FNLC
The First Bancorp, Inc.
Price Chart
Latest Quote
$33.12
+2.74 (+9.02%)
Current Price
| Previous Close | $30.38 |
| Open | $30.65 |
| Day High | $33.90 |
| Day Low | $30.65 |
| Volume | 113,517 |
Stock Information
| Quarterly Dividend / Yield | $1.48 / 4.46% |
| Shares Outstanding | 11.28M |
| Quarterly Dividend Yield | 4.46% |
| Quarterly Dividend | $1.48 |
| Total Debt | $200.89M |
| Cash Equivalents | $59.03M |
| Revenue | $95.98M |
| Net Income | $36.31M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $373.45M |
| P/E Ratio | 10.22 |
| EPS (TTM) | $3.24 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $515.31M |
| Sales | $95.98M |
| Income | $36.31M |
| Book/sh | $25.44 |
| Cash/sh | $5.24 |
| Employees | 278 |
Financial Ratios
| EPS Growth TTM | 27.10% |
Returns & Margins
| ROA | 1.14% |
| ROE | 13.29% |
| Operating Margin | 46.82% |
| Profit Margin | 37.83% |
Ownership
| Insider Ownership | 4.93% |
| Institutional Ownership | 52.65% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 3.89 |
| P/B | 1.30 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $29.79 |
| SMA50 | $29.19 |
| SMA200 | $26.99 |
| RSI | 76.48 |
| ATR | 1.3293 |
| Shares Float | 10.66M |
| Short Float | 0.77% |
| Short Ratio | 5.37 |
| Volatility | 0.52 |
| Rel Volume | 4.46 |
Performance History
| Week | +7.71% |
| Month | +15.44% |
| Quarter | +24.82% |
| 6 Months | +20.21% |
| YTD | +28.72% |
| Year | +47.83% |
| 3 Years | +50.81% |
| 5 Years | +37.40% |
| 10 Years | +146.66% |
Stock Score:
â Premium
Based on debt, profitability, growth, and cash flow metrics
â Premium Feature
Sign up for free to view detailed scoring breakdown â premium is free during our trial period!
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-22 | $33.12 | 119,200 |
| 2026-06-18 | $30.38 | 51,800 |
| 2026-06-17 | $29.91 | 18,800 |
| 2026-06-16 | $30.25 | 19,200 |
| 2026-06-15 | $30.10 | 14,300 |
| 2026-06-12 | $30.75 | 19,000 |
| 2026-06-11 | $30.52 | 20,700 |
| 2026-06-10 | $30.80 | 28,700 |
| 2026-06-09 | $30.06 | 24,700 |
| 2026-06-08 | $29.63 | 13,400 |
| 2026-06-05 | $29.81 | 26,300 |
| 2026-06-04 | $29.33 | 14,800 |
| 2026-06-03 | $28.57 | 27,000 |
| 2026-06-02 | $29.07 | 26,800 |
| 2026-06-01 | $28.73 | 22,400 |
| 2026-05-29 | $29.11 | 19,600 |
| 2026-05-28 | $29.18 | 10,900 |
| 2026-05-27 | $29.05 | 16,500 |
| 2026-05-26 | $28.94 | 23,700 |
About The First Bancorp, Inc.
The First Bancorp, Inc. operates as the bank holding company for First National Bank that provides a range of banking products and services to individual and corporate customers. It accepts various deposit products, including demand, NOW, time, savings, money market, and certificates of deposit accounts. The company also provides commercial loans, such as mortgage loans to finance investments in real property, which includes retail spaces, offices, industrial buildings, hotels, educational facilities, and other specific or mixed use properties; commercial real estate non-owner occupied loans; commercial construction to finance construction in a mix of owner- and nonowner occupied commercial real estate properties; and commercial and industrial loans, including revolving and term loans for financing working capital and/or capital investment. In addition, it offers commercial multifamily loans; residential real estate term and construction loans; loans to municipalities in Maine for capitalized expenditures, construction projects, or tax anticipation notes; home equity revolving and term loans; and personal lines of credit and amortizing loans for various purposes, such as autos, recreational vehicles, debt consolidation, personal expenses, or overdraft protection. Further, the company offers private banking, financial planning, investment management, and trust services to individuals, businesses, non-profit organizations, and municipalities, as well as brokerage, annuity, and various insurance products. It operates through 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.
đ° Latest News
Undervalued Small Caps With Insider Buying To Enhance Your Portfolio
Simply Wall St. âĸ 2026-05-20T11:39:53Z
First Bancorp (FNLC) Shareholders OK All Annual Meeting Proposals as Chair Tindall Retires
MarketBeat âĸ 2026-04-29T23:23:30Z
US Market's Hidden Treasures: Discover 3 Undiscovered Gems
Simply Wall St. âĸ 2026-02-06T17:33:45Z
The First Bancorp Inc.: Q4 Earnings Snapshot
Associated Press Finance âĸ 2026-01-21T21:33:09ZFavourable Signals For First Bancorp: Numerous Insiders Acquired Stock
Simply Wall St. âĸ 2026-01-14T18:22:41Z
US Undiscovered Gems These 3 Stocks to Watch Closely
Simply Wall St. âĸ 2025-12-18T17:33:06Z
The First Bancorp, Inc. (NASDAQ:FNLC) is largely controlled by institutional shareholders who own 52% of the company
Simply Wall St. âĸ 2025-12-18T11:24:23Z
First Bancorp (FNLC) Margin Beat Challenges Cautious Growth Narratives
Simply Wall St. âĸ 2025-10-24T20:10:48Z
The First Bancorp Inc.: Q3 Earnings Snapshot
Associated Press Finance âĸ 2025-10-22T20:56:34ZUncovering 3 US Hidden Gems with Promising Potential
Simply Wall St. âĸ 2025-10-02T17:33:06Z
Period:
Loading...
Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $94,767,000 | $80,503,000 | $80,648,000 | $93,040,000 |
| Operating Revenue | $94,767,000 | $80,503,000 | $80,648,000 | $93,040,000 |
| Expenses | ||||
| Interest Expense | $82,894,000 | $84,922,000 | $62,967,000 | $16,869,000 |
| General And Administrative Expense | $29,720,000 | $26,621,000 | $23,904,000 | $24,384,000 |
| Other Non Interest Expense | $11,910,000 | $11,514,000 | $11,118,000 | $11,341,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $34,394,000 | $27,045,000 | $29,518,000 | $38,990,000 |
| Net Interest Income | $77,377,000 | $63,910,000 | $65,207,000 | $76,166,000 |
| Interest Income | $160,271,000 | $148,832,000 | $128,174,000 | $93,035,000 |
| Normalized Income | $34,394,000 | $27,045,000 | $29,518,000 | $38,990,000 |
| Net Income From Continuing And Discontinued Operation | $34,394,000 | $27,045,000 | $29,518,000 | $38,990,000 |
| Net Income Common Stockholders | $34,394,000 | $27,045,000 | $29,518,000 | $38,990,000 |
| Net Income | $34,394,000 | $27,045,000 | $29,518,000 | $38,990,000 |
| Net Income Including Noncontrolling Interests | $34,394,000 | $27,045,000 | $29,518,000 | $38,990,000 |
| Net Income Continuous Operations | $34,394,000 | $27,045,000 | $29,518,000 | $38,990,000 |
| Pretax Income | $41,939,000 | $32,584,000 | $35,702,000 | $47,386,000 |
| Depreciation Amortization Depletion Income Statement | $26,000 | $26,000 | $26,000 | $69,000 |
| Depreciation And Amortization In Income Statement | $26,000 | $26,000 | $26,000 | $69,000 |
| Amortization Of Intangibles Income Statement | $26,000 | $26,000 | $26,000 | $69,000 |
| Special Income Charges | - | - | - | $0 |
| Per Share | ||||
| Diluted EPS | $3.07 | $2.43 | $2.66 | $3.53 |
| Basic EPS | $3.10 | $2.45 | $2.68 | $3.56 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $2,208,000 | $2,209,000 | $2,107,000 | $1,984,000 |
| Diluted Average Shares | $11,203,257 | $11,129,630 | $11,097,368 | $11,045,326 |
| Basic Average Shares | $11,094,839 | $11,038,776 | $11,014,552 | $10,952,247 |
| Diluted NI Availto Com Stockholders | $34,394,000 | $27,045,000 | $29,518,000 | $38,990,000 |
| Tax Provision | $7,545,000 | $5,539,000 | $6,184,000 | $8,396,000 |
| Gain On Sale Of Security | $50,000 | $238,000 | $4,000 | $7,000 |
| Amortization | $26,000 | $26,000 | $26,000 | $69,000 |
| Selling General And Administration | $29,720,000 | $26,621,000 | $23,904,000 | $24,384,000 |
| Insurance And Claims | $2,722,000 | $2,391,000 | $1,962,000 | $1,068,000 |
| Salaries And Wages | $26,998,000 | $24,230,000 | $21,942,000 | $23,316,000 |
| Occupancy And Equipment | $9,272,000 | $8,995,000 | $8,710,000 | $8,110,000 |
| Total Unusual Items | - | - | - | $0 |
| Total Unusual Items Excluding Goodwill | - | - | - | $0 |
| Restructuring And Mergern Acquisition | - | - | - | $0 |
Fetched: 2026-06-21
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $252,497,000 | $221,847,000 | $212,433,000 | $198,277,000 |
| Total Assets | $3,166,303,000 | $3,157,010,000 | $2,946,698,000 | $2,739,178,000 |
| Goodwill And Other Intangible Assets | $30,646,000 | $30,646,000 | $30,646,000 | $30,646,000 |
| Receivables | $14,185,000 | $13,976,000 | $11,894,000 | $9,829,000 |
| Accounts Receivable | $14,185,000 | $13,976,000 | $11,894,000 | $9,829,000 |
| Cash And Cash Equivalents | $31,903,000 | $49,736,000 | $35,430,000 | $26,421,000 |
| Cash Financial | $27,779,000 | $27,636,000 | $31,942,000 | $22,728,000 |
| Cash Cash Equivalents And Federal Funds Sold | $40,178,000 | $56,939,000 | $38,815,000 | $30,304,000 |
| Debt | ||||
| Net Debt | $105,597,000 | $45,264,000 | - | $12,653,000 |
| Total Debt | $137,500,000 | $95,000,000 | $20,076,000 | $39,074,000 |
| Long Term Debt And Capital Lease Obligation | $95,500,000 | $95,000,000 | - | $84,000 |
| Long Term Debt | $95,500,000 | $95,000,000 | - | $84,000 |
| Current Debt And Capital Lease Obligation | $42,000,000 | - | $20,076,000 | $38,990,000 |
| Current Debt | $42,000,000 | - | $20,076,000 | $38,990,000 |
| Other Current Borrowings | $42,000,000 | - | $20,076,000 | $38,990,000 |
| Liabilities | ||||
| Minimum Pension Liabilities | $240,000 | $287,000 | $303,000 | $273,000 |
| Total Liabilities Net Minority Interest | $2,883,160,000 | $2,904,517,000 | $2,703,619,000 | $2,510,255,000 |
| Equity | ||||
| Common Stock Equity | $283,143,000 | $252,493,000 | $243,079,000 | $228,923,000 |
| Total Equity Gross Minority Interest | $283,143,000 | $252,493,000 | $243,079,000 | $228,923,000 |
| Stockholders Equity | $283,143,000 | $252,493,000 | $243,079,000 | $228,923,000 |
| Gains Losses Not Affecting Retained Earnings | $-31,139,000 | $-42,274,000 | $-39,028,000 | $-43,965,000 |
| Retained Earnings | $240,456,000 | $222,823,000 | $211,925,000 | $204,343,000 |
| Other Equity Adjustments | - | $157,000 | $300,000 | $544,000 |
| Other | ||||
| Ordinary Shares Number | $11,222,363 | $11,155,528 | $11,098,057 | $11,045,186 |
| Share Issued | $11,222,363 | $11,155,528 | $11,098,057 | $11,045,186 |
| Tangible Book Value | $252,497,000 | $221,847,000 | $212,433,000 | $198,277,000 |
| Invested Capital | $420,643,000 | $347,493,000 | $263,155,000 | $267,997,000 |
| Total Capitalization | $378,643,000 | $347,493,000 | - | $229,007,000 |
| Unrealized Gain Loss | $-31,379,000 | $-42,718,000 | $-39,631,000 | $-44,782,000 |
| Additional Paid In Capital | $73,714,000 | $71,832,000 | $70,071,000 | $68,435,000 |
| Capital Stock | $112,000 | $112,000 | $111,000 | $110,000 |
| Common Stock | $112,000 | $112,000 | $111,000 | $110,000 |
| Investments And Advances | $620,408,000 | $644,384,000 | $667,288,000 | $678,405,000 |
| Held To Maturity Securities | $355,928,000 | $369,704,000 | $385,235,000 | $393,896,000 |
| Goodwill | $30,646,000 | $30,646,000 | $30,646,000 | $30,646,000 |
| Net PPE | $28,767,000 | $27,855,000 | $28,684,000 | $28,277,000 |
| Accumulated Depreciation | $-26,450,000 | $-24,670,000 | $-22,936,000 | $-22,542,000 |
| Gross PPE | $55,217,000 | $52,525,000 | $51,620,000 | $50,819,000 |
| Other Properties | $12,183,000 | $11,217,000 | $11,161,000 | $11,659,000 |
| Buildings And Improvements | $34,748,000 | $33,033,000 | $32,180,000 | $30,873,000 |
| Land And Improvements | $8,286,000 | $8,275,000 | $8,279,000 | $8,287,000 |
| Other Short Term Investments | $264,480,000 | $274,680,000 | $282,053,000 | $284,509,000 |
| Machinery Furniture Equipment | - | - | - | $11,659,000 |
Fetched: 2026-06-21
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $34,594,000 | $24,572,000 | $34,284,000 | $39,809,000 |
| Operating Activities | ||||
| Operating Cash Flow | $37,814,000 | $26,047,000 | $36,919,000 | $41,213,000 |
| Cash Flow From Continuing Operating Activities | $37,814,000 | $26,047,000 | $36,919,000 | $41,213,000 |
| Operating Gains Losses | $-204,000 | $-139,000 | $-59,000 | $-428,000 |
| Investing Activities | ||||
| Capital Expenditure | $-3,220,000 | $-1,475,000 | $-2,635,000 | $-1,404,000 |
| Investing Cash Flow | $-3,002,000 | $-217,420,000 | $-199,808,000 | $-247,580,000 |
| Cash Flow From Continuing Investing Activities | $-3,002,000 | $-217,420,000 | $-199,808,000 | $-247,580,000 |
| Net Other Investing Changes | $-866,000 | $-3,818,000 | $604,000 | $1,532,000 |
| Capital Expenditure Reported | $-3,220,000 | $-1,475,000 | $-2,635,000 | $-1,404,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-282,000 | $-212,000 | $-250,000 | $-277,000 |
| Issuance Of Capital Stock | $916,000 | $867,000 | $817,000 | $796,000 |
| Financing Cash Flow | $-34,669,000 | $187,067,000 | $172,103,000 | $208,461,000 |
| Cash Flow From Continuing Financing Activities | $-34,669,000 | $187,067,000 | $172,103,000 | $208,461,000 |
| Cash Dividends Paid | $-16,347,000 | $-15,803,000 | $-15,418,000 | $-14,779,000 |
| Common Stock Dividend Paid | $-16,347,000 | $-15,803,000 | $-15,418,000 | $-14,779,000 |
| Net Common Stock Issuance | $634,000 | $655,000 | $567,000 | $519,000 |
| Common Stock Issuance | $916,000 | $867,000 | $817,000 | $796,000 |
| Other | ||||
| Repayment Of Debt | $0 | $0 | $-84,000 | $-55,007,000 |
| Issuance Of Debt | $500,000 | $95,000,000 | $0 | $0 |
| Interest Paid Supplemental Data | $82,978,000 | $84,441,000 | $62,228,000 | $16,068,000 |
| Income Tax Paid Supplemental Data | $5,670,000 | $4,527,000 | $5,621,000 | $8,010,000 |
| End Cash Position | $27,779,000 | $27,636,000 | $31,942,000 | $22,728,000 |
| Beginning Cash Position | $27,636,000 | $31,942,000 | $22,728,000 | $20,634,000 |
| Changes In Cash | $143,000 | $-4,306,000 | $9,214,000 | $2,094,000 |
| Common Stock Payments | $-282,000 | $-212,000 | $-250,000 | $-277,000 |
| Net Issuance Payments Of Debt | $41,543,000 | $76,626,000 | $-33,831,000 | $-32,859,000 |
| Net Short Term Debt Issuance | $41,043,000 | $-18,374,000 | $-33,747,000 | $22,148,000 |
| Net Long Term Debt Issuance | $500,000 | $95,000,000 | $-84,000 | $-55,007,000 |
| Long Term Debt Payments | $0 | $0 | $-84,000 | $-55,007,000 |
| Long Term Debt Issuance | $500,000 | $95,000,000 | $0 | $0 |
| Net Investment Purchase And Sale | $37,810,000 | $18,638,000 | $17,092,000 | $-43,107,000 |
| Sale Of Investment | $53,168,000 | $48,106,000 | $105,673,000 | $59,850,000 |
| Purchase Of Investment | $-15,358,000 | $-29,468,000 | $-88,581,000 | $-102,957,000 |
| Net PPE Purchase And Sale | $22,000 | $4,000 | $3,000 | $38,000 |
| Sale Of PPE | $22,000 | $4,000 | $3,000 | $38,000 |
| Change In Working Capital | $-3,489,000 | $-6,337,000 | $3,944,000 | $-4,020,000 |
| Change In Other Current Liabilities | $-2,542,000 | $-923,000 | $4,624,000 | $17,423,000 |
| Change In Other Current Assets | $-947,000 | $-5,414,000 | $-680,000 | $-21,443,000 |
| Other Non Cash Items | $187,000 | $204,000 | $351,000 | $1,036,000 |
| Stock Based Compensation | $966,000 | $895,000 | $820,000 | $809,000 |
| Deferred Tax | $1,334,000 | $1,049,000 | $-1,057,000 | $178,000 |
| Deferred Income Tax | $1,334,000 | $1,049,000 | $-1,057,000 | $178,000 |
| Depreciation Amortization Depletion | $2,208,000 | $2,209,000 | $2,107,000 | $1,984,000 |
| Depreciation And Amortization | $2,208,000 | $2,209,000 | $2,107,000 | $1,984,000 |
| Depreciation | $2,208,000 | $2,209,000 | $2,107,000 | $1,984,000 |
| Gain Loss On Sale Of PPE | $-10,000 | $4,000 | $33,000 | $-15,000 |
| Net Income From Continuing Operations | $34,394,000 | $27,045,000 | $29,518,000 | $38,990,000 |
| Gain Loss On Investment Securities | - | $0 | $0 | $-7,000 |
| Earnings Losses From Equity Investments | - | - | $303,000 | $305,000 |
| Net Business Purchase And Sale | - | - | - | $0 |
| Purchase Of Business | - | - | - | $0 |
| Change In Other Working Capital | - | - | - | - |
| Amortization Of Securities | - | - | - | - |
Fetched: 2026-06-21