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First Bancorp, Inc (ME) (FNLC) vs Primis Financial Corp. (FRST)

First Bancorp, Inc (ME) and Primis Financial Corp. are both Banks Regional companies. First Bancorp, Inc (ME) and Primis Financial Corp. are of similar size ($382.9M and $381.4M). Primis Financial Corp. trades at the lower P/E: 7.2× against 10.1×. Primis Financial Corp. grew revenue faster over the last twelve months: 13.2% against 3.78%. First Bancorp, Inc (ME) has the higher net margin (21.1% vs 17.0%) and the lower return on invested capital (9.70% vs 13.0%). Only First Bancorp, Inc (ME) pays a dividend (4.36%). Across the 18 metrics below, Primis Financial Corp. leads on 12 and First Bancorp, Inc (ME) on 6.

Valuation

Metric FNLC FRST Banks Regional median
P/E 10.08 7.16 11.98
P/S 2.13 1.22 2.34
P/B 1.30 0.88 1.19
Price to free cash flow 10.74 n/m 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.92% 13.96% 8.23%
Free cash flow yield 9.32% (10.95%) 9.08%

Profitability

Metric FNLC FRST Banks Regional median
Gross margin 56.60% 71.45% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.12% 16.99% 18.66%
Free cash flow margin 19.89% (13.40%) 21.11%
Return on equity 13.54% 13.11% 10.65%
Return on assets 1.18% 1.29% 1.13%
Return on invested capital 9.70% 13.03% 8.35%

Growth

Metric FNLC FRST Banks Regional median
Revenue growth (TTM) 3.78% 13.18% 6.98%
EPS growth (last fiscal year) 26.34% 903.23% 18.88%
Revenue growth, 5-year CAGR 13.27% 18.77% 12.38%
Net income growth, 5-year CAGR 4.86% 21.74% 9.71%

Health

Metric FNLC FRST Banks Regional median
Debt to equity 0.12 0.16 0.22
Current ratio 0.86 1.02 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FNLC FRST Banks Regional median
Dividend yield 4.36% 0.00% 2.57%
Payout ratio 0.45 0.00 0.30

Size

Metric FNLC FRST Banks Regional median
Market cap 381.35m 382.90m 913.33m

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