FNLC
The First Bancorp·NASDAQ
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2.05 / 10
Underperform
FNLC's fundamental assessment is subpar, receiving a 2.0/10 quality score. Key concerns include a net profit ratio of 100.0% (group 2, score 1/3) and an Asset-MV value of -0.5033 (group 3, score 1), indicating potential asset quality issues. However, positive signals such as a Total profit YoY growth of 23.3978% (group 3, score 2/3) and a Gross profit margin of 36.6994% (group 1, score 3/3) provide some relief. The PB-ROE factor of -0.9525 (group 2, score 2) suggests the stock may be undervalued relative to peers with similar ROE, but overall, the fundamental picture remains selective and cautious.
Analysis Checks(5/10)
Net assets per share (growth rate compared to beginning of year %)
Value8.17
Score2/3
Weight8.22%
1M Return3.75%
Value8.17
Score2/3
Weight8.22%
1M Return3.75%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.54%
1M Return3.05%
Value100.00
Score1/3
Weight6.54%
1M Return3.05%
Profit-MV
Value1.52
Score1/3
Weight10.85%
1M Return4.44%
Value1.52
Score1/3
Weight10.85%
1M Return4.44%
PB-ROE
Value-0.95
Score2/3
Weight12.39%
1M Return5.42%
Value-0.95
Score2/3
Weight12.39%
1M Return5.42%
Asset-MV
Value-0.50
Score1/3
Weight15.51%
1M Return5.76%
Value-0.50
Score1/3
Weight15.51%
1M Return5.76%
Revenue-MV
Value0.16
Score1/3
Weight12.27%
1M Return4.65%
Value0.16
Score1/3
Weight12.27%
1M Return4.65%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.46%
1M Return3.43%
Value36.70
Score3/3
Weight7.46%
1M Return3.43%
Total profit (YoY growth rate %)
Value23.40
Score2/3
Weight8.38%
1M Return3.74%
Value23.40
Score2/3
Weight8.38%
1M Return3.74%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.46%
1M Return3.43%
Value100.00
Score3/3
Weight7.46%
1M Return3.43%
Cash-MV
Value0.14
Score1/3
Weight10.92%
1M Return4.21%
Value0.14
Score1/3
Weight10.92%
1M Return4.21%
Net assets per share (growth rate compared to beginning of year %)
Value8.17
Score2/3
Weight8.22%
1M Return3.75%
Value8.17
Score2/3
Weight8.22%
1M Return3.75%
Revenue-MV
Value0.16
Score1/3
Weight12.27%
1M Return4.65%
Value0.16
Score1/3
Weight12.27%
1M Return4.65%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.54%
1M Return3.05%
Value100.00
Score1/3
Weight6.54%
1M Return3.05%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.46%
1M Return3.43%
Value36.70
Score3/3
Weight7.46%
1M Return3.43%
Profit-MV
Value1.52
Score1/3
Weight10.85%
1M Return4.44%
Value1.52
Score1/3
Weight10.85%
1M Return4.44%
Total profit (YoY growth rate %)
Value23.40
Score2/3
Weight8.38%
1M Return3.74%
Value23.40
Score2/3
Weight8.38%
1M Return3.74%
PB-ROE
Value-0.95
Score2/3
Weight12.39%
1M Return5.42%
Value-0.95
Score2/3
Weight12.39%
1M Return5.42%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.46%
1M Return3.43%
Value100.00
Score3/3
Weight7.46%
1M Return3.43%
Asset-MV
Value-0.50
Score1/3
Weight15.51%
1M Return5.76%
Value-0.50
Score1/3
Weight15.51%
1M Return5.76%
Cash-MV
Value0.14
Score1/3
Weight10.92%
1M Return4.21%
Value0.14
Score1/3
Weight10.92%
1M Return4.21%
Is FNLC fundamentally strong?
- FNLC scores 2.05/10 on fundamentals and holds a Premium valuation at present. Backed by its 9.19% ROE, 34.67% net margin, 11.23 P/E ratio, 1.23 P/B ratio, and 19.25% earnings growth, these metrics solidify its Underperform investment rating.
