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FNLC vs MA

FNLC
The First Bancorp, Inc.
BULLISH
Price
$28.69
Market Cap
$323.3M
Sector
Financial Services
AI Confidence
75%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
FNLC
9.6
MA
30.28
Forward P/E
FNLC
--
MA
22.05
P/B Ratio
FNLC
1.14
MA
57.74
P/S Ratio
FNLC
3.48
MA
13.6
EV/EBITDA
FNLC
--
MA
22.13

Profitability

Gross Margin
FNLC
0.0%
MA
100.0%
Operating Margin
FNLC
51.14%
MA
57.73%
Profit Margin
FNLC
37.04%
MA
45.65%
ROE
FNLC
12.84%
MA
209.91%
ROA
FNLC
1.09%
MA
23.72%

Growth

Revenue Growth
FNLC
22.8%
MA
17.6%
Earnings Growth
FNLC
41.1%
MA
24.2%

Financial Health

Debt/Equity
FNLC
--
MA
2.56
Current Ratio
FNLC
--
MA
1.03
Quick Ratio
FNLC
--
MA
0.68

Dividends

Dividend Yield
FNLC
5.0%
MA
0.7%
Payout Ratio
FNLC
59.61%
MA
18.4%

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
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

FNLC vs MA: Head-to-Head Comparison

This page compares The First Bancorp, Inc. (FNLC) and Mastercard Incorporated (MA) 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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