FNLC vs UBSI
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. UBSI: A diversified community banking organization with a strong footprint in the Mid-Atlantic and Southeast, driven by a long history of strategic acquisitions.
Side-by-side fundamentals
| Metric | FNLC | UBSI | Edge |
|---|---|---|---|
| Price as of 2026-07-23 close | $33.99 | $47.36 | |
| Market cap as of 2026-07-25 | $384M | $6.6B | |
| P/E as of 2026-07-25 | 10.16 | 13.12 | FNLC lower |
| PEG as of 2026-07-25 | 0.40 | 0.44 | FNLC lower |
| Net margin as of 2026-07-25 | +38.1% | +36.1% | FNLC higher |
| Operating margin as of 2026-07-25 | +46.2% | +45.4% | FNLC higher |
| ROE as of 2026-07-25 | +13.3% | +9.3% | FNLC higher |
| ROA as of 2026-07-25 | +1.2% | +1.5% | UBSI higher |
| Debt / equity as of 2026-07-25 | 0.00 | 0.08 | FNLC lower |
| Revenue growth (YoY) as of 2026-07-25 | +40.1% | +50.6% | UBSI higher |
| Revenue CAGR (3y) SEC XBRL | n/a | +4.1% | |
| Dividend yield as of 2026-07-25 | +4.5% | +3.2% | FNLC higher |
| Dividend streak (yrs) SEC XBRL | 5 | 5 | Tie |
| Beta as of 2026-07-25 | 0.49 | 0.74 | |
| 1-year return as of 2026-07-23 close | +27.3% | +30.6% | UBSI higher |
Fundamentals: Finnhub, as of 2026-07-25. 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.