The First Bancorp Inc (FNLC)
NASDAQ:FNLC
Want to see FNLC full AI Analyst Report?
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$23.41 - $30.33
Previous CloseN/A
Volume4.61K
Average Volume (3M)18.46K
Market Cap
$329.03M
Enterprise Value$500.43M
Total Cash (Recent Filing)$23.61M
Total Debt (Recent Filing)$195.80M
Price to Earnings (P/E)8.9
Beta0.56
Next Earnings
Jul 22, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield5.24%
Share Statistics
EPS (TTM)3.28
Shares Outstanding11,275,758
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 Cap1.52
Enterprise Value/Revenue2.88
Enterprise Value/Gross Profit5.43
Enterprise Value/Ebitda12.23
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
Profitability / ROETTM net margin around 21% and ~13% ROE indicate durable core profitability for a regional bank. That level of earnings power supports internal capital generation, cushions credit cycles, and provides a stable base to fund lending, investments, and shareholder distributions over the next several months.
Balance Sheet HealthModerate debt-to-equity (~0.66–0.68) and steady equity growth signal a generally healthy balance sheet. This conservative leverage profile gives the bank flexibility to absorb loan losses, maintain regulatory cushions, and continue lending activity without aggressive external funding needs in the medium term.
Capital Return DisciplineA recurring cash dividend and a 5%+ yield reflect management and board confidence in cash generation. Given free cash flow has generally tracked net income (roughly 0.91–0.98x), the payout appears supported by earnings and cash conversion, reinforcing a shareholder-friendly, durable capital-return policy.
Bears Say
Slowing Revenue GrowthA meaningful deceleration in revenue growth reduces the bank's ability to expand net interest and fee income organically. Over a 2–6 month horizon this constrains loan book expansion, limits margin recovery potential, and increases reliance on cost control or higher-risk loan growth to meet earnings targets.
Volatile Cash Flow / One-offsMaterial volatility and extreme TTM cash flow readings suggest timing or one-off items that obscure true cash conversion. This undermines confidence in recurring free cash flow, complicates dividend sustainability assessment, and raises execution risk for capital deployment or balance sheet management.
Rising Debt Vs Prior YearAn increase in debt since 2023 tightens financial flexibility and raises sensitivity to profit shocks or funding cost rises. If margins compress or credit costs increase, higher leverage could force tougher capital choices, constrain growth initiatives, or pressure liquidity management over the medium term.
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 $23.41 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 $329.03M.
When is The First Bancorp Inc’s upcoming earnings report date?
The First Bancorp Inc’s upcoming earnings report date is Jul 22, 2026 which is in 52 days.
How were The First Bancorp Inc’s earnings last quarter?
The First Bancorp Inc released its earnings results on Apr 22, 2026. The company reported $0.799 earnings per share for the quarter, beating the consensus estimate of N/A by $0.799.
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 11,275,758 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 $0.799 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 1.748%.
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
1
2
3
4
5
6
7
8
9
10
Blogger Sentiment
Bullish
FNLC Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 164.0 Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $43.0K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
14.16%
12-Months-Change
Fundamentals
Return on Equity
13.08%
Trailing 12-Months
Asset Growth
0.42%
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
Northeast Community Bancorp
―
Plumas Bancorp
―
Waterstone Financial
―
Citizens Financial Services
―
PCB Bancorp
―
Ownership Overview
5.03% Insiders
10.85% Mutual Funds
9.82% Other Institutional Investors
63.73% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---