COMP <GO>

FNLC vs V // GROSS PROFIT MARGIN

First Bancorp Inc (ME) (NASDAQ) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: FNLC 3 — V 4

■ METRIC PARITY

LAST: $36.09 (-1.98%) • MKT CAP: $415.4M

gross-margins

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LAST: $420.42 (-1.20%) • MKT CAP: $760.28B

gross-margins

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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FNLC VS. V) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	FNLC	V	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin ACTIVE	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	12.10%	32.30%	-20.20	V	/roic <GO>
EV/EBITDA & P/E Valuation	—	28.9x	—	TIE	/valuation <GO>
Free Cash Flow Yield	8.39%	2.90%	+5.49	FNLC	/fcf-yield <GO>
Operating Margin	—	60.00%	—	TIE	/operating-margins <GO>
Net Profit Margin	—	50.10%	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	—	11.30%	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	3.96%	0.63%	+3.33	FNLC	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	9.09	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	5/9	9/9	-4.00	V	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	66.3	74.2	-7.90	V	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	1.06	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	11.2x	34.0x	-22.80	FNLC	/forward-pe <GO>
Enterprise Scale & Market Cap	$415.4M	$760.28B	-$759.87B	V	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	FNLC REV	V REV	FNLC GROSS %	V GROSS %	FNLC FCF	V FCF
FY 2025	$1.33B	$40.00B	—	—	$34.6M	$21.26B
FY 2024	$1.33B	$35.93B	—	—	$24.6M	$18.33B
FY 2023	$140.3M	$32.65B	—	—	$36.9M	$19.29B

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

FNLC // BETA —

V // BETA 1.06