First Bancorp vs First United
FNLC and FUNC side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How FNLC and FUNC compare
First Bancorp is the larger company, worth 1.4 times as much as First United ($416M against $299M).
On earnings, First Bancorp is cheaper: it trades at 10.5× trailing earnings, against 12.0× for First United.
First Bancorp grew revenue faster over the last twelve months (14.8% versus 11.4% for First United).
First Bancorp keeps more of each dollar of sales as profit, with a net margin of 37.8% compared with 26.8% at First United.
Both pay dividends: First Bancorp yields 4.1% and First United 2.3%.
First Bancorp scores higher on the StockData Score (17 against 13 for First United), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | FNLC | FUNC |
|---|---|---|
| Size and price | ||
| Market cap | $416M | $299M |
| Share price | $36.84 | $46.26 |
| Change, 1 year | 45.9% | 29.4% |
| Change, 5 years | 20.5% | 134% |
| Beta (5Y) | 0.50 | 0.68 |
| Employees | 283 | 343 |
| StockData Score | ||
| Total score | 17 (better) | 13 |
| Valuation score | 1 | 2 (better) |
| Growth score | 2 (better) | 1 |
| Performance score | 4 (better) | 3 |
| Health score | 5 (better) | 3 |
| Dividend score | 5 (better) | 4 |
| Valuation | ||
| P/E | 10.5× (better) | 12.0× |
| P/S | 4.0× | 3.2× (better) |
| P/B | 1.4× | 1.4× (better) |
| P/FCF | 12.8× | 11.5× (better) |
| PEG | – | 134.96 |
| FCF yield | 7.8% | 8.7% (better) |
| Fair value | $34.65 | $39.63 |
| Margin of safety | −6.3% (better) | −16.7% |
| Growth | ||
| Revenue growth (TTM) | 14.8% (better) | 11.4% |
| Revenue growth, 5Y average | 4.0% | 5.7% (better) |
| Net income growth (TTM) | 25.1% (better) | 5.5% |
| EPS growth (TTM) | 24.5% (better) | 6.0% |
| EPS growth, 5Y average | 4.4% | 13.9% (better) |
| Profitability | ||
| Net margin | 37.8% (better) | 26.8% |
| FCF margin | 31.2% (better) | 27.9% |
| Return on equity | 14.0% (better) | 12.4% |
| Financial health | ||
| Debt / equity | 0.26 (better) | 0.33 |
| Altman Z-score | 0.23 | 0.29 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 4.1% (better) | 2.3% |
| Payout ratio | 42.6% | 25.9% |
| Years of dividend growth | 8 (better) | 7 |
| Dividend growth, 5Y average | 3.6% | 13.0% (better) |
| Buyback yield | −0.16% | −0.12% (better) |
| Shareholder yield | 3.9% (better) | 2.2% |
| Ownership | ||
| Held by institutions | 45.6% | 49.5% |
| Held by insiders | 4.9% | 4.6% |
| Insider net buying, 12 months | −$140K (better) | −$503K |
| Short interest, % of float | 1.4% | 1.2% |
Go deeper
- FNLC stock overview
- FNLC income statement
- FNLC valuation and score
- FUNC stock overview
- FUNC income statement
- FUNC valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.