Loading...

First Bancorp Lebanon

OTCPK:FBLV
Snowflake Description

Flawless balance sheet unattractive dividend payer.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
FBLV
OTCPK
$236M
Market Cap
  1. Home
  2. US
  3. Banks
Company description

First Bancorp Inc., Lebanon operates as a bank holding company for The First Bank & Trust Company that provides various banking products and services in the United States. The last earnings update was 111 days ago. More info.


Add to Portfolio Compare Print
FBLV Share Price and Events
7 Day Returns
0%
OTCPK:FBLV
1.1%
US Banks
0.5%
US Market
1 Year Returns
-
OTCPK:FBLV
-8%
US Banks
0.8%
US Market
FBLV Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
First Bancorp Lebanon (FBLV) 0% 0% - - - -
US Banks 1.1% -0.6% -2.8% -8% 46.4% 40.3%
US Market 0.5% -0.1% 1% 0.8% 37.5% 37.5%
1 Year Return vs Industry and Market
  • No trading data on FBLV.
  • No trading data on FBLV.
Price Volatility
FBLV
Industry
5yr Volatility vs Market
Related Companies

Sorry, no analysis for First Bancorp Lebanon's competitors could be found in our database.

Value

 Is First Bancorp Lebanon undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of First Bancorp Lebanon to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for First Bancorp Lebanon.

OTCPK:FBLV Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= $23.91 * 11%
$2.63
Book Value of Equity per Share Median Book Value from the past 5 years. $23.91
Discount Rate (Cost of Equity) See below 7.8%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for OTCPK:FBLV
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.59
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.593 (1 + (1- 21%) (37.6%))
0.845
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.84
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (0.845 * 5.96%)
7.77%

Discounted Cash Flow Calculation for OTCPK:FBLV using Excess Returns Model Model

The calculations below outline how an intrinsic value for First Bancorp Lebanon is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

OTCPK:FBLV Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (11% – 7.77%) * $23.91)
$0.77
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $0.77 / (7.77% - 2.73%)
$15.39
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $23.91 + $15.39
$39.3
OTCPK:FBLV Discount to Share Price
Calculation Result
Value per share (USD) From above. $39.30
Current discount Discount to share price of $57.00
= -1 x ($57.00 - $39.30) / $39.30
-45.1%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of First Bancorp Lebanon is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for First Bancorp Lebanon's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are First Bancorp Lebanon's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
OTCPK:FBLV PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in USD $3.18
OTCPK:FBLV Share Price ** OTCPK (2019-04-26) in USD $57
United States of America Banks Industry PE Ratio Median Figure of 600 Publicly-Listed Banks Companies 12.67x
United States of America Market PE Ratio Median Figure of 3,094 Publicly-Listed Companies 17.69x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of First Bancorp Lebanon.

OTCPK:FBLV PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= OTCPK:FBLV Share Price ÷ EPS (both in USD)

= 57 ÷ 3.18

17.92x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • First Bancorp Lebanon is overvalued based on earnings compared to the US Banks industry average.
  • First Bancorp Lebanon is overvalued based on earnings compared to the United States of America market.
Price based on expected Growth
Does First Bancorp Lebanon's expected growth come at a high price?
Raw Data
OTCPK:FBLV PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 17.92x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
-0.5%per year
United States of America Banks Industry PEG Ratio Median Figure of 271 Publicly-Listed Banks Companies 1.37x
United States of America Market PEG Ratio Median Figure of 2,125 Publicly-Listed Companies 1.52x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for First Bancorp Lebanon, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on First Bancorp Lebanon's assets?
Raw Data
OTCPK:FBLV PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in USD $23.91
OTCPK:FBLV Share Price * OTCPK (2019-04-26) in USD $57
United States of America Banks Industry PB Ratio Median Figure of 603 Publicly-Listed Banks Companies 1.2x
United States of America Market PB Ratio Median Figure of 5,244 Publicly-Listed Companies 1.79x
OTCPK:FBLV PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= OTCPK:FBLV Share Price ÷ Book Value per Share (both in USD)

= 57 ÷ 23.91

2.38x

* Primary Listing of First Bancorp Lebanon.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • First Bancorp Lebanon is overvalued based on assets compared to the US Banks industry average.
X
Value checks
We assess First Bancorp Lebanon's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. First Bancorp Lebanon has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is First Bancorp Lebanon expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

  • No analysts cover First Bancorp Lebanon, future earnings growth has been estimated based on fundamentals.
The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
-0.5%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is First Bancorp Lebanon expected to grow at an attractive rate?
  • First Bancorp Lebanon's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 2.7%.
Growth vs Market Checks
  • First Bancorp Lebanon's earnings are expected to decrease over the next 1-3 years, this is below the United States of America market average.
  • Unable to compare First Bancorp Lebanon's revenue growth to the United States of America market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
OTCPK:FBLV Future Growth Rates Data Sources
Data Point Source Value (per year)
OTCPK:FBLV Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts -0.5%
United States of America Banks Industry Earnings Growth Rate Market Cap Weighted Average 3.8%
United States of America Banks Industry Revenue Growth Rate Market Cap Weighted Average 3.9%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 13.9%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.3%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
OTCPK:FBLV Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (5 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
OTCPK:FBLV Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2018-12-31 76 13 26
2017-12-31 73 20 20
2016-12-31 68 18 20

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • First Bancorp Lebanon's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.
  • Unable to determine if First Bancorp Lebanon is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
OTCPK:FBLV Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (5 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from First Bancorp Lebanon Company Filings, last reported 5 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:FBLV Past Financials Data
Date (Data in USD Millions) EPS *
2018-12-31 3.18
2017-12-31 2.43
2016-12-31 4.86

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if First Bancorp Lebanon will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess First Bancorp Lebanon's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
First Bancorp Lebanon has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has First Bancorp Lebanon performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare First Bancorp Lebanon's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Insufficient data to establish if First Bancorp Lebanon's year on year earnings growth rate was positive over the past 5 years.
  • Unable to compare First Bancorp Lebanon's 1-year earnings growth to the 5-year average due to insufficient past data.
  • First Bancorp Lebanon's earnings growth has not exceeded the US Banks industry average in the past year (31% vs 39.5%).
Earnings and Revenue History
First Bancorp Lebanon's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from First Bancorp Lebanon Company Filings, last reported 5 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:FBLV Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 76.08 26.37 31.37
2017-12-31 73.27 20.13 28.99
2016-12-31 68.48 20.07 26.37

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • First Bancorp Lebanon has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • First Bancorp Lebanon used its assets more efficiently than the US Banks industry average last year based on Return on Assets.
  • Unable to establish if First Bancorp Lebanon improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess First Bancorp Lebanon's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
First Bancorp Lebanon has a total score of 1/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is First Bancorp Lebanon's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of First Bancorp Lebanon's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from First Bancorp Lebanon Company Filings, last reported 5 months ago.

OTCPK:FBLV Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 198.17 88.87 177.08
2017-12-31 182.91 103.49 191.34
2016-12-31 171.70 73.91 194.45
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • First Bancorp Lebanon has an acceptable proportion of non-loan assets held.
  • First Bancorp Lebanon's liabilities are made up of primarily low risk sources of funding.
  • Loans at First Bancorp Lebanon are broadly funded by customer deposits.
  • First Bancorp Lebanon's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • First Bancorp Lebanon has a sufficient allowance for bad loans.
  • First Bancorp Lebanon has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess First Bancorp Lebanon's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. First Bancorp Lebanon has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is First Bancorp Lebanon's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
2.19%
Current annual income from First Bancorp Lebanon dividends.
If you bought $2,000 of First Bancorp Lebanon shares you are expected to receive $44 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • First Bancorp Lebanon's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.46%).
  • First Bancorp Lebanon's dividend is below the markets top 25% of dividend payers in United States of America (3.71%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
OTCPK:FBLV Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United States of America Banks Industry Average Dividend Yield Market Cap Weighted Average of 478 Stocks 2.9%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2011 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.5%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

OTCPK:FBLV Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-02-27 1.250 2.517

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • It is too early to tell whether First Bancorp Lebanon has stable dividend payments.
  • First Bancorp Lebanon only just started paying a dividend, it is too early to tell if payments are increasing.
Current Payout to shareholders
What portion of First Bancorp Lebanon's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (2.5x coverage).
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess First Bancorp Lebanon's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can First Bancorp Lebanon afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. First Bancorp Lebanon has a total score of 2/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of First Bancorp Lebanon's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
William Hayter
AGE 64
CEO Bio

Mr. William H. Hayter has been the President and Chief Executive Officer of The First Bank & Trust Company since 1988 and since 1981 respectively. Mr. Hayter has been employed with The First Bank & Trust Company since 1979. He was employed by The Federal Land Bank, Baltimore, Md. since 1976 until 1979. He serves as a Director of The First Bank & Trust Company. He has been a Director of Virginia Economic Development Partnership since June 15, 2017.

CEO Compensation
  • Insufficient data for William to compare compensation growth.
  • Insufficient data for William to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Management Team

William Hayter

TITLE
President
AGE
64

William Nelson

TITLE
CFO & Director

Raleigh Hayter

TITLE
Senior VP & Chief Credit Officer

Carrie Kiser

TITLE
Senior Vice President
TENURE
0.1 yrs

Ronald Barrett

TITLE
Secretary to the Board & Director

Rhonda Hensley

TITLE
VP of Operations
Board of Directors

A. Chafin

TITLE
Chairman of the Board

William Hayter

TITLE
President
AGE
64

David Leonard

TITLE
Vice Chairman of the Board

William Nelson

TITLE
CFO & Director

Ronald Barrett

TITLE
Secretary to the Board & Director

C. Yates

TITLE
Director
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
X
Management checks
We assess First Bancorp Lebanon's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. First Bancorp Lebanon has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

First Bancorp Inc., Lebanon operates as a bank holding company for The First Bank & Trust Company that provides various banking products and services in the United States. It offers checking accounts, money market accounts, savings, health savings, business, IOLTA, and individual retirement accounts, as well as certificates of deposit and teller remote deposits. The company’s lending products include residential construction, home equity, construction and recreational, agricultural, land, commercial and industrial, commercial real estate, municipal, business and industry, small business administration, home mortgage, and construction and renovation loans. It also provides retirement, life, and succession planning insurance products; financial planning, portfolio management, trust, brokerage, and long-term care planning services; convenience services; and credit card processing, cash management, payroll, and remote deposit capture services. The company operates through a network of 21 branches. First Bancorp Inc., Lebanon is headquartered in Lebanon, Virginia.

Details
Name: First Bancorp Inc., Lebanon
FBLV
Exchange: OTCPK
Founded:
$236,360,646
4,146,678
Website: http://www.firstbank.com
Address: First Bancorp Inc., Lebanon
359 West Main Street,
Lebanon,
Virginia, 24266,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
OTCPK FBLV Share Capital Pink Sheets LLC US USD 14. Mar 2007
Number of employees
Current staff
Staff numbers
0
First Bancorp Lebanon employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/06/17 00:29
End of day share price update: 2019/04/26 00:00
Last earnings filing: 2019/02/26
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.