FNLC vs NIC
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. NIC: A growing community-focused bank holding company that complements its organic banking operations with a proven strategy of acquiring and integrating regional financial institutions.
Side-by-side fundamentals
| Metric | FNLC | NIC | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $33.90 | $167.78 | |
| Market cap as of 2026-07-23 | $385M | $3.5B | |
| P/E as of 2026-07-23 | 10.61 | 26.49 | FNLC lower |
| PEG as of 2026-07-23 | 0.37 | 18.02 | FNLC lower |
| Net margin as of 2026-07-23 | +38.1% | +21.5% | FNLC higher |
| Operating margin as of 2026-07-23 | +46.2% | +31.8% | FNLC higher |
| ROE as of 2026-07-23 | +13.1% | +9.0% | FNLC higher |
| ROA as of 2026-07-23 | +1.1% | +1.3% | NIC higher |
| Debt / equity as of 2026-07-23 | 0.00 | 0.08 | FNLC lower |
| Revenue growth (YoY) as of 2026-07-23 | +40.1% | +48.5% | NIC higher |
| Dividend yield as of 2026-07-23 | +4.4% | +0.8% | FNLC higher |
| Dividend streak (yrs) SEC XBRL | 5 | 3 | FNLC higher |
| Beta as of 2026-07-23 | 0.49 | 0.65 | |
| 1-year return as of 2026-07-22 close | +28.0% | +21.1% | FNLC higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
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.