Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
The First Bancorp, Inc.'s quarterly P/E stands at 7.3x, down 30.9% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 15.9% YoY to 9.2x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 9.90 | 7.26 | 8.10 | 8.82 | 9.81 | 10.52 | 9.68 | 11.30 | 11.41 | 11.76 | 8.77 | 9.08 | 8.99 |
| — | -30.9% | -16.2% | -21.9% | -14.0% | -10.5% | +10.4% | +24.4% | +26.9% | +30.4% | +15.9% | +9.7% | +5.2% | |
| P/S Ratio | 1.93 | 1.63 | 1.62 | 1.62 | 1.62 | 1.75 | 1.73 | 1.70 | 1.76 | 2.02 | 1.75 | 1.92 | 2.21 |
| — | -7.1% | -6.3% | -4.7% | -8.2% | -13.1% | -1.5% | -11.7% | -20.1% | -24.8% | -33.8% | -41.0% | -34.1% | |
| P/B Ratio | 1.20 | 1.05 | 1.07 | 1.07 | 1.06 | 1.21 | 1.14 | 1.13 | 1.13 | 1.29 | 1.15 | 1.16 | 1.25 |
| — | -13.7% | -6.0% | -5.2% | -5.7% | -6.1% | -0.7% | -2.8% | -9.9% | -10.8% | -16.9% | -20.4% | -11.7% | |
| P/FCF | 9.90 | 0.00 | 5.84 | 9.82 | 83.47 | 7.34 | 7.59 | 10.93 | — | 7.59 | 7.55 | 6.24 | 15.84 |
| — | -99.9% | -23.1% | -10.1% | — | -3.3% | +0.6% | +75.1% | — | -21.8% | +30.4% | -17.2% | +36.2% | |
| EV / EBITDA | 11.98 | 9.17 | 8.78 | 10.82 | 11.86 | 10.91 | 10.06 | 13.91 | 12.86 | 10.09 | 7.18 | 9.39 | 8.39 |
| — | -15.9% | -12.8% | -22.2% | -7.8% | +8.2% | +40.2% | +48.1% | +53.3% | +15.1% | +11.7% | +15.3% | -3.4% | |
| EV / EBIT | 11.98 | 9.17 | 9.22 | 11.41 | 12.62 | 11.61 | 10.69 | 14.93 | 13.82 | 10.77 | 7.61 | 9.94 | 8.82 |
| — | -21.0% | -13.8% | -23.6% | -8.6% | +7.8% | +40.4% | +50.2% | +56.7% | +17.7% | +13.9% | +17.1% | -2.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
The First Bancorp, Inc.'s operating margin was 27.4% in Q4 2025, up 3.0 pp QoQ and up 7.5 pp YoY. This marks the 5th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 23.5% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 18.0% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 52.3% | 56.2% | 52.4% | 50.2% | 50.1% | 47.7% | 49.9% | 46.0% | 49.0% | 49.5% | 54.0% | 56.0% | 63.1% |
| — | +18.0% | +5.0% | +9.1% | +2.4% | -3.7% | -7.5% | -18.0% | -22.4% | -33.1% | -34.6% | -36.0% | -30.3% | |
| Operating Margin | 23.6% | 27.4% | 24.4% | 22.4% | 20.1% | 19.9% | 21.6% | 18.3% | 18.7% | 20.8% | 24.3% | 25.5% | 29.7% |
| — | +37.7% | +12.8% | +22.2% | +7.2% | -4.4% | -11.2% | -28.0% | -37.0% | -42.5% | -43.2% | -46.5% | -37.4% | |
| Net Margin | 19.4% | 22.4% | 20.0% | 18.3% | 16.6% | 16.7% | 17.9% | 15.2% | 15.5% | 17.2% | 20.1% | 21.1% | 24.5% |
| — | +34.2% | +11.9% | +21.0% | +7.0% | -2.8% | -11.3% | -28.1% | -36.9% | -42.3% | -42.8% | -46.2% | -37.4% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.8% | 3.6% | 3.4% | 3.1% | 2.8% | 2.9% | 3.0% | 2.5% | 2.5% | 2.8% | 3.3% | 3.2% | 3.5% |
| — | +27.6% | +11.4% | +21.2% | +11.5% | +0.6% | -7.3% | -21.1% | -28.9% | -30.6% | -27.7% | -25.9% | -13.9% | |
| ROA | 1.1% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.3% | 0.3% |
| — | +38.2% | +16.8% | +24.0% | +9.8% | +1.9% | -5.4% | -21.7% | -29.2% | -32.5% | -31.7% | -32.7% | -24.9% | |
| ROIC | 7.2% | 2.1% | 1.9% | 1.6% | 1.5% | 1.6% | 1.6% | 1.3% | 1.5% | 1.9% | 2.1% | 2.0% | 2.2% |
| — | +28.7% | +20.1% | +26.9% | -0.9% | -17.2% | -24.7% | -36.8% | -31.5% | -22.0% | -22.5% | -19.5% | -4.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
The First Bancorp, Inc.'s Debt/EBITDA ratio is 15.1x, up from 13.1x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 8.8% YoY to 0.11x, tightening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.66 | 0.66 | 0.56 | 0.74 | 0.71 | 0.58 | 0.59 | 0.94 | 0.64 | 0.29 | 0.37 | 0.49 | 0.37 |
| — | +14.5% | -5.3% | -21.6% | +11.9% | +102.2% | +60.6% | +91.0% | +73.8% | -36.6% | -32.0% | -11.2% | -35.8% | |
| Debt / EBITDA | 4.48 | 15.10 | 13.15 | 18.88 | 20.34 | 15.84 | 15.52 | 28.78 | 19.80 | 8.07 | 8.65 | 12.12 | 8.27 |
| — | -4.7% | -15.3% | -34.4% | +2.7% | +96.4% | +79.3% | +137.4% | +139.4% | -9.1% | -6.3% | +21.2% | -24.3% | |
| Current Ratio | 0.11 | 0.11 | 0.02 | 0.12 | 0.12 | 0.12 | 0.13 | 0.13 | 0.12 | 0.12 | 0.14 | 0.12 | 0.13 |
| — | -8.8% | -84.5% | -9.1% | -3.6% | -1.2% | -6.3% | +3.7% | -7.1% | -4.5% | -11.9% | -17.7% | -20.2% | |
| Quick Ratio | 0.11 | 0.11 | 0.02 | 0.12 | 0.12 | 0.12 | 0.13 | 0.13 | 0.12 | 0.12 | 0.14 | 0.12 | 0.13 |
| — | -8.8% | -84.5% | -9.1% | -3.6% | -1.2% | -6.3% | +3.7% | -7.1% | -4.5% | -11.9% | -17.7% | -20.2% | |
| Interest Coverage | 0.51 | 0.63 | 0.53 | 0.46 | 0.41 | 0.40 | 0.42 | 0.35 | 0.36 | 0.43 | 0.52 | 0.59 | 0.84 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 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 9.9x. The average P/E over the last 4 quarters is 8.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
The First Bancorp, Inc.'s current operating margin is 23.6%. Margins have been expanding 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.