FNLC Valuation

First Bancorp Inc

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26.000

+0.17(0.658%)1D

Overview
Forecast
Valuation
Earnings

FNLC Relative Valuation

FNLC's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, FNLC is overvalued; if below, it's undervalued.

Historical Valuation

First Bancorp Inc (FNLC) is now in the Fair zone, suggesting that its current forward PE ratio of 18.61 is considered Fairly compared with the five-year average of 19.40. The fair price of First Bancorp Inc (FNLC) is between 21.64 to 26.24 according to relative valuation methord.

Relative Value

Fair Zone

21.64-26.24

Current Price：25.83

Fair

18.61

Trailing

Forward

0.00

EV/EBITDA

First Bancorp Inc. (FNLC) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

First Bancorp Inc. (FNLC) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

5.61

First Bancorp Inc. (FNLC) has a current PS of 5.61. The 5-year average PS is 5.72. The thresholds are as follows: Strongly Undervalued below 4.52, Undervalued between 4.52 and 5.12, Fairly Valued between 6.32 and 5.12, Overvalued between 6.32 and 6.91, and Strongly Overvalued above 6.91. The current Forward PS of 5.61 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

First Bancorp Inc. (FNLC) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

First Bancorp Inc. (FNLC) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

First Bancorp Inc (FNLC) has a current Price-to-Book (P/B) ratio of 1.09. Compared to its 3-year average P/B ratio of 1.21 , the current P/B ratio is approximately -9.83% higher. Relative to its 5-year average P/B ratio of 1.26, the current P/B ratio is about -13.70% higher. First Bancorp Inc (FNLC) has a Forward Free Cash Flow (FCF) yield of approximately 9.62%. Compared to its 3-year average FCF yield of 10.43%, the current FCF yield is approximately -7.71% lower. Relative to its 5-year average FCF yield of 11.05% , the current FCF yield is about -12.88% lower.

1.09

P/B

Median3y

1.21

Median5y

1.26

9.62

FCF Yield

Median3y

10.43

Median5y

11.05

Competitors Valuation Multiple

The average P/S ratio for FNLC's competitors is 1.83, providing a benchmark for relative valuation. First Bancorp Inc Corp (FNLC) exhibits a P/S ratio of 5.61, which is 206.04% above the industry average. Given its robust revenue growth of 18.39%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Northeast Community Bancorp Inc

Blue Ridge Bankshares Inc

Old Point Financial Corp

National Bankshares Inc

Loss

25.52%

180.16M

Performance Decomposition

Market capitalization of FNLC decreased by 7.39% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 18.22M to 21.57M.

The secondary factor is the Margin Expansion, contributed 10.36%to the performance.

Overall, the performance of FNLC in the past 1 year is driven by Revenue Growth. Which is more sustainable.

18.39%

18.22M → 21.57M

Revenue Growth

10.36%

33.87 → 37.38

Margin Expansion

-36.14%

15.09 → 9.64

P/E Change

-7.39%