Financhill
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31

FNLC Quote, Financials, Valuation and Earnings

Last price:
$27.15
Seasonality move :
-1.02%
Day range:
$26.51 - $27.41
52-week range:
$21.77 - $31.05
Dividend yield:
5.33%
P/E ratio:
11.24x
P/S ratio:
3.79x
P/B ratio:
1.16x
Volume:
22.9K
Avg. volume:
16.9K
1-year change:
-6.17%
Market cap:
$297M
Revenue:
$80.6M
EPS (TTM):
$2.37

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
FNLC
First Bancorp
-- -- -- -- --
BHB
Bar Harbor Bankshares
$34.3M $0.69 -10.43% 5.39% $35.00
CTBI
Community Trust Bancorp
$63.7M $1.20 12.29% 15.06% --
EVBN
Evans Bancorp
$17.3M $0.48 -46.71% -74.05% $50.05
PRK
Park National
$128.1M $2.24 15.8% 48.34% $181.00
THFF
First Financial
$60.4M $1.28 18.79% 21.07% $51.00
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
FNLC
First Bancorp
$26.63 -- $297M 11.24x $0.36 5.33% 3.79x
BHB
Bar Harbor Bankshares
$30.10 $35.00 $459.6M 10.83x $0.30 3.92% 3.05x
CTBI
Community Trust Bancorp
$51.95 -- $938.1M 11.81x $0.47 3.58% 3.89x
EVBN
Evans Bancorp
$42.69 $50.05 $236.5M 12.82x $0.66 3.09% 2.82x
PRK
Park National
$170.73 $181.00 $2.8B 20.20x $1.56 2.48% 5.58x
THFF
First Financial
$45.83 $51.00 $541.2M 12.42x $0.45 3.93% 2.62x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
FNLC
First Bancorp
27.01% 1.192 32.38% 6.28x
BHB
Bar Harbor Bankshares
34.26% 1.362 50.9% 3.32x
CTBI
Community Trust Bancorp
7.8% 0.832 7.18% 5.45x
EVBN
Evans Bancorp
46.15% 1.446 73.84% 48.21x
PRK
Park National
19.85% 1.006 11.31% 11.28x
THFF
First Financial
5.11% 0.824 5.88% 16.29x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
FNLC
First Bancorp
-- -- 7.36% 10.89% 151.27% $9.6M
BHB
Bar Harbor Bankshares
-- -- 5.57% 9.79% 86.07% $22.4M
CTBI
Community Trust Bancorp
-- -- 10.22% 11.15% 95.81% $35.4M
EVBN
Evans Bancorp
-- -- 5.39% 10.61% 97.21% $11.9M
PRK
Park National
-- -- 8.97% 11.8% 57.64% $42.3M
THFF
First Financial
-- -- 7.23% 8.31% 59.86% $19.5M

First Bancorp vs. Competitors

  • Which has Higher Returns FNLC or BHB?

    Bar Harbor Bankshares has a net margin of 36.89% compared to First Bancorp's net margin of 31.58%. First Bancorp's return on equity of 10.89% beat Bar Harbor Bankshares's return on equity of 9.79%.

    Company Gross Margin Earnings Per Share Invested Capital
    FNLC
    First Bancorp
    -- $0.68 $351.8M
    BHB
    Bar Harbor Bankshares
    -- $0.80 $699.6M
  • What do Analysts Say About FNLC or BHB?

    First Bancorp has a consensus price target of --, signalling downside risk potential of --. On the other hand Bar Harbor Bankshares has an analysts' consensus of $35.00 which suggests that it could grow by 16.28%. Given that Bar Harbor Bankshares has higher upside potential than First Bancorp, analysts believe Bar Harbor Bankshares is more attractive than First Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    FNLC
    First Bancorp
    0 0 0
    BHB
    Bar Harbor Bankshares
    0 2 0
  • Is FNLC or BHB More Risky?

    First Bancorp has a beta of 0.579, which suggesting that the stock is 42.098% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.729, suggesting its less volatile than the S&P 500 by 27.076%.

  • Which is a Better Dividend Stock FNLC or BHB?

    First Bancorp has a quarterly dividend of $0.36 per share corresponding to a yield of 5.33%. Bar Harbor Bankshares offers a yield of 3.92% to investors and pays a quarterly dividend of $0.30 per share. First Bancorp pays 52.23% of its earnings as a dividend. Bar Harbor Bankshares pays out 36.94% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios FNLC or BHB?

    First Bancorp quarterly revenues are $20.5M, which are smaller than Bar Harbor Bankshares quarterly revenues of $38.6M. First Bancorp's net income of $7.6M is lower than Bar Harbor Bankshares's net income of $12.2M. Notably, First Bancorp's price-to-earnings ratio is 11.24x while Bar Harbor Bankshares's PE ratio is 10.83x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for First Bancorp is 3.79x versus 3.05x for Bar Harbor Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    FNLC
    First Bancorp
    3.79x 11.24x $20.5M $7.6M
    BHB
    Bar Harbor Bankshares
    3.05x 10.83x $38.6M $12.2M
  • Which has Higher Returns FNLC or CTBI?

    Community Trust Bancorp has a net margin of 36.89% compared to First Bancorp's net margin of 35.28%. First Bancorp's return on equity of 10.89% beat Community Trust Bancorp's return on equity of 11.15%.

    Company Gross Margin Earnings Per Share Invested Capital
    FNLC
    First Bancorp
    -- $0.68 $351.8M
    CTBI
    Community Trust Bancorp
    -- $1.23 $825.2M
  • What do Analysts Say About FNLC or CTBI?

    First Bancorp has a consensus price target of --, signalling downside risk potential of --. On the other hand Community Trust Bancorp has an analysts' consensus of -- which suggests that it could grow by 15.5%. Given that Community Trust Bancorp has higher upside potential than First Bancorp, analysts believe Community Trust Bancorp is more attractive than First Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    FNLC
    First Bancorp
    0 0 0
    CTBI
    Community Trust Bancorp
    0 0 0
  • Is FNLC or CTBI More Risky?

    First Bancorp has a beta of 0.579, which suggesting that the stock is 42.098% less volatile than S&P 500. In comparison Community Trust Bancorp has a beta of 0.672, suggesting its less volatile than the S&P 500 by 32.841%.

  • Which is a Better Dividend Stock FNLC or CTBI?

    First Bancorp has a quarterly dividend of $0.36 per share corresponding to a yield of 5.33%. Community Trust Bancorp offers a yield of 3.58% to investors and pays a quarterly dividend of $0.47 per share. First Bancorp pays 52.23% of its earnings as a dividend. Community Trust Bancorp pays out 41.26% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios FNLC or CTBI?

    First Bancorp quarterly revenues are $20.5M, which are smaller than Community Trust Bancorp quarterly revenues of $62.8M. First Bancorp's net income of $7.6M is lower than Community Trust Bancorp's net income of $22.1M. Notably, First Bancorp's price-to-earnings ratio is 11.24x while Community Trust Bancorp's PE ratio is 11.81x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for First Bancorp is 3.79x versus 3.89x for Community Trust Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    FNLC
    First Bancorp
    3.79x 11.24x $20.5M $7.6M
    CTBI
    Community Trust Bancorp
    3.89x 11.81x $62.8M $22.1M
  • Which has Higher Returns FNLC or EVBN?

    Evans Bancorp has a net margin of 36.89% compared to First Bancorp's net margin of 16.32%. First Bancorp's return on equity of 10.89% beat Evans Bancorp's return on equity of 10.61%.

    Company Gross Margin Earnings Per Share Invested Capital
    FNLC
    First Bancorp
    -- $0.68 $351.8M
    EVBN
    Evans Bancorp
    -- $0.53 $345.1M
  • What do Analysts Say About FNLC or EVBN?

    First Bancorp has a consensus price target of --, signalling downside risk potential of --. On the other hand Evans Bancorp has an analysts' consensus of $50.05 which suggests that it could grow by 17.24%. Given that Evans Bancorp has higher upside potential than First Bancorp, analysts believe Evans Bancorp is more attractive than First Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    FNLC
    First Bancorp
    0 0 0
    EVBN
    Evans Bancorp
    0 1 0
  • Is FNLC or EVBN More Risky?

    First Bancorp has a beta of 0.579, which suggesting that the stock is 42.098% less volatile than S&P 500. In comparison Evans Bancorp has a beta of 0.927, suggesting its less volatile than the S&P 500 by 7.33%.

  • Which is a Better Dividend Stock FNLC or EVBN?

    First Bancorp has a quarterly dividend of $0.36 per share corresponding to a yield of 5.33%. Evans Bancorp offers a yield of 3.09% to investors and pays a quarterly dividend of $0.66 per share. First Bancorp pays 52.23% of its earnings as a dividend. Evans Bancorp pays out 29.45% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios FNLC or EVBN?

    First Bancorp quarterly revenues are $20.5M, which are larger than Evans Bancorp quarterly revenues of $18M. First Bancorp's net income of $7.6M is higher than Evans Bancorp's net income of $2.9M. Notably, First Bancorp's price-to-earnings ratio is 11.24x while Evans Bancorp's PE ratio is 12.82x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for First Bancorp is 3.79x versus 2.82x for Evans Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    FNLC
    First Bancorp
    3.79x 11.24x $20.5M $7.6M
    EVBN
    Evans Bancorp
    2.82x 12.82x $18M $2.9M
  • Which has Higher Returns FNLC or PRK?

    Park National has a net margin of 36.89% compared to First Bancorp's net margin of 27.77%. First Bancorp's return on equity of 10.89% beat Park National's return on equity of 11.8%.

    Company Gross Margin Earnings Per Share Invested Capital
    FNLC
    First Bancorp
    -- $0.68 $351.8M
    PRK
    Park National
    -- $2.35 $1.5B
  • What do Analysts Say About FNLC or PRK?

    First Bancorp has a consensus price target of --, signalling downside risk potential of --. On the other hand Park National has an analysts' consensus of $181.00 which suggests that it could grow by 6.02%. Given that Park National has higher upside potential than First Bancorp, analysts believe Park National is more attractive than First Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    FNLC
    First Bancorp
    0 0 0
    PRK
    Park National
    0 2 0
  • Is FNLC or PRK More Risky?

    First Bancorp has a beta of 0.579, which suggesting that the stock is 42.098% less volatile than S&P 500. In comparison Park National has a beta of 0.739, suggesting its less volatile than the S&P 500 by 26.053%.

  • Which is a Better Dividend Stock FNLC or PRK?

    First Bancorp has a quarterly dividend of $0.36 per share corresponding to a yield of 5.33%. Park National offers a yield of 2.48% to investors and pays a quarterly dividend of $1.56 per share. First Bancorp pays 52.23% of its earnings as a dividend. Park National pays out 54.41% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios FNLC or PRK?

    First Bancorp quarterly revenues are $20.5M, which are smaller than Park National quarterly revenues of $137.6M. First Bancorp's net income of $7.6M is lower than Park National's net income of $38.2M. Notably, First Bancorp's price-to-earnings ratio is 11.24x while Park National's PE ratio is 20.20x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for First Bancorp is 3.79x versus 5.58x for Park National. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    FNLC
    First Bancorp
    3.79x 11.24x $20.5M $7.6M
    PRK
    Park National
    5.58x 20.20x $137.6M $38.2M
  • Which has Higher Returns FNLC or THFF?

    First Financial has a net margin of 36.89% compared to First Bancorp's net margin of 14.97%. First Bancorp's return on equity of 10.89% beat First Financial's return on equity of 8.31%.

    Company Gross Margin Earnings Per Share Invested Capital
    FNLC
    First Bancorp
    -- $0.68 $351.8M
    THFF
    First Financial
    -- $0.74 $596.4M
  • What do Analysts Say About FNLC or THFF?

    First Bancorp has a consensus price target of --, signalling downside risk potential of --. On the other hand First Financial has an analysts' consensus of $51.00 which suggests that it could grow by 11.28%. Given that First Financial has higher upside potential than First Bancorp, analysts believe First Financial is more attractive than First Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    FNLC
    First Bancorp
    0 0 0
    THFF
    First Financial
    0 2 0
  • Is FNLC or THFF More Risky?

    First Bancorp has a beta of 0.579, which suggesting that the stock is 42.098% less volatile than S&P 500. In comparison First Financial has a beta of 0.507, suggesting its less volatile than the S&P 500 by 49.26%.

  • Which is a Better Dividend Stock FNLC or THFF?

    First Bancorp has a quarterly dividend of $0.36 per share corresponding to a yield of 5.33%. First Financial offers a yield of 3.93% to investors and pays a quarterly dividend of $0.45 per share. First Bancorp pays 52.23% of its earnings as a dividend. First Financial pays out 25.35% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios FNLC or THFF?

    First Bancorp quarterly revenues are $20.5M, which are smaller than First Financial quarterly revenues of $58.4M. First Bancorp's net income of $7.6M is lower than First Financial's net income of $8.7M. Notably, First Bancorp's price-to-earnings ratio is 11.24x while First Financial's PE ratio is 12.42x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for First Bancorp is 3.79x versus 2.62x for First Financial. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    FNLC
    First Bancorp
    3.79x 11.24x $20.5M $7.6M
    THFF
    First Financial
    2.62x 12.42x $58.4M $8.7M

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