First Bancorp, Inc /ME/ (FNLC)
National Commercial Banks · Financial Services · $341M
Intrinsic Value (Consensus)
$80.03
Current Price
$30.25
Margin of Safety
+164.6%
164.6% Below Intrinsic Value
Value: $80
Price: $30
Valuation Model Estimates
Current Price: $30.25
DCF (Discounted Cash Flow)
$143.93
Graham Number
$41.66
Earnings Power Value
$29.81
Relative Value (P/E)
$61.40
Dividend Discount Model
$123.33
Consensus Value
$80.03
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
72
Profitability
18/25
Strength
22/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Strong earnings growth (20% YoY)
High free cash flow yield (10.1%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $3.07
- EPS (Forward)
- $3.68
- Book Value
- $25.12
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 12.1%
- Debt/Equity
- 34%
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.6%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance