FNLC PEER ANALYSIS

First Bancorp Inc — metric-by-metric comparison with peers and the industry median

FNLCFirst Bancorp Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

FNLCIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	FNLC	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
P/E	10.48	15.93	—	2.96●	9.10	13.24	12.88
P/B	1.33	4.06	32,231.62	0.71●	1.40	1.39	1.28
EV/EBITDA	13.32	-9.01●	428,450.45	2.20	-8.48	14.73	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	FNLC	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
Current Ratio	0.43●	—	—	—	0.25	0.12	0.31
Debt/Equity	68.3%	0.0%●	0.0%●	0.0%●	17.0%	209.8%	38.0%
NetDebt/EBITDA	4.15	-20.34	-28.33●	-0.47	-14.68	5.39	-0.58

Profitability
Metric	FNLC	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
Net Margin	20.9%	24.7%	28.1%	54.9%●	20.1%	25.9%	20.6%
ROE	13.3%	28.9%●	20.2%	27.4%	14.9%	10.6%	10.9%
ROA	1.1%	1.1%	1.8%	3.7%●	0.8%	0.5%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	FNLC	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	29.2%	—	71.8%●	-1.3%	16.0%	16.2%	19.4%
Div. Yield	4.2%	—	—	—	4.8%●	3.2%	2.5%
Payout	45.4%	—	—	—	—	—	31.4%

Valuation
Metric	FNLC	PKBK	FRST	MVBF	PCB	USCB	Ind. Median
P/E	10.48	9.35	8.44●	13.23	10.10	13.43	12.88
P/B	1.33	1.17	0.91●	1.13	1.03	1.67	1.28
EV/EBITDA	13.32	7.77	11.03	10.41	4.62	2.87●	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	FNLC	PKBK	FRST	MVBF	PCB	USCB	Ind. Median
Current Ratio	0.43	0.07	0.11	5.97●	0.68	1.01	0.31
Debt/Equity	68.3%	45.7%	88.5%	17.5%	17.2%●	41.4%	38.0%
NetDebt/EBITDA	4.15	0.74	5.37	1.20	-2.09	-6.92●	-0.58

Profitability
Metric	FNLC	PKBK	FRST	MVBF	PCB	USCB	Ind. Median
Net Margin	20.9%	28.1%●	15.8%	14.3%	19.0%	19.8%	20.6%
ROE	13.3%●	13.0%	11.5%	8.9%	10.1%	12.4%	10.9%
ROA	1.1%	1.9%●	1.2%	0.9%	1.2%	1.0%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	FNLC	PKBK	FRST	MVBF	PCB	USCB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	29.2%	43.6%	171.0%●	48.8%	39.9%	0.3%	19.4%
Div. Yield	4.2%●	2.1%	2.4%	2.3%	2.8%	2.0%	2.5%
Payout	45.4%	20.2%	21.6%	30.4%	29.9%	29.2%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.