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Upturn AI SWOT - About
FNLC 
First Bancorp Inc (FNLC)
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Upturn Advisory Summary
06/27/2025: FNLC (1-star) is currently NOT-A-BUY. Pass it for now.
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
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Year Target Price $
Year Target Price $
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -31.66% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/27/2025 |
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 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First Bancorp Inc
Company Overview
History and Background
First Bancorp Inc. (FBI) was established in 1948 and evolved from a savings bank to a full-service financial institution. Based in Southern Pines, North Carolina, they've grown through organic expansion and strategic acquisitions.
Core Business Areas
- Community Banking: Provides a range of banking services to individuals and businesses, including checking and savings accounts, loans, and other financial products.
- Wealth Management: Offers wealth management, trust, and investment services to individuals and families.
- Mortgage Services: Offers residential mortgage lending to their customers.
Leadership and Structure
The leadership team is comprised of experienced banking professionals. The organizational structure is typical of a regional bank holding company.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offer business loans to companies. No data on specific market share, but operates in a competitive market with numerous national and regional banks as competitors.
- Residential Mortgages: Provide mortgage financing to consumers. Market share varies by region and competes with large national lenders and smaller local institutions.
- Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. Competitive pricing and customer service drive acquisition. Competitors include national and regional banks.
Market Dynamics
Industry Overview
The banking industry is currently influenced by interest rate fluctuations, regulatory changes, and technological advancements. Competition is intense.
Positioning
First Bancorp Inc. is a regional bank focusing on community banking and wealth management. Its competitive advantage lies in its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for community banking and wealth management in the regions First Bancorp Inc. operates in is estimated to be in the billions of dollars. The bank is well-positioned to capture a portion of this market through its branch network and online services.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Diversified product offerings
- Solid asset quality
Weaknesses
- Limited geographic footprint
- Lower brand recognition compared to national banks
- Susceptible to regional economic downturns
- Dependence on net interest income
Opportunities
- Acquisitions of smaller banks
- Expansion into new markets
- Increased adoption of digital banking
- Growth in wealth management services
Threats
- Rising interest rates
- Increased competition from online lenders
- Regulatory changes
- Economic recession
Competitors and Market Share
Key Competitors
- Truist Financial Corp (TFC)
- Bank of America (BAC)
- PNC Financial Services Group (PNC)
Competitive Landscape
FBI competes with larger national and regional banks, as well as smaller community banks. It focuses on customer service and local market expertise.
Major Acquisitions
Select Bank & Trust
- Year: 2020
- Acquisition Price (USD millions): 314
- Strategic Rationale: Expanded market presence in North Carolina and South Carolina.
Growth Trajectory and Initiatives
Historical Growth: FBI has demonstrated steady growth through acquisitions and organic expansion.
Future Projections: Analysts anticipate continued growth in line with industry trends.
Recent Initiatives: Focus on digital banking, wealth management services, and strategic acquisitions.
Summary
First Bancorp Inc. is a solid regional bank with a strong local presence. While the bank benefits from a diversified product portfolio and experienced management, it faces threats from larger competitors and economic fluctuations. Strategic acquisitions and digital banking initiatives will be crucial for future growth. Focus on efficiency and customer relations can enhance performance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice.
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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