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FNLC vs JPM

FNLC
The First Bancorp, Inc.
BULLISH
Price
$28.69
Market Cap
$323.3M
Sector
Financial Services
AI Confidence
75%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
FNLC
9.6
JPM
15.68
Forward P/E
FNLC
--
JPM
13.42
P/B Ratio
FNLC
1.14
JPM
2.47
P/S Ratio
FNLC
3.48
JPM
5.03
EV/EBITDA
FNLC
--
JPM
--

Profitability

Gross Margin
FNLC
0.0%
JPM
0.0%
Operating Margin
FNLC
51.14%
JPM
41.06%
Profit Margin
FNLC
37.04%
JPM
33.91%
ROE
FNLC
12.84%
JPM
16.13%
ROA
FNLC
1.09%
JPM
1.35%

Growth

Revenue Growth
FNLC
22.8%
JPM
2.5%
Earnings Growth
FNLC
41.1%
JPM
-3.6%

Financial Health

Debt/Equity
FNLC
--
JPM
--
Current Ratio
FNLC
--
JPM
--
Quick Ratio
FNLC
--
JPM
--

Dividends

Dividend Yield
FNLC
5.0%
JPM
1.91%
Payout Ratio
FNLC
59.61%
JPM
28.97%

AI Verdict

FNLC BULLISH

FNLC presents a compelling value opportunity, trading significantly below its Graham Number ($41.20) and Intrinsic Value ($88.21). While the Piotroski F-Score of 4/9 indicates stable but not strong financial health, the company exhibits robust growth with YoY earnings increasing by 41.10%. The 5% dividend yield is well-supported by a sustainable payout ratio of 59.61%. Despite a severely bearish technical trend, the fundamental valuation and growth metrics suggest a strong margin of safety.

Strengths
Deep valuation discount relative to Graham Number and Intrinsic Value
Strong earnings growth (41.10% YoY) and revenue growth (22.80% YoY)
Attractive and sustainable dividend yield of 5.00%
Risks
Extremely bearish technical trend (10/100) indicating strong selling pressure
Small market capitalization ($0.32B) leading to higher volatility and liquidity risk
Average Piotroski F-Score (4/9) suggests room for improvement in operational efficiency
JPM NEUTRAL

JPM exhibits a concerning Piotroski F-Score of 2/9, indicating weak short-term fundamental health, and currently trades at a significant premium to both its Graham Number ($239.11) and Intrinsic Value ($140.07). While the company maintains a strong ROE of 16.13% and dominant market positioning, negative YoY earnings growth (-3.60%) and bearish insider activity from the CEO and CFO signal internal caution. The stock's current price of $313.68 suggests the market is pricing in a growth premium that is not currently supported by the deterministic health or value metrics.

Strengths
Strong profitability with a 33.91% profit margin
Robust Return on Equity (ROE) of 16.13%
Conservative dividend payout ratio of 28.97%
Risks
Very low Piotroski F-Score (2/9) suggesting deteriorating financial health
Significant overvaluation relative to Intrinsic Value ($140.07)
Negative Year-over-Year earnings growth (-3.60%)

Compare Another Pair

FNLC vs JPM: Head-to-Head Comparison

This page compares The First Bancorp, Inc. (FNLC) and JPMorgan Chase & Co. (JPM) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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