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

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Southern California Bancorp (San Diego)

First Financial Corp. (Indiana)

Capital Bancorp, Inc. (Maryland)

Alerus Financial Corp.

Banco Latinoamericano de Comercio Exterior SA

Esquire Financial Holdings, Inc.

The First Bancorp, Inc. (Maine)

Arrow Financial Corp.

Farmers National Banc Corp.

The First of Long Island Corp.

American National Bankshares, Inc. (Virginia)

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

Positive results in Jun 25

NII(Q) Highest at USD 18.41 MM
DIVIDEND PER SHARE(HY) Highest at USD 0
CASH AND EQV(HY) Highest at USD 53.79 MM

With ROA of 0.61%, it has a very attractive valuation with a 1.05 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 -11.75%, its profits have risen by 1.9% ; the PEG ratio of the company is 6.8
At the current price, the company has a high dividend yield of 582.8

High Institutional Holdings at 44.45%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Consistent Underperformance against the benchmark over the last 3 years

Along with generating -11.75% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods

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)

-9.39%

0.45

26.84%

S&P 500

12.66%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

14.54%

EBIT Growth (5y)

5.63%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

58.90%

Pledged Shares

Institutional Holding

44.45%

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

1.05

EV to EBIT

13.70

EV to EBITDA

12.76

EV to Capital Employed

1.04

EV to Sales

2.74

PEG Ratio

6.81

Dividend Yield

582.84%

ROCE (Latest)

7.56%

ROE (Latest)

10.82%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Mildly Bullish

RSI

No Signal

Bollinger Bands

Sideways

Bullish

Moving Averages

Bullish (Daily)

KST

Bearish

Dow Theory

Mildly Bullish

No Trend

OBV

No Trend

Mildly Bearish

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

13What is working for the Company

NII(Q)

Highest at USD 18.41 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

CASH AND EQV(HY)

Highest at USD 53.79 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 88.49%

NET SALES(Q)

Highest at USD 39.83 MM

OPERATING PROFIT(Q)

Highest at USD 9.85 MM

PRE-TAX PROFIT(Q)

Highest at USD 9.85 MM

NET PROFIT(Q)

Highest at USD 8.06 MM

-3What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 23.31 MM

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

NII

Highest at USD 18.41 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

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)

Net Sales

Highest at USD 39.83 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 9.85 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Pre-Tax Profit

Highest at USD 9.85 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 8.06 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Cash and Eqv

Highest at USD 53.79 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Credit Deposit Ratio

Highest at 88.49%

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 12.15%

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 23.31 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)