First Bancorp Inc (FNLC)

FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

$33.80

+0.34 (+1.02%)

Market Cap: $377.51M

Last updated: Oct 16, 2026 at 1:55 PM ET

Earnings

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Jun 30, 2026Jun 26 Reported Jul 22, 2026Reported Jul 22	$0.85	N/A	-	N/A	Beat	-	-	+18.1%
Mar 31, 2026Mar 26 Reported Apr 22, 2026Reported Apr 22	$0.80	N/A	-	N/A	Beat	-	-	+26.3%
Dec 31, 2025Dec 25 Reported Jan 21, 2026Reported Jan 21	$0.91	N/A	-	N/A	Beat	-	-	+40.0%
Sep 30, 2025Sep 25 Reported Oct 22, 2025Reported Oct 22	$0.81	N/A	-	N/A	Beat	-	-	+19.2%
Jun 30, 2025Jun 25 Reported Jul 23, 2025Reported Jul 23	$0.72	N/A	-	N/A	Beat	-	-	-33.9%
Mar 31, 2025Mar 25 Reported Apr 23, 2025Reported Apr 23	$0.63	N/A	-	N/A	Beat	-	-	+16.9%
Dec 31, 2024Dec 24 Reported Jan 22, 2025Reported Jan 22	$0.65	N/A	-	N/A	Beat	-	-	+8.3%
Sep 30, 2024Sep 24 Reported Oct 23, 2024Reported Oct 23	$0.68	N/A	-	N/A	Beat	-	-	+1.4%
Jun 30, 2024Jun 24 Reported Jul 24, 2024Reported Jul 24	$1.09	$0.00	-	N/A	Beat	-	-	+62.7%
Mar 31, 2024Mar 24 Reported Apr 17, 2024Reported Apr 17	$0.54	N/A	-	N/A	Beat	-	-	-24.8%
Dec 31, 2023Dec 23 Reported Jan 24, 2024Reported Jan 24	$0.60	N/A	-	N/A	Beat	-	-	-27.7%
Sep 30, 2023Sep 23 Reported Oct 18, 2023Reported Oct 18	$0.67	N/A	-	N/A	Beat	-	-	-26.4%
Jun 30, 2023Jun 23 Reported Jul 19, 2023Reported Jul 19	$0.67	N/A	-	N/A	Beat	-	-	-26.4%
Mar 31, 2023Mar 23 Reported Apr 19, 2023Reported Apr 19	$0.72	N/A	-	N/A	Beat	-	-	-18.2%
Dec 31, 2022Dec 22 Reported Mar 10, 2023Reported Mar 10	$0.83	N/A	-	N/A	Beat	-	-	-4.6%
Sep 30, 2022Sep 22 Reported Oct 19, 2022Reported Oct 19	$0.91	N/A	-	N/A	Beat	-	-	+11.0%
Jun 30, 2022Jun 22 Reported Jul 20, 2022Reported Jul 20	$0.91	N/A	-	N/A	Beat	-	-	+13.7%
Mar 31, 2022Mar 22 Reported Apr 20, 2022Reported Apr 20	$0.88	N/A	-	N/A	Beat	-	-	+8.6%
Dec 31, 2021Dec 21 Reported Mar 11, 2022Reported Mar 11	$0.87	N/A	-	N/A	Beat	-	-	+35.9%
Sep 30, 2021Sep 21 Reported Oct 20, 2021Reported Oct 20	$0.82	N/A	-	N/A	Beat	-	-	+26.2%
Jun 30, 2021Jun 21 Reported Jul 21, 2021Reported Jul 21	$0.80	N/A	-	N/A	Beat	-	-	+33.3%
Mar 31, 2021Mar 21 Reported Apr 21, 2021Reported Apr 21	$0.81	N/A	-	N/A	Beat	-	-	+35.0%
Dec 31, 2020Dec 20 Reported Jan 20, 2021Reported Jan 20	$0.64	N/A	-	N/A	Beat	-	-	+4.9%
Sep 30, 2020Sep 20 Reported Oct 21, 2020Reported Oct 21	$0.65	N/A	-	N/A	Beat	-	-	+12.1%
Jun 30, 2020Jun 20 Reported Jul 22, 2020Reported Jul 22	$0.60	N/A	-	N/A	Beat	-	-	+1.7%
Mar 31, 2020Mar 20 Reported Apr 22, 2020Reported Apr 22	$0.60	N/A	-	N/A	Beat	-	-	+5.3%
Dec 31, 2019Dec 19 Reported Jan 22, 2020Reported Jan 22	$0.61	N/A	-	N/A	Beat	-	-	+3.4%
Sep 30, 2019Sep 19 Reported Oct 23, 2019Reported Oct 23	$0.58	N/A	-	N/A	Beat	-	-	+5.5%
Jun 30, 2019Jun 19 Reported Jul 17, 2019Reported Jul 17	$0.59	N/A	-	N/A	Beat	-	-	+11.3%
Mar 31, 2019Mar 19 Reported Apr 17, 2019Reported Apr 17	$0.57	N/A	-	N/A	Beat	-	-	+11.8%
Dec 31, 2018Dec 18 Reported Jan 23, 2019Reported Jan 23	$0.59	N/A	-	N/A	Beat	-	-	+22.9%
Sep 30, 2018Sep 18 Reported Oct 17, 2018Reported Oct 17	$0.55	N/A	-	N/A	Beat	-	-	+19.6%
Jun 30, 2018Jun 18 Reported Jul 18, 2018Reported Jul 18	$0.53	N/A	-	N/A	Beat	-	-	+17.8%
Mar 31, 2018Mar 18 Reported Apr 18, 2018Reported Apr 18	$0.51	N/A	-	N/A	Beat	-	-	+18.6%
Dec 31, 2017Dec 17 Reported Mar 14, 2018Reported Mar 14	$0.48	N/A	-	N/A	Beat	-	-	+11.6%
Sep 30, 2017Sep 17 Reported Oct 18, 2017Reported Oct 18	$0.46	N/A	-	N/A	Beat	-	-	-
Jun 30, 2017Jun 17 Reported Jul 19, 2017Reported Jul 19	$0.45	N/A	-	N/A	Beat	-	-	-
Mar 31, 2017Mar 17 Reported Apr 19, 2017Reported Apr 19	$0.43	N/A	-	N/A	Beat	-	-	-
Dec 31, 2016Dec 16 Reported Mar 10, 2017Reported Mar 10	$0.43	N/A	-	N/A	Beat	0	0 1 30d	-

Dividends

Dividend Metrics

Forward Yield4.50%

Forward Annual Dividend$1.52

Payout Ratio44.76%

FrequencyQuarterly

Pay MonthsJan, Apr, Jul, Oct

Growth

3Y CAGR+3.42%

5Y CAGR+3.66%

FNLC dividend history and ex-dividend dates Run FNLC in the free DRIP calculator

Key Metrics

Valuation
P/E Ratio	10.03	EV/EBITDA	11.32x
Price/FCF	10.70x	FCF Yield	9.34%
Profitability
Profit Margin	38.30%	Operating Margin	48.70%
ROE	13.50%	ROIC	7.40%
Financial Health
Debt/Equity	0.73x	Interest Coverage	0.59x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	0.48	Avg Volume	44.85K
52-Week High	$35.90	52-Week Low	$23.24

Technical Indicators Dashboard

Moving Averages

SMA 10$33.55

SMA 20$33.70

SMA 50$34.24

SMA 200$30.43

EMA 10$33.57

EMA 20$33.72

EMA 50$33.80

EMA 200$31.02

MACD

Line: -0.21Signal: -0.23Hist: 0.02

ADX

ADX: 31.9+DI: 13.6-DI: 19.0

Aroon & PSAR

Aroon Up16.0

Aroon Down88.0

PSAR$32.39

Bollinger Bands

Upper Band$34.59

Lower Band$32.80

%B Position533%(Upper)

Band Width0.56

RSI (14-Day)

Neutral

49.9

Momentum Oscillators

Stoch %K54.3

Stoch %D44.6

Williams %R-33.2

ROC (10d)1.5%

Momentum0.49

CCI (20d)22.1

MFI (14d)44.9

Volatility Measures

ATR (14d)$0.91(2.7%)

StdDev (20d)0.45

Hist Vol16.6%(Low)

Volume Flow

VWAP$33.94

OBV687.2K

AD Line-13.5M

CMF (20d)-0.404

Volume Metrics

Avg Vol (20d)46.1K

Vol Ratio0.9x

VWMA (20d)$33.84

Pivot Points

R3$34.59

R2$34.11

R1$33.78

Pivot Point$33.30

S1$32.97

S2$32.49

S3$32.16

Advanced Oscillators

TSI-10.18

Ultimate Osc52.9

KST-26.50

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Total Revenue	$25.82M	$25.14M	$25.84M	$24.53M	$22.54M	$21.80M	$21.48M	$20.52M	$19.23M	$19.03M	$19.96M	$19.84M
Cost of Revenue	N/A	$18.45M	$19.89M	$21.65M	$21.90M	$21.30M	$22.85M	$21.25M	$22.00M	$19.85M	$19.65M	$17.10M
Gross Profit	N/A	$20.69M	$25.57M	$23.83M	$22.05M	$21.41M	$20.82M	$21.16M	$18.72M	$19.03M	$19.28M	$20.05M

Operating Expenses	$13.38M	$13.62M	$13.13M	$12.75M	$12.20M	$12.84M	$12.14M	$12.00M	$11.25M	$11.76M	$11.19M	$11.01M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Operating Income	N/A	$6.45M	$12.44M	$11.08M	$9.85M	$8.56M	$8.68M	$9.16M	$7.47M	$7.27M	$8.09M	$9.04M

Interest Income	$39.84M	$39.14M	$40.73M	$41.01M	$39.83M	$38.71M	$39.00M	$38.29M	$36.56M	$34.99M	$34.82M	$33.25M
Interest Expense	$18.68M	$18.45M	$19.62M	$20.95M	$21.42M	$20.91M	$21.45M	$21.89M	$21.48M	$20.11M	$18.97M	$17.30M
Income Before Tax	$11.51M	$10.90M	$12.44M	$11.08M	$9.85M	$8.56M	$8.68M	$9.16M	$7.47M	$7.27M	$8.09M	$9.04M
Income Tax Expense	$1.95M	$1.91M	$2.27M	$2.00M	$1.79M	$1.49M	$1.40M	$1.59M	$1.30M	$1.25M	$1.41M	$1.56M

Net Income	$9.56M	$8.99M	$10.17M	$9.08M	$8.06M	$7.08M	$7.28M	$7.57M	$6.17M	$6.02M	$6.68M	$7.47M

EBITDA	$12.71M	$12.01M	$13.14M	$12.10M	$11.01M	$9.56M	$10.57M	$10.11M	$8.26M	$8.07M	$8.18M	$9.79M
EBIT	$11.53M	$10.87M	$12.10M	$11.09M	$9.99M	$8.56M	$9.33M	$9.10M	$7.44M	$7.27M	$7.86M	$9.00M

* Some calculated fields are derived from available data when not provided by source

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News

49,366 Shares in First Bancorp, Inc (ME) $FNLC Bought by Bank of New York Mellon Corp

Bank of New York Mellon Corp recently acquired a new stake of 49,366 shares in First Bancorp, Inc (ME) for approximately $1.72 million. Other institutional investors also adjusted their positions...

MarketBeat•Sep 9, 2026 3:21 AM ET9/9/26•Bullish

BlackRock Inc. Acquires Shares of 906,027 First Bancorp, Inc (ME) $FNLC

BlackRock Inc. recently acquired 906,027 shares of First Bancorp, Inc (ME) worth approximately $31.5 million, giving them an 8.03% stake in the company. Institutional investors and hedge funds collectively own 40.41%...

MarketBeat•Sep 2, 2026 6:36 PM ET9/2/26•Bullish

375,643 Shares in First Bancorp, Inc (ME) $FNLC Purchased by The Manufacturers Life Insurance Company

The Manufacturers Life Insurance Company recently purchased 375,643 shares of First Bancorp, Inc (ME) for approximately $13.08 million...

MarketBeat•Aug 29, 2026 3:18 PM ET8/29/26•Bullish

First Bancorp Inc ME Buys New Stake in RTX Corporation $RTX

First Bancorp Inc. ME has acquired a new stake in RTX Corporation, purchasing 6,077 shares valued at approximately $1.15 million in the second quarter. Despite recent insider stock sales totaling $6.36 million...

MarketBeat•Aug 26, 2026 3:18 PM ET8/26/26•Neutral

First Bancorp (FNLC) reports 253,431,799 in positions on new Form 13F

First Bancorp, Inc /ME/ (FNLC) has filed a Form 13F Holdings Report, disclosing 685 investment positions with an aggregate value of $253,431,799. The company is reporting these holdings on its own behalf...

Stock Titan•Aug 11, 2026 6:40 AM ET8/11/26•Neutral

FNLC Valuation and Fair Value

P/E: 10.0x
Forward P/E: 12.2x
EV/EBITDA: 11.3x
P/FCF: 10.7x
PEG: 0.0x
P/B: 1.3x

See GNG's fair value

FNLC Profitability: Margins, ROIC and FCF

Operating margin: 48.7%
Net margin: 38.3%
ROIC: 7.4%
ROE: 13.5%
FCF margin: 35.2%
FCF yield: 9.3%

FNLC Competitors

Company	Ticker
Primis Financial Corp	FRST
Citizens Financial Services Inc. Common Stock	CZFS
SuRo Capital Corp	SSSS
MVB Financial Corp	MVBF
Northeast Community Bancorp Inc	NECB
EQV Ventures Acquisition Corp.	EQV
Parke Bancorp Inc	PKBK
Waterdrop Inc ADR	WDH

Sector: Financial Services

FNLC Bull Case vs Bear Case

Bull case

FNLC converts 35.2% of revenue into free cash flow.
FNLC has a 38.3% net profit margin.
FNLC beat EPS estimates in 75.0% of its last 8 reported quarters.

FNLC Earnings: Beat Rate and Next Report

Beat rate: 6 of 8 quarters (75.0%)
Average surprise: 3.5%

FNLC Dividend

Forward yield: 4.5%
Payout ratio: 44.8%
3Y DPS growth: 3.4%
5Y DPS growth: 3.7%
Pay months: Jan, Apr, Jul, Oct

FNLC dividend history

Frequently Asked Questions About FNLC

What is FNLC's current dividend yield?

First Bancorp Inc (FNLC) has a forward dividend yield of 4.50%.

Does FNLC pay dividends?

Yes, First Bancorp Inc pays dividends with a forward dividend yield of 4.50%.

What is FNLC's P/E ratio?

First Bancorp Inc has a price-to-earnings (P/E) ratio of 10.03.

What is FNLC's market cap?

First Bancorp Inc (FNLC) has a market capitalization of $377.51M with a current stock price of $33.80.

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