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StockMarketAgent
Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

FNLC stock hub

The First Bancorp, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint
n/a
Fair value pending
Upside to midpoint
n/a
Based on latest report
Confidence
n/a
Data quality and model convergence
Market cap
327.3M
NASDAQ
Market data

Live price

Current market quote for this ticker.

Current price
FNLC
In the news

Latest news · FNLC

Recent company headlines from major financial publishers.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming
DateLoading
Window—
EPS estimate—
Revenue estimate—
Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/En/a
P25 8.8P50 10.4P75 13.1
Trailing P/E9
P25 10.9P50 14.7P75 36.2
ROE13.3
P25 4.9P50 10.4P75 15
ROICn/a
P25 -1.3P50 6.6P75 12.7
Benchmarks - 1M
S&P 500n/a
Nasdaq Compositen/a
Dow Jones Industrial Averagen/a
Russell 2000n/a
Indicator catalog

All FNLC market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields
200
Groups with data
11
Currency
USD
Showing 200 of 200 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

25
MetricValue
Cik
0000765207
Company name
The First Bancorp, Inc.
Country
United States
Country code
US
Cusip
31866P102
Employees
278
Employees Change
-6%
Employees Change Percent
-2.11
Enterprise value
$469.4M
Exchange
NASDAQ
Financial currency
USD
First seen
2026-05-09
Industry
Banks - Regional
IPO Date
1999-07-15
Isin
US31866P1021
Last refreshed
2026-05-10
Market cap
$327.3M
Market cap category
Small-Cap
Price
$29.04
Price currency
USD
Rev Per Employee
345,244.6x
Sector
Financials
Sic
6021
Symbol
FNLC
Website
https://www.thefirst.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

9
MetricValue
Earnings Yield
11.09%
EV Earnings
12.93x
EV/Sales
4.89x
P/B ratio
1.14x
P/E ratio
8.96x
P/S ratio
3.41x
PE Ratio10 Y
11.26x
PE Ratio3 Y
9.61x
PE Ratio5 Y
9.31x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

16
MetricValue
Gross Profit
$96M
Net Income
$36.3M
Net Income Growth
29.21%
Net Income Growth Q
27.07%
Net Income Growth Quarters
6%
Net Income Growth Years
1%
Net Income Growth3 Y
-0.85%
Net Income Growth5 Y
4.2%
Pretax Margin
46.13%
Profit Margin
37.83%
Profit Per Employee
$130,612
Profitable Years
32
ROA
1.14
Roa5y
1.2
ROE
13.29
Roe5y
13.63

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

21
MetricValue
Cagr10y
8.97%
Cagr15y
10.07%
Cagr1y
25.09%
Cagr20y
7.77%
Cagr3y
13.08%
Cagr5y
4.54%
Div CAGR10
5.34%
Div CAGR3
2.86%
Div CAGR5
3.6%
EPS Growth
28.6
EPS Growth Q
26.98
EPS Growth Quarters
6
EPS Growth Years
1
EPS Growth3 Y
-1.29
EPS Growth5 Y
3.79
Revenue Growth
16.88x
Revenue Growth Q
14.53x
Revenue Growth Quarters
6x
Revenue Growth Years
2x
Revenue Growth3 Y
2.4x
Revenue Growth5 Y
5.39x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

11
MetricValue
Assets
$3.2B
Cash
$53.7M
Debt
$195.8M
Equity
$286.8M
Liabilities
$2.9B
Net Cash
$-142.1M
Net Cash By Market Cap
$-43.42
Net Debt Equity
$0.5
Tangible Book Value
$256.1M
Tangible Book Value Per Share
$22.73
WACC
4.39

Liquidity

Current-asset coverage and working-capital efficiency metrics.

1
MetricValue
Working Capital
$-2.6B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

10
MetricValue
Buyback Yield
-0.47%
Dividend Growth
2.78%
Dividend Growth Years
7%
Dividend per share
$1.48
Dividend Years
28
Dividend Yield
5.1%
Ex Div Date
2026-04-07
Last Dividend
$0.37
Payout Frequency
Quarterly
Payout Ratio
45.67%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

39
MetricValue
10Y total return
136.03%
1Y total return
25.07%
200-day SMA
26.95
3Y total return
44.59%
50-day SMA
28.38
50-day SMA vs 200-day SMA
50over200
5Y total return
24.87%
All Time High
36.8
All Time High Change
-21.09%
All Time High Date
2022-01-18
All Time Low
4.42
All Time Low Change
557.46%
All Time Low Date
2000-03-22
ATR
0.69
Beta
0.5
Beta1y
0.63
Beta2y
0.56
Ch YTD
9.83
High
29.99
High52
30.33
High52 Date
2026-02-06
High52ch
-4.25%
Low
28.85
Low52
23.36
Low52 Date
2025-05-23
Low52ch
24.31%
Ma50ch
2.31%
Price vs 200-day SMA
7.76%
RSI
53.03
RSI Monthly
59.42
RSI Weekly
58.73
Sharpe ratio
0.83x
Sortino ratio
1.47
Total Return
4.63%
Tr YTD
12.78
Tr15y
321.58%
Tr1m
1.04%
Tr1w
0.52%
Tr3m
-1.97%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

2
MetricValue
Operating Income
$46.9M
Operating margin
48.87

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

10
MetricValue
Float
10,660,094%
Float Percent
94.58%
Shares Insiders
5.42%
Shares Institutions
50.72%
Shares Out
11,271,014
Shares Qo Q
0.57%
Shares Yo Y
0.47%
Short Float
0.69%
Short Ratio
3.22
Short Shares
0.65

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

56
MetricValue
Average Volume
15,411.8x
Bv Per Share
25.44
Ch10y
47.41
Ch15y
107.4
Ch1m
1.04
Ch1w
0.52
Ch1y
18.43
Ch20y
74.73
Ch3m
-3.23
Ch3y
22.22
Ch5y
-3.55
Ch6m
15.01
Change
-0.38%
Change From Open
-0.07
Close
29.15
Days Gap
-0.31
Dollar Volume
256,516.7
Earnings Date
2026-04-22
Earnings Time
amc
EPS
$3.24
F Score
2
Fiscal Year End
December
Founded
1,864
Goodwill
30,646,000
Graham Number
43.07135
Graham Upside
48.32
Income Tax
$8M
Is Primary Listing
1
Is Spac
No
Last Earnings Date
2026-04-22
Last Report Date
2026-03-31
Last Split Date
2004-06-02
Last Split Type
Forward
Last10k Filing Date
2026-03-06
Lynch Fair Value
$16.2
Lynch Upside
-44.21
Ma150
27.16
Ma150ch
6.91%
Ma20
28.96
Ma20ch
0.29%
Next Earnings Date
2026-07-22
Open
29.06
Optionable
Yes
Payment Date
2026-04-17
Position In Range
16.67
Ppne
28,720,000
Price Date
2026-05-08
Ptbv Ratio
1.28
Relative Volume
0.57x
Revenue
95,978,000x
Tax By Revenue
8.3x
Tax Rate
18%
Tr20y
346.51%
Tr6m
18.1%
Us State
Maine
Volume
8,833.2
Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate
n/a
Named kill scenarios are reviewed before any bullish rating can stand.
Moat score
n/a
Business quality stays separate from stock attractiveness.
Forward P/E
n/a
Valuation uses the full report model stack, not a single multiple.
Next action
Research pending
Final action steps are kept in the recommendation tab.
Income

FNLC dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield
+5.1%
$1.48 annual per share
Payout ratio
+45.7%
Share of earnings returned as dividends. Below 60% is generally sustainable.
5Y dividend CAGR
+3.6%
7 consecutive years of growth
Total shareholder yield
+4.6%
Next ex-dividend date: 2026-04-07
Performance

FNLC stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

1Y total return
+25.1%
S&P 500 1Y: n/a
3Y total return
+44.6%
S&P 500 3Y: n/a
5Y total return
+24.9%
S&P 500 5Y: n/a
10Y total return
+136.0%
S&P 500 10Y: n/a
Ownership

Who owns FNLC?

Insider, institutional, and short-interest positioning.

Institutional ownership
+50.7%
Float: +94.6% of shares outstanding
Insider ownership
+5.4%
Stake held by company insiders. Higher generally signals alignment.
Short interest
+0.7%
3.2 days to cover
Y/Y dilution
+0.5%
Negative means the company is buying back shares.
Technical

FNLC momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)
53.0
Neutral momentum band
Price vs 200-day MA
+7.8%
50/200-day relationship not available
Beta (5Y)
0.50
Less volatile than the market
Sharpe ratio
0.83
Risk-adjusted return — higher is better; >1.0 is solid.
Peers

FNLC vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

TickerNameMarket capP/EP/SROIC5Y rev CAGR1Y total returnRating
AXPAmerican Express Company215.6B19.7x3.1x11.5%+15.5%+15.6%Verminderen
BACBank of America Corporation364.1B12.7x3.3x—+6.3%+28.2%Verminderen
BKThe Bank of New York Mellon Corporation89.6B16.2x4.3x—+6.0%+58.4%Verminderen
Questions

About FNLC

Hub-level FAQ points readers to the deeper analysis pages.

What is the current FNLC stock rating?

The First Bancorp, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full FNLC analysis?

The full report lives at /stocks/FNLC/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for FNLC?

The latest report frames FNLC around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the FNLC page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.