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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 0.09
FNLC's Cash-to-Debt is ranked lower than
97% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. FNLC: 0.09 )
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: 0.09
Equity-to-Asset 0.10
FNLC's Equity-to-Asset is ranked higher than
51% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FNLC: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
FNLC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.1 Max: 0.12
Current: 0.1
0.08
0.12
Interest Coverage 2.17
FNLC's Interest Coverage is ranked higher than
58% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. FNLC: 2.17 )
Ranked among companies with meaningful Interest Coverage only.
FNLC' s Interest Coverage Range Over the Past 10 Years
Min: 0.46  Med: 1.17 Max: 2.26
Current: 2.17
0.46
2.26
Beneish M-Score: -2.36
WACC vs ROIC
4.60%
4.37%
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 : 4/10

vs
industry
vs
history
Operating Margin % 43.63
FNLC's Operating Margin % is ranked higher than
76% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. FNLC: 43.63 )
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: 44.12
Current: 43.63
30.63
44.12
Net Margin % 32.36
FNLC's Net Margin % is ranked higher than
75% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. FNLC: 32.36 )
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: 32.48
Current: 32.36
23.12
32.48
ROE % 10.43
FNLC's ROE % is ranked higher than
64% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. FNLC: 10.43 )
Ranked among companies with meaningful ROE % only.
FNLC' s ROE % Range Over the Past 10 Years
Min: 7.79  Med: 9.26 Max: 12.21
Current: 10.43
7.79
12.21
ROA % 1.09
FNLC's ROA % is ranked higher than
65% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. FNLC: 1.09 )
Ranked among companies with meaningful ROA % only.
FNLC' s ROA % Range Over the Past 10 Years
Min: 0.89  Med: 0.99 Max: 1.13
Current: 1.09
0.89
1.13
3-Year Revenue Growth Rate 2.80
FNLC's 3-Year Revenue Growth Rate is ranked lower than
58% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. FNLC: 2.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
FNLC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -4.3  Med: 10.4 Max: 112
Current: 2.8
-4.3
112
3-Year EBITDA Growth Rate 12.00
FNLC's 3-Year EBITDA Growth Rate is ranked higher than
66% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. FNLC: 12.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
FNLC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -6  Med: 6.25 Max: 16.7
Current: 12
-6
16.7
3-Year EPS without NRI Growth Rate 11.40
FNLC's 3-Year EPS without NRI Growth Rate is ranked higher than
62% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FNLC: 11.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
FNLC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -31.9  Med: 6.3 Max: 16.7
Current: 11.4
-31.9
16.7
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» FNLC's 30-Y Financials

Financials (Next Earnings Date: 2017-07-29 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q2 2016

FNLC Guru Trades in Q2 2016

Jim Simons 133,700 sh (+7.05%)
» More
Q3 2016

FNLC Guru Trades in Q3 2016

Jim Simons 144,200 sh (+7.85%)
» More
Q4 2016

FNLC Guru Trades in Q4 2016

Jim Simons 157,600 sh (+9.29%)
» More
Q1 2017

FNLC Guru Trades in Q1 2017

Jim Simons 180,823 sh (+14.74%)
» 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    NAICS: 522110    SIC: 6021
Compare:NAS:NKSH, NAS:CHFN, NAS:CZNC, NAS:PBNC, NAS:BLMT, NAS:BFIN, NAS:FMAO, OTCPK:IALB, NAS:SMMF, OTCPK:CATC, OTCPK:FFMR, NAS:MBRG, NAS:BWFG, NAS:ATLO, OTCPK:ALRS, NAS:FFKT, NAS:FBMS, NAS:CVCY, NAS:SFST, NAS:CNBKA » details
Headquarter Location:USA
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
PE Ratio 15.19
FNLC's PE Ratio is ranked lower than
59% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. FNLC: 15.19 )
Ranked among companies with meaningful PE Ratio only.
FNLC' s PE Ratio Range Over the Past 10 Years
Min: 7.81  Med: 12.98 Max: 19.94
Current: 15.19
7.81
19.94
PE Ratio without NRI 15.19
FNLC's PE Ratio without NRI is ranked lower than
59% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. FNLC: 15.19 )
Ranked among companies with meaningful PE Ratio without NRI only.
FNLC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.81  Med: 12.98 Max: 19.94
Current: 15.19
7.81
19.94
Price-to-Owner-Earnings 17.75
FNLC's Price-to-Owner-Earnings is ranked lower than
66% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. FNLC: 17.75 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FNLC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 7.79  Med: 12.56 Max: 29.67
Current: 17.75
7.79
29.67
PB Ratio 1.60
FNLC's PB Ratio is ranked lower than
76% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FNLC: 1.60 )
Ranked among companies with meaningful PB Ratio only.
FNLC' s PB Ratio Range Over the Past 10 Years
Min: 0.87  Med: 1.23 Max: 2.07
Current: 1.6
0.87
2.07
PS Ratio 4.93
FNLC's PS Ratio is ranked lower than
80% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. FNLC: 4.93 )
Ranked among companies with meaningful PS Ratio only.
FNLC' s PS Ratio Range Over the Past 10 Years
Min: 2.19  Med: 3.53 Max: 6.46
Current: 4.93
2.19
6.46
Price-to-Free-Cash-Flow 14.23
FNLC's Price-to-Free-Cash-Flow is ranked lower than
62% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. FNLC: 14.23 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FNLC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.14  Med: 10.03 Max: 28.91
Current: 14.23
4.14
28.91
Price-to-Operating-Cash-Flow 12.83
FNLC's Price-to-Operating-Cash-Flow is ranked lower than
63% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. FNLC: 12.83 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FNLC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.01  Med: 9.11 Max: 23.4
Current: 12.83
4.01
23.4
EV-to-EBIT 19.64
FNLC's EV-to-EBIT is ranked lower than
77% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. FNLC: 19.64 )
Ranked among companies with meaningful EV-to-EBIT only.
FNLC' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.9  Med: 22.8 Max: 29.7
Current: 19.64
5.9
29.7
EV-to-EBITDA 18.32
FNLC's EV-to-EBITDA is ranked lower than
79% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. FNLC: 18.32 )
Ranked among companies with meaningful EV-to-EBITDA only.
FNLC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.6  Med: 21.1 Max: 27.5
Current: 18.32
5.6
27.5
PEG Ratio 2.27
FNLC's PEG Ratio is ranked lower than
69% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. FNLC: 2.27 )
Ranked among companies with meaningful PEG Ratio only.
FNLC' s PEG Ratio Range Over the Past 10 Years
Min: 0.92  Med: 2.23 Max: 42.29
Current: 2.27
0.92
42.29
Shiller PE Ratio 17.77
FNLC's Shiller PE Ratio is ranked higher than
56% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. FNLC: 17.77 )
Ranked among companies with meaningful Shiller PE Ratio only.
FNLC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 9.33  Med: 12.59 Max: 23.15
Current: 17.77
9.33
23.15

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.62
FNLC's Dividend Yield % is ranked higher than
62% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. FNLC: 3.62 )
Ranked among companies with meaningful Dividend Yield % only.
FNLC' s Dividend Yield % Range Over the Past 10 Years
Min: 2.75  Med: 4.63 Max: 6.9
Current: 3.62
2.75
6.9
Dividend Payout Ratio 0.55
FNLC's Dividend Payout Ratio is ranked lower than
80% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FNLC: 0.55 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FNLC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.52  Med: 0.62 Max: 0.71
Current: 0.55
0.52
0.71
3-Year Dividend Growth Rate 5.00
FNLC's 3-Year Dividend Growth Rate is ranked lower than
58% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. FNLC: 5.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
FNLC' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 15.5 Max: 43.8
Current: 5
0
43.8
Forward Dividend Yield % 3.62
FNLC's Forward Dividend Yield % is ranked higher than
58% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. FNLC: 3.62 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.28
FNLC's 5-Year Yield-on-Cost % is ranked higher than
58% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. FNLC: 4.28 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
FNLC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.25  Med: 5.47 Max: 8.16
Current: 4.28
3.25
8.16
3-Year Average Share Buyback Ratio -0.40
FNLC's 3-Year Average Share Buyback Ratio is ranked higher than
67% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. FNLC: -0.40 )
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: -59.6  Med: -0.8 Max: 1.9
Current: -0.4
-59.6
1.9

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.89
FNLC's Price-to-Tangible-Book is ranked lower than
78% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. FNLC: 1.89 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FNLC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.08  Med: 1.6 Max: 2.89
Current: 1.89
1.08
2.89
Price-to-Intrinsic-Value-Projected-FCF 0.81
FNLC's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
57% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. FNLC: 0.81 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FNLC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.45  Med: 0.63 Max: 1.58
Current: 0.81
0.45
1.58
Price-to-Median-PS-Value 1.39
FNLC's Price-to-Median-PS-Value is ranked lower than
80% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. FNLC: 1.39 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FNLC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.67  Med: 1.02 Max: 4.46
Current: 1.39
0.67
4.46
Price-to-Peter-Lynch-Fair-Value 1.88
FNLC's Price-to-Peter-Lynch-Fair-Value is ranked lower than
78% of the 426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. FNLC: 1.88 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
FNLC' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.62  Med: 1.41 Max: 2.72
Current: 1.88
0.62
2.72
Price-to-Graham-Number 1.13
FNLC's Price-to-Graham-Number is ranked lower than
70% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. FNLC: 1.13 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FNLC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.42  Med: 0.97 Max: 1.52
Current: 1.13
0.42
1.52
Earnings Yield (Greenblatt) % 5.11
FNLC's Earnings Yield (Greenblatt) % is ranked lower than
59% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. FNLC: 5.11 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FNLC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 3.4  Med: 4.4 Max: 16.8
Current: 5.11
3.4
16.8
Forward Rate of Return (Yacktman) % 15.74
FNLC's Forward Rate of Return (Yacktman) % is ranked higher than
59% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. FNLC: 15.74 )
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: 6.2  Med: 12.7 Max: 20.5
Current: 15.74
6.2
20.5

More Statistics

Revenue (TTM) (Mil) $56.07
EPS (TTM) $ 1.67
Beta0.77
Short Percentage of Float1.15%
52-Week Range $19.81 - 33.21
Shares Outstanding (Mil)10.82
» More Articles for FNLC

Headlines

Articles On GuruFocus.com
/C O R R E C T I O N -- WeissLaw LLP/ May 03 2017 
WeissLaw LLP: ASB Bancorp, Inc. Acquisition is the Subject of a Legal Investigation May 02 2017 
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 

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/C O R R E C T I O N -- WeissLaw LLP/ May 03 2017
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The First Bancorp Inc. posts 1Q profit Apr 19 2017
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