple
Fair Value
Market $35.04
-66.18%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
The First Bancorp, Inc. cash flow to debt ratio of 20.13% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial stability - Healthy cash flow growth.
The First Bancorp, Inc.'s free cash flow has increased 40.79% from $24.57M last year to $34.59M, signaling increasing performance
Financial risk - Healthy debt to equity ratio.
The First Bancorp, Inc.'s debt to equity ratio is 0.68, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy
Financial risk - Healthy debt to equity ratio development.
The First Bancorp, Inc.'s debt has increased relative to shareholder equity from 0.58 last year to 0.68 today, signaling weakened financials
Financial risk - Net debt/EBITDA.
The First Bancorp, Inc. has a net debt to EBITDA ratio of 3.53x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk
Financial stability - ICR.
The First Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
The First Bancorp, Inc.'s profit margin has increased (27.61%) in the last year from 16.35% to 20.86%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
The First Bancorp, Inc.'s short-term liabilities of $2.76G exceed its short-term assets of $310.57M, signaling financial risk
Decreasing performance - ROA.
The First Bancorp, Inc.'s return on assets of 1.13% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
The First Bancorp, Inc.'s return on equity of 13.08%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
The First Bancorp, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
The First Bancorp, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
The First Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
The First Bancorp, Inc. has a free cash flow yield of 8.64%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
The First Bancorp, Inc.'s yearly earnings has increased 27.17% since last year from $27.05M to $34.39M, signaling increasing performance
Decreasing performance - Healthy revenue growth.
The First Bancorp, Inc.'s yearly revenue has decreased -3.12% since last year from $165.43M to $160.27M, signaling decreasing performance
Decreasing performance - ROIC.
ROIC 1.02% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
The First Bancorp, Inc.'s 3-year revenue CAGR of 17.35% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
The First Bancorp, Inc. had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
The First Bancorp, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
The First Bancorp, Inc. is undervalued relative to its fair value price of 40.29 based on Discounted Cash Flow model
Undervalued - Earnings yield.
The First Bancorp, Inc. has an earnings yield of 9.21%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
The First Bancorp, Inc. is overvalued relative to its fair value price of 11.85 based on EBITDA multiple model
Undervalued - EV/EBITDA.
The First Bancorp, Inc. has an EV/EBITDA ratio of 13.80x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
The First Bancorp, Inc. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
The First Bancorp, Inc. has a price-to-book ratio of 1.37x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
The First Bancorp, Inc. has a price-to-sales ratio of 2.30x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue