Which has the lower trailing P/E, FNLC or OPRT?

FNLC has the lower trailing P/E: FNLC trades at 10.03 and OPRT at 20.58. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, FNLC or OPRT?

Over the past five years, FNLC grew revenue faster — FNLC at a 13.03% CAGR versus OPRT at 6.90%.

Does FNLC or OPRT pay a bigger dividend?

FNLC pays a dividend (4.38% yield), while OPRT has no payments in the available dividend history.

Is FNLC or OPRT more profitable?

FNLC runs the higher net margin — FNLC at 21.66% versus OPRT at 2.84%.

How have FNLC and OPRT total returns compared?

Over the past 5 years, FNLC delivered 8.19% and OPRT delivered -19.89% annualized total return. Past performance doesn't predict future results.

The First Bancorp, Inc. (FNLC) vs Oportun Financial Corporation (OPRT)

A side-by-side comparison of The First Bancorp, Inc. and Oportun Financial Corporation 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.

FNLC

The First Bancorp, Inc.

$381M

$33.80Financial ServicesDelayed quote: Oct 6, 2026, 12:22 PM EDT

OPRT

Oportun Financial Corporation

$378M

$8.25Financial ServicesDelayed quote: Oct 6, 2026, 12:25 PM EDT

Total return — FNLC vs OPRT

growth of $100 · dividends reinvested · last 7y

FNLC +80.6% (+8.8%/yr)OPRT -48.2% (-9.0%/yr)FNLC compounded faster over this window

FNLC OPRT

FNLC vs OPRT: by the numbers

•FNLC is the larger company ($381M vs $378M market cap).
•FNLC trades at the lower trailing earnings multiple (10.03 vs 20.58 P/E), one valuation lens rather than an overall verdict.
•FNLC converts more revenue to profit (21.66% vs 2.84% net margin).
•FNLC grew revenue faster over the past five years (13.03% vs 6.90% CAGR).
•FNLC pays a dividend (4.38% yield), while OPRT has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	FNLC	OPRT
P/E ratio	10.03	20.58
Forward P/E	N/A	5.22
PEG ratio	2.30	N/A
P/S ratio	2.18	0.55
P/B ratio	1.30	0.93

Profitability

Metric	FNLC	OPRT
Operating margin	23.76%	5.83%
Net margin	21.66%	2.84%
ROE	12.91%	4.79%

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.

Oportun Financial Corporation: 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	OPRT
Dividend yield	4.38%	N/A
Payout ratio	44.51%	N/A

Growth (annualized)

Metric	FNLC	OPRT
Revenue CAGR (5Y)	13.03%	6.90%
EPS CAGR (5Y)	4.40%	N/A
Total return CAGR (5Y)	8.19%	-19.89%

Frequently asked

Which has the lower trailing P/E, FNLC or OPRT?: FNLC has the lower trailing P/E: FNLC trades at 10.03 and OPRT at 20.58. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, FNLC or OPRT?: Over the past five years, FNLC grew revenue faster — FNLC at a 13.03% CAGR versus OPRT at 6.90%.
Does FNLC or OPRT pay a bigger dividend?: FNLC pays a dividend (4.38% yield), while OPRT has no payments in the available dividend history.
Is FNLC or OPRT more profitable?: FNLC runs the higher net margin — FNLC at 21.66% versus OPRT at 2.84%.
How have FNLC and OPRT total returns compared?: Over the past 5 years, FNLC delivered 8.19% and OPRT delivered -19.89% annualized total return. Past performance doesn't predict future results.

Go deeper

Full FNLC analysis Full OPRT analysis Interactive comparison tool

Dig into the metrics

First Bancorp P/E ratio Oportun Financial P/E ratio First Bancorp dividend yield First Bancorp ROE Oportun Financial ROE First Bancorp operating margin Oportun Financial operating margin First Bancorp revenue growth Oportun Financial revenue growth

First Bancorp & Oportun Financial appear in these rankings

Highest Dividend Yield Stocks Lowest P/E Ratio Stocks

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.