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Market Price

26.22 

-0.71 -2.6%

as of Oct 23 '18

52 Week Range:

26.35 32.33


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

The First Bancorp, Inc. operates as the holding company for First National Bank that provides a range of banking products and services to individual and corporate customers. The company offers various deposit products, including demand, NOW, savings, money market, and certificates of deposit accounts. It also provides commercial loan products, such as mortgage loans to finance investments in real property comprising multi-family residential, commercial/retail, office, industrial, hotel, educational, and other specific or mixed use properties; loans to finance construction in owner- and non-owner occupied commercial real estate properties; and revolving and term loan obligations to business and corporate enterprises for the purpose of financing working capital or capital investment. In addition, the company offers municipal loans for capitalized expenditures, construction projects, or tax-anticipation notes; residential term loans that include amortizing home mortgages and construction loans, which include loans for owner-occupied residential construction; home equity loans and lines of credit; and consumer loans, which are amortizing loans to individuals collateralized by automobiles, pleasure crafts, and recreation vehicles, as well as unsecured short-term time notes. Further, it provides private banking, financial planning, investment management, and trust services to individuals, businesses, non-profit organizations, and municipalities. The First Bancorp, Inc. operates through 16 full-service banking offices in Lincoln, Knox, Hancock, Washington, and Penobscot 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.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 11.58
12.08
12.66
12.80
14.09
14.60
13.74
14.84
15.54
16.30
16.61
growth rate 4.3% 4.8% 1.1% 10.1% 3.6% -5.9% 8.0% 4.7% 4.9% 1.9%
Earnings BIT 18.37
19.66
17.59
16.19
16.16
16.06
16.39
23.61
26.31
29.25
30.25
growth rate 7.0% -10.5% -8.0% -0.2% -0.6% 2.1% 44.1% 11.4% 11.2% 3.4%
Avg.PE 10.94
13.76
12.63
14.31
13.48
12.79
14.14
12.29
12.56
17.66
15.85
growth rate 25.8% -8.2% 13.3% -5.8% -5.1% 10.6% -13.1% 2.2% 40.6% -10.3%
ROA 1.13
1.10
0.89
0.79
0.81
0.91
0.90
1.00
1.06
1.10
1.10
growth rate -2.7% -19.1% -11.2% 2.5% 12.4% -1.1% 11.1% 6.0% 3.8% 0.0%
ROE 11.91
12.21
9.88
8.67
8.46
8.98
8.94
9.56
9.85
10.59
11.07
growth rate 2.5% -19.1% -12.3% -2.4% 6.2% -0.5% 6.9% 3.0% 7.5% 4.5%
ROIC 11.60
9.30
6.80
5.27
5.70
5.51
5.36
5.41
growth rate -19.8% -26.9% -22.5% 8.2% -3.3% -2.7% 0.9%
Leverage 10.86
11.31
10.80
11.14
9.91
9.83
10.02
9.17
9.34
9.93
10.16
growth rate 4.1% -4.5% 3.2% -11.0% -0.8% 1.9% -8.5% 1.9% 6.3% 2.3%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 4.84
4.91
5.04
4.75
4.91
5.53
5.87
growth rate 1.6% 2.6% -5.8% 3.5% 12.6% 6.1%
Acct.Payable 1,024.82
1,043.19
1,242.96
1,418.88
growth rate 1.8% 19.2% 14.2%
Cur.Assets 25.15
25.11
26.14
29.29
growth rate -0.2% 4.1% 12.1%
Total Assets 1,325.70
1,331.40
1,393.80
1,372.87
1,415.00
1,463.96
1,482.13
1,564.81
1,712.88
1,842.93
growth rate 0.4% 4.7% -1.5% 3.1% 3.5% 1.2% 5.6% 9.5% 7.6%
Cash 16.90
15.30
13.90
438.42
465.98
508.15
13.06
14.30
17.37
16.55
growth rate -9.5% -9.2% 3,054.1% 6.3% 9.1% -97.4% 9.5% 21.5% -4.7%
Inventory 3.79
1.53
0.38
1.01
growth rate -59.5% -75.5% 169.9%
Cur.Liabilities 1,214.59
1,265.51
1,401.73
1,532.52
growth rate 4.2% 10.8% 9.3%
Liabilities 1,208.60
1,183.50
1,244.00
1,222.01
1,258.68
1,317.87
1,320.58
1,397.31
1,540.35
1,661.61
growth rate -2.1% 5.1% -1.8% 3.0% 4.7% 0.2% 5.8% 10.2% 7.9%
LT Debt 0.00
2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
90.14
115.13
120.13
115.12
growth rate 0.1% 0.1% 0.1% 0.1% 0.1% -95.5% 27.7% 4.3% -4.2%
Equity 112.45
117.20
147.90
149.80
150.86
156.32
146.10
161.55
167.50
172.52
181.32
growth rate 4.2% 26.2% 1.3% 0.7% 3.6% -6.5% 10.6% 3.7% 3.0% 5.1%
Common Shares 10.00
10.00
10.00
10.00
10.00
10.00
11.00
11.00
11.00
11.00
11.00
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 10.0% 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 2.11
0.80
3.00
2.00
1.22
1.73
2.36
1.91
0.93
2.13
2.53
growth rate -62.1% 275.0% -33.3% -38.9% 41.2% 36.9% -19.2% -51.4% 129.9% 18.7%
Cash Dividends 6.57
7.30
8.60
8.90
8.75
8.31
8.66
8.89
9.35
9.81
10.16
growth rate 11.1% 17.8% 3.5% -1.7% -5.0% 4.2% 2.7% 5.1% 4.9% 3.6%
Cash From OA 10.83
10.90
18.70
25.70
29.73
25.02
24.98
20.46
20.74
21.65
22.53
growth rate 0.7% 71.6% 37.4% 15.7% -15.8% -0.2% -18.1% 1.4% 4.4% 4.1%
FCF per Share 0.92
1.03
1.53
2.42
2.81
2.37
2.10
1.69
1.99
1.72
2.19
growth rate 12.0% 48.5% 58.2% 16.1% -15.7% -11.4% -19.5% 17.8% -13.6% 27.3%
Sale Purchase of Stock -12.07
0.50
-0.53
0.46
0.47
0.53
0.63
growth rate 100.0% -100.0% 100.0% 1.8% 14.2% 19.0%
FCF 9.00
10.00
15.00
24.00
29.00
23.00
23.00
19.00
20.00
20.00
20.00
growth rate 11.1% 50.0% 60.0% 20.8% -20.7% 0.0% -17.4% 5.3% 0.0% 0.0%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 41.98
47.30
56.40
49.70
67.45
63.10
62.02
49.50
51.62
53.85
57.85
growth rate 12.7% 19.2% -11.9% 35.7% -6.5% -1.7% -20.2% 4.3% 4.3% 7.4%
Op.Income 19.70
17.60
16.20
12.36
12.69
12.97
20.61
22.67
25.30
27.25
growth rate -10.7% -8.0% -23.7% 2.6% 2.2% 58.9% 10.0% 11.6% 7.7%
IBT 19.66
17.59
16.19
16.16
16.06
16.39
19.28
21.72
24.46
26.20
growth rate -10.5% -8.0% -0.2% -0.6% 2.1% 17.6% 12.7% 12.6% 7.1%
Net Income 14.00
13.00
12.10
12.36
12.69
12.97
14.71
16.21
18.01
19.59
growth rate -7.1% -6.9% 2.2% 2.6% 2.2% 13.5% 10.2% 11.1% 8.8%
EPS 1.34
1.44
1.22
1.10
1.14
1.22
1.20
1.37
1.51
1.66
1.81
growth rate 7.5% -15.3% -9.8% 3.6% 7.0% -1.6% 14.2% 10.2% 9.9% 9.0%
Gross Profit 49.50
51.62
53.85
57.85
growth rate 4.3% 4.3% 7.4%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Earnings BIT 7.77
7.77
7.41
growth rate 0.0% -4.7%
Balance Sheet Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Acct.Receivable 5.82
5.87
7.22
growth rate 0.8% 23.1%
Acct.Payable 1,350.05
1,418.88
1,428.19
1,416.65
1,514.91
growth rate 5.1% 0.7% -0.8% 6.9%
Cur.Assets 31.13
29.29
27.91
34.10
81.51
growth rate -5.9% -4.7% 22.2% 139.0%
Total Assets 1,781.70
1,842.93
1,871.82
1,913.96
1,981.85
growth rate 3.4% 1.6% 2.3% 3.6%
Cash 22.38
16.55
16.56
21.06
21.65
growth rate -26.0% 0.0% 27.2% 2.8%
Inventory 0.32
1.01
1.12
0.61
0.58
growth rate 216.3% 10.8% -45.7% -4.1%
Cur.Liabilities 1,469.26
1,532.52
1,557.30
1,648.99
1,514.91
growth rate 4.3% 1.6% 5.9% -8.1%
Liabilities 1,601.82
1,661.61
1,690.44
1,730.66
1,797.19
growth rate 3.7% 1.7% 2.4% 3.8%
LT Debt 115.12
115.12
115.12
65.12
265.27
growth rate 0.0% 0.0% -43.4% 307.4%
Equity 179.88
181.32
181.37
183.30
184.66
growth rate 0.8% 0.0% 1.1% 0.7%
Common Shares 0.11
0.11
0.11
0.11
0.11
growth rate 0.0% 0.0% 0.9% 0.0%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures 0.83
1.62
0.13
0.09
growth rate 93.7% -91.8% -35.6%
Cash Dividends 1.28
2.50
2.60
2.60
growth rate 94.8% 4.2% 0.0%
Cash From OA 8.82
4.52
10.89
7.35
growth rate -48.7% 140.7% -32.5%
Sale Purchase of Stock 0.15
0.16
0.16
growth rate 6.1% 0.6%
FCF 7.99
2.91
10.76
7.26
growth rate -63.6% 269.9% -32.5%
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 14.70
15.17
15.04
14.95
15.24
growth rate 3.2% -0.8% -0.6% 1.9%
Op.Income 6.95
7.13
6.75
7.12
7.37
growth rate 2.5% -5.2% 5.4% 3.5%
IBT 6.68
6.87
6.46
6.77
7.02
growth rate 2.8% -5.9% 4.8% 3.7%
Net Income 4.98
5.09
5.51
5.73
5.93
growth rate 2.1% 8.3% 4.1% 3.5%
EPS
growth rate
Gross Profit 14.70
15.17
15.04
14.95
15.24
growth rate 3.2% -0.8% -0.6% 1.9%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (33.68)

YOY Growth Grade:

E (31.59)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 13.71 13.31 11.71
EPS / Growth -4.6% 1.97 12.2%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 4.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 2.5% 2.5%
Future PE 2.00 10.14 10.14
Future EPS 2.18 2.52 2.52
Value Price
MOS %
1.08
-95.9%
6.32
-75.9%
6.32
-75.9%
MOS Price 0.54 3.16 3.16
IRT 12.44 11.38 11.38

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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