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The First Bancorp, Inc.NasdaqGS:FNLC Rapporto sulle azioni

Cap. di mercato US$312.9m
Prezzo delle azioni
US$27.75
US$41.69
33.4% sottovalutato sconto intrinseco
1Y14.1%
7D-0.7%
Valore del portafoglio
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The First Bancorp, Inc.

Report azionario NasdaqGS:FNLC

Capitalizzazione di mercato: US$312.9m

First Bancorp (FNLC) Panoramica del titolo

La First Bancorp, Inc. opera come holding bancaria della First National Bank, che fornisce una gamma di prodotti e servizi bancari a clienti privati e aziendali. Maggiori dettagli

FNLC analisi fondamentale
Punteggio fiocco di neve
Valutazione4/6
Crescita futura0/6
Prestazioni passate4/6
Salute finanziaria6/6
Dividendi5/6

Premi

Negoziato a 32.1% al di sotto della nostra stima del suo valore equo

Gli utili sono cresciuti del 29.2% nell'ultimo anno

Paga un dividendo elevato e affidabile di 5.23%

Analisi del rischio

Gli utili sono diminuiti del 3.1% all'anno negli ultimi 5 anni


FNLC Community Fair Values

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Concorrenti di The First Bancorp, Inc.

Storia dei prezzi e prestazioni

Riepilogo dei massimi, dei minimi e delle variazioni dei prezzi delle azioni per First Bancorp
Prezzi storici delle azioni
Prezzo attuale dell'azioneUS$28.29
Massimo di 52 settimaneUS$30.33
Minimo di 52 settimaneUS$23.36
Beta0.50
Variazione di 1 mese-3.84%
Variazione a 3 mesi-3.61%
Variazione di 1 anno14.07%
Variazione a 3 anni14.49%
Variazione a 5 anni-7.94%
Variazione dall'IPO314.00%

Notizie e aggiornamenti recenti

Recent updates

Seeking Alpha • Dec 12

The First Bancorp: Attractive, But Keep An Eye On Loans Past Due

Summary The First Bancorp delivered robust earnings growth, with net income up 20% YoY despite higher loan loss provisions. FNLC's net interest income surged nearly 25%, supported by rising interest income and lower expenses, while the dividend remains well-covered. Loan book quality is under scrutiny as past due loans—mainly CRE—rose, but real estate backing and modest provisioning mitigate immediate risk. I maintain a 'buy' rating on FNLC, citing strong earnings resilience and prudent risk management amid a softening economy. Read the full article on Seeking Alpha
Seeking Alpha • Feb 28

The First Bancorp: 5.6% Dividend Yield And A Positive Earnings Outlook

Summary The net interest margin will likely continue to expand as certificates of deposits mature. The outlook on residential loans isn’t as bright as before. I’m expecting total loan growth to slow down this year. I’m raising my EPS estimate for 2025 to $2.71 as I’ve increased my margin estimate following the last half-year’s surprise. FNLC is offering an attractive dividend yield of 5.6%. Further, the dividend appears secure due to my earnings estimate. The year-end target price suggests a significant priceupside. Hence, I’m maintaining a buy rating. Read the full article on Seeking Alpha
Seeking Alpha • Dec 11

First Bancorp: Not Cheap But An Exceptionally Robust Loan Book

Summary First Bancorp's net profit remains robust due to exceptionally low loan loss provisions, boosting its earnings significantly. The bank's $2.3B loan book is high quality, with minimal past due loans and substantial loan loss provisions covering potential defaults. Despite trading at 1.4 times tangible book value, the bank's strong loan quality and expected earnings growth justify the valuation. Unrealized losses in securities held to maturity are notable but manageable, with equity growth expected to reduce the gap by FY2025. Read the full article on Seeking Alpha
Seeking Alpha • Aug 05

The First Bancorp: Not The First On My List

Summary The First Bancorp has shown growth in deposits and loans, but has faced some weak spots. Net interest income has remained stable, but non-interest income has declined, impacting overall net income. Shares of The First Bancorp are trading at decent levels, but asset quality is low compared to similar firms. Read the full article on Seeking Alpha
Articolo di analisi • Jul 02

First Bancorp (NASDAQ:FNLC) Is Increasing Its Dividend To $0.36

The board of The First Bancorp, Inc. ( NASDAQ:FNLC ) has announced that the dividend on 19th of July will be increased...
Articolo di analisi • Dec 26

First Bancorp (NASDAQ:FNLC) Is Paying Out A Dividend Of $0.35

The board of The First Bancorp, Inc. ( NASDAQ:FNLC ) has announced that it will pay a dividend on the 19th of January...
Articolo di analisi • Jul 04

First Bancorp's (NASDAQ:FNLC) Dividend Will Be Increased To $0.35

The board of The First Bancorp, Inc. ( NASDAQ:FNLC ) has announced that the dividend on 20th of July will be increased...
Seeking Alpha • Oct 19

First Bancorp GAAP EPS of $0.91, revenue of $24.35M

First Bancorp press release (NASDAQ:FNLC): Q3 GAAP EPS of $0.91. Revenue of $24.35M (+13.8% Y/Y). Pre-tax, Pre-Provision ("PTPP") Net Income (non-GAAP) increased 10.9% compared to the third quarter of 2021 and increased 0.8% from the second quarter of 2022. Loan balances increased $69.6 million in the third quarter to $1.86 billion. Low-cost deposits totaled $1.40 billion as of September 30, 2022, growing 4.0% in the third quarter. Net Interest Margin for the quarter ended September 30, 2022, was 3.14%, up from 2.96% for the quarter ended September 30, 2021, and up slightly from 3.13% for the quarter ended June 30, 2022. Quarterly shareholder dividend declared of $0.34 per share.
Seeking Alpha • Sep 21

First Bancorp declares $0.34 dividend

First Bancorp (NASDAQ:FNLC) declares $0.34/share quarterly dividend, in line with previous. Forward yield 4.82% Payable Oct. 21; for shareholders of record Oct. 5; ex-div Oct. 4. See FNLC Dividend Scorecard, Yield Chart, & Dividend Growth.
Seeking Alpha • Aug 16

First Bancorp: A Strong-Performing Bank With A 4%+ Dividend Yield

First Bancorp delivered phenomenal earnings growth compared to last year. First Bancorp's loan quality continues to remain strong in 2022. Despite strong Q2 results, keep an eye on the rest of the year to see if strong performance persists with rising interest rates and inflation. The bank has a strong yield (4.4%) and an excellent dividend growth history (10 consecutive years of dividend growth). The banking sector continues to dominate the news. The Federal Reserve has increased interest rates at record rates in 2022 to combat sky-high inflation. Banks find themselves at the center of the madness due to their unique position in the global economy. Today's article will talk about The First Bancorp, Inc. (FNLC), one of our favorite bank stocks, to see if it is the PERFECT bank stock. We will review the company's recent financial statements, earnings release, and run the bank through the Dividend Diplomats Dividend Stock Screener. About The First Bancorp This community bank is headquartered in Maine. The bank opened its doors since 1864 and has been serving the community ever since! The bank falls in the Diplomats' sweet spot for community banks. As of June 30, 2022, First Bancorp has Total Assets were $2.63 Billion. We love banks with Total Assets between $1 billion - $5 billion assets. This allows the institution to offer customers a full suite of products without the complex products used by the mega, Too Big To Fail banks. $1 billion - $5 billion banks are typically simple. Loans, deposits, investments, and typical non-interest income. Interestingly, First Bancorp has realized significant growth over the last decade. Per the company's website, First Bancorp has added over $1 billion in assets in the last 10 years. That is a 66% growth rate. At a high level, this shows that the company knows how to responsibly grow the business (albeit aggressively over the last decade), while sticking to its historical roots of serving the Maine community and the area's local businesses. First Bancorp's Recent Performance The bank released earnings on July 20, 2022. The earnings release covered the second quarter. This section will review the highlights from the bank's second quarter. A link to the Earnings Release on Seeking Alpha can be found here, as we will reference information from the linked page in this section. Interest rates began to rise significantly in the second quarter, particularly, towards the end of the second quarter. Therefore, the true impact of rising interest rates won't be fully reflected until the company's third quarter earnings release. Trust us, though, like all banks, interest rate increases will be felt when reviewing next quarter's earnings release. Board of Governors of the Federal Reserve System (US) How did First Bancorp perform in the second quarter? Very, very well. Net income was up 13.8% compared to the same period in the previous year. This was a record setting earnings performance according to management. Reviewing the financials, there are several drivers for the strong earnings growth. First, the bank's earning assets increased $175.9 million compared to the same period last year and $75.8 million compared to March 31, 2022 (Loans increased $200 million and $81 million during the two periods, respectively). Obviously, the bank's net income is going to soar when the bank's earning asset base increases significantly during the reporting periods. The income statement is not the only area that saw strong growth in the quarter. Looking at the balance sheet, in particular, the loans section, the bank's loan balances increased significantly. Of the $81 million in loan growth in the second quarter, the majority of the growth was focused on the commercial real estate and construction sectors ($61 million), while the rest of the bank's loan growth was primarily residential loans ($23.7 million). What we can't see in the financial is when did this loan growth occur. I'd love to learn more about whether or not the growth occurred before interest rates increased or while the rates were rising. Both answers have pros and cons. If the loans were booked before interest rates were rising, the lower interest rate loans may provide interest income longer due to the fact that less companies and borrowers will refinance. Conversely, if booked at the beginning of the quarter, the bank may be locked into lower interest rates that the current market environment. The bank's deposit growth continues to remain very strong. Deposits have increased nearly 15% as of June 30, 2022, compared to the previous year. Per the earnings release, the recent growth was due to strong certificate of deposit growth. Now, let's talk loan quality. Sure, it is great to originate loans. How are the loans performing though? That's the real question! From this standpoint, First Bancorp knocks it out of the park. Total Allowance for Loan Losses to Total Loans (.91%) and non-performing assets to assets remain exceptionally low (.18%). Net charge-offs (.03%) and past due loans (.18%) continue to remain low as well. This tells me that the bank's portfolio was very clean and still performing strongly at the beginning stages of the interest rate hike and potential recession. However, there is a catch that is important to highlight as we tout the strong numbers. The ratios cited above will lag what may actually be happening in the economy. Problem loans need time to become delinquent and become 90 days past due. It simply hasn't been 90 days since the Federal Reserve and inflation really sent shock waves through the economy. Keep an eye on these ratios when reviewing the Q3 and Q4 Financial Statements. To summarize the financials. The results are currently great. Strong asset growth and strong earnings growth. In addition, the bank continues to show asset quality. That is why we love this rock solid community bank. Dividend Diplomats Dividend Stock Screener Let's run First Bancorp through the Dividend Diplomats' Dividend Stock Screener. We built our stock screener as a simple way to help us, and all of you, identify undervalued dividend stocks to research further and buy! The Dividend Diplomats Dividend Stock Screener examines the following metrics and is what we use to determine whether a company is considered an undervalued dividend growth stock. P/E Ratio (Valuation) and P/B Ratio for Banks Dividend Payout Ratio (Safety) Dividend Growth Rate and History (Longevity) For this analysis, I will use the company's 8/12/22 close price of $30.88/share, annualized EPS of $3.60/share, and an annual dividend of $1.36/share. 1.) Price-to-Earnings (P/E) and Price to Book Ratio (P/B) - This metric is used to see if the company is undervalued. According to my source, the S&P 500 P/E ratio is 21.63. FNLC's P/E Ratio is 8.57X. That is much lower than the market! For banks, we also look at the Price to Book Ratio (P/B). We love banks with a P/B between 1X - 1.15X. In that zone, we consider a bank truly undervalued. FNLC's Price to Book Ratio is currently 1.50X. This is well above the range we typically look for in a community bank. 2.) Payout Ratio - We use a 60% target payout ratio in our analysis, as we believe 60% provides a strong blend of yield and ability to continue growing their dividend going forward. FNLC's payout ratio is 37.78%. Boom. A nice check mark right there. 3.) Dividend Growth Rate - First Bancorp has increased its dividend annually since 2013. Now, the company has amassed an impressive 10 year dividend increase streak. The company's five year average dividend growth rate is 6.93%. Pretty solid! The last dividend increase was right in line with their historical mark. FNLC announced a 6.3% dividend increase at the end of June! Seeking Alpha 4.) Dividend Yield - The bank's current dividend yield is 4.40% Summary After reviewing the stock metrics, the bank has a strong dividend growth history, excellent dividend yield, and a great dividend payout ratio that will allow the company to grow its dividend for years to come. The one con from our dividend stock screener is that the company is not exactly cheap. From a P/E Ratio perspective, the company performs well. However, when looking at the industry preferred metric of P/B, First Bancorp's expensive. The company has performed very well historically. There probably is a good reason why the company's valuation isn't cheap. Strong financial results, great loan and deposit growth, and excellent asset quality should command a premium in this market.
Seeking Alpha • Jul 13

The First Bancorp: Collect A Paycheck, Get Raises

First Bancorp is now yielding 4.6% after a dividend hike. Pretty safe bet with FNLC stock in the $20s. Asset quality has improved dramatically. A little pricey relative to book value, but the bank is slowly growing and is seeing net interest margins widen. We think you can buy FNLC stock on the next sizable pullback. The First Bancorp (FNLC) stock is a buy in our opinion under $30 right now. This is because bank stocks as a whole have been clobbered along with the overall market on fears of a possible recession, largely stemming from a massive inflation problem resulting in many American family budgets being stretched to the max. Gas is expensive. Food is expensive. Clothes. Rent. Even mortgage rates are now so high that the cost of buying a home has skyrocketed, or to finance a vehicle. Wages have not kept pace. It is hurting consumer confidence. To some degree, the increase in interest rates has temporarily hit demand for loans. Some banks are still combating this environment well, and we believe First Bancorp is one of them. We believe there is risk to the upside from $29 a share. Right now, we want to discuss the key metrics you should be aware of on this name. Although we are mildly bullish here, we think you should selectively enter the name as the market allows. This is a well-run bank with a nice dividend that can generate solid returns for your portfolio in the coming years. Nice dividend increase from First Bancorp FNLC stock is a buy with a safe dividend that is now yielding over 4.5%. The dividend was just raised 6.3% two weeks ago to $0.34 quarterly. That is a handsome payout to wait for a turnaround. This hike comes on the back of mostly improving performance as evidenced in Q1. Headline earnings strength With Q1 2022 revenues of $22.85 million, the bank saw a strong 8% increase in this metric year-over-year. This was a result of increased loan and deposit activity. We also note strong performance on earnings and it needs to be stated. We were pleased to see revenues grow which helped fuel earnings that once again set a new record for the company. Earnings set a new Q1 record as net income was $9.7 million or $0.88 per share. This compares to net income of $8.9 million, or $0.81 per share, for the same period in 2021. We think 2022 will start to see more strength in the second half, after Q2 is reported. We think Q2 will reflect a weaker situation when the bank reports, and that is why the stock is down. Still longer term, we see trends for banks improving. FNLC's book value improved FNLC stock is somewhat expensive at $29.65 relative to the book value per share on March 31, 2022. Book value per share to end the quarter was $21.19, compared with $20.17 a year ago. Further, tangible book value also improved to $18.39, up 2% from last year. We think that if you get shares around $27-$28, perhaps if the market gets volatile and sells off one last time in this bear market again, that would be a very attractive price, even if it is at a premium to book. Much of the book value move came from movement in loan and deposits, as well as asset quality. Loans and deposit growth Growth in loans and deposits is critical for any bank, small or large. The bank takes in deposits at a low interest rate, and lends at a higher one. This model has worked for centuries. The bank then profits on the spread, or the so-called net interest margin. This is why a rising rate environment will ultimately be good for the banks. Right now, they are dealing with a little rate shock as borrowers have slowed demand somewhat or loans as they adjust to rates being so high. That said, the company is growing deposits and issuing more loans. Total deposits at the end of the quarter were $2.16 billion, up from $2.12 billion to start the quarter. Total loans ballooned to $1.71 billion, up from $1.65 billion to start the quarter. This is strong growth for this regional bank, while other banks are seeing loan activity falter. But we should have a sense of asset quality. Asset quality Asset health is a key indicator. We do not want to see loans increase if we are seeing non-performing loans skyrocket, or if we are seeing massive provisions for loan losses. Well, First Bancorp is not dealing with these issues, and for that reason, we really like buying the stock here with its high yield. The provision for loan losses totaled $0.45 million in the quarter, compared with $0.53 million a year ago, so some improvement here, although it's a reversal from a credit provision to start the year. The allowance for loan losses was 0.92% of total loans at the end of the quarter, down from the 0.94% of total loans at the start of the quarter and down from 1.09% a year ago. This is a great trend to see.
Seeking Alpha • Jul 07

First Bancorp declares $0.34 dividend

First Bancorp (NASDAQ:FNLC) declares $0.34/share quarterly dividend, in line with previous. Forward yield 4.46% Payable July 22; for shareholders of record July 11; ex-div July 8. See FNLC Dividend Scorecard, Yield Chart, & Dividend Growth.
Articolo di analisi • Jul 05

First Bancorp (NASDAQ:FNLC) Is Increasing Its Dividend To US$0.34

The board of The First Bancorp, Inc. ( NASDAQ:FNLC ) has announced that the dividend on 22nd of July will be increased...
Seeking Alpha • Jun 30

First Bancorp rises dividend 6.3% to 0.34/share

First Bancorp (NASDAQ:FNLC) declares $0.34/share quarterly dividend, 6.3% increase from prior dividend of $0.32. Forward yield 4.54% Payable July 22; for shareholders of record July 11; ex-div July 8. See FNLC Dividend Scorecard, Yield Chart, & Dividend Growth.
Seeking Alpha • Feb 02

First Bancorp: Wait For Better Performance

Under-the-radar Maine real estate lender. No sell-side coverage and no management conference call. Credit quality is sporadic and the cost of funding is not a competitive edge.
Seeking Alpha • Sep 02

The First Bancorp: A High Quality Bank With Decent Upside Potential

Solid loan growth trends look poised to continue for the foreseeable future. Elevated profitability levels are likely to compress a little in the coming quarters, but will still likely be higher than the historic average. Credit continues to hold up well and should limit the need for its high reserve level.
Articolo di analisi • Apr 23

Most Shareholders Will Probably Agree With The First Bancorp, Inc.'s (NASDAQ:FNLC) CEO Compensation

CEO Tony McKim has done a decent job of delivering relatively good performance at The First Bancorp, Inc. ( NASDAQ:FNLC...
Articolo di analisi • Mar 15

Should You Take Comfort From Insider Transactions At The First Bancorp, Inc. (NASDAQ:FNLC)?

We often see insiders buying up shares in companies that perform well over the long term. Unfortunately, there are also...
Articolo di analisi • Feb 22

Is The First Bancorp, Inc. (NASDAQ:FNLC) A Smart Choice For Dividend Investors?

Today we'll take a closer look at The First Bancorp, Inc. ( NASDAQ:FNLC ) from a dividend investor's perspective...
Articolo di analisi • Jan 27

What Is The Ownership Structure Like For The First Bancorp, Inc. (NASDAQ:FNLC)?

Every investor in The First Bancorp, Inc. ( NASDAQ:FNLC ) should be aware of the most powerful shareholder groups...
Articolo di analisi • Jan 01

Why You Might Be Interested In The First Bancorp, Inc. (NASDAQ:FNLC) For Its Upcoming Dividend

The First Bancorp, Inc. ( NASDAQ:FNLC ) stock is about to trade ex-dividend in 3 days. If you purchase the stock on or...

Rendimenti per gli azionisti

FNLCUS BanksUS Mercato
7D-0.7%-1.8%-0.3%
1Y14.1%14.5%24.1%

Ritorno vs Industria: FNLC ha trovato corrispondenza nel US Banks che ha restituito 14.5 % nell'ultimo anno.

Rendimento vs Mercato: FNLC ha avuto una performance inferiore al mercato US che ha registrato un rendimento 24.1 % nell'ultimo anno.

Volatilità dei prezzi

Is FNLC's price volatile compared to industry and market?
FNLC volatility
FNLC Average Weekly Movement3.6%
Banks Industry Average Movement3.5%
Market Average Movement7.2%
10% most volatile stocks in US Market16.2%
10% least volatile stocks in US Market3.2%

Prezzo delle azioni stabile: FNLC non ha avuto una volatilità dei prezzi significativa negli ultimi 3 mesi rispetto al mercato US.

Volatilità nel tempo: La volatilità settimanale ( 4% ) di FNLC è rimasta stabile nell'ultimo anno.

Informazioni sull'azienda

FondatoI dipendentiAMMINISTRATORE DELEGATOSito web
1864278Tony McKimwww.thefirst.com

The First Bancorp, Inc. opera come holding bancaria della First National Bank, che fornisce una gamma di prodotti e servizi bancari a clienti privati e aziendali. Accetta vari prodotti di deposito, tra cui conti a vista, NOW, a tempo, di risparmio, del mercato monetario e certificati di deposito. L'azienda offre anche prestiti commerciali, come mutui ipotecari per finanziare investimenti in immobili, tra cui spazi commerciali, uffici, edifici industriali, hotel, strutture educative e altri immobili ad uso specifico o misto; prestiti per immobili commerciali non occupati dal proprietario; costruzioni commerciali per finanziare la costruzione di un mix di immobili commerciali occupati dal proprietario e non; e prestiti commerciali e industriali, tra cui prestiti revolving e a termine per finanziare il capitale circolante e/o gli investimenti di capitale.

The First Bancorp, Inc. Riepilogo dei fondamenti

Come si confrontano gli utili e i ricavi di First Bancorp con la sua capitalizzazione di mercato?
FNLC statistiche fondamentali
Capitalizzazione di mercatoUS$312.90m
Utili (TTM)US$36.31m
Ricavi(TTM)US$95.98m
8.8x
Rapporto P/E
1.1x
Rapporto P/B

FNLC è sopravvalutato?

Vedi Fair Value e analisi di valutazione

Utili e ricavi

Statistiche chiave sulla redditività dall'ultima relazione sugli utili (TTM)
FNLC Conto economico (TTM)
RicaviUS$95.98m
Costo del fatturatoUS$0
Profitto lordoUS$95.98m
Altre speseUS$59.67m
UtiliUS$36.31m

Ultimi utili riportati

Mar 31, 2026

Prossima data di guadagno

n/a

Utile per azione (EPS)3.22
Margine lordo100.00%
Margine di profitto netto37.83%
Rapporto debito/patrimonio netto69.9%

Come si è comportato FNLC nel lungo periodo?

Vedi performance storica e confronto

Dividendi

5.2%
Rendimento attuale del dividendo
45%
Rapporto di remunerazione

Analisi aziendale e situazione dei dati finanziari

DatiUltimo aggiornamento (ora UTC)
Analisi dell'azienda2026/05/18 22:33
Prezzo dell'azione a fine giornata2026/05/18 00:00
Utili2026/03/31
Utili annuali2025/12/31

Fonti dei dati

I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.

PacchettoDatiTempisticaEsempio Fonte USA *
Dati finanziari della società10 anni
  • Conto economico
  • Rendiconto finanziario
  • Bilancio
Stime di consenso degli analisti+3 anni
  • Previsioni finanziarie
  • Obiettivi di prezzo degli analisti
Prezzi di mercato30 anni
  • Prezzi delle azioni
  • Dividendi, scissioni e azioni
Proprietà10 anni
  • Top azionisti
  • Insider trading
Gestione10 anni
  • Team di leadership
  • Consiglio di amministrazione
Sviluppi principali10 anni
  • Annunci aziendali

* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.

Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.

Modello di analisi e Snowflake

I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina Github; abbiamo anche guide su come utilizzare i nostri report e tutorial su Youtube.

Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.

Metriche di settore e industriali

Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.

Fonti analitiche

The First Bancorp, Inc. è coperta da 0 analisti. 0 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.