Financhill
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23

FNLC Quote, Financials, Valuation and Earnings

Last price:
$27.65
Seasonality move :
-0.31%
Day range:
$25.72 - $27.78
52-week range:
$21.77 - $31.05
Dividend yield:
5.13%
P/E ratio:
11.68x
P/S ratio:
3.94x
P/B ratio:
1.20x
Volume:
67.3K
Avg. volume:
17.4K
1-year change:
-1.07%
Market cap:
$308.8M
Revenue:
$80.6M
EPS (TTM):
$2.37
Period Ending 2019-12-31 2020-12-31 2021-12-31 2022-12-31 2023-12-31
Revenue $66.7M $78M $85.7M $93M $80.6M
Revenue Growth (YoY) 6.17% 16.9% 9.92% 8.58% -13.32%
 
Cost of Revenues -- -- -- -- --
Gross Profit -- -- -- -- --
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin $18.8M $21.1M $22M $24.4M $23.9M
Other Inc / (Exp) $224K $1.2M $23K $7K --
Operating Expenses $18.9M $20.9M $22M $24.5M $23.9M
Operating Income -- -- -- -- --
 
Net Interest Expenses -- -- -- -- --
EBT. Incl. Unusual Items $30.3M $32.3M $43.9M $47.4M $35.7M
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $4.7M $5.1M $7.6M $8.4M $6.2M
Net Income to Company $25.5M $27.1M $36.3M $39M $29.5M
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $25.5M $27.1M $36.3M $39M $29.5M
 
Basic EPS (Cont. Ops) $2.36 $2.50 $3.33 $3.56 $2.68
Diluted EPS (Cont. Ops) $2.34 $2.48 $3.30 $3.53 $2.66
Weighted Average Basic Share $10.8M $10.9M $10.9M $10.9M $11M
Weighted Average Diluted Share $10.9M $10.9M $11M $11M $11.1M
 
EBITDA -- -- -- -- --
EBIT $56.4M $49.5M $54.7M $64.3M $98.7M
 
Revenue (Reported) $66.7M $78M $85.7M $93M $80.6M
Operating Income (Reported) -- -- -- -- --
Operating Income (Adjusted) $56.4M $49.5M $54.7M $64.3M $98.7M
Period Ending 2020-09-30 2021-09-30 2022-09-30 2023-09-30 2024-09-30
Revenue $19.6M $21.4M $24.1M $19.8M $20.5M
Revenue Growth (YoY) 16.66% 9.39% 12.59% -17.58% 3.42%
 
Cost of Revenues -- -- -- -- --
Gross Profit -- -- -- -- --
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin $5.2M $5.6M $6.1M $6.1M $6.8M
Other Inc / (Exp) -- -$142K $6K -- --
Operating Expenses $5.2M $5.7M $6.1M $6.1M $6.8M
Operating Income -- -- -- -- --
 
Net Interest Expenses -- -- -- -- --
EBT. Incl. Unusual Items $8.5M $10.9M $12.3M $9M $9.2M
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $1.4M $1.9M $2.2M $1.6M $1.6M
Net Income to Company $7.1M $9M $10.1M $7.5M $7.6M
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $7.1M $9M $10.1M $7.5M $7.6M
 
Basic EPS (Cont. Ops) $0.65 $0.83 $0.92 $0.68 $0.69
Diluted EPS (Cont. Ops) $0.65 $0.82 $0.91 $0.67 $0.68
Weighted Average Basic Share $10.9M $10.9M $10.9M $11M $11.1M
Weighted Average Diluted Share $10.9M $11M $11M $11.1M $11.1M
 
EBITDA -- -- -- -- --
EBIT $12.2M $13.5M $16.9M $26.3M $31M
 
Revenue (Reported) $19.6M $21.4M $24.1M $19.8M $20.5M
Operating Income (Reported) -- -- -- -- --
Operating Income (Adjusted) $12.2M $13.5M $16.9M $26.3M $31M
Period Ending 2020-09-30 2021-09-30 2022-09-30 2023-09-30 2024-09-30
Revenue $75.1M $83.4M $92.2M $84M $78.2M
Revenue Growth (YoY) -- -- -- -- --
 
Cost of Revenues -- -- -- -- --
Gross Profit -- -- -- -- --
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin $20M $22.1M $23.6M $24.4M $25.6M
Other Inc / (Exp) $1.4M -$2K $8K -- --
Operating Expenses $20M $22.1M $23.7M $24.4M $25.6M
Operating Income -- -- -- -- --
 
Net Interest Expenses -- -- -- -- --
EBT. Incl. Unusual Items $31.9M $40.6M $47.8M $38.8M $32M
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $5.1M $6.9M $8.5M $6.7M $5.6M
Net Income to Company $26.8M $33.7M $39.3M $32M $26.4M
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $26.8M $33.7M $39.3M $32M $26.4M
 
Basic EPS (Cont. Ops) $2.48 $3.10 $3.59 $2.92 $2.41
Diluted EPS (Cont. Ops) $2.46 $3.07 $3.57 $2.89 $2.37
Weighted Average Basic Share -- -- -- -- --
Weighted Average Diluted Share -- -- -- -- --
 
EBITDA -- -- -- -- --
EBIT $52M $52.5M $59.4M $90.4M $114.4M
 
Revenue (Reported) $75.1M $83.4M $92.2M $84M $78.2M
Operating Income (Reported) -- -- -- -- --
Operating Income (Adjusted) $52M $52.5M $59.4M $90.4M $114.4M
Period Ending 2020-09-30 2021-09-30 2022-09-30 2023-09-30 2024-09-30
Revenue $57.8M $63.2M $69.7M $60.7M $58.3M
Revenue Growth (YoY) -- -- -- -- --
 
Cost of Revenues -- -- -- -- --
Gross Profit -- -- -- -- --
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin $15.3M $16.2M $17.8M $17.8M $19.5M
Other Inc / (Exp) $1.2M $22K $7K -- --
Operating Expenses $15.3M $16.3M $17.9M $17.9M $19.6M
Operating Income -- -- -- -- --
 
Net Interest Expenses -- -- -- -- --
EBT. Incl. Unusual Items $24M $32.3M $36.2M $27.6M $23.9M
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $3.8M $5.6M $6.4M $4.8M $4.1M
Net Income to Company $20.2M $26.7M $29.8M $22.8M $19.8M
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $20.2M $26.7M $29.8M $22.8M $19.8M
 
Basic EPS (Cont. Ops) $1.86 $2.46 $2.72 $2.08 $1.80
Diluted EPS (Cont. Ops) $1.85 $2.43 $2.70 $2.06 $1.77
Weighted Average Basic Share $32.6M $32.7M $32.8M $32.9M $33.1M
Weighted Average Diluted Share $32.8M $33M $33.1M $33.2M $33.4M
 
EBITDA -- -- -- -- --
EBIT $37.8M $40.8M $45.5M $71.6M $87.4M
 
Revenue (Reported) $57.8M $63.2M $69.7M $60.7M $58.3M
Operating Income (Reported) -- -- -- -- --
Operating Income (Adjusted) $37.8M $40.8M $45.5M $71.6M $87.4M
Period Ending 2019-12-31 2020-12-31 2021-12-31 2022-12-31 2023-12-31
Cash and Equivalents $25.7M $82.4M $87.3M $26.4M $35.4M
Short Term Investments $360.5M $313.4M $320.6M $284.5M $282.1M
Accounts Receivable, Net $7.2M $9.3M $7.5M $9.8M $11.9M
Inventory -- -- -- -- --
Prepaid Expenses -- -- -- -- --
Other Current Assets -- -- -- -- --
Total Current Assets $393.4M $405M $415.4M $320.8M $329.4M
 
Property Plant And Equipment $21.3M $27.3M $28.9M $28.3M $28.7M
Long-Term Investments $642.1M $679M $690.6M $678.4M $667.3M
Goodwill $29.8M $30.6M $30.6M $30.6M $30.6M
Other Intangibles -- -- -- -- --
Other Long-Term Assets -- -- -- -- --
Total Assets $2.1B $2.4B $2.5B $2.7B $2.9B
 
Accounts Payable -- -- -- -- --
Accrued Expenses -- -- -- -- --
Current Portion Of Long-Term Debt $174.9M $206.9M -- $39M $20.1M
Current Portion Of Capital Lease Obligations -- -- -- -- --
Other Current Liabilities -- -- -- -- --
Total Current Liabilities $174.9M $206.9M $81.3M $103.4M $69.7M
 
Long-Term Debt $10.1M $55.1M $55.1M $84K --
Capital Leases -- -- -- -- --
Total Liabilities $1.9B $2.1B $2.3B $2.5B $2.7B
 
Common Stock $109K $110K $110K $110K $111K
Other Common Equity Adj $97K -$4.9M -- $544K $300K
Common Equity $212.5M $223.7M $245.7M $228.9M $243.1M
Total Preferred Equity -- -- -- -- --
Minority Interest, Total -- -- -- -- --
Total Equity $212.5M $223.7M $245.7M $228.9M $243.1M
 
Total Liabilities and Equity $2.1B $2.4B $2.5B $2.7B $2.9B
Cash and Short Terms $386.3M $395.7M $407.9M $310.9M $317.5M
Total Debt $185M $262M $55.1M $39.1M $20.1M
Period Ending 2020-09-30 2021-09-30 2022-09-30 2023-09-30 2024-09-30
Cash and Equivalents $70.9M $120.9M $93.2M $68.3M $52.3M
Short Term Investments $340.1M $309.2M $283.3M $285M $285M
Accounts Receivable, Net $10.2M $8.4M $8.2M $12M $14.6M
Inventory -- -- -- -- --
Prepaid Expenses -- -- -- -- --
Other Current Assets -- -- -- -- --
Total Current Assets $421.2M $438.5M $384.6M $365.3M $352M
 
Property Plant And Equipment $27.1M $29.1M $28.5M $28.9M $27.4M
Long-Term Investments $672.1M $684.9M $665.2M $672.3M $662.7M
Goodwill $29.8M $30.6M $30.6M $30.6M $30.6M
Other Intangibles $2M $2.6M -- -- --
Other Long-Term Assets -- -- -- -- --
Total Assets $2.3B $2.5B $2.7B $2.9B $3.1B
 
Accounts Payable -- -- -- -- --
Accrued Expenses -- -- -- -- --
Current Portion Of Long-Term Debt $228.7M $178.1M $118.3M $83M --
Current Portion Of Capital Lease Obligations -- -- -- -- --
Other Current Liabilities -- -- -- -- --
Total Current Liabilities $228.7M $178.1M $118.3M $83M $56M
 
Long-Term Debt $55.1M $55.1M $85K -- $95M
Capital Leases -- -- -- -- --
Total Liabilities $2.1B $2.3B $2.5B $2.7B $2.9B
 
Common Stock $109K $110K $110K $111K $111K
Other Common Equity Adj -$5.8M -$1.5M $500K $1.4M -$136K
Common Equity -- -- -- -- --
Total Preferred Equity -- -- -- -- --
Minority Interest, Total -- -- -- -- --
Total Equity $219.4M $238.7M $219.9M $226.7M $256.8M
 
Total Liabilities and Equity $2.3B $2.5B $2.7B $2.9B $3.1B
Cash and Short Terms $411M $430.1M $376.5M $353.2M $337.4M
Total Debt $283.8M $233.2M $118.3M $83M $95M
Period Ending 2019-12-31 2020-12-31 2021-12-31 2022-12-31 2023-12-31
Net Income to Stockholders $25.5M $27.1M $36.3M $39M $29.5M
Depreciation & Amoritzation $1.9M $2.2M $2M $2M $2.1M
Stock-Based Compensation $565K $652K $856K $809K $820K
Change in Accounts Receivable -- -- -- -- --
Change in Inventories -- -- -- -- --
Cash From Operations $26.1M $22.7M $56.7M $41.2M $36.9M
 
Capital Expenditures $1.6M $2.5M $3.8M $1.4M $2.6M
Cash Acquisitions -- -$6.1M -- -- --
Cash From Investing -$116.3M -$250.1M -$201.7M -$247.6M -$199.8M
 
Dividends Paid (Ex Special Dividend) -$13M -$13.3M -$13.9M -$14.8M -$15.4M
Special Dividend Paid
Long-Term Debt Issued -- $55M -- -- --
Long-Term Debt Repaid -$25.4M -$10M -$7K -$55M -$84K
Repurchase of Common Stock -$183K -$156K -$253K -$277K -$250K
Other Financing Activities -- -- -- -- --
Cash From Financing $85.5M $239.2M $139.5M $208.5M $172.1M
 
Beginning Cash (CF) $19.1M $14.4M $26.2M $20.6M $22.7M
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions -$4.7M $11.8M -$5.6M $2.1M $9.2M
Ending Cash (CF) $14.4M $26.2M $20.6M $22.7M $31.9M
 
Levered Free Cash Flow $24.5M $20.2M $52.9M $39.8M $34.3M
Period Ending 2020-09-30 2021-09-30 2022-09-30 2023-09-30 2024-09-30
Net Income to Stockholders $7.1M $9M $10.1M $7.5M $7.6M
Depreciation & Amoritzation $599K $507K $499K $551K $569K
Stock-Based Compensation $170K $182K $198K $209K $230K
Change in Accounts Receivable -- -- -- -- --
Change in Inventories -- -- -- -- --
Cash From Operations $15.8M $12.9M $13.2M $10.3M $9.8M
 
Capital Expenditures $7M $115K $58K $1.7M $111K
Cash Acquisitions -- -- -- -- --
Cash From Investing -$39.9M -$85.9M -$115.4M -$70.4M -$43.7M
 
Dividends Paid (Ex Special Dividend) -$3.4M -$3.5M -$3.8M -$3.9M -$4M
Special Dividend Paid -- -- -- -- --
Long-Term Debt Issued $10M -- -- -$25M $25M
Long-Term Debt Repaid -$10M -$2K -$1K -$20.5M -$13.6M
Repurchase of Common Stock -$3K -$13K -- $1K --
Other Financing Activities -- -- -- -- --
Cash From Financing $24.7M $73.1M $106.1M $64.9M $41.3M
 
Beginning Cash (CF) $22.1M $27.1M $23.5M $25.1M $27.8M
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions $599K $34K $4M $4.8M $7.3M
Ending Cash (CF) $22.7M $27.1M $27.4M $29.9M $35.1M
 
Levered Free Cash Flow $8.8M $12.8M $13.1M $8.6M $9.6M
Period Ending 2020-09-30 2021-09-30 2022-09-30 2023-09-30 2024-09-30
Net Income to Stockholders $26.8M $33.7M $39.3M $32M $26.4M
Depreciation & Amoritzation $2.2M $2.1M $2M $2.1M $2.2M
Stock-Based Compensation $679K $842K $794K $806K $893K
Change in Accounts Receivable -- -- -- -- --
Change in Inventories -- -- -- -- --
Cash From Operations $32.7M $46.9M $43.9M $35M $25.4M
 
Capital Expenditures $8.1M -$1.5M $1.5M $2.5M $878K
Cash Acquisitions -- -- -- -- --
Cash From Investing -$260.6M -$229.4M -$251.4M -$212.4M -$175.8M
 
Dividends Paid (Ex Special Dividend) -$13.3M -$13.8M -$14.5M -$15.3M -$15.8M
Special Dividend Paid
Long-Term Debt Issued $55M -- -- -- --
Long-Term Debt Repaid -$6.5M -$8K -$55M -$20.5M $6.8M
Repurchase of Common Stock -$244K -$252K -$276K -$249K -$214K
Other Financing Activities -- -- -- -- --
Cash From Financing $229.2M $186.9M $207.8M $179.9M $155.6M
 
Beginning Cash (CF) -- -- -- -- --
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions $1.3M $4.4M $282K $2.5M $5.2M
Ending Cash (CF) -- -- -- -- --
 
Levered Free Cash Flow $24.6M $48.4M $42.4M $32.5M $24.5M
Period Ending 2020-09-30 2021-09-30 2022-09-30 2023-09-30 2024-09-30
Net Income to Stockholders $20.2M $26.7M $29.8M $22.8M $19.8M
Depreciation & Amoritzation $1.7M $1.5M $1.5M $1.6M $1.7M
Stock-Based Compensation $482K $672K $610K $607K $680K
Change in Accounts Receivable -- -- -- -- --
Change in Inventories -- -- -- -- --
Cash From Operations $21.1M $45.2M $32.4M $26.2M $14.6M
 
Capital Expenditures $7.5M $3.4M $1.2M $2.3M $496K
Cash Acquisitions -- -- -- -- --
Cash From Investing -$214.6M -$193.9M -$243.6M -$208.4M -$184.4M
 
Dividends Paid (Ex Special Dividend) -$9.9M -$10.4M -$11M -$11.5M -$11.9M
Special Dividend Paid -- -- -- -- --
Long-Term Debt Issued $55M -- -- -- $95M
Long-Term Debt Repaid -$10M -$6K -$55M -$20.5M -$13.6M
Repurchase of Common Stock -$157K -$253K -$276K -$248K -$212K
Other Financing Activities -- -- -- -- --
Cash From Financing $201.8M $149.6M $217.9M $189.4M $172.9M
 
Beginning Cash (CF) $57.7M $73.3M $66.1M $75.3M $83.6M
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions $8.3M $914K $6.8M $7.2M $3.2M
Ending Cash (CF) $66M $74.2M $72.9M $82.4M $86.8M
 
Levered Free Cash Flow $13.6M $41.8M $31.3M $23.9M $14.1M

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