First Bancorp, Inc (ME) (NASDAQ:FNLC – Get Free Report) and Lloyds Banking Group (NYSE:LYG – Get Free Report) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their risk, valuation, institutional ownership, earnings, dividends, analyst recommendations and profitability.
Valuation and Earnings
This table compares First Bancorp, Inc (ME) and Lloyds Banking Group”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| First Bancorp, Inc (ME) | $101.39 million | 3.89 | $34.39 million | $3.37 | 10.37 |
| Lloyds Banking Group | $25.61 billion | 3.39 | $6.14 billion | $0.43 | 13.94 |
Analyst Ratings
This is a summary of recent recommendations for First Bancorp, Inc (ME) and Lloyds Banking Group, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| First Bancorp, Inc (ME) | 0 | 0 | 1 | 0 | 3.00 |
| Lloyds Banking Group | 0 | 4 | 8 | 0 | 2.67 |
Risk and Volatility
First Bancorp, Inc (ME) has a beta of 0.49, indicating that its share price is 51% less volatile than the S&P 500. Comparatively, Lloyds Banking Group has a beta of 0.87, indicating that its share price is 13% less volatile than the S&P 500.
Profitability
This table compares First Bancorp, Inc (ME) and Lloyds Banking Group’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| First Bancorp, Inc (ME) | 21.43% | 13.30% | 1.18% |
| Lloyds Banking Group | 24.97% | 10.94% | 0.54% |
Dividends
First Bancorp, Inc (ME) pays an annual dividend of $1.52 per share and has a dividend yield of 4.3%. Lloyds Banking Group pays an annual dividend of $0.16 per share and has a dividend yield of 2.7%. First Bancorp, Inc (ME) pays out 45.1% of its earnings in the form of a dividend. Lloyds Banking Group pays out 37.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. First Bancorp, Inc (ME) has raised its dividend for 6 consecutive years. First Bancorp, Inc (ME) is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Insider & Institutional Ownership
40.4% of First Bancorp, Inc (ME) shares are owned by institutional investors. Comparatively, 2.1% of Lloyds Banking Group shares are owned by institutional investors. 5.1% of First Bancorp, Inc (ME) shares are owned by insiders. Comparatively, 0.0% of Lloyds Banking Group shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.
Summary
First Bancorp, Inc (ME) beats Lloyds Banking Group on 9 of the 16 factors compared between the two stocks.
About First Bancorp, Inc (ME)
The First Bancorp, Inc. operates as the holding company for First National Bank that provides a range of banking products and services to individuals and businesses. It offers various deposit products, including demand, NOW, time, savings, money market, and certificates of deposit accounts. The company also provides commercial loans comprising commercial real estate owner occupied, such as mortgage loans to finance investments in real property such as retail space, offices, industrial buildings, hotels, educational facilities, and other specific or mixed use properties; commercial real estate non-owner occupied loans; commercial construction to finance construction in a mix of owner- and nonowner occupied commercial real estate properties; and commercial and industrial loans, including revolving and term loan for financing working capital and/or capital investment. In addition, it offers commercial multifamily loans; residential real estate term and residential real estate construction loans; loans to municipalities in Maine for capitalized expenditures, construction projects, or tax anticipation notes; home equity revolving and term loans; and personal lines of credit and amortizing loans for various purposes, such as autos, recreational vehicles, debt consolidation, personal expenses, or overdraft protection. Further, the company offers private banking, financial planning, investment management, and trust services to individuals, businesses, non-profit organizations and municipalities; and brokerage, annuity, and various insurance products, as well as payment processing services. It operates through full-service banking offices in Lincoln, Knox, Waldo, Penobscot, Hancock, and Washington counties in the Mid-Coast, Eastern, and Down East regions of Maine. The company was formerly known as First National Lincoln Corporation and changed its name to The First Bancorp, Inc. in April 2008. The First Bancorp, Inc. was founded in 1864 and is based in Damariscotta, Maine.
About Lloyds Banking Group
Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial services in the United Kingdom and internationally. It operates in three segments: Retail; Commercial Banking; and Insurance, Pensions and Investments. The Retail segment offers a range of financial service products, including current accounts, savings, mortgages, motor finance, unsecured loans, leasing solutions, and credit cards to personal customers. The Commercial Banking segment provides lending, transactional banking, working capital management, risk management, and debt financing services to small and medium-sized entities, corporates, and institutions. The Insurance, Pensions, and Investments segment offers insurance, investment, and pension management products and services. It also provides digital banking services. The company offers its products and services under the Lloyds Bank, Halifax, Bank of Scotland, Scottish Widows, MBNA, Schroders Personal Wealth, Black Horse, Lex Autolease, Birmingham Midshires, LDC, AMC, Embark Group, Citra, IWeb, Cavendish Online, and Tusker brand names. Lloyds Banking Group plc was founded in 1695 and is headquartered in London, the United Kingdom.
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