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First Bancorp, Inc (ME) (FNLC) vs RBB Bancorp (RBB)

First Bancorp, Inc (ME) and RBB Bancorp are both Banks Regional companies. First Bancorp, Inc (ME) and RBB Bancorp are of similar size ($432.5M and $412.9M). First Bancorp, Inc (ME) trades at the lower P/E: 10.3× against 10.5×. RBB Bancorp grew revenue faster over the last twelve months: 3.04% against 2.52%. First Bancorp, Inc (ME) has the higher net margin (21.9% vs 17.3%) and the higher return on invested capital (9.23% vs 6.37%). Both pay a dividend; First Bancorp, Inc (ME) yields more (4.11% vs 2.49%). Across the 19 metrics below, First Bancorp, Inc (ME) leads on 12 and RBB Bancorp on 7.

Valuation

Metric FNLC RBB Banks Regional median
P/E 10.27 10.49 12.02
P/S 2.25 1.81 2.36
P/B 1.41 0.82 1.23
Price to free cash flow 12.56 8.02 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.73% 9.53% 8.21%
Free cash flow yield 7.96% 12.46% 9.23%

Profitability

Metric FNLC RBB Banks Regional median
Gross margin 57.93% 54.87% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.89% 17.26% 18.82%
Free cash flow margin 19.33% 23.01% 17.97%
Return on equity 14.00% 7.93% 10.28%
Return on assets 1.22% 1.00% 1.13%
Return on invested capital 9.23% 6.37% 8.45%

Growth

Metric FNLC RBB Banks Regional median
Revenue growth (TTM) 2.52% 3.04% 6.37%
EPS growth (last fiscal year) 26.34% 24.49% 18.85%
Revenue growth, 5-year CAGR 13.27% 9.22% 12.65%
Net income growth, 5-year CAGR 4.86% (0.60%) 9.81%

Health

Metric FNLC RBB Banks Regional median
Debt to equity 0.24 0.55 0.17
Current ratio 0.00 1.07 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FNLC RBB Banks Regional median
Dividend yield 4.11% 2.49% 2.49%
Payout ratio 0.43 0.26 0.29

Size

Metric FNLC RBB Banks Regional median
Market cap 412.94m 432.45m 934.85m

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