Market Price

20.98 

0.47 2.3%

as of Sep 29 '20

52 Week Range:

17.62 30.64


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

The First Bancorp, Inc. operates as the holding company for First National Bank that provides a range of banking products and services to individual and corporate customers. The company offers various deposit products, including demand, NOW, savings, money market, and certificates of deposit accounts. It also provides commercial loan products, such as mortgage loans to finance investments in real property comprising multi-family residential, commercial/retail, office, industrial, hotel, educational, and other specific or mixed use properties; loans to finance construction of owner- and non-owner occupied commercial real estate properties; and revolving and term loan obligations to business and corporate enterprises for the purpose of financing working capital or capital investment. In addition, the company offers municipal loans for capitalized expenditures, construction projects, or tax-anticipation notes; residential term loans that include amortizing home mortgages and construction loans, which include loans for owner-occupied residential construction; home equity loans and lines of credit; and consumer loans, which are amortizing loans to individuals collateralized by automobiles, pleasure crafts, and recreation vehicles, as well as unsecured short-term time notes. Further, it provides private banking, financial planning, investment management, and trust services to individuals, businesses, non-profit organizations, and municipalities, as well as ATM processing services. The company operates through 16 full-service banking offices in Lincoln, Knox, Hancock, Washington, and Penobscot counties in the Mid-Coast, Eastern, and Down East regions of Maine. The company was formerly known as First National Lincoln Corporation and changed its name to The First Bancorp, Inc. in April 2008. The First Bancorp, Inc. was founded in 1864 and is based in Damariscotta, Maine.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 12.66
12.80
14.09
14.60
13.74
14.84
15.54
16.30
16.61
17.00
19.13
growth rate 1.1% 10.1% 3.6% -5.9% 8.0% 4.7% 4.9% 1.9% 2.4% 12.5%
Earnings BIT 17.59
16.19
16.16
16.06
16.39
23.61
26.31
29.25
30.25
growth rate -8.0% -0.2% -0.6% 2.1% 44.1% 11.4% 11.2% 3.4%
Avg.PE 12.63
14.31
13.48
12.79
14.14
12.29
12.56
17.66
15.85
12.34
12.14
growth rate 13.3% -5.8% -5.1% 10.6% -13.1% 2.2% 40.6% -10.3% -22.2% -1.6%
ROA 0.89
0.79
0.81
0.91
0.90
1.00
1.06
1.10
1.10
1.24
1.27
growth rate -11.2% 2.5% 12.4% -1.1% 11.1% 6.0% 3.8% 0.0% 12.7% 2.4%
ROE 9.88
8.67
8.46
8.98
8.94
9.56
9.85
10.59
11.07
12.62
12.63
growth rate -12.3% -2.4% 6.2% -0.5% 6.9% 3.0% 7.5% 4.5% 14.0% 0.1%
ROIC 6.80
5.27
5.70
5.51
5.36
5.41
growth rate -22.5% 8.2% -3.3% -2.7% 0.9%
Leverage 10.80
11.14
9.91
9.83
10.02
9.17
9.34
9.93
10.16
10.15
9.74
growth rate 3.2% -11.0% -0.8% 1.9% -8.5% 1.9% 6.3% 2.3% -0.1% -4.0%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 4.84
4.91
5.04
4.75
4.91
5.53
5.87
growth rate 1.6% 2.6% -5.8% 3.5% 12.6% 6.1%
Acct.Payable 1,024.82
1,043.19
1,242.96
1,418.88
1,527.09
1,650.47
growth rate 1.8% 19.2% 14.2% 7.6% 8.1%
Cur.Assets 25.15
25.11
26.14
29.29
40.35
35.11
growth rate -0.2% 4.1% 12.1% 37.8% -13.0%
Total Assets 1,331.40
1,393.80
1,372.87
1,415.00
1,463.96
1,482.13
1,564.81
1,712.88
1,842.93
1,944.57
2,068.80
growth rate 4.7% -1.5% 3.1% 3.5% 1.2% 5.6% 9.5% 7.6% 5.5% 6.4%
Cash 15.30
13.90
438.42
465.98
508.15
13.06
14.30
17.37
19.21
19.13
11.29
growth rate -9.2% 3,054.1% 6.3% 9.1% -97.4% 9.5% 21.5% 10.6% -0.4% -41.0%
Inventory 3.79
1.53
0.38
1.01
0.58
0.28
growth rate -59.5% -75.5% 169.9% -42.3% -52.2%
Cur.Liabilities 1,214.59
1,265.51
1,401.73
1,532.52
1,672.29
1,826.85
growth rate 4.2% 10.8% 9.3% 9.1% 9.2%
Liabilities 1,183.50
1,244.00
1,222.01
1,258.68
1,317.87
1,320.58
1,397.31
1,540.35
1,661.61
1,753.03
1,856.29
growth rate 5.1% -1.8% 3.0% 4.7% 0.2% 5.8% 10.2% 7.9% 5.5% 5.9%
LT Debt 2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
90.14
115.13
120.13
115.12
65.18
10.21
growth rate 0.1% 0.1% 0.1% 0.1% -95.5% 27.7% 4.3% -4.2% -43.4% -84.3%
Equity 147.90
149.80
150.86
156.32
146.10
161.55
167.50
172.52
181.32
191.54
212.51
growth rate 1.3% 0.7% 3.6% -6.5% 10.6% 3.7% 3.0% 5.1% 5.6% 11.0%
Common Shares 10.00
10.00
10.00
10.00
11.00
11.00
11.00
11.00
11.00
11.00
11.00
growth rate 0.0% 0.0% 0.0% 10.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 3.00
2.00
1.22
1.73
2.36
1.91
0.93
2.13
2.53
1.48
1.57
growth rate -33.3% -38.9% 41.2% 36.9% -19.2% -51.4% 129.9% 18.7% -41.3% 6.0%
Cash Dividends 8.60
8.90
8.75
8.31
8.66
8.89
9.35
9.81
10.16
12.05
12.96
growth rate 3.5% -1.7% -5.0% 4.2% 2.7% 5.1% 4.9% 3.6% 18.6% 7.6%
Cash From OA 18.70
25.70
29.73
25.02
24.98
20.46
20.74
21.19
22.27
33.84
26.05
growth rate 37.4% 15.7% -15.8% -0.2% -18.1% 1.4% 2.2% 5.1% 51.9% -23.0%
FCF per Share 1.53
2.42
2.81
2.37
2.10
1.69
1.99
1.72
2.19
2.47
2.02
growth rate 58.2% 16.1% -15.7% -11.4% -19.5% 17.8% -13.6% 27.3% 12.8% -18.2%
Sale Purchase of Stock -12.07
0.50
-0.53
0.46
0.47
0.53
0.63
growth rate 100.0% -100.0% 100.0% 1.8% 14.2% 19.0%
FCF 15.00
24.00
29.00
23.00
23.00
19.00
20.00
20.00
20.00
32.00
24.00
growth rate 60.0% 20.8% -20.7% 0.0% -17.4% 5.3% 0.0% 0.0% 60.0% -25.0%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 56.40
49.70
67.45
63.10
62.02
49.50
51.62
53.85
57.85
61.31
65.43
growth rate -11.9% 35.7% -6.5% -1.7% -20.2% 4.3% 4.3% 7.4% 6.0% 6.7%
Op.Income 17.60
16.20
12.36
12.69
12.97
20.61
22.67
25.30
27.25
29.11
30.74
growth rate -8.0% -23.7% 2.6% 2.2% 58.9% 10.0% 11.6% 7.7% 6.8% 5.6%
IBT 17.59
16.19
16.16
16.06
16.39
19.28
21.72
24.46
26.20
27.84
30.26
growth rate -8.0% -0.2% -0.6% 2.1% 17.6% 12.7% 12.6% 7.1% 6.3% 8.7%
Net Income 13.00
12.10
12.36
12.69
12.97
14.71
16.21
18.01
19.59
23.54
25.53
growth rate -6.9% 2.2% 2.6% 2.2% 13.5% 10.2% 11.1% 8.8% 20.2% 8.5%
EPS 1.22
1.10
1.14
1.22
1.20
1.37
1.51
1.66
1.81
2.17
2.34
growth rate -9.8% 3.6% 7.0% -1.6% 14.2% 10.2% 9.9% 9.0% 19.9% 7.8%
Gross Profit 49.50
51.62
53.85
57.85
61.31
65.43
growth rate 4.3% 4.3% 7.4% 6.0% 6.7%

Quarterly Statements

Item Name Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Earnings BIT
growth rate
Balance Sheet Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Acct.Receivable
growth rate
Acct.Payable 1,592.96
1,623.29
1,650.47
1,644.61
1,740.12
growth rate 1.9% 1.7% -0.4% 5.8%
Cur.Assets 29.80
49.05
35.11
40.97
growth rate 64.6% -28.4% 16.7%
Total Assets 1,998.70
2,033.23
2,068.80
2,136.40
2,267.12
growth rate 1.7% 1.8% 3.3% 6.1%
Cash 16.92
21.42
11.29
21.12
22.14
growth rate 26.6% -47.3% 87.1% 4.9%
Inventory 0.29
0.28
0.28
0.32
0.85
growth rate -3.5% 0.0% 13.3% 169.3%
Cur.Liabilities 1,765.90
1,796.41
1,826.85
1,840.83
growth rate 1.7% 1.7% 0.8%
Liabilities 1,794.11
1,824.74
1,856.29
1,921.14
2,050.54
growth rate 1.7% 1.7% 3.5% 6.7%
LT Debt 10.53
10.79
10.21
61.15
growth rate 2.4% -5.3% 498.6%
Equity 204.59
208.49
212.51
215.26
216.58
growth rate 1.9% 1.9% 1.3% 0.6%
Common Shares 0.11
0.11
0.11
0.11
0.11
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Capital Expenditures 0.06
0.74
0.61
0.39
growth rate 1,154.2% -17.2% -36.5%
Cash Dividends 3.16
3.27
3.39
3.28
growth rate 3.5% 3.7% -3.3%
Cash From OA 5.64
8.06
11.63
2.85
growth rate 42.8% 44.4% -75.5%
Sale Purchase of Stock
growth rate
FCF 5.58
7.32
11.02
2.46
growth rate 31.1% 50.6% -77.6%
Income Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Sales 16.31
16.51
16.95
18.74
growth rate 1.3% 2.7% 10.6%
Op.Income 7.82
7.48
7.96
7.88
growth rate -4.3% 6.4% -1.0%
IBT 7.58
7.47
7.95
7.70
7.83
growth rate -1.4% 6.4% -3.2% 1.7%
Net Income 6.40
6.29
6.69
6.50
6.57
growth rate -1.7% 6.3% -2.9% 1.1%
EPS
growth rate
Gross Profit 16.31
16.51
16.95
18.74
growth rate 1.3% 2.7% 10.6%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (44.34)

YOY Growth Grade:

E (30.37)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 8.83 8.78 11.71
EPS / Growth -4.6% 2.39 12.2%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 6.1%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 6.4% 6.4%
Future PE 2.00 11.14 11.14
Future EPS 2.64 4.46 4.46
Value Price
MOS %
1.31
-93.8%
12.28
-41.4%
12.28
-41.4%
MOS Price 0.65 6.14 6.14
IRT 8.37 6.82 6.82

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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