Stock Scorecard
Stock Summary for First Bancorp Inc (ME) (FNLC) - $24.87 as of 5/9/2025 3:15:19 PM EST
Total Score
11 out of 30
Safety Score
47 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for FNLC
| Positive earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for FNLC
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for FNLC
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for FNLC
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for FNLC (47 out of 100)
| Stock Price Rating (Max of 10) | 7 |
| Historical Stock Price Rating (Max of 10) | 7 |
| Stock Price Trend (Max of 10) | 0 |
| Book Value (Max of 10) | 7 |
| Book Value to Price (Max of 10) | 2 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 8 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 1 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for FNLC
Financial Details for FNLC
Company Overview |
|
|---|---|
| Ticker | FNLC |
| Company Name | First Bancorp Inc (ME) |
| Country | USA |
| Description | First Bancorp, Inc. is the holding company of First National Bank offering a range of banking products and services to individual and corporate clients. The company is headquartered in Damariscotta, Maine. |
| Sector Name | FINANCE |
| Industry Name | NATIONAL COMMERCIAL BANKS |
| Most Recent Quarter | 3/31/2025 |
| Next Earnings Date | 7/22/2025 |
Stock Price History |
|
| Last Day Price | 24.87 |
| Price 4 Years Ago | 26.18 |
| Last Day Price Updated | 5/9/2025 3:15:19 PM EST |
| Last Day Volume | 12,057 |
| Average Daily Volume | 20,631 |
| 52-Week High | 30.18 |
| 52-Week Low | 21.09 |
| Last Price to 52 Week Low | 17.92% |
Valuation Measures |
|
| Trailing PE | 9.71 |
| Industry PE | 14.17 |
| Sector PE | 18.79 |
| 5-Year Average PE | 7.85 |
| Free Cash Flow Ratio | 5.60 |
| Industry Free Cash Flow Ratio | 10.21 |
| Sector Free Cash Flow Ratio | 25.54 |
| Current Ratio Most Recent Quarter | 0.31 |
| Total Cash Per Share | 4.44 |
| Book Value Per Share Most Recent Quarter | 23.19 |
| Price to Book Ratio | 1.06 |
| Industry Price to Book Ratio | 0.98 |
| Sector Price to Book Ratio | 2.06 |
| Price to Sales Ratio Twelve Trailing Months | 3.34 |
| Industry Price to Sales Ratio Twelve Trailing Months | 2.83 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.16 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 11,195,800 |
| Market Capitalization | 278,439,546 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 4/8/2025 |
| Previous Dividend Amount | 0.3600 |
| Current Dividend Amount | 0.3600 |
| Total Years Dividend Increasing | 9 |
| Trailing Annual Dividend Rate | 1.44 |
| Trailing Annual Dividend Yield | 5.79% |
| Forward Annual Dividend Rate | 1.44 |
| Forward Annual Dividend Yield | 5.79% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 5.34% |
| 5-Year Average Dividend Yield | 5.14% |
| 1-Year Dividend Growth Rate Percentage | 1.41% |
| 3-Year Dividend Growth Rate Percentage | 0.70% |
| 5-Year Dividend Growth Rate Percentage | 3.39% |
| All-Time Dividend Growth Rate Percentage | 13.26% |
| Dividend Payout Ratio | 57.14% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 16.70% |
| Annual Earnings Growth | -8.38% |
| Reported EPS 12 Trailing Months | 2.52 |
| Reported EPS Past Year | 0.00 |
| Reported EPS Prior Year | 1.87 |
| Net Income Twelve Trailing Months | 28,101,000 |
| Net Income Past Year | 27,045,000 |
| Net Income Prior Year | 29,519,000 |
| Quarterly Revenue Growth YOY | 12.50% |
| 5-Year Revenue Growth | 19.74% |
| Operating Margin Twelve Trailing Months | 43.30% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 49,736,000 |
| Total Cash Past Year | 49,736,000 |
| Total Cash Prior Year | 35,430,000 |
| Net Cash Position Most Recent Quarter | -45,264,000 |
| Net Cash Position Past Year | -45,264,000 |
| Long Term Debt Past Year | 95,000,000 |
| Long Term Debt Prior Year | 84,000 |
| Total Debt Most Recent Quarter | 95,000,000 |
| Equity to Debt Ratio Past Year | 0.73 |
| Equity to Debt Ratio Most Recent Quarter | 0.73 |
| Total Stockholder Equity Past Year | 252,493,000 |
| Total Stockholder Equity Prior Year | 243,079,000 |
| Total Stockholder Equity Most Recent Quarter | 259,681,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 24,540,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 2.19 |
| Free Cash Flow Past Year | 24,572,000 |
| Free Cash Flow Prior Year | 34,284,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.16 |
| MACD Signal | 0.03 |
| 20-Day Bollinger Lower Band | 23.13 |
| 20-Day Bollinger Middle Band | 24.89 |
| 20-Day Bollinger Upper Band | 26.65 |
| Beta | 0.52 |
| RSI | 53.53 |
| 50-Day SMA | 25.12 |
| 150-Day SMA | 24.25 |
| 200-Day SMA | 24.47 |
System |
|
| Modified | 5/10/2025 12:01:35 AM EST |