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First Bancorp Inc

NAS:FNLCFinancial ServicesCBOEFTSE:MRUTNASDAQ:BANK

——At close · Market cap — · Next earnings Wed 21 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	75.5%	89.2%	83.1%	55.3%	48.2%	52.3%	—	—
Operating margin	33.9%	45.5%	43.1%	24.9%	19.7%	23.6%	23.6%	+0.0 pts
Net margin	28.5%	37.6%	35.5%	20.6%	16.3%	19.4%	19.4%	+0.0 pts
EBITDA margin	36.2%	47.6%	44.9%	26.3%	21.0%	24.9%	—	—
Return on equity	12.1%	14.8%	17.0%	12.1%	10.7%	12.1%	12.1%	+0.0 pts
Return on assets	1.1%	1.4%	1.4%	1.0%	0.9%	1.1%	1.1%	+0.0 pts
Return on capital employed	10.4%	13.6%	18.4%	12.9%	8.6%	10.2%	—	—
Debt / equity	1.2×	0.6×	0.5×	0.3×	0.6×	0.7×	0.7×	+0.0%
Debt / assets	11.1%	5.4%	3.8%	2.4%	4.6%	5.9%	—	—
Interest coverage	1.9×	4.1×	2.8×	0.6×	0.4×	0.5×	—	—
Current ratio	0.2×	0.2×	0.1×	0.1×	0.1×	0.1×	0.1×	+0.0%
Quick ratio	0.2×	0.2×	0.1×	0.1×	0.1×	0.1×	—	—
Cash ratio	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.0×	0.1×	0.1×	—	—
Receivables turnover	10.2×	12.8×	11.2×	12.1×	11.8×	12.5×	—	—
Dividend payout	49.1%	38.5%	37.9%	52.2%	58.4%	47.5%	—	—