Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.38 | 8.77 | 10.24 | 8.76 | 7.26 | 8.10 | 8.82 | 9.81 | 10.52 | 9.68 | 11.30 | 11.41 | 11.76 | 8.77 | 9.08 | 8.99 | 9.02 | 7.57 | 8.28 | 8.55 | 9.02 |
| — | +8.3% | +16.1% | -10.7% | -30.9% | -16.2% | -21.9% | -14.0% | -10.5% | +10.4% | +24.4% | +26.9% | +30.4% | +15.9% | +9.7% | +5.2% | -0.1% | -14.8% | -10.1% | -5.1% | -9.1% | |
| P/S Ratio | 4.11 | 3.41 | 3.79 | 3.81 | 2.87 | 3.00 | 3.15 | 3.17 | 3.45 | 3.57 | 3.59 | 3.65 | 3.94 | 3.28 | 3.41 | 3.40 | 3.55 | 3.16 | 3.65 | 3.63 | 3.83 |
| — | +13.6% | +20.2% | +20.1% | -16.8% | -15.9% | -12.2% | -13.1% | -12.4% | +8.8% | +5.5% | +7.2% | +10.7% | +4.0% | -6.6% | -6.2% | -7.2% | -15.7% | -7.0% | -4.1% | +11.7% | |
| P/B Ratio | 1.44 | 1.30 | 1.34 | 1.10 | 1.05 | 1.07 | 1.07 | 1.06 | 1.21 | 1.14 | 1.13 | 1.13 | 1.29 | 1.15 | 1.16 | 1.25 | 1.45 | 1.38 | 1.46 | 1.42 | 1.40 |
| — | +21.2% | +24.8% | +3.2% | -13.7% | -6.0% | -5.2% | -5.7% | -6.1% | -0.7% | -2.8% | -9.9% | -10.8% | -16.9% | -20.4% | -11.7% | +3.3% | +3.0% | +5.6% | +1.1% | +13.4% | |
| P/FCF | 0.02 | 0.01 | — | 3.54 | 5.32 | 5.84 | 9.82 | 83.47 | 7.34 | 7.59 | 10.93 | — | 7.59 | 7.55 | 6.24 | 15.84 | 9.71 | 5.79 | 7.54 | 11.63 | 7.75 |
| — | -99.9% | — | -95.8% | -27.6% | -23.1% | -10.1% | — | -3.3% | +0.6% | +75.1% | — | -21.8% | +30.4% | -17.2% | +36.2% | +25.4% | -7.6% | +23.6% | +129.3% | -26.4% | |
| EV / EBITDA | 8.85 | 3.79 | 11.95 | 17.40 | 8.70 | 8.78 | 10.82 | 11.86 | 10.91 | 10.06 | 13.91 | 12.86 | 10.09 | 7.18 | 9.39 | 8.39 | 8.77 | 6.43 | 8.14 | 8.68 | 8.13 |
| — | -56.8% | +10.4% | +46.7% | -20.3% | -12.8% | -22.2% | -7.8% | +8.2% | +40.2% | +48.1% | +53.3% | +15.1% | +11.7% | +15.3% | -3.4% | +7.8% | -32.1% | -24.9% | -7.9% | -37.2% | |
| EV / EBIT | 13.51 | 3.79 | 12.50 | 18.88 | 9.09 | 9.22 | 11.41 | 12.62 | 11.61 | 10.69 | 14.93 | 13.82 | 10.77 | 7.61 | 9.94 | 8.82 | 9.15 | 6.69 | 8.48 | 9.04 | 8.48 |
| — | -58.9% | +9.6% | +49.5% | -21.7% | -13.8% | -23.6% | -8.6% | +7.8% | +40.4% | +50.2% | +56.7% | +17.7% | +13.9% | +17.1% | -2.5% | +7.9% | -32.4% | -25.4% | -8.4% | -38.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 98.0% | 96.4% | 96.4% | 100.0% | 98.9% | 97.1% | 97.8% | 98.2% | 93.7% | 103.1% | 97.3% | 101.4% | 96.6% | 101.0% | 99.3% | 97.4% | 98.1% | 98.3% | 98.0% | 98.0% | 108.7% |
| — | -0.7% | -1.5% | +1.8% | +5.6% | -5.8% | +0.5% | -3.1% | -3.0% | +2.1% | -2.0% | +4.1% | -1.5% | +2.7% | +1.3% | -0.7% | -9.8% | +0.8% | +0.6% | +0.5% | +17.4% | |
| Operating Margin | 44.3% | 47.1% | 44.6% | 31.2% | 48.1% | 45.2% | 43.7% | 39.3% | 39.1% | 44.6% | 38.8% | 38.7% | 40.5% | 45.5% | 45.1% | 45.8% | 47.9% | 51.1% | 53.4% | 51.4% | 51.6% |
| — | +4.4% | +2.0% | -20.6% | +23.3% | +1.2% | +12.6% | +1.4% | -3.7% | -2.0% | -13.9% | -15.5% | -15.3% | -10.9% | -15.4% | -10.9% | -7.1% | +0.0% | +3.8% | +1.1% | +26.0% | |
| Net Margin | 36.3% | 38.8% | 37.0% | 43.5% | 39.4% | 37.0% | 35.8% | 32.5% | 32.8% | 36.9% | 32.1% | 32.1% | 33.5% | 37.7% | 37.4% | 37.9% | 39.4% | 41.9% | 43.9% | 42.5% | 42.4% |
| — | +4.9% | +3.5% | +33.9% | +20.1% | +0.4% | +11.5% | +1.2% | -2.1% | -2.1% | -14.1% | -15.3% | -15.1% | -10.1% | -14.8% | -10.8% | -7.1% | -0.6% | +3.1% | +0.8% | +22.8% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.8% | 3.7% | 3.3% | 3.2% | 3.6% | 3.4% | 3.1% | 2.8% | 2.9% | 3.0% | 2.5% | 2.5% | 2.8% | 3.3% | 3.2% | 3.5% | 4.1% | 4.5% | 4.3% | 4.0% | 3.9% |
| — | +9.2% | +7.4% | +14.2% | +27.6% | +11.4% | +21.2% | +11.5% | +0.6% | -7.3% | -21.1% | -28.9% | -30.6% | -27.7% | -25.9% | -13.9% | +4.0% | +18.3% | +14.0% | +2.6% | +25.3% | |
| ROA | 1.1% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.4% | 0.4% | 0.4% | 0.4% |
| — | +16.2% | +18.0% | +26.6% | +38.2% | +16.8% | +24.0% | +9.8% | +1.9% | -5.4% | -21.7% | -29.2% | -32.5% | -31.7% | -32.7% | -24.9% | -11.0% | +3.9% | +7.4% | +2.8% | +26.2% | |
| ROIC | 7.2% | 2.1% | 1.7% | 1.0% | 2.1% | 1.9% | 1.6% | 1.5% | 1.6% | 1.6% | 1.3% | 1.5% | 1.9% | 2.1% | 2.0% | 2.2% | 2.5% | 2.7% | 2.5% | 2.4% | 2.0% |
| — | +10.6% | +7.0% | -33.3% | +28.7% | +20.1% | +26.9% | -0.9% | -17.2% | -24.7% | -36.8% | -31.5% | -22.0% | -22.5% | -19.5% | -4.6% | +22.6% | +52.0% | +46.1% | +37.4% | +62.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.66 | 0.50 | 0.73 | 0.68 | 0.66 | 0.56 | 0.74 | 0.71 | 0.58 | 0.59 | 0.94 | 0.64 | 0.29 | 0.37 | 0.49 | 0.37 | 0.45 | 0.54 | 0.56 | 0.57 | 0.56 |
| — | -9.8% | -1.1% | -4.4% | +14.5% | -5.3% | -21.6% | +11.9% | +102.2% | +60.6% | +91.0% | +73.8% | -36.6% | -32.0% | -11.2% | -35.8% | -18.6% | -44.9% | -43.1% | -43.1% | -52.6% | |
| Debt / EBITDA | 4.25 | 4.54 | 17.77 | 27.96 | 14.44 | 13.15 | 18.88 | 20.34 | 15.84 | 15.52 | 28.78 | 19.80 | 8.07 | 8.65 | 12.12 | 8.27 | 8.88 | 9.24 | 10.00 | 10.92 | 11.27 |
| — | -65.5% | -5.9% | +37.5% | -8.9% | -15.3% | -34.4% | +2.7% | +96.4% | +79.3% | +137.4% | +139.4% | -9.1% | -6.3% | +21.2% | -24.3% | -21.2% | -54.7% | -51.4% | -46.3% | -62.1% | |
| Current Ratio | 0.11 | 0.23 | 0.02 | 0.43 | 0.11 | 0.02 | 0.12 | 0.12 | 0.12 | 0.13 | 0.13 | 0.12 | 0.12 | 0.14 | 0.12 | 0.13 | 0.13 | 0.15 | 0.15 | 0.16 | 0.19 |
| — | +1089.9% | -85.3% | +268.2% | -7.6% | -84.5% | -9.1% | -3.6% | -1.2% | -6.3% | +3.7% | -7.1% | -4.5% | -11.9% | -17.7% | -20.2% | -31.4% | -22.0% | -16.8% | -19.6% | -4.6% | |
| Quick Ratio | 0.11 | 0.23 | 0.02 | 0.43 | 0.11 | 0.02 | 0.12 | 0.12 | 0.12 | 0.13 | 0.13 | 0.12 | 0.12 | 0.14 | 0.12 | 0.13 | 0.13 | 0.15 | 0.15 | 0.16 | 0.19 |
| — | +1089.9% | -85.3% | +268.2% | -7.6% | -84.5% | -9.1% | -3.6% | -1.2% | -6.3% | +3.7% | -7.1% | -4.5% | -11.9% | -17.7% | -20.2% | -31.4% | -22.0% | -16.8% | -19.6% | -4.6% | |
| Interest Coverage | 0.51 | 1.68 | 0.62 | 0.35 | 0.63 | 0.53 | 0.46 | 0.41 | 0.40 | 0.42 | 0.35 | 0.36 | 0.43 | 0.52 | 0.59 | 0.84 | 1.47 | 2.66 | 4.45 | 6.14 | 5.04 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying FNLC stock.
The First Bancorp, Inc.'s current P/E is 10.4x. The average P/E over the last 4 quarters is 8.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
The First Bancorp, Inc.'s current operating margin is 44.3%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking The First Bancorp, Inc.'s business trajectory between earnings reports.