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Upturn AI SWOT - About
FNLC 
First Bancorp Inc (FNLC)
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Upturn Advisory Summary
09/15/2025: 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 -27.42% | 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 09/15/2025 |
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 1910 and is headquartered in Southern Pines, North Carolina. Initially known as the Bank of Pinehurst, it evolved through acquisitions and organic growth, becoming a prominent regional banking institution in the Carolinas.
Core Business Areas
- Commercial Banking: Offers a range of lending products including commercial loans, real estate loans, and equipment financing. Provides deposit accounts, cash management services, and other banking solutions for businesses.
- Retail Banking: Provides personal checking and savings accounts, mortgage loans, consumer loans, and credit cards. Operates a network of branches and ATMs across the region.
- Wealth Management: Offers investment advisory services, trust services, and financial planning to individuals and families.
Leadership and Structure
The company is led by a board of directors and an executive management team. Richard H. Moore serves as CEO. Organizational structure includes regional presidents overseeing local market operations and functional leaders responsible for key business areas.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides financing solutions for businesses, including term loans, lines of credit, and real estate loans. Captures a portion of the commercial lending market in the Carolinas. Competitors include larger national and regional banks like Truist and Bank of America.
- Mortgage Loans: Offers mortgage products to individuals and families for home purchases and refinancing. Competes with mortgage lenders like Wells Fargo and smaller local credit unions. No specific market share data is available, but it is a significant contributor to revenue.
Market Dynamics
Industry Overview
The banking industry is currently facing increasing regulatory scrutiny, rising interest rates, and technological disruption. Competition is intense, with both traditional banks and fintech companies vying for market share.
Positioning
First Bancorp Inc. positions itself as a community-focused bank with a strong regional presence. Its competitive advantages include its local market knowledge, customer relationships, and personalized service.
Total Addressable Market (TAM)
The total addressable market for banking services in the Carolinas is estimated to be in the billions of dollars. First Bancorp Inc. is well-positioned to capture a significant share of this market with its strong regional presence and diverse product offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Diversified product offerings
- Customer-centric approach
Weaknesses
- Smaller size compared to national banks
- Limited geographic reach
- Dependence on the Carolinas region
- Vulnerability to regional economic downturns
Opportunities
- Expansion into new markets
- Acquisition of smaller banks
- Increased adoption of digital banking
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic recession
- Regulatory changes
Competitors and Market Share
Key Competitors
- TRU
- BAC
- CMA
Competitive Landscape
First Bancorp Inc. competes with larger national banks and smaller regional banks. Its strengths include its local market knowledge and customer relationships. Its weaknesses include its smaller size and limited geographic reach.
Major Acquisitions
GrandSouth Bancorporation
- Year: 2022
- Acquisition Price (USD millions): 183.4
- Strategic Rationale: Expanded market presence in South Carolina and enhanced commercial banking capabilities.
Growth Trajectory and Initiatives
Historical Growth: Discuss First Bancorp Inc's growth trends over the past years based on up-to-date financial sources
Future Projections: Future Projections must be retrieved from up-to-date financial sources and based on analyst estimates
Recent Initiatives: Discuss recent strategic initiatives undertaken by First Bancorp Inc based on up-to-date financial sources
Summary
First Bancorp Inc. is a regional bank with a strong presence in the Carolinas. It benefits from a customer-centric approach and a diversified product offering. The bank should focus on managing competition, interest rate risks and expanding geographically while capitalizing on digital banking opportunities. It should look out for any signs of a recession. The firm has recently expanded into South Carolina with the GrandSouth Bancorporation acquisition.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise.
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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