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The First Bancorp Inc (FNLC)
NASDAQ:FNLC
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$22.11 - $30.33
Previous CloseN/A
Volume4.61K
Average Volume (3M)17.46K
Market Cap
$310.44M
Enterprise Value$471.15M
Total Cash (Recent Filing)$38.84M
Total Debt (Recent Filing)$152.97M
Price to Earnings (P/E)7.2
Beta0.57
Next Earnings
Apr 22, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield5.24%
Share Statistics
EPS (TTM)0.91
Shares Outstanding11,219,320
10 Day Avg. Volume13,450
30 Day Avg. Volume17,457
Financial Highlights & Ratios
PEG Ratio-1.30
Price to Book (P/B)1.20
Price to Sales (P/S)1.83
P/FCF Ratio12.30
Enterprise Value/Market Cap1.52
Enterprise Value/Revenue2.68
Enterprise Value/Gross Profit5.35
Enterprise Value/Ebitda11.67
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
Sustained Revenue GrowthConsistent top-line expansion indicates durable loan originations and fee growth across the franchise. A multi-percent revenue increase year-over-year supports longer-term earnings power and underpins investment in branches, digital channels, and relationship banking over the next 2–6 months.
Strong Cash GenerationRobust and improving free cash flow, roughly 0.92x of net income, signals high earnings quality and internal funding for growth, capital returns, and reserves. This durable cash conversion reduces reliance on external financing and supports sustained dividend capacity and balance sheet flexibility.
Improving Capital And ROERising equity and higher ROE reflect strengthened capital generation and more efficient use of capital. This improves resilience to credit cycles, supports organic growth and dividend policy, and provides room for strategic investments without materially increasing leverage.
Bears Say
Profitability Below Prior PeakAlthough margins improved recently, they have not returned to prior cyclical highs. This suggests structural pressure from competition, funding costs, or mix shifts that could limit long-run profitability and ROI relative to the bank’s historical peak performance over the next several quarters.
Inconsistent Ratio ReportingKey leverage and coverage metrics being reported as zero undermines confidence in quantitative risk assessment. Persistent data gaps reduce visibility into solvency and leverage trends, complicating durable credit and capital adequacy analysis for investors and regulators over months ahead.
Moderate Debt And Historical Leverage VolatilityWhile current debt appears moderate versus equity, historical leverage swings indicate sensitivity to funding and economic cycles. This raises structural risk that adverse credit or rate environments could pressure capital ratios, margins, or require deleveraging measures over a multi-month horizon.
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 $22.11 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 $310.44M.
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 46 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 $0.91 earnings per share for the quarter, beating the consensus estimate of N/A by $0.91.
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 11,219,320 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 $0.91 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -0.615%.
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
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3
4
5
6
7
8
9
10
Hedge Fund Trend
Decreased
By 164.0 Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.0%
Last 30 Days ▼ 4.4%
Last 30 Days ▼ 4.4%
Technicals
SMA
Positive
20 days / 200 days
Momentum
15.41%
12-Months-Change
Fundamentals
Return on Equity
12.84%
Trailing 12-Months
Asset Growth
0.07%
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
5.35% Insiders
10.68% Mutual Funds
9.52% Other Institutional Investors
64.34% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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