FNLC
The First Bancorp, Inc.
FNLC offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
GS
The Goldman Sachs Group, Inc.
GS has the edge over FNLC overall, supported by stronger valuation and stronger modeled upside.
FNLC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
FNLC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like FNLC.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
FNLC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.4x | $29.66 | -19% |
| Fair | 9.5x | $33.20 | -9.7% |
| Current | 10x | $36.78 | — |
| Expensive | 11x | $37.71 | +2.5% |
Historical ranges are pointers, not guarantees.
FNLC has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
FNLC Forward outlook
There aren't enough analyst estimates for FNLC to show an outlook.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
FNLC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $3.51 | +24% |
| Q2 2026 | $3.37 | +25% |
| Q1 2026 | $3.24 | +29% |
| Q4 2025 | $3.07 | +26% |
| Q3 2025 | $2.82 | +19% |
| Q2 2025 | $2.69 | +14% |
| Q1 2025 | $2.52 | +1.6% |
| Q4 2024 | $2.43 | -8.6% |
FNLC earned $3.51 per share over the past year, up 24% from the year before.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over FNLC on earnings, with more consistent year-over-year improvement.
FNLC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $27.5M | +12% |
| Q2 2026 | $25.8M | +15% |
| Q1 2026 | $25.1M | +15% |
| Q4 2025 | $25.8M | +18% |
| Q3 2025 | $24.5M | +20% |
| Q2 2025 | $22.5M | +17% |
| Q1 2025 | $21.8M | +18% |
| Q4 2024 | $22M | +10% |
FNLC's revenue has grown year over year for nine quarters in a row: $27M last quarter, up 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 47% | +2 points |
| Q2 2026 | 45% | +0.9 points |
| Q1 2026 | 43% | +4.1 points |
| Q4 2025 | 48% | +8.7 points |
| Q3 2025 | 45% | +0.5 points |
| Q2 2025 | 44% | +4.9 points |
| Q1 2025 | 39% | 0 points |
| Q4 2024 | 39% | -1.1 points |
FNLC has the edge over GS on profitability, with a higher operating margin.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
FNLC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $9.5M | -24% |
| Q2 2026 | -$13.2M | -282% |
| Q1 2026 | $22.2M | +2587% |
| Q4 2025 | $13.9M | +34% |
| Q3 2025 | $12.6M | +31% |
| Q2 2025 | $7.2M | +14% |
| Q1 2025 | $828K | +$2.7M |
| Q4 2024 | $10.4M | +0.8% |
FNLC has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
FNLC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +6.3K shares |
| 1 year | +0.6% | +71.3K shares |
| 3 years | +1.8% | +196K shares |
| 5 years | +2.7% | +292K shares |
| Available history | +3.6% | +394K shares |
FNLC has 11M diluted shares, up 0.6% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $27,000 |
| Q2 2026 | $21,000 |
| Q1 2026 | $278,000 |
| Q4 2025 | $2,000 |
| Q3 2025 | $9,000 |
| Q2 2025 | $2,000 |
| Q1 2025 | $277,000 |
| Q4 2024 | — |
FNLC has spent almost nothing on buybacks in the past year.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over FNLC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
FNLC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.3x | Moderate |
| Q2 2026 | 3.8x | Elevated |
| Q1 2026 | 3.7x | Elevated |
| Q4 2025 | 3.6x | Elevated |
| Q3 2025 | 3.0x | Elevated |
| Q2 2025 | 4.4x | High |
| Q1 2025 | 4.4x | High |
| Q4 2024 | 3.4x | Elevated |
FNLC's net debt is about 2.3 years of its operating earnings (EBITDA), down from 3.0 years a year ago. Net leverage isn't a meaningful measure for financial services companies like FNLC.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over FNLC on leverage, with a lower net debt burden relative to earnings.
FNLC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 66.9 | Neutral |
| Stochastic | 75.5 | Neutral |
FNLC's weekly RSI is 67 (neutral) and its Stochastic is 75 (neutral).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
FNLC PE vs Financial Services Sector
| Metric | FNLC | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 20% below |
| PE % | 78 | 63 | 15 pts above |
FNLC has the edge over GS on valuation relative to its sector.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
FNLC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $35.2 | 4.4% above |
| 20 week MA | $35.0 | 5% above |
| 50 week MA | $31.1 | 18% above |
| 100 week MA | $28.3 | 30% above |
| 200 week MA | $26.9 | 37% above |
FNLC has the edge over GS on trend strength, trading above more of its moving averages.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
FNLC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $30.3 | $24.8 | -18% |
| 2021 | $24.8 | $30.7 | +24% |
| 2022 | $30.7 | $29.8 | -2.9% |
| 2023 | $29.8 | $28.2 | -5.2% |
| 2024 | $28.2 | $27.1 | -4.1% |
| 2025 | $27.1 | $26.9 | -0.8% |
| 2026 YTD | $26.9 | $36.8 | +37% |
FNLC has the edge over GS on returns for 2026, with the stronger performance.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.