MARKET WIREYahoo • 13d ago
The First Bancorp Inc.: Q3 Earnings SnapshotDAMARISCOTTA, Maine (AP) — DAMARISCOTTA, Maine (AP) — The First Bancorp Inc. (FNLC) on Wednesday reported net income of $10.
Why FNLC Stock advanced +1.29% Today — RQD Quant Desk Flash
$36.82 +1.29% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $36.99
First Bancorp Inc (ME) (FNLC) earns a Roarable Rating of B (Buy) with 73/100 RQD Confidence. High-quality cash engine (steady margins, 12% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.
ROARABLE B • BUY
Cap $415.4M
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Is FNLC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, First Bancorp Inc (ME) (NASDAQ: FNLC) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 73/100 at a spot price of $36.82 (+1.29% 1D, market cap $415.4M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, FNLC ranks #61 in composite RQD confidence.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does FNLC compare to CZFS and PCB in the Financials sector?
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Within the Financials sector (Major Banks), FNLC carries a Roarable B (73/100 RQD), trailing P/E of 12.0x, gross margin of —, and ROIC of 12.1%. By comparison, CZFS (Citizens Financial Services Inc.) holds a B- grade (70/100 RQD, P/E 11.2x, ROIC 10.8%, cap $413.7M) and PCB (PCB Bancorp) posts a C grade (65/100 RQD, P/E 10.9x, ROIC 9.6%, cap $420.5M). Among the 5-stock peer group, PCB leads on earnings multiple (10.9x) while FNLC leads on capital efficiency (12.1% ROIC).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for FNLC?
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Per FNLC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000765207), First Bancorp Inc (ME) generated $1.33B in revenue (+0.3% YoY), $34.4M in net income, and $34.6M in free cash flow against $3.17B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.
✓ Pre-computed one-to-many AI Quant brief
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INTERACTIVE SCENARIO DECK:
EXT / AFTER-HRS: $36.99 (+0.47%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 2.6% FCF Margin
Verify 90D Bucket Audit →📊 Historical Track Record: Scores of 73/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.1% avg 90D alpha vs SPY • 69.0% hit rate).
Audit Bucket Track Record →RQD QUANT TACHOMETERBUY • B
2-of-3 Quant Analysts Bullish
Cash
SEC
Whale
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
5-PILLAR RQD RADARRw B+ · Rk C+
Each axis scored 0–20
12M PRICE TARGET CONE+6.8% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FNLC)Realized 20D OHLCV Swing Band: ±5.6%
Deterministic 5-Pillar Attribution (73/100 Composite)
🔍 WHY FNLC SCORES 73/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (23% of score)
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (21% of score)
SEC XBRL FY 2025 (10-K): 2.6% FCF Margin ($34.6M FCF) & 52% Gross Margin
▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk13/20 pts (-7 pt drag)
Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade C+$33.46+3.3% Next Q
65
Q2 (-2Q)Grade B-$34.56+5% Next Q
68
Q3 (-1Q)Grade B$36.28+1.5% Next Q
70
CurrentGrade B$36.82+7.1% Hist 90D α
73
Trajectory: C+ (65) → B (73)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER
⚔️ Adversarial Opposing Case: Why the FNLC Bull Thesis Could Fail
Even with a 73/100 (B) score, FNLC faces multiple-compression risk if 12.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
⚠️ Forensic Kill-Switch #1
Broader market pullbacks can still drag down strong stocks in the short run.
⚠️ Forensic Kill-Switch #2
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
⚠️ Forensic Kill-Switch #3
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($34.75) or 200D SMA ($31.54) invalidates the momentum regime and cuts Target Base ($39.31) toward Bear Floor ($30.19).
🎲 LIVE PREDICTION MARKET ODDS TIED TO $FNLC• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “FNLC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why FNLC Stock advanced +1.29% Today — RQD Quant Desk Flash
First Bancorp Inc (ME) (FNLC) advanced +1.29% to $36.82, trading at 95% of its 52-week range ($24.63 – $37.5). High-quality cash engine (steady margins, 12% return on capital) with steady institutional support.
- ▸Technical Tape: Trading at 95% of its 52-week range ($24.63 – $37.5) with RSI-14 at 66.3 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5.6% around $36.82 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable B (Buy) backed by 52% gross margin and $34.6M annual free cash flow.
Live FNLC Headlines & Catalysts
MARKET WIREYahoo • 13d ago
The First Bancorp Announces Third Quarter ResultsDAMARISCOTTA, Maine, October 21, 2026--The First Bancorp (Nasdaq: FNLC), ("the Company", "we", "us", "our"), parent company of First National Bank, today reported unaudited results for the quarter and nine months ended S
CATALYSTYahoo Finance • 104d ago
First Bancorp Inc (FNLC) Q2 2026 Earnings Call Highlights: Strong Net Income Growth and ...Yahoo Finance coverage on FNLC stock catalysts, institutional flow, and earnings outlook.
RISK WATCHYahoo Finance • 188d ago
First Bancorp (FNLC) Shareholders OK All Annual Meeting Proposals as Chair Tindall RetiresFirst Bancorp, Inc (ME) (NASDAQ:FNLC) shareholders approved all proposals presented at the company’s 2026 annual meeting, including the election of directors, advisory votes on executive compensation and vote frequency,
CATALYSTYahoo Finance • 131d ago
The First Bancorp Declares Second Quarter DividendDAMARISCOTTA, Maine, June 25, 2026--The First Bancorp (NASDAQ: FNLC), the parent company of First National Bank, today declared a quarterly cash dividend of 38 cents per share. This second quarter dividend represents an
CATALYSTYahoo Finance • 32d ago
5 High-Yield Dividends That Pay You Soon (But You Must Act Now)Five dividend stocks go ex-dividend within the next three trading days, but their yields tell only part of the story. The coverage behind those payouts ranges from rock-solid to genuinely alarming, and the clock is alrea
CATALYSTYahoo Finance • 40d ago
The First Bancorp Declares Third Quarter DividendDAMARISCOTTA, Maine, September 24, 2026--The First Bancorp (NASDAQ: FNLC), the parent company of First National Bank, today declared a quarterly cash dividend of 38 cents per share. This third quarter dividend is payable
MARKET WIREYahoo Finance • 104d ago
The First Bancorp Announces Second Quarter ResultsDAMARISCOTTA, Maine, July 22, 2026--The First Bancorp (Nasdaq: FNLC), ("the Company", "we", "us", "our"), parent company of First National Bank, today reported unaudited results for the quarter and six months ended June
MARKET WIREYahoo Finance • 167d ago
Undervalued Small Caps With Insider Buying To Enhance Your PortfolioThe United States market has experienced a slight dip of 1.0% over the past week, yet it remains robust with a 23% increase over the past year and earnings projected to grow by 17% annually. In this context, identifying
CATALYSTYahoo Finance • 270d ago
US Market's Hidden Treasures: Discover 3 Undiscovered GemsAs the U.S. market kicks off February with a strong performance, highlighted by significant gains in major indices like the Dow Jones and S&P 500, investors are paying close attention to broader economic indicators such
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Scheduled RQD Strong Buys & Whale Accumulation Briefing (FNLC Tape Review)
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FNLC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +27.45%⚡ TESTING RESISTANCE
2026-11-04O $36.35H $36.82L $36.35C $36.82VOL 54.6K
RES: $37.57SUP: $31.52SMA50: $34.75SMA200: $31.54
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
FNLC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Share Count & Dilution Monitor
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
Reverse-DCF Expectations Hurdle
2.5%/yr Implied 5Y Growth
vs. +0.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
Ellis Vennor Setup Ledger
No active Ellis Vennor swing setup published on FNLC today. View full Setup Ledger →
🦋 Documented & Second-Order Butterfly Connections
Open Graph →
No direct multi-tier Butterfly edges indexed yet for FNLC. Explore sector supply chains on /butterfly.
AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for FNLC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FNLC)
Financials Rank #61 of 1097
⚔️ CZFS vs FNLC Full Matrix →
1. Head-to-Head Financials Peer Comparison (FNLC vs. CZFS, PCB, CHMG, FCBM)
Industry: Major Banks (248 Tracked Issuers)Across 1097 tracked Financials securities in the Roarable RQD universe, First Bancorp Inc (ME) (FNLC) ranks #61 by composite RQD confidence (73/100, grade B) and #741 by equity capitalization ($415.4M). Within this direct 5-issuer industry benchmark cohort, PCB leads on earnings valuation at 10.9x trailing P/E, while FNLC leads on capital efficiency and profitability with 12.1% ROIC and — gross margin. FNLC currently leads its immediate peer cohort in composite quantitative strength at 73/100 (B).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| FNLC
ACTIVE
First Bancorp Inc (ME) | B | 73/100 | 12.0x | — | 12.1% | +1.29% | $415.4M | Benchmark Subject |
| CZFS Citizens Financial Services Inc. | B- | 70/100 | 11.2x | — | 10.8% | +0.77% | $413.7M | /czfs-vs-fnlc → |
| PCB PCB Bancorp | C | 65/100 | 10.9x | — | 9.6% | +2.36% | $420.5M | /pcb-vs-fnlc → |
| CHMG Chemung Financial Corp | C+ | 67/100 | 28.0x | — | 5.9% | +1.33% | $421.5M | /chmg-vs-fnlc → |
| FCBM First Carolina Financial Services Inc. | D+ | 53/100 | — | — | — | +1.32% | $405.4M | /fcbm-vs-fnlc → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000765207 ↗In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Bancorp Inc (ME) (FNLC) reported GAAP revenue of $1.33B (+0.3% vs. FY2024 revenue of $1.33B , and +847.9% cumulative change since FY2023) , GAAP net income of $34.4M, operating cash flow of $37.8M, and free cash flow of $34.6M (+40.8% YoY). On the balance sheet, FNLC closed FY2025 with $3.17B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $1.33B | $34.4M | $37.8M | $34.6M | $3.17B | — |
| FY2024 (FY) | 2024-12-31 | $1.33B | $27.0M | $26.0M | $24.6M | $3.16B | — |
| FY2023 (FY) | 2023-12-31 | $140.3M | $29.5M | $36.9M | $36.9M | — | — |
3. FNLC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs FNLC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-03, First Bancorp Inc (ME) (NASDAQ: FNLC) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 73/100 at a spot price of $36.82 (+1.29% 1D, market cap $415.4M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, FNLC ranks #61 in composite RQD confidence.
How does FNLC compare to CZFS and PCB in the Financials sector?
Within the Financials sector (Major Banks), FNLC carries a Roarable B (73/100 RQD), trailing P/E of 12.0x, gross margin of —, and ROIC of 12.1%. By comparison, CZFS (Citizens Financial Services Inc.) holds a B- grade (70/100 RQD, P/E 11.2x, ROIC 10.8%, cap $413.7M) and PCB (PCB Bancorp) posts a C grade (65/100 RQD, P/E 10.9x, ROIC 9.6%, cap $420.5M). Among the 5-stock peer group, PCB leads on earnings multiple (10.9x) while FNLC leads on capital efficiency (12.1% ROIC).
What are the biggest fundamental strengths and SEC risk factors for FNLC?
Per FNLC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000765207), First Bancorp Inc (ME) generated $1.33B in revenue (+0.3% YoY), $34.4M in net income, and $34.6M in free cash flow against $3.17B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.
Where is FNLC trading relative to its 50-day, 200-day, and 52-week technical levels?
FNLC last traded at $36.82 (+1.29% on volume of 54,648 shares), positioning the stock +5.96% above its 50-day simple moving average ($34.75) and +16.74% above its 200-day simple moving average ($31.54). Across its 52-week range of $24.63 to $37.50, FNLC sits at the 94.7% percentile with a 14-day RSI of 66.3 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.6% ($34.76 to $38.88).
ROARABLE RATING BRIEF • RQD 73/100 (B)
✓ SEC XBRL & RQD VERIFIED
FNLC — First Bancorp Inc (ME): What the Facts Mean to a Prospective Investor
Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31
1. Roarable Rating Brief: What This Means to a Prospective Investor
First Bancorp Inc (ME) (FNLC) earns a live Roarable RQD composite score of 73/100, corresponding to a B letter grade (Roarable Buy) at a spot price of $36.82 (+1.29% 1D, market capitalization $415.4M).
- Fundamental Cash Engine (15/20): Anchored by return on invested capital (ROIC) of 12.1%, gross margin of —, operating margin of —, and free cash flow yield of 8.39%.
- Whale 13F & Options Flow (14/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
- Macro Regime Fit (14/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.
2. Business Model, Unit Margins & SEC Financial Trajectory
First Bancorp Inc (ME) is a NASDAQ-listed issuer classified in the Financials sector and Major Banks industry. The profile identifies the company by sector and industry classification and reports a market capitalization of $0.4B.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), First Bancorp Inc (ME) (FNLC) reported $1.33B in annual revenue (up from $1.33B in FY2024, +0.3% YoY) and $34.4M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($140.3M revenue, $29.5M net income) through FY2025, FNLC scaled operating cash flow to $37.8M and free cash flow to $34.6M, backed by $3.17B in total assets against $0 in total debt.
3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff
- 🐂 Primary Bull Case (B • RQD 73/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 15/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $24.63 – $37.50 52-week range.
- 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 12.0x trailing P/E against — operating margins and a 1.00x macro beta.
4. 2nd-Order Butterfly Ripples & Key Questions to Watch
Operating in Major Banks (Financials), FNLC carries a macro regime beta of 1.00 and gross margin of —.
- Key Question #1: Can FNLC sustain or expand its — operating margin and 12.1% ROIC against Major Banks peers over the next 4 quarters?
- Key Question #2: Following FY2025 revenue of $1.33B and free cash flow of $34.6M, how will capital allocation balance growth reinvestment against $0 in total debt?
- Key Question #3: How sensitive is FNLC's 11.2x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?
FNLC Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for First Bancorp Inc (ME) (FNLC) • Click "Debate This Headline" to argue it in the Roar Pit below
🟡 MARKET WIRE Yahoo • 13d ago
The First Bancorp Inc.: Q3 Earnings Snapshot DAMARISCOTTA, Maine (AP) — DAMARISCOTTA, Maine (AP) — The First Bancorp Inc. (FNLC) on Wednesday reported net income of $10.
🟡 MARKET WIRE Yahoo • 13d ago
The First Bancorp Announces Third Quarter Results DAMARISCOTTA, Maine, October 21, 2026--The First Bancorp (Nasdaq: FNLC), ("the Company", "we", "us", "our"), parent company of First National Bank, today reported unaudited results for the quarter and nine months ended S
🟢 CATALYST Yahoo Finance • 104d ago
First Bancorp Inc (FNLC) Q2 2026 Earnings Call Highlights: Strong Net Income Growth and ... Yahoo Finance coverage on FNLC stock catalysts, institutional flow, and earnings outlook.
🔴 RISK WATCH Yahoo Finance • 188d ago
First Bancorp (FNLC) Shareholders OK All Annual Meeting Proposals as Chair Tindall Retires First Bancorp, Inc (ME) (NASDAQ:FNLC) shareholders approved all proposals presented at the company’s 2026 annual meeting, including the election of directors, advisory votes on executive compensation and vote frequency,
🟢 CATALYST Yahoo Finance • 131d ago
The First Bancorp Declares Second Quarter Dividend DAMARISCOTTA, Maine, June 25, 2026--The First Bancorp (NASDAQ: FNLC), the parent company of First National Bank, today declared a quarterly cash dividend of 38 cents per share. This second quarter dividend represents an
🟢 CATALYST Yahoo Finance • 32d ago
5 High-Yield Dividends That Pay You Soon (But You Must Act Now) Five dividend stocks go ex-dividend within the next three trading days, but their yields tell only part of the story. The coverage behind those payouts ranges from rock-solid to genuinely alarming, and the clock is alrea
🟢 CATALYST Yahoo Finance • 40d ago
The First Bancorp Declares Third Quarter Dividend DAMARISCOTTA, Maine, September 24, 2026--The First Bancorp (NASDAQ: FNLC), the parent company of First National Bank, today declared a quarterly cash dividend of 38 cents per share. This third quarter dividend is payable
🟡 MARKET WIRE Yahoo Finance • 104d ago
The First Bancorp Announces Second Quarter Results DAMARISCOTTA, Maine, July 22, 2026--The First Bancorp (Nasdaq: FNLC), ("the Company", "we", "us", "our"), parent company of First National Bank, today reported unaudited results for the quarter and six months ended June
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE
3 Active Posts & Replies
FNLC Bull vs. Bear Conversation Board — What's Your Call at $36.82?
🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FNLC 🐻 33% BEARISH CONVICTION
AL AlphaFlow_Cap RQD DEBATE OPENER • Verified $100K Arena Trader 🐂 BULLISH
🎯 Target: $43.98 (+21.0%)
📌 Pinned Debate Insider conviction scores 17/20 and the stock trades at 12 P/E TTM with an 8.39% FCF yield and 12.1% ROIC.
Insider conviction scores 17/20 and the stock trades at 12 P/E TTM with an 8.39% FCF yield and 12.1% ROIC.. When you look under the hood at FNLC, Fundamental Cash Engine is 15/20 with 0.0% gross margins and 12.1% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (14/20) has been quietly accumulating below $37.50. My 12M target is $43.98.
SectorRotator 🐂 BULL
@ForensicBear Fair point on 12.0x trailing P/E, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.
FO ForensicBear RQD DEBATE OPENER • 10-K Footnote Auditor 🐻 BEARISH
🎯 Target: $29.44 (-19.0%)
Spot @ $36.35 Revenue, operating income, EPS, cash, and debt are reported as zero or N/A, so the cash-generation thesis cannot be verified from the f
Here is the bear case nobody on the bull side wants to address on FNLC: Revenue, operating income, EPS, cash, and debt are reported as zero or N/A, so the cash-generation thesis cannot be verified from the financials.. At 12.0x trailing P/E, even a small guidance miss in Major Banks triggers a 12-15% air pocket.