FNLC Quote, Financials, Valuation and Earnings

Evans Bancorp has a net margin of 32.76% compared to First Bancorp's net margin of 20.42%. First Bancorp's return on equity of 10.91% beat Evans Bancorp's return on equity of 6.65%.

First Bancorp has a consensus price target of --, signalling downside risk potential of --. On the other hand Evans Bancorp has an analysts' consensus of $45.50 which suggests that it could grow by 30.34%. Given that Evans Bancorp has higher upside potential than First Bancorp, analysts believe Evans Bancorp is more attractive than First Bancorp.

First Bancorp has a beta of 0.479, which suggesting that the stock is 52.107% less volatile than S&P 500. In comparison Evans Bancorp has a beta of 0.745, suggesting its less volatile than the S&P 500 by 25.462%.

First Bancorp has a quarterly dividend of $0.36 per share corresponding to a yield of 6.34%. Evans Bancorp offers a yield of 3.78% to investors and pays a quarterly dividend of $0.66 per share. First Bancorp pays 58.43% of its earnings as a dividend. Evans Bancorp pays out 60.97% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

First Bancorp quarterly revenues are $22.2M, which are larger than Evans Bancorp quarterly revenues of $18.3M. First Bancorp's net income of $7.3M is higher than Evans Bancorp's net income of $3.7M. Notably, First Bancorp's price-to-earnings ratio is 9.39x while Evans Bancorp's PE ratio is 16.24x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for First Bancorp is 3.14x versus 2.79x for Evans Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

Park National has a net margin of 32.76% compared to First Bancorp's net margin of 28.72%. First Bancorp's return on equity of 10.91% beat Park National's return on equity of 12.67%.

First Bancorp has a consensus price target of --, signalling downside risk potential of --. On the other hand Park National has an analysts' consensus of $170.00 which suggests that it could grow by 18.41%. Given that Park National has higher upside potential than First Bancorp, analysts believe Park National is more attractive than First Bancorp.

First Bancorp has a beta of 0.479, which suggesting that the stock is 52.107% less volatile than S&P 500. In comparison Park National has a beta of 0.722, suggesting its less volatile than the S&P 500 by 27.76%.

First Bancorp has a quarterly dividend of $0.36 per share corresponding to a yield of 6.34%. Park National offers a yield of 2.96% to investors and pays a quarterly dividend of $1.07 per share. First Bancorp pays 58.43% of its earnings as a dividend. Park National pays out 51.18% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

First Bancorp quarterly revenues are $22.2M, which are smaller than Park National quarterly revenues of $134.5M. First Bancorp's net income of $7.3M is lower than Park National's net income of $38.6M. Notably, First Bancorp's price-to-earnings ratio is 9.39x while Park National's PE ratio is 15.42x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for First Bancorp is 3.14x versus 4.48x for Park National. Usually stocks with elevated PS ratios are considered overvalued.

Tompkins Financial has a net margin of 32.76% compared to First Bancorp's net margin of 25.81%. First Bancorp's return on equity of 10.91% beat Tompkins Financial's return on equity of 10.27%.

First Bancorp has a consensus price target of --, signalling downside risk potential of --. On the other hand Tompkins Financial has an analysts' consensus of $76.50 which suggests that it could grow by 36.75%. Given that Tompkins Financial has higher upside potential than First Bancorp, analysts believe Tompkins Financial is more attractive than First Bancorp.

First Bancorp has a beta of 0.479, which suggesting that the stock is 52.107% less volatile than S&P 500. In comparison Tompkins Financial has a beta of 0.748, suggesting its less volatile than the S&P 500 by 25.208%.

First Bancorp has a quarterly dividend of $0.36 per share corresponding to a yield of 6.34%. Tompkins Financial offers a yield of 4.4% to investors and pays a quarterly dividend of $0.62 per share. First Bancorp pays 58.43% of its earnings as a dividend. Tompkins Financial pays out 49.47% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

First Bancorp quarterly revenues are $22.2M, which are smaller than Tompkins Financial quarterly revenues of $76.2M. First Bancorp's net income of $7.3M is lower than Tompkins Financial's net income of $19.7M. Notably, First Bancorp's price-to-earnings ratio is 9.39x while Tompkins Financial's PE ratio is 11.30x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for First Bancorp is 3.14x versus 2.70x for Tompkins Financial. Usually stocks with elevated PS ratios are considered overvalued.

Trustco Bank Corp N Y has a net margin of 32.76% compared to First Bancorp's net margin of 26.05%. First Bancorp's return on equity of 10.91% beat Trustco Bank Corp N Y's return on equity of 7.41%.

First Bancorp has a consensus price target of --, signalling downside risk potential of --. On the other hand Trustco Bank Corp N Y has an analysts' consensus of -- which suggests that it could fall by -5.66%. Given that Trustco Bank Corp N Y has higher upside potential than First Bancorp, analysts believe Trustco Bank Corp N Y is more attractive than First Bancorp.

First Bancorp has a beta of 0.479, which suggesting that the stock is 52.107% less volatile than S&P 500. In comparison Trustco Bank Corp N Y has a beta of 0.710, suggesting its less volatile than the S&P 500 by 28.976%.

First Bancorp has a quarterly dividend of $0.36 per share corresponding to a yield of 6.34%. Trustco Bank Corp N Y offers a yield of 5.23% to investors and pays a quarterly dividend of $0.36 per share. First Bancorp pays 58.43% of its earnings as a dividend. Trustco Bank Corp N Y pays out 56.13% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

First Bancorp quarterly revenues are $22.2M, which are smaller than Trustco Bank Corp N Y quarterly revenues of $43.3M. First Bancorp's net income of $7.3M is lower than Trustco Bank Corp N Y's net income of $11.3M. Notably, First Bancorp's price-to-earnings ratio is 9.39x while Trustco Bank Corp N Y's PE ratio is 10.72x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for First Bancorp is 3.14x versus 3.05x for Trustco Bank Corp N Y. Usually stocks with elevated PS ratios are considered overvalued.