$305.00M Market Cap.
FNLC Market Cap. (MRY)
FNLC Shares Outstanding (MRY)
FNLC Assets (MRY)
Total Assets
$3.16B
Total Liabilities
$2.90B
Total Investments
$2.97B
FNLC Income (MRY)
Revenue
$79.74M
Net Income
$27.05M
Operating Expense
$47.16M
FNLC Cash Flow (MRY)
CF Operations
$26.05M
CF Investing
-$217.42M
CF Financing
$187.07M
FNLC Dividends (MRY)
Period | Dividends | Yield % | Growth % | Payout Ratio | Coverage Ratio |
|---|---|---|---|---|---|
2024 | $1.42 | 5.20% | 2.90% | 57.96% | 1.73 |
2023 | $1.38 | 4.90% | 4.55% | 51.49% | 1.94 |
2022 | $1.32 | 4.40% | 4.76% | 37.08% | 2.70 |
2021 | $1.26 | 4.00% | 3.28% | 37.84% | 2.64 |
2020 | $1.22 | 4.80% | - | 48.80% | 2.05 |
FNLC Balance Sheet (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Total Assets | $3,157,010,000 (7.14%) | $2,946,698,000 (7.58%) | $2,739,178,000 (8.39%) | $2,527,099,000 (7.02%) |
Assets Current | - | - | - | - |
Assets Non-Current | - | - | - | - |
Goodwill & Intangible Assets | $30,646,000 (0.00%) | $30,646,000 (0.00%) | $30,646,000 (0.00%) | $30,646,000 (0.00%) |
Shareholders Equity | $252,493,000 (3.87%) | $243,079,000 (6.18%) | $228,923,000 (-6.81%) | $245,657,000 (9.80%) |
Property Plant & Equipment Net | $27,855,000 (-2.89%) | $28,684,000 (1.44%) | $28,277,000 (-2.32%) | $28,949,000 (6.23%) |
Cash & Equivalents | $49,736,000 (40.38%) | $35,430,000 (34.10%) | $26,421,000 (-69.74%) | $87,312,000 (6.01%) |
Accumulated Other Comprehensive Income | -$42,274,000 (-8.32%) | -$39,028,000 (11.23%) | -$43,965,000 (-2486.18%) | -$1,700,000 (-5971.43%) |
Deferred Revenue | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Total Investments | $2,967,656,000 (6.90%) | $2,776,097,000 (7.58%) | $2,580,514,000 (10.80%) | $2,328,934,000 (8.03%) |
Investments Current | - | - | - | - |
Investments Non-Current | - | - | - | - |
Inventory | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Trade & Non-Trade Receivables | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Trade & Non-Trade Payables | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Accumulated Retained Earnings (Deficit) | $222,823,000 (5.14%) | $211,925,000 (3.71%) | $204,343,000 (13.26%) | $180,417,000 (13.93%) |
Tax Assets | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Tax Liabilities | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Total Debt | $146,278,000 (110.01%) | $69,652,000 (-32.69%) | $103,483,000 (-24.10%) | $136,342,000 (-47.97%) |
Debt Current | - | - | - | - |
Debt Non-Current | - | - | - | - |
Total Liabilities | $2,904,517,000 (7.43%) | $2,703,619,000 (7.70%) | $2,510,255,000 (10.03%) | $2,281,442,000 (6.73%) |
Liabilities Current | - | - | - | - |
Liabilities Non-Current | - | - | - | - |
FNLC Income Statement (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Revenues | $79,740,000 (0.35%) | $79,460,000 (-12.96%) | $91,290,000 (6.08%) | $86,061,000 (19.69%) |
Cost of Revenue | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Selling General & Administrative Expense | $44,739,000 (7.11%) | $41,770,000 (-2.33%) | $42,767,000 (3.67%) | $41,255,000 (6.99%) |
Research & Development Expense | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Operating Expenses | $47,156,000 (7.77%) | $43,758,000 (-0.33%) | $43,904,000 (4.17%) | $42,148,000 (6.29%) |
Interest Expense | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Income Tax Expense | $5,539,000 (-10.43%) | $6,184,000 (-26.35%) | $8,396,000 (9.84%) | $7,644,000 (49.27%) |
Net Loss Income from Discontinued Operations | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Consolidated Income | $27,045,000 (-8.38%) | $29,518,000 (-24.29%) | $38,990,000 (7.50%) | $36,269,000 (33.69%) |
Net Income to Non-Controlling Interests | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Net Income | $27,045,000 (-8.38%) | $29,518,000 (-24.29%) | $38,990,000 (7.50%) | $36,269,000 (33.69%) |
Preferred Dividends Income Statement Impact | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Net Income Common Stock | $27,045,000 (-8.38%) | $29,518,000 (-24.29%) | $38,990,000 (7.50%) | $36,269,000 (33.69%) |
Weighted Average Shares | $11,151,844 (0.52%) | $11,093,965 (0.47%) | $11,042,047 (0.42%) | $10,996,274 (0.44%) |
Weighted Average Shares Diluted | - | - | - | - |
Earning Before Interest & Taxes (EBIT) | $32,584,000 (-8.73%) | $35,702,000 (-24.66%) | $47,386,000 (7.91%) | $43,913,000 (36.16%) |
Gross Profit | $79,740,000 (0.35%) | $79,460,000 (-12.96%) | $91,290,000 (6.08%) | $86,061,000 (19.69%) |
Operating Income | $32,584,000 (-8.73%) | $35,702,000 (-24.66%) | $47,386,000 (7.91%) | $43,913,000 (36.16%) |
FNLC Cash Flow Statement (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Net Cash Flow from Investing | -$217,420,000 (-8.81%) | -$199,808,000 (19.30%) | -$247,580,000 (-22.72%) | -$201,749,000 (19.32%) |
Net Cash Flow from Financing | $187,067,000 (8.69%) | $172,103,000 (-17.44%) | $208,461,000 (49.46%) | $139,478,000 (-41.68%) |
Net Cash Flow from Operations | $26,047,000 (-29.45%) | $36,919,000 (-10.42%) | $41,213,000 (-27.30%) | $56,693,000 (149.77%) |
Net Cash Flow / Change in Cash & Cash Equivalents | -$4,306,000 (-146.73%) | $9,214,000 (340.02%) | $2,094,000 (137.54%) | -$5,578,000 (-147.36%) |
Net Cash Flow - Business Acquisitions and Disposals | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Net Cash Flow - Investment Acquisitions and Disposals | -$215,949,000 (-9.46%) | -$197,282,000 (19.89%) | -$246,264,000 (-23.75%) | -$198,994,000 (17.55%) |
Capital Expenditure | -$1,471,000 (44.11%) | -$2,632,000 (-92.68%) | -$1,366,000 (63.61%) | -$3,754,000 (-51.80%) |
Issuance (Repayment) of Debt Securities | $76,626,000 (326.50%) | -$33,831,000 (-2.96%) | -$32,859,000 (73.86%) | -$125,696,000 (-263.07%) |
Issuance (Purchase) of Equity Shares | $655,000 (15.52%) | $567,000 (9.25%) | $519,000 (19.04%) | $436,000 (-15.18%) |
Payment of Dividends & Other Cash Distributions | -$15,803,000 (-2.50%) | -$15,418,000 (-4.32%) | -$14,779,000 (-5.96%) | -$13,948,000 (-4.64%) |
Effect of Exchange Rate Changes on Cash | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Share Based Compensation | $895,000 (9.15%) | $820,000 (1.36%) | $809,000 (-5.49%) | $856,000 (31.29%) |
Depreciation Amortization & Accretion | $2,209,000 (4.84%) | $2,107,000 (6.20%) | $1,984,000 (-2.70%) | $2,039,000 (-8.19%) |
FNLC Financial Metrics (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Gross Margin | 100.00% (0.00%) | 100.00% (0.00%) | 100.00% (0.00%) | 100.00% (0.00%) |
Profit Margin | 33.90% (-8.63%) | 37.10% (-13.11%) | 42.70% (1.43%) | 42.10% (11.67%) |
EBITDA Margin | 43.60% (-8.40%) | 47.60% (-12.01%) | 54.10% (1.31%) | 53.40% (11.48%) |
Return on Average Equity (ROAE) | 10.90% (-14.17%) | 12.70% (-25.73%) | 17.10% (11.76%) | 15.30% (23.39%) |
Return on Average Assets (ROAA) | 0.90% (-10.00%) | 1.00% (-33.33%) | 1.50% (0.00%) | 1.50% (25.00%) |
Return on Sales (ROS) | 40.90% (-8.91%) | 44.90% (-13.49%) | 51.90% (1.76%) | 51.00% (13.59%) |
Return on Invested Capital (ROIC) | 1.00% (-16.67%) | 1.20% (-33.33%) | 1.80% (5.88%) | 1.70% (30.77%) |
Dividend Yield | 5.20% (6.12%) | 4.90% (11.36%) | 4.40% (10.00%) | 4.00% (-16.67%) |
Price to Earnings Ratio (P/E) | 11.16 (6.01%) | 10.53 (25.21%) | 8.41 (-10.81%) | 9.43 (-7.19%) |
Price to Sales Ratio (P/S) | 3.83 (-2.92%) | 3.94 (8.81%) | 3.62 (-9.75%) | 4.01 (3.75%) |
Price to Book Ratio (P/B) | 1.21 (-6.21%) | 1.29 (-10.80%) | 1.44 (2.70%) | 1.41 (13.11%) |
Debt to Equity Ratio (D/E) | 11.5 (3.43%) | 11.12 (1.43%) | 10.96 (18.07%) | 9.29 (-2.79%) |
Earnings Per Share (EPS) | 2.45 (-8.58%) | 2.68 (-24.72%) | 3.56 (6.91%) | 3.33 (33.20%) |
Sales Per Share (SPS) | 7.15 (-0.17%) | 7.16 (-13.37%) | 8.27 (5.64%) | 7.83 (19.15%) |
Free Cash Flow Per Share (FCFPS) | 2.2 (-28.70%) | 3.09 (-14.35%) | 3.61 (-25.03%) | 4.81 (160.64%) |
Book Value Per Share (BVPS) | 22.64 (3.33%) | 21.91 (5.69%) | 20.73 (-7.20%) | 22.34 (9.32%) |
Tangible Assets Book Value Per Share (TABVPS) | 280.35 (6.66%) | 262.85 (7.16%) | 245.29 (8.05%) | 227.03 (6.64%) |
Enterprise Value Over EBIT (EV/EBIT) | 12 (33.33%) | 9 (12.50%) | 8 (-20.00%) | 10 (-33.33%) |
Enterprise Value Over EBITDA (EV/EBITDA) | 11.6 (33.83%) | 8.67 (20.32%) | 7.21 (-27.64%) | 9.96 (-30.09%) |
Asset Turnover | 0.03 (-3.70%) | 0.03 (-20.59%) | 0.03 (-2.86%) | 0.04 (9.38%) |
Current Ratio | - | - | - | - |
Dividends | $1.42 (2.90%) | $1.38 (4.55%) | $1.32 (4.76%) | $1.26 (3.28%) |
Free Cash Flow (FCF) | $24,576,000 (-28.32%) | $34,287,000 (-13.95%) | $39,847,000 (-24.73%) | $52,939,000 (161.75%) |
Enterprise Value (EV) | $403,694,933 (23.15%) | $327,804,692 (-7.85%) | $355,747,887 (-22.25%) | $457,579,004 (-6.81%) |
Earnings Before Tax (EBT) | $32,584,000 (-8.73%) | $35,702,000 (-24.66%) | $47,386,000 (7.91%) | $43,913,000 (36.16%) |
Earnings Before Interest Taxes & Depreciation Amortization (EBITDA) | $34,793,000 (-7.98%) | $37,809,000 (-23.42%) | $49,370,000 (7.44%) | $45,952,000 (33.31%) |
Invested Capital | $3,222,906,000 (9.24%) | $2,950,274,000 (5.91%) | $2,785,594,000 (9.43%) | $2,545,483,000 (1.40%) |
Working Capital | - | - | - | - |
Tangible Asset Value | $3,126,364,000 (7.21%) | $2,916,052,000 (7.66%) | $2,708,532,000 (8.50%) | $2,496,453,000 (7.12%) |
Market Capitalization | $305,002,933 (-2.58%) | $313,071,692 (-5.30%) | $330,598,887 (-4.25%) | $345,283,004 (24.17%) |
Average Equity | $249,142,000 (7.13%) | $232,552,000 (2.20%) | $227,542,750 (-3.86%) | $236,683,250 (8.20%) |
Average Assets | $3,090,671,750 (6.78%) | $2,894,368,000 (8.68%) | $2,663,301,000 (7.13%) | $2,486,000,250 (9.74%) |
Invested Capital Average | $3,183,250,250 (9.36%) | $2,910,729,750 (7.74%) | $2,701,582,250 (5.46%) | $2,561,775,250 (4.67%) |
Shares | 11,151,844 (0.52%) | 11,093,965 (0.47%) | 11,042,047 (0.42%) | 10,996,274 (0.44%) |
