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Screener Weekly Summary Pricing

First Bancorp, Inc (ME) (FNLC) vs Waterstone Financial, Inc. (WSBF)

First Bancorp, Inc (ME) and Waterstone Financial, Inc. are both Banks Regional companies. First Bancorp, Inc (ME) and Waterstone Financial, Inc. are of similar size ($385.9M and $365.3M). First Bancorp, Inc (ME) trades at the lower P/E: 10.1× against 11.8×. Waterstone Financial, Inc. grew revenue faster over the last twelve months: 4.47% against 3.78%. First Bancorp, Inc (ME) has the higher net margin (21.1% vs 14.6%) and the higher return on invested capital (9.70% vs 7.61%). Both pay a dividend; First Bancorp, Inc (ME) yields more (5.84% vs 5.59%). Across the 20 metrics below, Waterstone Financial, Inc. leads on 11 and First Bancorp, Inc (ME) on 9.

Valuation

Metric FNLC WSBF Banks Regional median
P/E 10.07 11.79 12.15
P/S 2.13 1.69 2.37
P/B 1.30 0.99 1.21
Price to free cash flow 10.73 7.21 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.15 3.51 2.27
Earnings yield 9.93% 8.48% 8.11%
Free cash flow yield 9.32% 13.87% 8.98%

Profitability

Metric FNLC WSBF Banks Regional median
Gross margin 56.60% 72.71% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.12% 14.58% 18.66%
Free cash flow margin 19.89% 20.71% 21.18%
Return on equity 13.54% 8.69% 10.64%
Return on assets 1.18% 1.33% 1.13%
Return on invested capital 9.70% 7.61% 8.33%

Growth

Metric FNLC WSBF Banks Regional median
Revenue growth (TTM) 3.78% 4.47% 6.61%
EPS growth (last fiscal year) 26.34% 46.53% —
Revenue growth, 5-year CAGR 13.27% (9.00%) 12.30%
Net income growth, 5-year CAGR 4.86% (20.11%) 9.71%

Health

Metric FNLC WSBF Banks Regional median
Debt to equity 0.12 0.00 0.22
Current ratio 0.86 1.01 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FNLC WSBF Banks Regional median
Dividend yield 5.84% 5.59% 3.75%
Payout ratio 0.55 1.67 0.27

Size

Metric FNLC WSBF Banks Regional median
Market cap 385.86m 365.29m 921.07m

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