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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.08
FNLC's Cash to Debt is ranked lower than
94% of the 1134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.19 vs. FNLC: 0.08 )
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: 0.08
Equity to Asset 0.11
FNLC's Equity to Asset is ranked higher than
61% of the 1602 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 2.28
FNLC's Interest Coverage is ranked higher than
59% of the 1524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.63 vs. FNLC: 2.28 )
Ranked among companies with meaningful Interest Coverage only.
FNLC' s Interest Coverage Range Over the Past 10 Years
Min: 0.46  Med: 1.04 Max: 2.2
Current: 2.28
0.46
2.2
F-Score: 6
M-Score: -2.35
WACC vs ROIC
4.25%
3.72%
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 (%) 41.58
FNLC's Operating margin (%) is ranked higher than
74% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.01 vs. FNLC: 41.58 )
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: 43.75
Current: 41.58
30.63
43.75
Net-margin (%) 30.91
FNLC's Net-margin (%) is ranked higher than
73% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.39 vs. FNLC: 30.91 )
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: 31.21
Current: 30.91
23.12
31.21
ROE (%) 9.92
FNLC's ROE (%) is ranked higher than
62% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.26 vs. FNLC: 9.92 )
Ranked among companies with meaningful ROE (%) only.
FNLC' s ROE (%) Range Over the Past 10 Years
Min: 7.23  Med: 9.26 Max: 12.21
Current: 9.92
7.23
12.21
ROA (%) 1.07
FNLC's ROA (%) is ranked higher than
64% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 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: 1.15
Current: 1.07
0.89
1.15
Revenue Growth (3Y)(%) -1.00
FNLC's Revenue Growth (3Y)(%) is ranked lower than
68% of the 1338 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. FNLC: -1.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FNLC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -4.3  Med: 9.60 Max: 112
Current: -1
-4.3
112
EBITDA Growth (3Y)(%) 7.30
FNLC's EBITDA Growth (3Y)(%) is ranked higher than
55% of the 1230 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. FNLC: 7.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FNLC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -6.3  Med: 4.60 Max: 16.7
Current: 7.3
-6.3
16.7
EPS Growth (3Y)(%) 7.40
FNLC's EPS Growth (3Y)(%) is ranked higher than
50% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FNLC: 7.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FNLC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -31.9  Med: 6.30 Max: 16.5
Current: 7.4
-31.9
16.5
» FNLC's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q4 2015

FNLC Guru Trades in Q4 2015

Jim Simons 110,200 sh (+16.62%)
Chuck Royce 40,200 sh (unchged)
» More
Q1 2016

FNLC Guru Trades in Q1 2016

Jim Simons 124,900 sh (+13.34%)
Chuck Royce Sold Out
» 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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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:CNBKA, NAS:NKSH, NAS:MCBC, NAS:FMNB, NAS:TBBK, OTCPK:ALRS, NAS:CZNC, NAS:CCBG, NAS:ATLO, NAS:ANCX, NAS:NCOM, NAS:BSRR, NAS:FFKT, NAS:CARO, NAS:AMNB, AMEX:BHB, NAS:MBVT, NAS:FBNK, NAS:MNRK, OTCPK:ISBA » details
First Bancorp Inc through its wholly-owned subsidiary provides banking services to individual and corporate customers from sixteen offices in coastal and eastern Maine.

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. It 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.

Ratios

vs
industry
vs
history
P/E(ttm) 14.47
FNLC's P/E(ttm) is ranked lower than
60% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.82 vs. FNLC: 14.47 )
Ranked among companies with meaningful P/E(ttm) only.
FNLC' s P/E(ttm) Range Over the Past 10 Years
Min: 7.81  Med: 12.95 Max: 15.5
Current: 14.47
7.81
15.5
PE(NRI) 14.47
FNLC's PE(NRI) is ranked lower than
59% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.82 vs. FNLC: 14.47 )
Ranked among companies with meaningful PE(NRI) only.
FNLC' s PE(NRI) Range Over the Past 10 Years
Min: 7.81  Med: 12.95 Max: 15.5
Current: 14.47
7.81
15.5
Price/Owner Earnings (ttm) 14.31
FNLC's Price/Owner Earnings (ttm) is ranked lower than
60% of the 832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.66 vs. FNLC: 14.31 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FNLC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 7.79  Med: 12.54 Max: 29.67
Current: 14.31
7.79
29.67
P/B 1.37
FNLC's P/B is ranked lower than
74% of the 1654 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. FNLC: 1.37 )
Ranked among companies with meaningful P/B only.
FNLC' s P/B Range Over the Past 10 Years
Min: 0.87  Med: 1.22 Max: 1.87
Current: 1.37
0.87
1.87
P/S 4.49
FNLC's P/S is ranked lower than
78% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. FNLC: 4.49 )
Ranked among companies with meaningful P/S only.
FNLC' s P/S Range Over the Past 10 Years
Min: 2.18  Med: 3.52 Max: 4.78
Current: 4.49
2.18
4.78
PFCF 11.86
FNLC's PFCF is ranked lower than
61% of the 855 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.14 vs. FNLC: 11.86 )
Ranked among companies with meaningful PFCF only.
FNLC' s PFCF Range Over the Past 10 Years
Min: 4.14  Med: 10.00 Max: 46.07
Current: 11.86
4.14
46.07
POCF 11.39
FNLC's POCF is ranked lower than
66% of the 955 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.83 vs. FNLC: 11.39 )
Ranked among companies with meaningful POCF only.
FNLC' s POCF Range Over the Past 10 Years
Min: 4.01  Med: 9.07 Max: 23.35
Current: 11.39
4.01
23.35
EV-to-EBIT 22.29
FNLC's EV-to-EBIT is ranked lower than
76% of the 1508 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.21 vs. FNLC: 22.29 )
Ranked among companies with meaningful EV-to-EBIT only.
FNLC' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.9  Med: 22.60 Max: 29.7
Current: 22.29
5.9
29.7
EV-to-EBITDA 20.68
FNLC's EV-to-EBITDA is ranked lower than
79% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.95 vs. FNLC: 20.68 )
Ranked among companies with meaningful EV-to-EBITDA only.
FNLC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.6  Med: 20.90 Max: 27.5
Current: 20.68
5.6
27.5
PEG 4.23
FNLC's PEG is ranked lower than
86% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. FNLC: 4.23 )
Ranked among companies with meaningful PEG only.
FNLC' s PEG Range Over the Past 10 Years
Min: 0.87  Med: 2.03 Max: 134.55
Current: 4.23
0.87
134.55
Shiller P/E 15.93
FNLC's Shiller P/E is ranked higher than
54% of the 488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.08 vs. FNLC: 15.93 )
Ranked among companies with meaningful Shiller P/E only.
FNLC' s Shiller P/E Range Over the Past 10 Years
Min: 9.26  Med: 12.50 Max: 18.3
Current: 15.93
9.26
18.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.01
FNLC's Dividend Yield is ranked higher than
65% of the 2228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.96 vs. FNLC: 4.01 )
Ranked among companies with meaningful Dividend Yield only.
FNLC' s Dividend Yield Range Over the Past 10 Years
Min: 1.99  Med: 4.64 Max: 6.9
Current: 4.01
1.99
6.9
Dividend Payout 0.57
FNLC's Dividend Payout is ranked lower than
81% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FNLC: 0.57 )
Ranked among companies with meaningful Dividend Payout only.
FNLC' s Dividend Payout Range Over the Past 10 Years
Min: 0.03  Med: 0.50 Max: 0.81
Current: 0.57
0.03
0.81
Dividend Growth (3y) 3.70
FNLC's Dividend Growth (3y) is ranked lower than
67% of the 734 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. FNLC: 3.70 )
Ranked among companies with meaningful Dividend Growth (3y) only.
FNLC' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 15.50 Max: 43.1
Current: 3.7
0
43.1
Forward Dividend Yield 4.19
FNLC's Forward Dividend Yield is ranked higher than
64% of the 2106 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. FNLC: 4.19 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.45
FNLC's Yield on cost (5-Year) is ranked higher than
59% of the 2508 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. FNLC: 4.45 )
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: 2.21  Med: 5.15 Max: 7.66
Current: 4.45
2.21
7.66
3-Year Average Share Buyback Ratio -2.90
FNLC's 3-Year Average Share Buyback Ratio is ranked lower than
54% of the 1041 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. FNLC: -2.90 )
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: -57.2  Med: -0.80 Max: 1.2
Current: -2.9
-57.2
1.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.69
FNLC's Price/Tangible Book is ranked lower than
78% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. FNLC: 1.69 )
Ranked among companies with meaningful Price/Tangible Book only.
FNLC' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.08  Med: 1.60 Max: 2.89
Current: 1.69
1.08
2.89
Price/Projected FCF 0.68
FNLC's Price/Projected FCF is ranked lower than
56% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.66 vs. FNLC: 0.68 )
Ranked among companies with meaningful Price/Projected FCF only.
FNLC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.47  Med: 0.64 Max: 1.75
Current: 0.68
0.47
1.75
Price/Median PS Value 1.27
FNLC's Price/Median PS Value is ranked lower than
81% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. FNLC: 1.27 )
Ranked among companies with meaningful Price/Median PS Value only.
FNLC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.52  Med: 1.00 Max: 1.64
Current: 1.27
0.52
1.64
Price/Graham Number 1.04
FNLC's Price/Graham Number is ranked lower than
69% of the 1471 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. FNLC: 1.04 )
Ranked among companies with meaningful Price/Graham Number only.
FNLC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.42  Med: 0.95 Max: 1.52
Current: 1.04
0.42
1.52
Earnings Yield (Greenblatt) (%) 4.42
FNLC's Earnings Yield (Greenblatt) (%) is ranked lower than
70% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. FNLC: 4.42 )
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: 4.42
3.4
16.8
Forward Rate of Return (Yacktman) (%) 13.69
FNLC's Forward Rate of Return (Yacktman) (%) is ranked higher than
52% of the 844 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. FNLC: 13.69 )
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: 6.1  Med: 11.85 Max: 21.4
Current: 13.69
6.1
21.4

More Statistics

Revenue (TTM) (Mil) $53.50
EPS (TTM) $ 1.54
Beta0.67
Short Percentage of Float2.21%
52-Week Range $17.37 - 23.37
Shares Outstanding (Mil)10.78
» More Articles for NAS: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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The First Bancorp Declares 2nd Quarter 2016 Dividend Jun 24 2016
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