The First Bancorp Inc (FNLC)
NASDAQ:FNLC
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FNLC Stock Chart & Stats
$28.33
-$0.20(-0.77%)
At close: 4:00 PM EST
$28.33
-$0.20(-0.77%)
Day’s Range― - ―
52-Week Range$22.84 - $30.33
Previous CloseN/A
Volume4.61K
Average Volume (3M)18.46K
Market Cap
$324.47M
Enterprise Value$483.16M
Total Cash (Recent Filing)$292.26M
Total Debt (Recent Filing)$187.82M
Price to Earnings (P/E)8.5
Beta0.54
Next Earnings
Apr 22, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield5.24%
Share Statistics
EPS (TTM)0.91
Shares Outstanding11,270,319
10 Day Avg. Volume17,456
30 Day Avg. Volume18,457
Financial Highlights & Ratios
PEG Ratio0.32
Price to Book (P/B)1.03
Price to Sales (P/S)1.65
P/FCF Ratio8.47
Enterprise Value/Market Cap1.49
Enterprise Value/Revenue2.72
Enterprise Value/Gross Profit5.20
Enterprise Value/Ebitda11.09
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Revenue GrowthSustained top-line growth over multiple years indicates durable demand for core banking products. For a community bank, consistent revenue expansion broadens net interest and fee bases, enhancing capacity to absorb expenses, fund loan growth, and support dividends over the next several quarters.
Margin SustainabilitySolid operating and net margins in 2025 reflect a profitable core franchise with healthy spreads and fee income. While below prior peaks, these margins are strong enough to support internal investment, dividend payouts, and build capital given steady revenue, improving long-term resilience.
Consistent Dividend PolicyA maintained, sizable quarterly dividend demonstrates management and board confidence in recurring earnings and capital adequacy. For income-oriented investors, a stable payout policy indicates disciplined capital allocation and a durable source of shareholder returns barring major shocks.
Bears Say
Rising LeverageThe recent uptick in debt reduces financial flexibility and raises interest‑cost sensitivity. Higher leverage can constrain capital actions, magnify earnings volatility in a rate or credit swing, and increases risk if loan losses or deposit pressures emerge over the medium term.
Cash Flow VolatilityIrregular free cash flow and a large 2025 spike impair confidence in steady cash conversion. Volatile cash generation complicates planning for dividends, loan funding, and reserves; if the spike is classification-driven, it offers limited assurance about sustainable cash available for capital needs.
Margin Compression Vs Peak YearsPersistent compression from earlier peak margins suggests structural pressures—competitive pricing, funding cost shifts, or mix changes—that could constrain long-term profitability. Uneven net income history raises questions about consistency of earnings through cycles.
First Bancorp News
FNLC FAQ
What was The First Bancorp Inc’s price range in the past 12 months?
The First Bancorp Inc lowest stock price was $22.84 and its highest was $30.33 in the past 12 months.
What is The First Bancorp Inc’s market cap?
The First Bancorp Inc’s market cap is $324.47M.
When is The First Bancorp Inc’s upcoming earnings report date?
The First Bancorp Inc’s upcoming earnings report date is Apr 22, 2026 which is in 5 days.
How were The First Bancorp Inc’s earnings last quarter?
The First Bancorp Inc released its earnings results on Jan 21, 2026. The company reported $0.906 earnings per share for the quarter, beating the consensus estimate of N/A by $0.906.
Is The First Bancorp Inc overvalued?
According to Wall Street analysts The First Bancorp Inc’s price is currently Overvalued.
Does The First Bancorp Inc pay dividends?
The First Bancorp Inc pays a Quarterly dividend of $0.37 which represents an annual dividend yield of 5.24%. See more information on The First Bancorp Inc dividends here
What is The First Bancorp Inc’s EPS estimate?
The First Bancorp Inc’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does The First Bancorp Inc have?
The First Bancorp Inc has 11,270,319 shares outstanding.
What happened to The First Bancorp Inc’s price movement after its last earnings report?
The First Bancorp Inc reported an EPS of $0.906 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -0.616%.
Which hedge fund is a major shareholder of The First Bancorp Inc?
Currently, no hedge funds are holding shares in FNLC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
First Bancorp Stock Smart Score
Neutral
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Blogger Sentiment
Bullish
FNLC Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 164.0 Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
14.16%
12-Months-Change
Fundamentals
Return on Equity
12.70%
Trailing 12-Months
Asset Growth
0.29%
Trailing 12-Months
Company Description
The First Bancorp Inc
The First Bancorp, Inc. operates as the holding company for First National Bank that provides a range of banking products and services to individuals and businesses. It offers various deposit products, including demand, NOW, savings, money market, and certificates of deposit accounts. The company also provides commercial real estate loan products, such as mortgage loans to finance investments in real property comprising multi-family residential, commercial/retail, office, industrial, hotel, educational, and other specific or mixed use properties; commercial construction loans to finance construction of owner- and non-owner occupied commercial real estate properties; and other commercial loans, which include revolving and term loan obligations to business and corporate enterprises for the purpose of financing working capital or capital investment. In addition, it offers municipal loans for capitalized expenditures, construction projects, or tax-anticipation notes; residential term loans that include amortizing home mortgages and construction loans, which include loans for owner-occupied residential construction; home equity loans and lines of credit; and consumer loans, which are amortizing loans to individuals collateralized by automobiles, pleasure crafts, and recreation vehicles, as well as unsecured short-term time notes. Further, the company provides private banking, financial planning, investment management, and trust services to individuals, businesses, non-profit organizations, and municipalities, as well as payment processing services. It operates through 18 full-service banking offices in Lincoln, Knox, Waldo, Penobscot, Hancock, and Washington counties in the Mid-Coast, Eastern, and Down East regions of Maine. The company was formerly known as First National Lincoln Corporation and changed its name to The First Bancorp, Inc. in April 2008. The First Bancorp, Inc. was founded in 1864 and is based in Damariscotta, Maine.
Technical Analysis
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Ownership Overview
5.02% Insiders
10.73% Mutual Funds
9.48% Other Institutional Investors
64.59% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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