FIRST CAROL FIN (FCBM) vs First Bancorp, Inc (ME) (FNLC)

FIRST CAROL FIN and First Bancorp, Inc (ME) are both Banks Regional companies. FIRST CAROL FIN and First Bancorp, Inc (ME) are of similar size ($410.2M and $400.2M). Across the 5 metrics below, First Bancorp, Inc (ME) leads on 3 and FIRST CAROL FIN on 2.

Valuation

Metric FCBM FNLC Banks Regional median
P/E — 10.85 12.46
P/S n/m 2.30 2.41
P/B 0.75 1.40 1.26
Price to free cash flow n/m 11.56 11.00
EV/EBITDA n/m — —
EV/Sales n/m — —
Earnings yield — 9.21% 7.96%
Free cash flow yield 0.00% 8.65% 8.80%

Profitability

Metric FCBM FNLC Banks Regional median
Gross margin — 56.60% 69.75%
Operating margin — 0.00% 0.00%
Net margin — 21.12% 18.88%
Free cash flow margin — 19.89% 17.28%
Return on equity — 13.54% 10.43%
Return on assets — 1.18% 1.14%
Return on invested capital 0.00% 9.70% 8.47%

Growth

Metric FCBM FNLC Banks Regional median
Revenue growth (TTM) — 3.78% 6.94%
EPS growth (last fiscal year) — 26.34% 18.88%
Revenue growth, 5-year CAGR — 13.27% 12.56%
Net income growth, 5-year CAGR — 4.86% 9.78%

Health

Metric FCBM FNLC Banks Regional median
Debt to equity 0.15 0.12 0.20
Current ratio 0.98 0.86 0.94
Net debt to EBITDA — 0.00 0.00

Dividend

Metric FCBM FNLC Banks Regional median
Dividend yield — 4.05% 2.64%
Payout ratio — 0.45 0.32

Size

Metric FCBM FNLC Banks Regional median
Market cap 400.17m 410.23m 910.32m

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