WallStSmart

First Bancorp Inc (FNLC)vsU.S. Bancorp (USB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

U.S. Bancorp generates 27549% more annual revenue ($27.32B vs $98.81M). FNLC leads profitability with a 38.3% profit margin vs 29.9%. FNLC trades at a lower P/E of 10.1x. USB earns a higher WallStSmart Score of 77/100 (B+).

FNLC

Buy

64

out of 100

Grade: C+

Growth: 7.3Profit: 7.5Value: 6.7Quality: 4.0
Piotroski: 4/9Altman Z: -0.66

USB

Strong Buy

77

out of 100

Grade: B+

Growth: 7.3Profit: 7.5Value: 5.7Quality: 4.5
Piotroski: 4/9Altman Z: -0.36

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FNLC4 strengths · Avg: 10.0/10
P/E RatioValuation
10.1x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Profit MarginProfitability
38.3%10/10

Keeps 38 of every $100 in revenue as profit

Operating MarginProfitability
48.7%10/10

Strong operational efficiency at 48.7%

USB6 strengths · Avg: 8.7/10
Operating MarginProfitability
39.7%10/10

Strong operational efficiency at 39.7%

Market CapQuality
$97.91B9/10

Large-cap with strong market position

Profit MarginProfitability
29.9%9/10

Keeps 30 of every $100 in revenue as profit

P/E RatioValuation
12.4x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

EPS GrowthGrowth
21.6%8/10

Earnings expanding 21.6% YoY

Areas to Watch

FNLC3 concerns · Avg: 2.3/10
Market CapQuality
$383.04M3/10

Smaller company, higher risk/reward

Free Cash FlowQuality
$-12.98M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.662/10

Distress zone — elevated risk

USB3 concerns · Avg: 3.0/10
PEG RatioValuation
1.884/10

Expensive relative to growth rate

Debt/EquityHealth
1.423/10

Elevated debt levels

Altman Z-ScoreHealth
-0.362/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : FNLC

The strongest argument for FNLC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 38.3% and operating margin at 48.7%. Revenue growth of 12.9% demonstrates continued momentum.

Bull Case : USB

The strongest argument for USB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 29.9% and operating margin at 39.7%. Revenue growth of 10.4% demonstrates continued momentum.

Bear Case : FNLC

The primary concerns for FNLC are Market Cap, Free Cash Flow, Altman Z-Score.

Bear Case : USB

The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.

Key Dynamics to Monitor

USB carries more volatility with a beta of 0.97 — expect wider price swings.

FNLC is growing revenue faster at 12.9% — sustainability is the question.

USB generates stronger free cash flow (4.8B), providing more financial flexibility.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

USB scores higher overall (77/100 vs 64/100), backed by strong 29.9% margins and 10.4% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

First Bancorp Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

First Bancorp, Inc. is the holding company of First National Bank offering a range of banking products and services to individual and corporate clients. The company is headquartered in Damariscotta, Maine.

U.S. Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.

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