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FNLC vs SSSS

FNLC
The First Bancorp, Inc.
BULLISH
Price
$28.69
Market Cap
$323.3M
Sector
Financial Services
AI Confidence
75%
SSSS
SuRo Capital Corp.
NEUTRAL
Price
$13.29
Market Cap
$337.4M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
FNLC
9.6
SSSS
7.47
Forward P/E
FNLC
--
SSSS
-18.46
P/B Ratio
FNLC
1.14
SSSS
1.64
P/S Ratio
FNLC
3.48
SSSS
200.09
EV/EBITDA
FNLC
--
SSSS
--

Profitability

Gross Margin
FNLC
0.0%
SSSS
100.0%
Operating Margin
FNLC
51.14%
SSSS
-779.25%
Profit Margin
FNLC
37.04%
SSSS
2894.41%
ROE
FNLC
12.84%
SSSS
26.9%
ROA
FNLC
1.09%
SSSS
-2.86%

Growth

Revenue Growth
FNLC
22.8%
SSSS
-54.4%
Earnings Growth
FNLC
41.1%
SSSS
--

Financial Health

Debt/Equity
FNLC
--
SSSS
0.34
Current Ratio
FNLC
--
SSSS
69.34
Quick Ratio
FNLC
--
SSSS
69.26

Dividends

Dividend Yield
FNLC
5.0%
SSSS
3.76%
Payout Ratio
FNLC
59.61%
SSSS
28.09%

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
SSSS NEUTRAL

SuRo Capital Corp. presents a stark divergence between price momentum and fundamental health. While the stock has seen an extraordinary 1-year return of 214%, the deterministic health indicators are weak, highlighted by a Piotroski F-Score of 3/9. The company is experiencing a severe collapse in revenue growth (-54.4% YoY and -491.4% Q/Q) and deeply negative operating margins, despite a low trailing P/E. The valuation remains supported by the Graham Number ($18.0), but the negative forward P/E suggests a deteriorating earnings outlook.

Strengths
Strong 1-year price appreciation (+214%)
Low trailing P/E ratio (7.47) relative to sector average
Low Debt/Equity ratio (0.34) indicating manageable leverage
Risks
Weak financial health as indicated by Piotroski F-Score (3/9)
Catastrophic decline in quarterly revenue growth (-491.41%)
Severe operational inefficiency with an operating margin of -779.25%

Compare Another Pair

FNLC vs SSSS: Head-to-Head Comparison

This page compares The First Bancorp, Inc. (FNLC) and SuRo Capital Corp. (SSSS) 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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