Switch to:

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
54% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.86 vs. FNLC: 0.05 )
FNLC' s 10-Year Cash to Debt Range
Min: 0.05   Max: No Debt
Current: 0.05

Equity to Asset 0.11
FNLC's Equity to Asset is ranked higher than
77% of the 2312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FNLC: 0.11 )
FNLC' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.12
Current: 0.11

0.08
0.12
Interest Coverage 1.69
FNLC's Interest Coverage is ranked higher than
73% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. FNLC: 1.69 )
FNLC' s 10-Year Interest Coverage Range
Min: 0.43   Max: 1.69
Current: 1.69

0.43
1.69
F-Score: 5
Z-Score: 0.29
WACC vs ROIC
5.09%
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
85% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.22 vs. FNLC: 39.41 )
FNLC' s 10-Year Operating margin (%) Range
Min: -304.13   Max: 45.55
Current: 39.41

-304.13
45.55
Net-margin (%) 29.74
FNLC's Net-margin (%) is ranked higher than
86% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.12 vs. FNLC: 29.74 )
FNLC' s 10-Year Net-margin (%) Range
Min: 23.12   Max: 243.53
Current: 29.74

23.12
243.53
ROE (%) 9.73
FNLC's ROE (%) is ranked higher than
78% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. FNLC: 9.73 )
FNLC' s 10-Year ROE (%) Range
Min: 8.14   Max: 16.93
Current: 9.73

8.14
16.93
ROA (%) 1.04
FNLC's ROA (%) is ranked higher than
82% of the 2433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FNLC: 1.04 )
FNLC' s 10-Year ROA (%) Range
Min: 0.89   Max: 1.57
Current: 1.04

0.89
1.57
ROC (Joel Greenblatt) (%) 11.92
FNLC's ROC (Joel Greenblatt) (%) is ranked higher than
54% of the 2392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 89.92 vs. FNLC: 11.92 )
FNLC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -180.1   Max: 138.9
Current: 11.92

-180.1
138.9
Revenue Growth (3Y)(%) -4.20
FNLC's Revenue Growth (3Y)(%) is ranked higher than
59% of the 2094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. FNLC: -4.20 )
FNLC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 112.3
Current: -4.2

0
112.3
EBITDA Growth (3Y)(%) 2.90
FNLC's EBITDA Growth (3Y)(%) is ranked higher than
67% of the 1872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. FNLC: 2.90 )
FNLC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 14.4
Current: 2.9

0
14.4
EPS Growth (3Y)(%) 2.80
FNLC's EPS Growth (3Y)(%) is ranked higher than
66% of the 1904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. FNLC: 2.80 )
FNLC' s 10-Year EPS Growth (3Y)(%) Range
Min: -30.8   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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 11.50
FNLC's P/E(ttm) is ranked higher than
64% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FNLC: 11.50 )
FNLC' s 10-Year P/E(ttm) Range
Min: 7.82   Max: 22.14
Current: 11.5

7.82
22.14
Forward P/E 12.47
FNLC's Forward P/E is ranked lower than
62% of the 752 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. FNLC: 12.47 )
N/A
PE(NRI) 11.70
FNLC's PE(NRI) is ranked higher than
67% of the 1209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. FNLC: 11.70 )
FNLC' s 10-Year PE(NRI) Range
Min: 7.75   Max: 21.82
Current: 11.7

7.75
21.82
P/B 1.10
FNLC's P/B is ranked lower than
58% of the 1311 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FNLC: 1.10 )
FNLC' s 10-Year P/B Range
Min: 0.87   Max: 4.78
Current: 1.1

0.87
4.78
P/S 3.50
FNLC's P/S is ranked lower than
80% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FNLC: 3.50 )
FNLC' s 10-Year P/S Range
Min: 2.19   Max: 9.45
Current: 3.5

2.19
9.45
PFCF 64.80
FNLC's PFCF is ranked lower than
120% of the 878 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. FNLC: 64.80 )
FNLC' s 10-Year PFCF Range
Min: 4.15   Max: 67.93
Current: 64.8

4.15
67.93
POCF 8.88
FNLC's POCF is ranked higher than
53% of the 958 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.38 vs. FNLC: 8.88 )
FNLC' s 10-Year POCF Range
Min: 4   Max: 23.22
Current: 8.88

4
23.22
EV-to-EBIT 23.42
FNLC's EV-to-EBIT is ranked lower than
75% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.37 vs. FNLC: 23.42 )
FNLC' s 10-Year EV-to-EBIT Range
Min: 5.9   Max: 40
Current: 23.42

5.9
40
Shiller P/E 12.80
FNLC's Shiller P/E is ranked higher than
63% of the 759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.40 vs. FNLC: 12.80 )
FNLC' s 10-Year Shiller P/E Range
Min: 8.39   Max: 28.24
Current: 12.8

8.39
28.24
Days Sales Outstanding 40.21
FNLC's Days Sales Outstanding is ranked lower than
57% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.65 vs. FNLC: 40.21 )
FNLC' s 10-Year Days Sales Outstanding Range
Min: 31.64   Max: 441.84
Current: 40.21

31.64
441.84

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 5.10
FNLC's Dividend Yield is ranked higher than
78% of the 1339 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.50 vs. FNLC: 5.10 )
FNLC' s 10-Year Dividend Yield Range
Min: 1.71   Max: 6.9
Current: 5.1

1.71
6.9
Dividend Payout 0.58
FNLC's Dividend Payout is ranked lower than
96% of the 1089 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.28 vs. FNLC: 0.58 )
FNLC' s 10-Year Dividend Payout Range
Min: 0.27   Max: 0.82
Current: 0.58

0.27
0.82
Dividend growth (3y) 2.10
FNLC's Dividend growth (3y) is ranked lower than
68% of the 622 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. FNLC: 2.10 )
FNLC' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 43.1
Current: 2.1

0
43.1
Yield on cost (5-Year) 5.36
FNLC's Yield on cost (5-Year) is ranked higher than
63% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.46 vs. FNLC: 5.36 )
FNLC' s 10-Year Yield on cost (5-Year) Range
Min: 1.8   Max: 7.25
Current: 5.36

1.8
7.25
Share Buyback Rate -3.00
FNLC's Share Buyback Rate is ranked lower than
59% of the 915 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. FNLC: -3.00 )
FNLC' s 10-Year Share Buyback Rate Range
Min: 1.3   Max: -58.3
Current: -3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.40
FNLC's Price/Tangible Book is ranked lower than
71% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FNLC: 1.40 )
FNLC' s 10-Year Price/Tangible Book Range
Min: 1.07   Max: 3.88
Current: 1.4

1.07
3.88
Price/DCF (Projected) 0.70
FNLC's Price/DCF (Projected) is ranked lower than
56% of the 778 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. FNLC: 0.70 )
FNLC' s 10-Year Price/DCF (Projected) Range
Min: 0.46   Max: 1.62
Current: 0.7

0.46
1.62
Price/Median PS Value 1.00
FNLC's Price/Median PS Value is ranked higher than
65% of the 1285 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FNLC: 1.00 )
FNLC' s 10-Year Price/Median PS Value Range
Min: 0.55   Max: 2.17
Current: 1

0.55
2.17
Price/Graham Number 0.80
FNLC's Price/Graham Number is ranked higher than
58% of the 1193 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FNLC: 0.80 )
FNLC' s 10-Year Price/Graham Number Range
Min: 0.61   Max: 2.04
Current: 0.8

0.61
2.04
Earnings Yield (Greenblatt) 4.40
FNLC's Earnings Yield (Greenblatt) is ranked lower than
76% of the 1334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. FNLC: 4.40 )
FNLC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.5   Max: 16.8
Current: 4.4

2.5
16.8
Forward Rate of Return (Yacktman) 9.58
FNLC's Forward Rate of Return (Yacktman) is ranked lower than
62% of the 761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.69 vs. FNLC: 9.58 )
FNLC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4.4   Max: 22.9
Current: 9.58

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 

More From Other Websites
FIRST BANCORP, INC /ME/ Financials May 15 2015
10-Q for The First Bancorp, Inc. (Maine) May 13 2015
FIRST BANCORP, INC /ME/ Files SEC form 10-Q, Quarterly Report May 08 2015
10-K for The First Bancorp, Inc. (Maine) May 05 2015
First Bancorp posts 1Q profit May 04 2015
First Bancorp Reports 1st Quarter 2015 Earnings Apr 23 2015
The First Bancorp Reports Record Quarterly Net Income Apr 22 2015
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
The First Bancorp Maintains Quarterly Dividend at 21 Cents per Share Mar 19 2015
FIRST BANCORP, INC /ME/ Files SEC form 10-K, Annual Report Mar 13 2015
The First Bancorp Reports Record Net Income for 2014 Jan 21 2015
FIRST BANCORP, INC /ME/ Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Jan 02 2015
First Bancorp Declares 4th Quarter 2014 Dividend Dec 19 2014
FIRST BANCORP, INC /ME/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 18 2014
The First Bancorp Maintains Quarterly Dividend at 21 Cents per Share Dec 18 2014
FIRST BANCORP, INC /ME/ Files SEC form 10-Q, Quarterly Report Nov 07 2014
The First Bancorp Reports Record Quarterly Net Income Oct 22 2014
FIRST BANCORP, INC /ME/ Files SEC form 8-K, Change in Directors or Principal Officers Sep 30 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK