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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
96% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. FNLC: 0.05 )
Ranked among companies with meaningful Cash to Debt only.
FNLC' s Cash to Debt Range Over the Past 10 Years
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
62% of the 1578 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 Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.10 Max: 0.12
Current: 0.11
0.08
0.12
Interest Coverage 2.20
FNLC's Interest Coverage is ranked higher than
57% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. FNLC: 2.20 )
Ranked among companies with meaningful Interest Coverage only.
FNLC' s Interest Coverage Range Over the Past 10 Years
Min: 0.46  Med: 0.96 Max: 1.69
Current: 2.2
0.46
1.69
F-Score: 5
WACC vs ROIC
4.53%
3.65%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 40.85
FNLC's Operating margin (%) is ranked higher than
73% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. FNLC: 40.85 )
Ranked among companies with meaningful Operating margin (%) only.
FNLC' s Operating margin (%) Range Over the Past 10 Years
Min: 30.63  Med: 35.58 Max: 44.07
Current: 40.85
30.63
44.07
Net-margin (%) 30.48
FNLC's Net-margin (%) is ranked higher than
73% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. FNLC: 30.48 )
Ranked among companies with meaningful Net-margin (%) only.
FNLC' s Net-margin (%) Range Over the Past 10 Years
Min: 23.12  Med: 27.61 Max: 31.62
Current: 30.48
23.12
31.62
ROE (%) 9.84
FNLC's ROE (%) is ranked higher than
64% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. FNLC: 9.84 )
Ranked among companies with meaningful ROE (%) only.
FNLC' s ROE (%) Range Over the Past 10 Years
Min: 7.79  Med: 9.26 Max: 16.44
Current: 9.84
7.79
16.44
ROA (%) 1.07
FNLC's ROA (%) is ranked higher than
66% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. FNLC: 1.07 )
Ranked among companies with meaningful ROA (%) only.
FNLC' s ROA (%) Range Over the Past 10 Years
Min: 0.89  Med: 0.99 Max: 1.53
Current: 1.07
0.89
1.53
Revenue Growth (3Y)(%) -4.20
FNLC's Revenue Growth (3Y)(%) is ranked lower than
73% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. FNLC: -4.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FNLC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -4.3  Med: 10.00 Max: 112.3
Current: -4.2
-4.3
112.3
EBITDA Growth (3Y)(%) 2.90
FNLC's EBITDA Growth (3Y)(%) is ranked lower than
59% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. FNLC: 2.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FNLC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -5.9  Med: 3.70 Max: 16.8
Current: 2.9
-5.9
16.8
EPS Growth (3Y)(%) 2.80
FNLC's EPS Growth (3Y)(%) is ranked lower than
60% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. FNLC: 2.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FNLC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -30.8  Med: 4.20 Max: 16.6
Current: 2.8
-30.8
16.6
» FNLC's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q2 2015

FNLC Guru Trades in Q2 2015

Jim Simons 86,456 sh (+21.26%)
Chuck Royce 40,200 sh (unchged)
» More
Q3 2015

FNLC Guru Trades in Q3 2015

Jim Simons 94,494 sh (+9.30%)
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) 12.24
FNLC's P/E(ttm) is ranked higher than
52% of the 1403 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. FNLC: 12.24 )
Ranked among companies with meaningful P/E(ttm) only.
FNLC' s P/E(ttm) Range Over the Past 10 Years
Min: 7.82  Med: 12.88 Max: 16.05
Current: 12.24
7.82
16.05
Forward P/E 12.47
FNLC's Forward P/E is ranked lower than
71% of the 703 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.52 vs. FNLC: 12.47 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.24
FNLC's PE(NRI) is ranked higher than
52% of the 1401 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. FNLC: 12.24 )
Ranked among companies with meaningful PE(NRI) only.
FNLC' s PE(NRI) Range Over the Past 10 Years
Min: 7.75  Med: 12.79 Max: 15.84
Current: 12.24
7.75
15.84
P/B 1.19
FNLC's P/B is ranked lower than
66% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. FNLC: 1.19 )
Ranked among companies with meaningful P/B only.
FNLC' s P/B Range Over the Past 10 Years
Min: 0.87  Med: 1.24 Max: 1.93
Current: 1.19
0.87
1.93
P/S 3.74
FNLC's P/S is ranked lower than
68% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.81 vs. FNLC: 3.74 )
Ranked among companies with meaningful P/S only.
FNLC' s P/S Range Over the Past 10 Years
Min: 2.19  Med: 3.53 Max: 5.13
Current: 3.74
2.19
5.13
PFCF 9.12
FNLC's PFCF is ranked higher than
51% of the 937 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.36 vs. FNLC: 9.12 )
Ranked among companies with meaningful PFCF only.
FNLC' s PFCF Range Over the Past 10 Years
Min: 4.15  Med: 10.06 Max: 28.72
Current: 9.12
4.15
28.72
POCF 8.82
FNLC's POCF is ranked lower than
54% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.10 vs. FNLC: 8.82 )
Ranked among companies with meaningful POCF only.
FNLC' s POCF Range Over the Past 10 Years
Min: 4  Med: 9.03 Max: 23.22
Current: 8.82
4
23.22
EV-to-EBIT 9.17
FNLC's EV-to-EBIT is ranked higher than
70% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.68 vs. FNLC: 9.17 )
Ranked among companies with meaningful EV-to-EBIT only.
FNLC' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.9  Med: 22.80 Max: 29.7
Current: 9.17
5.9
29.7
EV-to-EBITDA 8.51
FNLC's EV-to-EBITDA is ranked higher than
68% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. FNLC: 8.51 )
Ranked among companies with meaningful EV-to-EBITDA only.
FNLC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.6  Med: 21.10 Max: 27.5
Current: 8.51
5.6
27.5
Shiller P/E 12.91
FNLC's Shiller P/E is ranked higher than
68% of the 520 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.90 vs. FNLC: 12.91 )
Ranked among companies with meaningful Shiller P/E only.
FNLC' s Shiller P/E Range Over the Past 10 Years
Min: 9.19  Med: 12.14 Max: 18.5
Current: 12.91
9.19
18.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.80
FNLC's Dividend Yield is ranked higher than
76% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. FNLC: 4.80 )
Ranked among companies with meaningful Dividend Yield only.
FNLC' s Dividend Yield Range Over the Past 10 Years
Min: 1.84  Med: 4.62 Max: 6.9
Current: 4.8
1.84
6.9
Dividend Payout 0.58
FNLC's Dividend Payout is ranked lower than
79% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. FNLC: 0.58 )
Ranked among companies with meaningful Dividend Payout only.
FNLC' s Dividend Payout Range Over the Past 10 Years
Min: 0.27  Med: 0.50 Max: 0.82
Current: 0.58
0.27
0.82
Dividend Growth (3y) 2.10
FNLC's Dividend Growth (3y) is ranked lower than
59% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. FNLC: 2.10 )
Ranked among companies with meaningful Dividend Growth (3y) only.
FNLC' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 16.30 Max: 43.1
Current: 2.1
0
43.1
Forward Dividend Yield 4.87
FNLC's Forward Dividend Yield is ranked higher than
75% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. FNLC: 4.87 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.82
FNLC's Yield on cost (5-Year) is ranked higher than
65% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. FNLC: 4.82 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FNLC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.84  Med: 4.62 Max: 6.9
Current: 4.82
1.84
6.9
3-Year Average Share Buyback Ratio -3.00
FNLC's 3-Year Average Share Buyback Ratio is ranked lower than
57% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. FNLC: -3.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FNLC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -58.3  Med: -0.45 Max: 1.3
Current: -3
-58.3
1.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.41
FNLC's Price/Tangible Book is ranked lower than
72% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. FNLC: 1.41 )
Ranked among companies with meaningful Price/Tangible Book only.
FNLC' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.07  Med: 1.60 Max: 2.89
Current: 1.41
1.07
2.89
Price/Projected FCF 0.56
FNLC's Price/Projected FCF is ranked higher than
60% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. FNLC: 0.56 )
Ranked among companies with meaningful Price/Projected FCF only.
FNLC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.46  Med: 0.67 Max: 1.69
Current: 0.56
0.46
1.69
Price/Median PS Value 1.05
FNLC's Price/Median PS Value is ranked lower than
62% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. FNLC: 1.05 )
Ranked among companies with meaningful Price/Median PS Value only.
FNLC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.55  Med: 0.99 Max: 2.18
Current: 1.05
0.55
2.18
Price/Graham Number 0.88
FNLC's Price/Graham Number is ranked lower than
60% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. FNLC: 0.88 )
Ranked among companies with meaningful Price/Graham Number only.
FNLC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.62  Med: 0.95 Max: 1.51
Current: 0.88
0.62
1.51
Earnings Yield (Greenblatt) (%) 10.88
FNLC's Earnings Yield (Greenblatt) (%) is ranked higher than
73% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. FNLC: 10.88 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FNLC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3.4  Med: 4.40 Max: 16.8
Current: 10.88
3.4
16.8
Forward Rate of Return (Yacktman) (%) 15.55
FNLC's Forward Rate of Return (Yacktman) (%) is ranked higher than
52% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. FNLC: 15.55 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FNLC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 6  Med: 13.40 Max: 22.8
Current: 15.55
6
22.8

More Statistics

Revenue(Mil) $53
EPS $ 1.48
Beta0.60
Short Percentage of Float2.58%
52-Week Range $16.20 - 22.56
Shares Outstanding(Mil)10.75

Analyst Estimate

Dec15
Revenue(Mil)
EPS($) 1.43
EPS without NRI($) 1.43

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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