The First Bancorp, Inc. (FNLC) vs Primis Financial Corp (FRST)
A side-by-side comparison of The First Bancorp, Inc. and Primis Financial Corp across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — FNLC vs FRST
growth of $100 · dividends reinvested · last 10yFNLC vs FRST: by the numbers
- •FRST is the larger company ($388M vs $380M market cap).
- •FRST trades at the lower trailing earnings multiple (7.22 vs 10.01 P/E), one valuation lens rather than an overall verdict.
- •FNLC converts more revenue to profit (21.66% vs 16.99% net margin).
- •FRST grew revenue faster over the past five years (19.91% vs 13.03% CAGR).
- •FNLC pays the higher dividend yield (4.38% vs 2.58%).
Metrics side by side
Valuation
| Metric | FNLC | FRST |
|---|---|---|
| P/E ratio | 10.01 | 7.22 |
| Forward P/E | N/A | 11.22 |
| PEG ratio | 2.30 | 0.34 |
| P/S ratio | 2.18 | 1.24 |
| P/B ratio | 1.30 | 0.89 |
Profitability
| Metric | FNLC | FRST |
|---|---|---|
| Operating margin | 23.76% | 21.59% |
| Net margin | 21.66% | 16.99% |
| ROE | 12.91% | 12.24% |
The First Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Primis Financial Corp: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | FNLC | FRST |
|---|---|---|
| Dividend yield | 4.38% | 2.58% |
| Payout ratio | 44.51% | 18.52% |
Growth (annualized)
| Metric | FNLC | FRST |
|---|---|---|
| Revenue CAGR (5Y) | 13.03% | 19.91% |
| EPS CAGR (5Y) | 4.40% | 21.00% |
| Total return CAGR (5Y) | 8.19% | 4.57% |
Frequently asked
- Which has the lower trailing P/E, FNLC or FRST?
- FRST has the lower trailing P/E: FNLC trades at 10.01 and FRST at 7.22. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, FNLC or FRST?
- Over the past five years, FRST grew revenue faster — FNLC at a 13.03% CAGR versus FRST at 19.91%.
- Does FNLC or FRST pay a bigger dividend?
- FNLC yields 4.38% and FRST yields 2.58% based on trailing dividends and the latest price.
- Is FNLC or FRST more profitable?
- FNLC runs the higher net margin — FNLC at 21.66% versus FRST at 16.99%.
- How have FNLC and FRST total returns compared?
- Over the past 10 years, FNLC delivered 9.00% and FRST delivered 4.70% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
First Bancorp & Primis Financial appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.