The First Bancorp (FNLC) Fundamental Analysis: Revenue, Earnings & Valuation

3.90 / 10

Netural

Fundamental quality scores 3.9/10, deemed concerning. Strengths include Asset‑MV, gross profit margin and PB‑ROE, while cash‑related metrics (Cash‑MV, Cash‑UP) lag. Overall neutral rating reflects limited upside and highlights liquidity constraints.

Analysis Checks(6/10)

Gross profit margin (%)

Value41.83

Score3/3

Weight7.29%

1M Return3.70%

Current liabilities / Total liabilities (%)

Value48.71

Score3/3

Weight7.29%

1M Return3.70%

Profit-MV

Value1.45

Score1/3

Weight8.63%

1M Return3.90%

Net income-Revenue

Value0.77

Score1/3

Weight12.09%

1M Return5.19%

PB-ROE

Value-0.97

Score3/3

Weight17.25%

1M Return7.21%

Non-current liabilities / Total liabilities (%)

Value53.45

Score3/3

Weight7.29%

1M Return3.70%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight7.29%

1M Return3.70%

Cash-UP

Value-0.20

Score1/3

Weight7.09%

1M Return3.24%

Asset-MV

Value-0.55

Score2/3

Weight16.38%

1M Return6.73%

Cash-MV

Value0.25

Score1/3

Weight9.40%

1M Return4.31%

Is FNLC undervalued or overvalued?

FNLC scores 3.90/10 on fundamentals and holds a Fair valuation at present. Backed by its 12.84% ROE, 36.31% net margin, 9.08 P/E ratio, 1.10 P/B ratio, and 26.53% earnings growth, these metrics solidify its Netural investment rating.