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Upturn AI SWOT - About
FNLC 
First Bancorp Inc (FNLC)
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Upturn Advisory Summary
08/14/2025: 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.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit -29.55% | Avg. Invested days 28 | 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 08/14/2025 |
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. was founded in 1948. It has grown organically and through acquisitions to become a leading financial institution in Puerto Rico, offering a range of banking and financial services.
Core Business Areas
- Commercial Banking: Offers a variety of loan and deposit products to businesses, including commercial real estate, construction, and working capital loans. Also provides cash management and treasury services.
- Retail Banking: Provides banking products and services to individual consumers, including checking and savings accounts, credit cards, personal loans, and mortgages.
- Wealth Management: Offers investment advisory and financial planning services to individuals and businesses.
- Mortgage Banking: Originates and services residential mortgage loans.
Leadership and Structure
Aurelio Alemu00e1n serves as the President and CEO. The company operates with a board of directors overseeing the strategic direction.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers diverse commercial loans including real estate, construction and working capital loans. Market share for First Bancorp in Puerto Rico is estimated at around 25% of the commercial lending market. Competitors include Popular, Inc. and OFG Bancorp.
- Mortgages: Provides a range of mortgage products for home purchases and refinancing. First Bancorp is a major player in Puerto Rico's mortgage market with approximately 20% market share. Competitors include Popular, Inc., Oriental Bank and other local lenders.
- Personal Loans and Credit Cards: Offers personal loans and credit cards to consumers. The market share is estimated around 15%. Competitors include Banco Popular, Capital One, Discover.
Market Dynamics
Industry Overview
The banking industry is currently influenced by interest rate fluctuations, regulatory changes, and technological advancements. Competition is intensifying as banks strive to attract and retain customers with innovative products and personalized service.
Positioning
First Bancorp Inc. is a leading financial institution in Puerto Rico, known for its strong local presence, diverse product offerings, and commitment to customer service. They have a strong retail and commercial presence in Puerto Rico and Florida
Total Addressable Market (TAM)
The total banking market in Puerto Rico is estimated to be worth several billion dollars, with further banking opportunities in the Florida region for First Bancorp, Inc. First Bancorp Inc. aims to continue as a leading provider in the region
Upturn SWOT Analysis
Strengths
- Strong local presence in Puerto Rico
- Diversified product offerings
- Experienced management team
- Strong capital base
- Established brand reputation
Weaknesses
- Geographic concentration in Puerto Rico, high exposure to local market conditions.
- Vulnerability to economic downturns in Puerto Rico.
- Potential impact from regulatory scrutiny.
- Competition with larger national banks
Opportunities
- Expansion into new markets (e.g., Florida)
- Strategic acquisitions to increase market share
- Technological innovation to enhance customer experience
- Growth in wealth management services
Threats
- Economic downturn in Puerto Rico
- Increased competition from other financial institutions
- Changes in regulations and compliance requirements
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BPPR
- OFG
- Popular Inc
Competitive Landscape
First Bancorp competes with national and regional banks in Puerto Rico. The banks' strength is a strong local presence and knowledge of the market. Disadvantages could include a smaller capital base compared to larger national competitors.
Major Acquisitions
Eastern Bancshares
- Year: 2007
- Acquisition Price (USD millions): 478
- Strategic Rationale: Expanded First Bancorp's presence in the Florida market.
Growth Trajectory and Initiatives
Historical Growth: Historically, First Bancorp has grown steadily through organic expansion and strategic acquisitions.
Future Projections: Analyst estimates suggest continued growth for First Bancorp, driven by expansion into new markets and improved economic conditions in Puerto Rico.
Recent Initiatives: Recent initiatives include investments in technology, expansion of wealth management services, and efforts to improve efficiency.
Summary
First Bancorp demonstrates strengths in its local market, product diversification, and capital position. Weakness include geographic concentration and vulnerability to Puerto Rico's economy. The growth potential lies in expansion and technology adoption. It is vital to monitor and mitigate potential threats such as economic conditions and increasing competition.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
- Financial websites
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market conditions are dynamic, and financial information is subject to change. Do your own due diligence.
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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