FNLC
The First Bancorp, Inc.
FNLC's fundamentals are strong, but it looks expensive: trading at 10x earnings, above its usual 9.5x.
IREN
IREN Limited
There isn't enough reported data to score IREN yet.
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.
IREN Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Weak | |
| N/A | |
| N/A |
IREN's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like IREN.
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's PE is in its expensive range at 10x.
IREN PE Valuation
IREN has no meaningful PE right now: it lost money over the past year.
FNLC Forward outlook
There aren't enough analyst estimates for FNLC to show an outlook.
IREN Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses growing | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect IREN's losses to grow, with revenue growing. 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 has the edge over IREN on earnings quality, reporting a profit while its opponent remains loss making.
IREN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$3.96 | -347% |
| Q2 2026 | -$2.22 | -988% |
| Q1 2026 | $0.51 | +$1.10 |
| Q4 2025 | $1.18 | +$1.62 |
| Q3 2025 | $1.60 | +$1.99 |
| Q2 2025 | $0.25 | +$0.45 |
| Q1 2025 | -$0.59 | -$0.43 |
| Q4 2024 | -$0.44 | -$0.15 |
IREN has swung to a loss: it lost $3.96 per share over the past year, after a profit the year before.
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 IREN on profitability, with a higher operating margin.
IREN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $228M | -5.1% |
| Q2 2026 | $137.2M | -27% |
| Q1 2026 | $144.8M | 0% |
| Q4 2025 | $184.7M | +59% |
| Q3 2025 | $240.3M | +355% |
| Q2 2025 | $187.3M | +230% |
| Q1 2025 | $144.8M | +168% |
| Q4 2024 | $116.1M | +176% |
IREN's revenue has held roughly level: $228M last quarter, down 5.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -82% | -50 points |
| Q2 2026 | -452% | -461 points |
| Q1 2026 | -161% | -180 points |
| Q4 2025 | -63% | -79 points |
| Q3 2025 | -32% | +57 points |
| Q2 2025 | 9% | +49 points |
| Q1 2025 | 19% | +8 points |
| Q4 2024 | 15% | +21 points |
IREN's operating margin was −82% last quarter, down 50 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 IREN on cash generation, producing positive trailing cash flow while its opponent burns cash.
IREN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$1.6B | -$1.6B |
| Q2 2026 | $482.2M | +2895% |
| Q1 2026 | -$873.8M | -$523.1M |
| Q4 2025 | -$468M | -$334M |
| Q3 2025 | -$38M | +$349.4M |
| Q2 2025 | $16.1M | +$179M |
| Q1 2025 | -$350.7M | -$128.7M |
| Q4 2024 | -$134M | -$105.2M |
IREN's free cash flow was −$2.5B over the past year, against −$507M the year before. Free cash flow isn't a meaningful measure for financial services companies like IREN.
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 the edge over IREN on shareholder dilution, with a more favorable share count trend.
| 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.
IREN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +26% | +82.4M shares |
| 1 year | +10% | +36.9M shares |
| 3 years | +511% | +333M shares |
| 5 years | +624% | +344M shares |
| Available history | +2346% | +382M shares |
IREN has 399M diluted shares, up 10% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
| Q4 2023 | — |
| Q3 2023 | — |
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.
IREN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2026 | 157.6x | High |
| Q4 2025 | 22.2x | High |
| Q3 2025 | 4.1x | High |
| Q2 2025 | 2.0x | Moderate |
| Q1 2025 | 3.3x | Elevated |
| Q4 2024 | -4.6x | Net Cash |
| Q3 2024 | -16.7x | Net Cash |
| Q2 2024 | -15.9x | Net Cash |
IREN's net debt is more than 20 years of its operating earnings (EBITDA), up from 3.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like IREN.
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).
IREN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 33.3 | Neutral |
| Stochastic | 8.2 | Oversold |
IREN's weekly RSI is 33 (neutral) and its Stochastic is 8 (oversold).
FNLC PE vs Financial Services Sector
| Metric | FNLC | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 20% below |
| PE % | 78 | 63 | 15 pts above |
FNLC is trading at 10x earnings, a 20% discount to the Financial Services sector's median of 13x.
IREN PE vs Financial Services Sector
| Metric | IREN | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
IREN has no meaningful PE right now: it lost money over the past year.
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 IREN on trend strength, trading above more of its moving averages.
IREN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $29.8 | 35% below |
| 20 week MA | $36.2 | 46% below |
| 50 week MA | $42.8 | 54% below |
| 100 week MA | $32.0 | 39% below |
| 200 week MA | $19.1 | 2.1% above |
IREN has fallen below most of its moving averages, though it's still 2.1% 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 IREN on returns for 2026, with the stronger performance.
IREN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $24.8 | $17.2 | -31% |
| 2022 | $17.2 | $1.19 | -93% |
| 2023 | $1.19 | $7.15 | +501% |
| 2024 | $7.15 | $10.7 | +50% |
| 2025 | $10.7 | $40.3 | +276% |
| 2026 YTD | $40.3 | $19.5 | -52% |
IREN's yearly returns have swung widely, from +501% in 2023 to −93% in 2022. It's down 52% so far in 2026.