FNLC
BULLISH
$29.89
Live
The First Bancorp, Inc. · NASDAQ
$22.11
52W Range
$30.33
At a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
AI-powered fundamental assessment
Confidence
85%
FNLC presents a compelling value opportunity, characterized by a stable Piotroski F-Score of 4/9 and significant undervaluation relative to its Graham Number ($42.15) and Intrinsic Value ($92.33). The company exhibits exceptional growth metrics, with YoY earnings growth of 41.10% and a P/E ratio (9.55) that is substantially lower than the sector average of 26.60. While the technical trend score is currently bearish, the fundamental profitability (ROE 12.84%) and a sustainable 4.95% dividend yield provide a strong margin of safety.
Key Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong earnings growth (41.10% YoY) and revenue growth (22.80% YoY)
Low P/E ratio (9.55) compared to the financial services sector average (26.60)
Healthy profitability metrics with an ROE of 12.84% and ROA of 1.09%
Attractive and sustainable dividend yield of 4.95% with a 59.61% payout ratio
Key Risks
Bearish technical trend score (10/100) suggesting short-term momentum headwinds
Piotroski F-Score of 4/9 indicates only stable, not strong, financial health
Lack of analyst coverage and target price guidance
Regional bank sector exposure to interest rate volatility
Neutral insider sentiment with no recent buying activity
AI Fair Value Estimate
Based on comprehensive analysis
$58.5
+95.7% above current price
Performance Snowflake
Multi-dimensional AI analysis across 5 key categories
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Historical Performance Trends
Long-term financial metrics and growth patterns
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability, Growth & Financial Health
Detailed profit margins, ROE, debt ratios, and liquidity metrics
Sector Comparison & Peer Analysis
Compare FNLC against industry averages and similar companies
Insider Trading & Analyst Ratings
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Past News Coverage
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