The First Bancorp, Inc. (Maine) (FNLC) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Southern California Bancorp (San Diego)

Arrow Financial Corp.

Banco Latinoamericano de Comercio Exterior SA

Esquire Financial Holdings, Inc.

Capital Bancorp, Inc. (Maryland)

The First Bancorp, Inc. (Maine)

First Financial Corp. (Indiana)

Farmers National Banc Corp.

The First of Long Island Corp.

American National Bankshares, Inc. (Virginia)

Alerus Financial Corp.

Why is The First Bancorp, Inc. (Maine) ?

With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25

NII(Q) Highest at USD 21.11 MM
ROCE(HY) Highest at 1.09%
DIVIDEND PER SHARE(HY) Highest at USD 0

With ROA of 0.75%, it has a very attractive valuation with a 1.10 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 10.58%, its profits have risen by 27.1% ; the PEG ratio of the company is 0.3
At the current price, the company has a high dividend yield of 130.7

High Institutional Holdings at 46.15%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 1.37% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to The First Bancorp, Inc. (Maine) should be less than 10%
Overall Portfolio exposure to Major Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is The First Bancorp, Inc. (Maine) for you?

Low Risk, Medium Return

Absolute

Risk Adjusted

Volatility

The First Bancorp, Inc. (Maine)

10.85%

0.73

27.90%

S&P 500

13.68%

0.71

19.28%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

15.75%

EBIT Growth (5y)

8.47%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

47.88%

Pledged Shares

Institutional Holding

46.15%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.10

EV to EBIT

11.10

EV to EBITDA

10.67

EV to Capital Employed

1.07

EV to Sales

2.87

PEG Ratio

0.34

Dividend Yield

130.73%

ROCE (Latest)

9.61%

ROE (Latest)

12.15%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Bullish

Dow Theory

Mildly Bullish

OBV

No Trend

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

14What is working for the Company

NII(Q)

Highest at USD 21.11 MM

ROCE(HY)

Highest at 1.09%

DIVIDEND PER SHARE(HY)

Highest at USD 0

OPERATING PROFIT(Q)

Highest at USD 12.44 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 89.84%

OPERATING PROFIT MARGIN(Q)

Highest at 30.55 %

PRE-TAX PROFIT(Q)

Highest at USD 12.44 MM

NET PROFIT(Q)

Highest at USD 10.17 MM

EPS(Q)

Highest at USD 0.91

-5What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 22.62 MM

ROCE(HY)

Lowest at 1.09%

Here's what is working for The First Bancorp, Inc. (Maine)

NII

Highest at USD 21.11 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Operating Profit

Highest at USD 12.44 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Operating Profit trend is quite positive

Operating Profit (USD MM)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Operating Profit Margin

Highest at 30.55 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 12.44 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 10.17 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.91

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Credit Deposit Ratio

Highest at 89.84%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

CASA

Highest at 12.81%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for The First Bancorp, Inc. (Maine)

Operating Cash Flow

Lowest at USD 22.62 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)