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FNLC 
First Bancorp Inc (FNLC)
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Upturn Advisory Summary
12/26/2025: FNLC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -30.47% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/26/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 283.98M USD | Price to earnings Ratio 10.06 | 1Y Target Price - |
Price to earnings Ratio 10.06 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.53 | 52 Weeks Range 22.02 - 30.18 | Updated Date 06/29/2025 |
52 Weeks Range 22.02 - 30.18 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 5.84% | Basic EPS (TTM) 2.52 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 34.22% | Operating Margin (TTM) 43.28% |
Management Effectiveness
Return on Assets (TTM) 0.91% | Return on Equity (TTM) 11.19% |
Valuation
Trailing PE 10.06 | Forward PE - | Enterprise Value 441704640 | Price to Sales(TTM) 3.46 |
Enterprise Value 441704640 | Price to Sales(TTM) 3.46 | ||
Enterprise Value to Revenue 5.62 | Enterprise Value to EBITDA - | Shares Outstanding 11202300 | Shares Floating 9765056 |
Shares Outstanding 11202300 | Shares Floating 9765056 | ||
Percent Insiders 4.78 | Percent Institutions 50.57 |
Upturn AI SWOT
First Bancorp Inc
Company Overview
History and Background
First Bancorp Inc. (NYSE: FBP) is a bank holding company headquartered in San Juan, Puerto Rico. Founded in 1948, it has grown to become one of the largest financial institutions in Puerto Rico and the U.S. Virgin Islands. The company has undergone several strategic initiatives and expansions throughout its history, including acquisitions and the development of new financial products and services to meet the evolving needs of its customer base.
Core Business Areas
- Commercial Banking: Provides a wide range of banking and financial services to commercial clients, including business loans, lines of credit, treasury management, and international trade finance.
- Retail Banking: Offers consumer banking products and services such as checking and savings accounts, mortgages, auto loans, personal loans, and credit cards to individuals.
- Wealth Management: Provides investment, trust, and estate planning services to individuals and businesses, aiming to help clients manage and grow their assets.
- Insurance Services: Offers various insurance products through its subsidiaries, including property and casualty insurance, life insurance, and annuities.
Leadership and Structure
First Bancorp Inc. is led by a Board of Directors and a senior management team responsible for overseeing the company's operations and strategic direction. The organizational structure is typical of a financial institution, with distinct divisions for commercial banking, retail banking, wealth management, and other supporting functions. Specific leadership roles and names can be found in the company's annual reports and investor relations materials.
Top Products and Market Share
Key Offerings
- Commercial Loans: Includes term loans, revolving credit facilities, and SBA loans. Market share data is often segment-specific and not publicly detailed for individual products. Competitors include Banco Popular de Puerto Rico, Santander Puerto Rico, and regional credit unions.
- Retail Deposits (Checking & Savings): Core deposit products forming the base of customer relationships. Market share is significant within its operating regions, competing with major local and international banks. Competitors include Banco Popular de Puerto Rico, Santander Puerto Rico, and Caribbean Federal Credit Union.
- Mortgage Lending: Offers a variety of residential mortgage products. Market share in this segment is influenced by local housing market conditions. Competitors include Banco Popular de Puerto Rico, Oriental Bank, and various mortgage brokers.
- Credit Cards: Provides a range of credit card products to consumers and businesses. Competitors include major credit card issuers and other banks offering co-branded or general-purpose cards.
Market Dynamics
Industry Overview
First Bancorp Inc. operates within the banking and financial services industry, primarily in Puerto Rico and the U.S. Virgin Islands. The industry is characterized by intense competition, regulatory oversight, evolving consumer preferences towards digital banking, and sensitivity to economic conditions in its operating regions. Factors such as interest rates, economic growth, and government policies significantly impact its performance.
Positioning
First Bancorp Inc. is a leading financial institution in its primary markets, leveraging its established brand, extensive branch network, and deep understanding of the local economic landscape. Its competitive advantages include a strong customer base, diversified product offerings, and a focus on community engagement. However, it faces challenges from larger national and international banks with greater resources and technological capabilities.
Total Addressable Market (TAM)
The TAM for First Bancorp Inc. is primarily the financial services market in Puerto Rico and the U.S. Virgin Islands. This market is substantial, encompassing deposits, loans, investments, and insurance for individuals and businesses. First Bancorp holds a significant portion of this TAM due to its established presence and comprehensive service offerings, but the market is also served by other strong financial institutions.
Upturn SWOT Analysis
Strengths
- Strong brand recognition and customer loyalty in Puerto Rico and U.S. Virgin Islands.
- Extensive branch network providing physical access and community presence.
- Diversified revenue streams from commercial, retail, wealth, and insurance segments.
- Deep understanding of local market dynamics and regulatory environment.
- Solid capital position and regulatory compliance.
Weaknesses
- Geographic concentration in a limited market, making it susceptible to regional economic downturns.
- Competition from larger, more technologically advanced national and international banks.
- Potential for legacy systems to hinder rapid digital transformation.
- Reliance on a relatively mature economic environment.
Opportunities
- Expansion of digital banking services and mobile applications to attract younger demographics and enhance customer convenience.
- Leveraging technology to improve operational efficiency and reduce costs.
- Targeting underserved segments of the market with tailored financial products.
- Strategic partnerships or acquisitions to broaden service offerings or geographic reach.
- Growth in specific sectors of the Puerto Rican economy that could drive demand for financial services.
Threats
- Economic instability or recession in Puerto Rico and the U.S. Virgin Islands.
- Increased regulatory scrutiny and compliance costs.
- Cybersecurity risks and data breaches.
- Interest rate volatility impacting net interest margins.
- Intensifying competition from fintech companies and neobanks.
Competitors and Market Share
Key Competitors
- Banco Popular de Puerto Rico (BPPR)
- Santander Bank, Puerto Rico
- Oriental Bank
- Firstbank Puerto Rico (This is First Bancorp Inc. itself, assuming the request implies other significant banks)
- Caribbean Federal Credit Union
Competitive Landscape
First Bancorp Inc. holds a significant position in its primary markets, but faces robust competition from larger, well-established institutions. Its advantages lie in its deep local roots and customer relationships. However, competitors with larger balance sheets and broader technological resources pose a constant challenge. Differentiation often comes through specialized product offerings and customer service.
Major Acquisitions
Caribbean Federal Bancorp, Inc. (Parent of Caribbean Federal Savings Bank)
- Year: 2014
- Acquisition Price (USD millions):
- Strategic Rationale: The acquisition expanded First Bancorp's presence in the U.S. Virgin Islands and strengthened its retail and commercial banking operations in that market.
Growth Trajectory and Initiatives
Historical Growth: Historically, First Bancorp Inc.'s growth has been influenced by economic conditions in Puerto Rico, strategic acquisitions, and organic growth within its core markets. Performance has seen periods of expansion and contraction tied to regional economic cycles.
Future Projections: Future growth projections for First Bancorp Inc. are typically based on analyst estimates, which consider economic forecasts for Puerto Rico, interest rate trends, and the company's strategic initiatives. Projections often focus on earnings growth and loan portfolio expansion.
Recent Initiatives: Recent initiatives likely include enhancing digital banking capabilities, optimizing operational efficiency, managing credit risk, and potentially pursuing strategic partnerships or selective acquisitions to support growth and diversification.
Summary
First Bancorp Inc. is a well-established financial institution with a strong regional presence in Puerto Rico and the U.S. Virgin Islands. Its diversified business model and deep local market understanding are key strengths. However, its geographic concentration exposes it to regional economic risks, and it faces intense competition from larger banks. Continued investment in digital transformation and prudent risk management will be crucial for its sustained success and growth in the evolving financial landscape.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company's official website (Investor Relations)
- SEC Filings (10-K, 10-Q)
- Reputable financial data providers (e.g., Yahoo Finance, Bloomberg, Refinitiv)
- Industry analysis reports
Disclaimers:
This JSON output is generated for informational purposes only and should not be considered financial advice. Data accuracy is dependent on the sources used, and market conditions are subject to rapid change. Investors should conduct their own due diligence and consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Bancorp Inc
Exchange NASDAQ | Headquaters Damariscotta, ME, United States | ||
IPO Launch date 1999-07-15 | President, CEO & Director Mr. Tony C. McKim | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 284 | Website https://www.thefirst.com |
Full time employees 284 | Website https://www.thefirst.com | ||
The First Bancorp, Inc. operates as the bank holding company for First National Bank that provides a range of banking products and services to individual and corporate customers. The company accepts various deposit products, including demand, NOW, time, savings, money market, and certificates of deposit accounts. It also provides commercial loans, such as mortgage loans to finance investments in real property, which includes retail spaces, offices, industrial buildings, hotels, educational facilities, and other specific or mixed use properties; commercial real estate non-owner occupied loans; commercial construction to finance construction in a mix of owner- and nonowner occupied commercial real estate properties; and commercial and industrial loans, including revolving and term loans for financing working capital and/or capital investment. In addition, the company offers commercial multifamily loans; residential real estate term and construction loans; loans to municipalities in Maine for capitalized expenditures, construction projects, or tax anticipation notes; home equity revolving and term loans; and personal lines of credit and amortizing loans for various purposes, such as autos, recreational vehicles, debt consolidation, personal expenses, or overdraft protection. Further, it offers private banking, financial planning, investment management, and trust services to individuals, businesses, non-profit organizations, and municipalities, as well as brokerage, annuity, and various insurance products. The company operates through full-service banking offices in Lincoln, Knox, Waldo, Penobscot, Hancock, and Washington 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.
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