The First Bancorp, Inc. FNLC R2K
Company Overview
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.
Why Investors Should Care
Trades at a P/E of 10.4, below the sector median of 13.3.
Maintains a net profit margin of 37.8%.
Offers a dividend yield of 4.82%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +14.5%, earnings +27.0%.
- 5-Year Trend Long-term compounding — profit CAGR 5.4%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 14.50% |
Compounded Profit Growth
| 5 Years: | 5.41% |
| 1 Year: | 27.00% |
Stock Price Performance
| 1 Year: | +36.91% |
| 6 Months: | +30.58% |
| 3 Months: | +16.58% |
| 1 Month: | +11.92% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)60.96 · Neutral
P/E of 10.43 is below the sector median of 13.30 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 37.8%.
- Attractive dividend yield of 4.82%.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | FNLC The First Bancorp, Inc. R2K | 33.79 | 10.43 | $381.01M | 4.82% | - | 13.29% | - | 5.41% |
| 2 | JPM JPMorgan Chase & Co. SPX | 342.89 | 16.42 | $918.78B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 491.09 | 14.61 | $686.70B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 356.02 | 31.01 | $590.89B | 0.83% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 538.02 | 31.10 | $471.86B | 0.71% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 60.62 | 15.04 | $430.20B | 2.00% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 227.67 | 20.62 | $359.10B | 1.87% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,140.00 | 20.83 | $336.31B | 1.69% | - | 14.55% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 85.29 | 13.18 | $261.00B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 4.62M | 4.56M | 4.32M | 4.64M | 4.88M | 4.98M | 5.09M | 5.51M | 5.73M | 5.93M | 6.36M | 6.16M | 6.39M | 6.29M | 6.69M | 6.50M | 6.57M | 7.09M | 6.97M | 8.92M | 8.79M | 9.01M | 9.55M | 9.71M | 10.00M | 10.09M | 9.20M | 7.97M | 7.39M | 7.47M | 6.68M | 6.02M | 6.17M | 7.57M | 7.28M | 7.08M | 8.06M | 9.08M | 10.17M | 8.99M |
| Diluted EPS | 0.43 | 0.42 | 0.39 | 0.43 | 0.45 | 0.46 | 0.47 | 0.51 | 0.53 | 0.55 | 0.58 | 0.57 | 0.59 | 0.58 | 0.60 | 0.60 | 0.60 | 0.65 | 0.63 | 0.81 | 0.80 | 0.82 | 0.87 | 0.88 | 0.91 | 0.91 | 0.83 | 0.72 | 0.67 | 0.67 | 0.60 | 0.54 | 0.55 | 0.68 | 0.66 | 0.63 | 0.72 | 0.81 | 0.91 | 0.80 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 14.03M | 13.04M | 12.12M | 12.36M | 12.69M | 12.96M | 14.71M | 16.21M | 18.01M | 19.59M | 23.54M | 25.52M | 27.13M | 36.27M | 38.99M | 29.52M | 27.05M | 34.39M |
| Diluted EPS | 1.44 | 1.22 | 1.10 | 1.14 | 1.22 | 1.20 | 1.37 | 1.51 | 1.66 | 1.81 | 2.17 | 2.34 | 2.48 | 3.30 | 3.53 | 2.66 | 2.43 | 3.07 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 1.57B | 1.62B | 1.64B | 1.71B | 1.76B | 1.80B | 1.78B | 1.84B | 1.87B | 1.91B | 1.98B | 1.94B | 1.99B | 2.00B | 2.03B | 2.07B | 2.14B | 2.27B | 2.30B | 2.36B | 2.44B | 2.45B | 2.53B | 2.53B | 2.55B | 2.63B | 2.74B | 2.74B | 2.81B | 2.87B | 2.94B | 2.95B | 2.98B | 3.08B | 3.14B | 3.16B | 3.19B | 3.20B | 3.20B | 3.17B |
| Total Equity | 171.54M | 174.79M | 175.99M | 172.52M | 174.91M | 177.54M | 179.88M | 181.32M | 181.37M | 183.30M | 184.66M | 191.54M | 197.79M | 204.59M | 208.49M | 212.51M | 215.26M | 216.58M | 219.44M | 223.73M | 228.18M | 234.16M | 238.74M | 245.66M | 233.65M | 227.69M | 219.92M | 228.92M | 228.46M | 232.00M | 226.66M | 243.08M | 242.62M | 244.67M | 256.78M | 252.49M | 259.68M | 265.49M | 274.57M | 283.14M |
| Cash & Equivalents | - | - | - | 17.37M | - | - | - | 19.21M | - | - | - | 19.13M | - | - | - | 14.43M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | - | 120.13M | - | - | - | 115.12M | - | - | - | 65.11M | - | - | - | 10.11M | - | - | - | 55.10M | - | - | - | 55.09M | - | - | - | 84.00K | - | - | - | 0 | - | - | - | 95.00M | - | - | - | 95.50M |
| Total Liabilities | - | - | - | 1.54B | - | - | - | 1.66B | - | - | - | 1.75B | - | - | - | 1.86B | - | - | - | 2.14B | - | - | - | 2.28B | - | - | - | 2.51B | - | - | - | 2.70B | - | - | - | 2.90B | - | - | - | 2.88B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 10.88M | 18.73M | 25.65M | 29.73M | 25.02M | 24.98M | 20.46M | 20.74M | 21.19M | 22.27M | 33.84M | 26.05M | 22.70M | 56.69M | 41.21M | 36.92M | 26.05M | 37.81M |
| Investing Cash Flow | -103.17M | -11.84M | -78.13M | 16.18M | -19.27M | -75.96M | -16.75M | -86.35M | -148.18M | -130.06M | -112.08M | -116.28M | -250.07M | -201.75M | -247.58M | -199.81M | -217.42M | -3.00M |
| Financing Cash Flow | 91.89M | -8.42M | 50.99M | -45.63M | -4.91M | 52.59M | -7.22M | 66.85M | 130.05M | 109.63M | 78.16M | 85.53M | 239.15M | 139.48M | 208.46M | 172.10M | 187.07M | -34.67M |
| Capital Expenditure | -796.00K | -3.80M | -2.04M | -1.22M | -1.73M | -2.36M | -1.91M | -927.00K | -2.13M | -2.53M | -1.48M | -1.57M | -2.54M | -3.76M | -1.40M | -2.63M | -1.48M | -3.22M |
| Free Cash Flow | 10.08M | 14.94M | 23.61M | 28.50M | 23.30M | 22.62M | 18.55M | 19.82M | 19.06M | 19.74M | 32.36M | 24.48M | 20.16M | 52.94M | 39.81M | 34.28M | 24.57M | 34.59M |
| Share Buybacks | 1.41M | 263.00K | 0 | 0 | - | 0 | 0 | 180.00K | 129.00K | 154.00K | 168.00K | 183.00K | 156.00K | 253.00K | 277.00K | 250.00K | 212.00K | 282.00K |
| Dividends Paid | 7.28M | 8.65M | 8.87M | 8.75M | 8.31M | 8.66M | 8.89M | 9.35M | 9.81M | 11.46M | 12.05M | 12.96M | 13.33M | 13.95M | 14.78M | 15.42M | 15.80M | 16.35M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| ROE % | - | - | - | - | - | - | - | - | 10.4% | 10.8% | 12.3% | 12.0% | 12.1% | 14.8% | 17.0% | 12.1% | 10.7% | 12.1% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 7.59% | 856.09K | $29.96M |
| 2 | First Bancorp, Inc/ME/ | 6.58% | 741.52K | $25.95M |
| 3 | Dimensional Fund Advisors LP | 4.08% | 459.70K | $16.09M |
| 4 | Vanguard Capital Management LLC | 3.60% | 406.15K | $14.22M |
| 5 | Manufacturers Life Insurance Co. | 3.35% | 378.03K | $13.23M |
| 6 | Geode Capital Management, LLC | 2.13% | 239.99K | $8.40M |
| 7 | State Street Corporation | 1.99% | 224.07K | $7.84M |
| 8 | Morgan Stanley | 1.67% | 188.69K | $6.60M |
| 9 | Renaissance Technologies, LLC | 0.87% | 98.06K | $3.43M |
| 10 | Northern Trust Corporation | 0.75% | 84.45K | $2.96M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for FNLC
First Bancorp (FNLC) CIO retires after 41 years as Brad Martin steps in - Stock Titan
<a href="https://news.google.com/rss/articles/CBMirgFBVV95cUxNOG40aWV5aklSNUpHdmhJSkNIR05ONF83X2NseHN3b0RVY2h0V3pWelEtejdtMVBnS0hTSi1FVWtMalZCUlF1MWJMU3hiRFYyd2NZcll0RTExV1o5emhMLU1pbll0ZGs0SDMwRWZ0TkRfaGpja2NTeE92TTVBQ1ZTcXc0QzB3bkFlU0k1OF…
Understanding the Setup: (FNLC) and Scalable Risk - Stock Traders Daily
<a href="https://news.google.com/rss/articles/CBMixwFBVV95cUxPaTZ2dDA0T094akJDYzF2bndRNWJ6MHp4UHVkeWJWazAzeHBYLUd2MEVaM1VwaHEtVG5YMFZ1NTVLbjNYbGs5VHdjZnI3WE81Y0Y1RlgzNV80ZWlQR2UzTF80ZXZEMHpSbFZzdFNpTFlISWJBemQtdFJyNXZsSXQtZ1d3YUNhd0JYQ1pyVV…
First Bancorp Inc (FNLC) Dividends & Stock Splits: Historical Payouts and Event Timeline - TradingKey
<a href="https://news.google.com/rss/articles/CBMieEFVX3lxTE9xcUdBUXBzbzR4dV94S1VUZXRhX1BQY1J1ZllGT19HVUNBcUJuajkxcWpqNU1DdWRYX1hTTG00SVVyVzFFRUFHN1RuZG5SVnBXMndMOE5qdUJjTjl3TjNWdkhxQnNXT0stcXMtUnhhR29uUHpJVkF2Mw?oc=5" target="_blank">First…
First Bancorp Inc (ME) expands its community banking footprint. Regional lending focus shapes FNLC s - Ad-hoc-news.de
<a href="https://news.google.com/rss/articles/CBMixwFBVV95cUxQaU9aZWx6aGlGT0M4c29yc29xY195ZWdLS1NnckkxLXhxbktvdkl3THA4TTlLNnMyVVdhbmVqbTdOLS0xRS1BaFdZXzIzbFZHVnpLNkpqemN1SXNvNG9lb3pUNldxLVFaRE96Z1cxZU9BQ3NUVWNJSkNONlYzR0FPOFRGRUhxclBfQWF0Sn…
FNLC EVP CIO Tammy Plummer logs 749-share tax-withholding disposition in Form 4 - Stock Titan
<a href="https://news.google.com/rss/articles/CBMitAFBVV95cUxQN1Ezb1lYLS1BeWNWMmZmaDZMdVUxS1M5bWVtLURNMnZZTHpDeThoSkx6aGtlbmxRUlhNQ3ZFbG0tNjYyUEVSNHE4Nm5LdXNEZXI2MkNVbWJDV3VUTjVoYXRmcHVXZnhXbnpaODZ4d19CUDRDM0NGWXBhR2tCUmtlanF4Vk40Q3hZdEN1NG…
First Bancorp raises quarterly dividend to 38 cents per share - Investing.com
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FNLC — Frequently Asked Questions
What is the current share price of The First Bancorp, Inc. (FNLC)?
As of 2026-07-14 21:23 PDT, The First Bancorp, Inc. (FNLC) trades at $33.79 on NasdaqGS. Its 52-week range is $23.20 to $35.15.
What is the market capitalisation of FNLC?
The First Bancorp, Inc. (FNLC) has a market capitalisation of $381.01M on NasdaqGS.
What is the P/E ratio of FNLC?
FNLC trades at a trailing price-to-earnings (P/E) ratio of 10.43. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.21.
Does FNLC pay a dividend?
The First Bancorp, Inc. (FNLC) currently offers a dividend yield of 4.82%.
What is the return on equity (ROE) of FNLC?
FNLC has a return on equity (ROE) of 13.29%.
Is FNLC a good stock to buy?
This page provides a data-driven analysis of The First Bancorp, Inc. (FNLC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.