First Bancorp (NASDAQ: FNLC) is one of 201 public companies in the “Commercial Banks” industry, but how does it contrast to its competitors? We will compare First Bancorp to similar businesses based on the strength of its valuation, dividends, profitability, earnings, analyst recommendations, risk and institutional ownership.

Valuation and Earnings

This table compares First Bancorp and its competitors top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
First Bancorp $73.38 million $19.59 million 14.93
First Bancorp Competitors $389.80 million $86.86 million 5.34

First Bancorp’s competitors have higher revenue and earnings than First Bancorp. First Bancorp is trading at a higher price-to-earnings ratio than its competitors, indicating that it is currently more expensive than other companies in its industry.

Profitability

This table compares First Bancorp and its competitors’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
First Bancorp 26.69% 11.04% 1.10%
First Bancorp Competitors 18.90% 8.72% 0.94%

Risk and Volatility

First Bancorp has a beta of 0.66, meaning that its share price is 34% less volatile than the S&P 500. Comparatively, First Bancorp’s competitors have a beta of 0.69, meaning that their average share price is 31% less volatile than the S&P 500.

Dividends

First Bancorp pays an annual dividend of $0.96 per share and has a dividend yield of 3.6%. First Bancorp pays out 53.0% of its earnings in the form of a dividend. As a group, “Commercial Banks” companies pay a dividend yield of 1.9% and pay out 37.6% of their earnings in the form of a dividend.

Analyst Ratings

This is a summary of recent ratings for First Bancorp and its competitors, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Bancorp 0 0 0 0 N/A
First Bancorp Competitors 557 3199 2577 91 2.34

As a group, “Commercial Banks” companies have a potential upside of 8.75%. Given First Bancorp’s competitors higher possible upside, analysts plainly believe First Bancorp has less favorable growth aspects than its competitors.

Institutional & Insider Ownership

32.0% of First Bancorp shares are held by institutional investors. Comparatively, 46.7% of shares of all “Commercial Banks” companies are held by institutional investors. 6.6% of First Bancorp shares are held by insiders. Comparatively, 11.8% of shares of all “Commercial Banks” companies are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Summary

First Bancorp competitors beat First Bancorp on 7 of the 12 factors compared.

First Bancorp Company Profile

The First Bancorp, Inc. is the bank holding company of First National Bank (the Bank). The Bank offers a range of financial services to individuals and companies in coastal Maine. The Company, through First Advisors, a division of the Bank, offers a range of private banking, financial planning, investment management and trust services to individuals, businesses, non-profit organizations and municipalities of various asset sizes. The Bank also offers automated teller machine (ATM) processing services. The Bank offers a range of loans, such as commercial loans, including real estate loans, construction loans and other loans; municipal loans; residential loans, including term loans and construction loans; home equity line of credit, and consumer loans. The Bank offers various deposits, such as demand deposits, negotiable order of withdrawal (NOW) accounts, money market accounts, savings and certificates of deposits.

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