FNLC vs MCBS
FNLC: A Maine-based regional bank with a strong deposit base and real-estate-secured loan portfolio, delivering double-digit returns on equity and growing net interest margins. MCBS: MetroCity Bankshares is a community-focused bank holding company with a strong footprint in commercial and residential real estate lending across several U.S. states.
Side-by-side fundamentals
| Metric | FNLC | MCBS | Edge |
|---|---|---|---|
| Price as of 2026-07-23 close | $33.99 | $36.10 | |
| Market cap as of 2026-07-27 | $394M | $1.0B | |
| P/E as of 2026-07-27 | 10.43 | 14.06 | FNLC lower |
| PEG as of 2026-07-27 | 0.40 | 1.04 | FNLC lower |
| Net margin as of 2026-07-27 | +38.1% | +45.1% | MCBS higher |
| Operating margin as of 2026-07-27 | +46.2% | n/a | |
| ROE as of 2026-07-27 | +13.3% | +15.1% | MCBS higher |
| ROA as of 2026-07-27 | +1.2% | +1.8% | MCBS higher |
| Debt / equity as of 2026-07-27 | 0.00 | 0.00 | Tie |
| Revenue growth (YoY) as of 2026-07-27 | +40.1% | +35.4% | FNLC higher |
| Dividend yield as of 2026-07-27 | +4.3% | +3.2% | FNLC higher |
| Dividend streak (yrs) SEC XBRL | 5 | 4 | FNLC higher |
| Beta as of 2026-07-27 | 0.48 | 0.69 | |
| 1-year return as of 2026-07-23 close | +40.6% | +23.4% | FNLC higher |
Fundamentals: Finnhub, as of 2026-07-27. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-23.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.