First Bancorp (FNLC) AI Stock Analysis

• Market Cap: $322.33M
• Dividend Yield: 5.24%
• Average Volume (3M): 18.46K
• Price to Earnings (P/E): 8.5
• Beta (1Y): 0.56
• Revenue Growth: 10.46%
• EPS Growth: 18.70%
• Country: US
• Employees: 284
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.91
• Shares Outstanding: 11,270,319
• 10 Day Avg. Volume: 17,456
• 30 Day Avg. Volume: 18,457
• PEG Ratio: 0.32
• Price to Book (P/B): 1.03
• Price to Sales (P/S): 1.65
• P/FCF Ratio: 8.47
• Enterprise Value/Market Cap: 1.50
• Enterprise Value/Revenue: 2.72
• Enterprise Value/Gross Profit: 5.19
• Enterprise Value/Ebitda: 11.07
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 70 Outperform
• Price Target: $31.00 ▲(9.42% Upside)
• Action: Upgraded Date: 03/27/26
• Date: Action: Upgraded 03/27/26

FNLC scores as moderately attractive: valuation is the biggest positive (low P/E and high dividend yield), while financial performance is solid but tempered by margin compression versus peak years, rising debt since 2023, and volatile cash flow comparability. Technical signals are mixed, and recent corporate updates are positive but incremental.

Positive Factors

Revenue Growth

Sustained 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.

Negative Factors

Rising Leverage

The 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.

First Bancorp Business Overview & Revenue Model

Company Description

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,...

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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,...

How the Company Makes Money

First Bancorp primarily makes money through its banking subsidiary by earning net interest income and generating fee-based (noninterest) income. Net interest income is the largest driver for most community banks and comes from the spread between (...

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First Bancorp primarily makes money through its banking subsidiary by earning net interest income and generating fee-based (noninterest) income. Net interest income is the largest driver for most community banks and comes from the spread between (...

First Bancorp Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	177.61M	165.43M	143.62M	109.91M	96.46M
Gross Profit	92.87M	79.74M	79.46M	91.29M	86.06M
EBITDA	41.94M	34.79M	37.81M	49.37M	45.95M
Net Income	34.39M	27.05M	29.52M	38.99M	36.27M
Balance Sheet
Total Assets	3.17B	3.16B	2.95B	2.74B	2.53B
Cash, Cash Equivalents and Short-Term Investments	292.26M	324.42M	317.48M	310.93M	407.88M
Total Debt	187.82M	146.28M	69.65M	103.48M	136.34M
Total Liabilities	2.88B	2.90B	2.70B	2.51B	2.28B
Stockholders Equity	283.14M	252.49M	243.08M	228.92M	245.66M
Cash Flow
Free Cash Flow	34.59M	24.57M	34.28M	39.81M	52.94M
Operating Cash Flow	37.81M	26.05M	36.92M	41.21M	56.69M
Investing Cash Flow	-3.00M	-217.42M	-199.81M	-247.58M	-201.75M
Financing Cash Flow	-34.67M	187.07M	172.10M	208.46M	139.48M

First Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 28.33
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FNLC, the sentiment is Positive. The current price of 28.33 is above the 20-day moving average (MA) of 27.69, above the 50-day MA of 28.05, and above the 200-day MA of 26.13, indicating a bullish trend. The MACD of 0.09 indicates Negative momentum. The RSI at 57.85 is Neutral, neither overbought nor oversold. The STOCH value of 75.11 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FNLC.

First Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NECB	71 Outperform	$337.00M	6.75	13.07%	4.11%	-0.72%	-7.24%
CZFS	71 Outperform	$304.83M	7.48	11.36%	3.38%	2.16%	24.43%
FNLC	70 Outperform	$322.33M	8.51	12.70%	5.24%	10.46%	18.70%
PCB	70 Outperform	$326.62M	8.21	9.62%	3.57%	10.93%	42.68%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PLBC	67 Neutral	$344.76M	7.08	13.35%	2.63%	11.98%	-10.12%
WSBF	62 Neutral	$334.33M	11.18	7.67%	3.59%	-0.09%	83.67%

First Bancorp Corporate Events