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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.05
FNLC's Cash to Debt is ranked lower than
97% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. FNLC: 0.05 )
Ranked among companies with meaningful Cash to Debt only.
FNLC' s 10-Year Cash to Debt Range
Min: 0.05  Med: 0.08 Max: No Debt
Current: 0.05
Equity to Asset 0.11
FNLC's Equity to Asset is ranked higher than
60% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FNLC: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
FNLC' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.10 Max: 0.12
Current: 0.11
0.08
0.12
Interest Coverage 1.69
FNLC's Interest Coverage is ranked higher than
51% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. FNLC: 1.69 )
Ranked among companies with meaningful Interest Coverage only.
FNLC' s 10-Year Interest Coverage Range
Min: 0.43  Med: 0.93 Max: 1.69
Current: 1.69
0.43
1.69
F-Score: 5
WACC vs ROIC
4.09%
3.66%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 39.41
FNLC's Operating margin (%) is ranked higher than
71% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. FNLC: 39.41 )
Ranked among companies with meaningful Operating margin (%) only.
FNLC' s 10-Year Operating margin (%) Range
Min: -400.35  Med: 39.43 Max: 45.55
Current: 39.41
-400.35
45.55
Net-margin (%) 29.74
FNLC's Net-margin (%) is ranked higher than
73% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. FNLC: 29.74 )
Ranked among companies with meaningful Net-margin (%) only.
FNLC' s 10-Year Net-margin (%) Range
Min: 23.12  Med: 29.85 Max: 243.53
Current: 29.74
23.12
243.53
ROE (%) 9.73
FNLC's ROE (%) is ranked higher than
61% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. FNLC: 9.73 )
Ranked among companies with meaningful ROE (%) only.
FNLC' s 10-Year ROE (%) Range
Min: 8.14  Med: 14.63 Max: 16.93
Current: 9.73
8.14
16.93
ROA (%) 1.04
FNLC's ROA (%) is ranked higher than
64% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. FNLC: 1.04 )
Ranked among companies with meaningful ROA (%) only.
FNLC' s 10-Year ROA (%) Range
Min: 0.89  Med: 1.25 Max: 1.57
Current: 1.04
0.89
1.57
ROC (Joel Greenblatt) (%) 11.92
FNLC's ROC (Joel Greenblatt) (%) is ranked lower than
84% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. FNLC: 11.92 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FNLC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -171.52  Med: 13.76 Max: 138.9
Current: 11.92
-171.52
138.9
Revenue Growth (3Y)(%) -4.20
FNLC's Revenue Growth (3Y)(%) is ranked lower than
76% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. FNLC: -4.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FNLC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 5.70 Max: 112.3
Current: -4.2
0
112.3
EBITDA Growth (3Y)(%) 2.90
FNLC's EBITDA Growth (3Y)(%) is ranked lower than
63% of the 1035 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FNLC: 2.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FNLC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -2.50 Max: 14.4
Current: 2.9
0
14.4
EPS Growth (3Y)(%) 2.80
FNLC's EPS Growth (3Y)(%) is ranked lower than
66% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. FNLC: 2.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FNLC' s 10-Year EPS Growth (3Y)(%) Range
Min: -30.8  Med: 3.50 Max: 16.8
Current: 2.8
-30.8
16.8
» FNLC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

FNLC Guru Trades in Q2 2014

Chuck Royce 40,200 sh (unchged)
Jim Simons 24,800 sh (-14.55%)
» More
Q3 2014

FNLC Guru Trades in Q3 2014

Jim Simons 29,100 sh (+17.34%)
Chuck Royce 40,200 sh (unchged)
» More
Q4 2014

FNLC Guru Trades in Q4 2014

Jim Simons 41,100 sh (+41.24%)
Chuck Royce 40,200 sh (unchged)
» More
Q1 2015

FNLC Guru Trades in Q1 2015

Jim Simons 71,300 sh (+73.48%)
Chuck Royce 40,200 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with FNLC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 13.17
FNLC's P/E(ttm) is ranked higher than
56% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. FNLC: 13.17 )
Ranked among companies with meaningful P/E(ttm) only.
FNLC' s 10-Year P/E(ttm) Range
Min: 7.82  Med: 12.96 Max: 17.46
Current: 13.17
7.82
17.46
Forward P/E 12.47
FNLC's Forward P/E is ranked lower than
54% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. FNLC: 12.47 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.00
FNLC's PE(NRI) is ranked higher than
56% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. FNLC: 13.00 )
Ranked among companies with meaningful PE(NRI) only.
FNLC' s 10-Year PE(NRI) Range
Min: 7.75  Med: 12.85 Max: 17.37
Current: 13
7.75
17.37
P/B 1.21
FNLC's P/B is ranked lower than
60% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FNLC: 1.21 )
Ranked among companies with meaningful P/B only.
FNLC' s 10-Year P/B Range
Min: 0.87  Med: 1.25 Max: 2.77
Current: 1.21
0.87
2.77
P/S 3.91
FNLC's P/S is ranked lower than
68% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. FNLC: 3.91 )
Ranked among companies with meaningful P/S only.
FNLC' s 10-Year P/S Range
Min: 2.19  Med: 3.52 Max: 7.37
Current: 3.91
2.19
7.37
PFCF 72.73
FNLC's PFCF is ranked lower than
95% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. FNLC: 72.73 )
Ranked among companies with meaningful PFCF only.
FNLC' s 10-Year PFCF Range
Min: 4.15  Med: 12.69 Max: 75.73
Current: 72.73
4.15
75.73
POCF 9.96
FNLC's POCF is ranked higher than
50% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. FNLC: 9.96 )
Ranked among companies with meaningful POCF only.
FNLC' s 10-Year POCF Range
Min: 4  Med: 9.14 Max: 23.22
Current: 9.96
4
23.22
EV-to-EBIT 24.50
FNLC's EV-to-EBIT is ranked lower than
78% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. FNLC: 24.50 )
Ranked among companies with meaningful EV-to-EBIT only.
FNLC' s 10-Year EV-to-EBIT Range
Min: 5.9  Med: 23.20 Max: 34.5
Current: 24.5
5.9
34.5
Shiller P/E 14.33
FNLC's Shiller P/E is ranked higher than
63% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.76 vs. FNLC: 14.33 )
Ranked among companies with meaningful Shiller P/E only.
FNLC' s 10-Year Shiller P/E Range
Min: 8.33  Med: 12.65 Max: 22.36
Current: 14.33
8.33
22.36
Days Sales Outstanding 40.21
FNLC's Days Sales Outstanding is ranked lower than
58% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.98 vs. FNLC: 40.21 )
Ranked among companies with meaningful Days Sales Outstanding only.
FNLC' s 10-Year Days Sales Outstanding Range
Min: 31.64  Med: 47.57 Max: 548.79
Current: 40.21
31.64
548.79

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.49
FNLC's Dividend Yield is ranked higher than
80% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. FNLC: 4.49 )
Ranked among companies with meaningful Dividend Yield only.
FNLC' s 10-Year Dividend Yield Range
Min: 1.84  Med: 4.61 Max: 6.9
Current: 4.49
1.84
6.9
Dividend Payout 0.58
FNLC's Dividend Payout is ranked lower than
80% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FNLC: 0.58 )
Ranked among companies with meaningful Dividend Payout only.
FNLC' s 10-Year Dividend Payout Range
Min: 0.27  Med: 0.49 Max: 0.82
Current: 0.58
0.27
0.82
Dividend growth (3y) 2.10
FNLC's Dividend growth (3y) is ranked lower than
69% of the 657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. FNLC: 2.10 )
Ranked among companies with meaningful Dividend growth (3y) only.
FNLC' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 17.10 Max: 43.8
Current: 2.1
0
43.8
Yield on cost (5-Year) 4.76
FNLC's Yield on cost (5-Year) is ranked higher than
70% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. FNLC: 4.76 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FNLC' s 10-Year Yield on cost (5-Year) Range
Min: 1.93  Med: 4.85 Max: 7.25
Current: 4.76
1.93
7.25
Share Buyback Rate -3.00
FNLC's Share Buyback Rate is ranked lower than
56% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. FNLC: -3.00 )
Ranked among companies with meaningful Share Buyback Rate only.
FNLC' s 10-Year Share Buyback Rate Range
Min: 1.3  Med: -0.50 Max: -59.7
Current: -3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.51
FNLC's Price/Tangible Book is ranked lower than
67% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. FNLC: 1.51 )
Ranked among companies with meaningful Price/Tangible Book only.
FNLC' s 10-Year Price/Tangible Book Range
Min: 1.07  Med: 1.61 Max: 3.88
Current: 1.51
1.07
3.88
Price/Projected FCF 0.78
FNLC's Price/Projected FCF is ranked lower than
58% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. FNLC: 0.78 )
Ranked among companies with meaningful Price/Projected FCF only.
FNLC' s 10-Year Price/Projected FCF Range
Min: 0.46  Med: 0.74 Max: 1.84
Current: 0.78
0.46
1.84
Price/Median PS Value 1.10
FNLC's Price/Median PS Value is ranked higher than
50% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. FNLC: 1.10 )
Ranked among companies with meaningful Price/Median PS Value only.
FNLC' s 10-Year Price/Median PS Value Range
Min: 0.55  Med: 0.98 Max: 2.18
Current: 1.1
0.55
2.18
Price/Graham Number 0.93
FNLC's Price/Graham Number is ranked lower than
57% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. FNLC: 0.93 )
Ranked among companies with meaningful Price/Graham Number only.
FNLC' s 10-Year Price/Graham Number Range
Min: 0.61  Med: 0.94 Max: 2.04
Current: 0.93
0.61
2.04
Earnings Yield (Greenblatt) (%) 4.08
FNLC's Earnings Yield (Greenblatt) (%) is ranked lower than
70% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. FNLC: 4.08 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FNLC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.9  Med: 4.30 Max: 16.8
Current: 4.08
2.9
16.8
Forward Rate of Return (Yacktman) (%) 8.84
FNLC's Forward Rate of Return (Yacktman) (%) is ranked lower than
61% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. FNLC: 8.84 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FNLC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 4.4  Med: 10.40 Max: 22.9
Current: 8.84
4.4
22.9

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
First Bancorp Inc was incorporated under the laws of the State of Maine on January 15, 1985, for the purpose of becoming the parent holding company of The First National Bank of Damariscotta, which was chartered as a national bank under the laws of the United States on May 30, 1864. The Company through its wholly-owned subsidiary provides banking services to individual and corporate customers from sixteen offices in coastal and eastern Maine. The Company emphasizes on personal service to the communities that it serves, concentrating on small businesses and individuals. It offers traditional banking services and derives the majority of its revenues from net interest income. The Company's investment securities are classified into two categories: securities available for sale and securities to be held to maturity. Securities available for sale consist of debt securities which the Company intends to hold for indefinite periods of time. They may be used as part of the Company's funds management strategy, and may be sold in response to changes in interest rates, prepayment risk and liquidity needs, to increase capital ratios, or for other similar reasons. Securities to be held to maturity consist of debt securities that the Company has acquired solely for long-term investment purposes, rather than for trading or future sale. For securities to be categorized as held to maturity, the Company must have the intent and it must have the ability to hold such investments until their respective maturity dates. The Company does not hold trading account securities. The Company is subject to regulation under the BHC Act and to inspection, examination and supervision by its primary regulator, the FRB. It is also subject to the disclosure and regulatory requirements of the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended, both as administered by the Securities and Exchange Commission.
» More Articles for FNLC

Headlines

Articles On GuruFocus.com
High-Yield Stocks with Ex-Dividend Date October 2011 Sep 29 2011 
First National Lincoln Corp. Reports Operating Results (10-K) Mar 11 2011 
First National Lincoln Corp. (FNLC) Treasurer, EVP - CFO F Stephen Ward sells 1,000 Shares Mar 01 2011 
First National Lincoln Corp. Reports Operating Results (10-Q) Nov 08 2010 
First National Lincoln Corp. Reports Operating Results (10-Q) Aug 05 2010 
First National Lincoln Corp. Reports Operating Results (10-Q) Nov 06 2009 
First National Lincoln Corp. Reports Operating Results (10-Q/A) Oct 22 2009 
First National Lincoln Corp. (FNLC) EVP - COO Tony C Mckim sells 3,350 Shares Aug 11 2009 
First National Lincoln Corp. (FNLC) President & CEO Daniel R Daigneault sells 12,800 Shares Aug 10 2009 
First National Lincoln Corp. Reports Operating Results (10-Q) Aug 07 2009 

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First Bancorp Reports 1st Quarter 2015 Earnings Apr 23 2015
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FIRST BANCORP, INC /ME/ Files SEC form 8-K, Other Events Apr 21 2015
First Bancorp Declares 1st Quarter 2015 Dividend Mar 30 2015
FIRST BANCORP, INC /ME/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits Mar 19 2015
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The First Bancorp Reports Record Net Income for 2014 Jan 21 2015
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