Symbols / FNLC Stock $29.16 -0.76% The First Bancorp, Inc.

Financial Services • Banks - Regional • United States • NMS
FNLC (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Tony C. McKim
Exch · Country NMS · United States
Market Cap 328.62M
Enterprise Value 473.26M
Income 36.31M
Sales 95.98M
FCF (ttm) —
Book/sh 25.23
Cash/sh 4.76
Employees 278
Insider 10d —
IPO Jul 14, 1999
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 56.79%
P/E 9.00
Forward P/E —
PEG —
P/S 3.42
P/B 1.16
P/C —
EV/EBITDA —
EV/Sales 4.93
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 3.24
EPS next Y —
EPS Growth 27.00%
Revenue Growth 14.50%
EPS Gr Q/Q 27.10%
Rev Gr Q/Q —
Earnings (next) 2026-07-22
Earnings (prior) 2015-04-22
ROA 1.14%
ROE 13.29%
ROIC —
Gross Margin 0.00%
Oper. Margin 46.82%
Profit Margin 37.83%
Shs Outstand 11.27M
Shs Float 10.66M
Insider Own 4.92%
Instit Own 52.23%
Short Float 0.70%
Short Ratio 3.22
Short Interest 73.61K
52W High 30.33
vs 52W High -3.87%
52W Low 23.36
vs 52W Low 24.81%
Beta 0.51
Impl. Vol. 2.32%
Rel Volume 0.22
Avg Volume 19.89K
Volume 4.34K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $29.38
Price $29.16
Change -0.76%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$29.16
Latest analyst target
3. DCF / Fair value
$48.60
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$29.16
Low
—
High
—
Mean
—
News
RSS: Latest FNLC news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-01-29 WARD F STEPHEN Director — 750 $0.00 $0
2026-01-29 TINDAL BRUCE B Director — 750 $0.00 $0
2026-01-29 SMITH STUART G Director — 750 $0.00 $0
2026-01-29 ELDER RICHARD M Chief Financial Officer — 3,304 $0.00 $0
2026-01-29 MCKIM TONY C Chief Executive Officer — 9,627 $0.00 $0
2026-01-29 RUSSELL CORNELIUS J Director — 750 $0.00 $0
2026-01-29 TOLMAN SARAH J Officer — 2,926 $0.00 $0
2026-01-29 PLUMMER TAMMY L Chief Technology Officer — 2,549 $0.00 $0
2026-01-29 KELLY RENEE W Director — 750 $0.00 $0
2026-01-29 NICHOLSON JONATHAN W Officer — 3,115 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
94.77
+17.72%
80.50
-0.18%
80.65
-13.32%
93.04
Operating Revenue
94.77
+17.72%
80.50
-0.18%
80.65
-13.32%
93.04
Selling General And Administration
29.72
+11.64%
26.62
+11.37%
23.90
-1.97%
24.38
General And Administrative Expense
29.72
+11.64%
26.62
+11.37%
23.90
-1.97%
24.38
Salaries And Wages
27.00
+11.42%
24.23
+10.43%
21.94
-5.89%
23.32
Reconciled Depreciation
2.21
-0.05%
2.21
+4.84%
2.11
+6.20%
1.98
Total Unusual Items
—
—
—
0.00
Total Unusual Items Excluding Goodwill
—
—
—
0.00
Special Income Charges
—
—
—
0.00
Restructuring And Mergern Acquisition
—
—
—
0.00
Net Income
34.39
+27.17%
27.05
-8.38%
29.52
-24.29%
38.99
Pretax Income
41.94
+28.71%
32.58
-8.73%
35.70
-24.66%
47.39
Net Interest Income
77.38
+21.07%
63.91
-1.99%
65.21
-14.39%
76.17
Interest Expense
82.89
-2.39%
84.92
+34.87%
62.97
+273.27%
16.87
Interest Income
160.27
+7.69%
148.83
+16.12%
128.17
+37.77%
93.03
Gain On Sale Of Security
0.05
-78.99%
0.24
+5850.00%
0.00
-42.86%
0.01
Tax Provision
7.54
+36.22%
5.54
-10.43%
6.18
-26.35%
8.40
Tax Rate For Calcs
0.00
+5.83%
0.00
-1.86%
0.00
-2.24%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
34.39
+27.17%
27.05
-8.38%
29.52
-24.29%
38.99
Net Income From Continuing Operation Net Minority Interest
34.39
+27.17%
27.05
-8.38%
29.52
-24.29%
38.99
Net Income From Continuing And Discontinued Operation
34.39
+27.17%
27.05
-8.38%
29.52
-24.29%
38.99
Net Income Continuous Operations
34.39
+27.17%
27.05
-8.38%
29.52
-24.29%
38.99
Normalized Income
34.39
+27.17%
27.05
-8.38%
29.52
-24.29%
38.99
Net Income Common Stockholders
34.39
+27.17%
27.05
-8.38%
29.52
-24.29%
38.99
Diluted EPS
—
2.43
-8.65%
2.66
-24.65%
3.53
Basic EPS
—
2.45
-8.58%
2.68
-24.72%
3.56
Basic Average Shares
—
11.04
+0.22%
11.01
+0.57%
10.95
Diluted Average Shares
—
11.13
+0.29%
11.10
+0.47%
11.05
Diluted NI Availto Com Stockholders
34.39
+27.17%
27.05
-8.38%
29.52
-24.29%
38.99
Amortization
0.03
+0.00%
0.03
+0.00%
0.03
-62.32%
0.07
Amortization Of Intangibles Income Statement
0.03
+0.00%
0.03
+0.00%
0.03
-62.32%
0.07
Depreciation Amortization Depletion Income Statement
0.03
+0.00%
0.03
+0.00%
0.03
-62.32%
0.07
Depreciation And Amortization In Income Statement
0.03
+0.00%
0.03
+0.00%
0.03
-62.32%
0.07
Insurance And Claims
2.72
+13.84%
2.39
+21.87%
1.96
+83.71%
1.07
Occupancy And Equipment
9.27
+3.08%
8.99
+3.27%
8.71
+7.40%
8.11
Other Non Interest Expense
11.91
+3.44%
11.51
+3.56%
11.12
-1.97%
11.34
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
3,166.30
+0.29%
3,157.01
+7.14%
2,946.70
+7.58%
2,739.18
Cash And Cash Equivalents
31.90
-35.86%
49.74
+40.38%
35.43
+34.10%
26.42
Cash Financial
27.78
+0.52%
27.64
-13.48%
31.94
+40.54%
22.73
Other Short Term Investments
264.48
-3.71%
274.68
-2.61%
282.05
-0.86%
284.51
Receivables
14.19
+1.50%
13.98
+17.50%
11.89
+21.01%
9.83
Accounts Receivable
14.19
+1.50%
13.98
+17.50%
11.89
+21.01%
9.83
Net PPE
28.77
+3.27%
27.86
-2.89%
28.68
+1.44%
28.28
Gross PPE
55.22
+5.13%
52.52
+1.75%
51.62
+1.58%
50.82
Accumulated Depreciation
-26.45
-7.22%
-24.67
-7.56%
-22.94
-1.75%
-22.54
Land And Improvements
8.29
+0.13%
8.28
-0.05%
8.28
-0.10%
8.29
Buildings And Improvements
34.75
+5.19%
33.03
+2.65%
32.18
+4.23%
30.87
Machinery Furniture Equipment
—
—
—
11.66
Other Properties
12.18
+8.61%
11.22
+0.50%
11.16
-4.27%
11.66
Goodwill And Other Intangible Assets
30.65
+0.00%
30.65
+0.00%
30.65
+0.00%
30.65
Goodwill
30.65
+0.00%
30.65
+0.00%
30.65
+0.00%
30.65
Investments And Advances
620.41
-3.72%
644.38
-3.43%
667.29
-1.64%
678.40
Total Liabilities Net Minority Interest
2,883.16
-0.74%
2,904.52
+7.43%
2,703.62
+7.70%
2,510.26
Current Debt And Capital Lease Obligation
42.00
—
20.08
-48.51%
38.99
Current Debt
42.00
—
20.08
-48.51%
38.99
Other Current Borrowings
42.00
—
20.08
-48.51%
38.99
Long Term Debt And Capital Lease Obligation
95.50
+0.53%
95.00
—
0.08
Long Term Debt
95.50
+0.53%
95.00
—
0.08
Stockholders Equity
283.14
+12.14%
252.49
+3.87%
243.08
+6.18%
228.92
Common Stock Equity
283.14
+12.14%
252.49
+3.87%
243.08
+6.18%
228.92
Capital Stock
0.11
+0.00%
0.11
+0.90%
0.11
+0.91%
0.11
Common Stock
0.11
+0.00%
0.11
+0.90%
0.11
+0.91%
0.11
Share Issued
11.22
+0.60%
11.16
+0.52%
11.10
+0.48%
11.05
Ordinary Shares Number
11.22
+0.60%
11.16
+0.52%
11.10
+0.48%
11.05
Additional Paid In Capital
73.71
+2.62%
71.83
+2.51%
70.07
+2.39%
68.44
Retained Earnings
240.46
+7.91%
222.82
+5.14%
211.93
+3.71%
204.34
Gains Losses Not Affecting Retained Earnings
-31.14
+26.34%
-42.27
-8.32%
-39.03
+11.23%
-43.97
Other Equity Adjustments
—
0.16
-47.67%
0.30
-44.85%
0.54
Total Equity Gross Minority Interest
283.14
+12.14%
252.49
+3.87%
243.08
+6.18%
228.92
Total Capitalization
378.64
+8.96%
347.49
—
229.01
Invested Capital
420.64
+21.05%
347.49
+32.05%
263.15
-1.81%
268.00
Total Debt
137.50
+44.74%
95.00
+373.20%
20.08
-48.62%
39.07
Net Debt
105.60
+133.29%
45.26
—
12.65
Net Tangible Assets
252.50
+13.82%
221.85
+4.43%
212.43
+7.14%
198.28
Tangible Book Value
252.50
+13.82%
221.85
+4.43%
212.43
+7.14%
198.28
Cash Cash Equivalents And Federal Funds Sold
40.18
-29.44%
56.94
+46.69%
38.81
+28.09%
30.30
Held To Maturity Securities
355.93
-3.73%
369.70
-4.03%
385.24
-2.20%
393.90
Minimum Pension Liabilities
0.24
-16.38%
0.29
-5.28%
0.30
+10.99%
0.27
Unrealized Gain Loss
-31.38
+26.54%
-42.72
-7.79%
-39.63
+11.50%
-44.78
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
37.81
+45.18%
26.05
-29.45%
36.92
-10.42%
41.21
Cash Flow From Continuing Operating Activities
37.81
+45.18%
26.05
-29.45%
36.92
-10.42%
41.21
Net Income From Continuing Operations
34.39
+27.17%
27.05
-8.38%
29.52
-24.29%
38.99
Depreciation Amortization Depletion
2.21
-0.05%
2.21
+4.84%
2.11
+6.20%
1.98
Depreciation
2.21
-0.05%
2.21
+4.84%
2.11
+6.20%
1.98
Depreciation And Amortization
2.21
-0.05%
2.21
+4.84%
2.11
+6.20%
1.98
Other Non Cash Items
0.19
-8.33%
0.20
-41.88%
0.35
-66.12%
1.04
Stock Based Compensation
0.97
+7.93%
0.90
+9.15%
0.82
+1.36%
0.81
Deferred Tax
1.33
+27.17%
1.05
+199.24%
-1.06
-693.82%
0.18
Deferred Income Tax
1.33
+27.17%
1.05
+199.24%
-1.06
-693.82%
0.18
Operating Gains Losses
-0.20
-46.76%
-0.14
-135.59%
-0.06
+86.21%
-0.43
Gain Loss On Investment Securities
—
0.00
0.00
+100.00%
-0.01
Gain Loss On Sale Of PPE
-0.01
-350.00%
0.00
-87.88%
0.03
+320.00%
-0.01
Change In Working Capital
-3.49
+44.94%
-6.34
-260.67%
3.94
+198.11%
-4.02
Change In Other Working Capital
—
—
—
—
Change In Other Current Assets
-0.95
+82.51%
-5.41
-696.18%
-0.68
+96.83%
-21.44
Change In Other Current Liabilities
-2.54
-175.41%
-0.92
-119.96%
4.62
-73.46%
17.42
Investing Cash Flow
-3.00
+98.62%
-217.42
-8.81%
-199.81
+19.30%
-247.58
Cash Flow From Continuing Investing Activities
-3.00
+98.62%
-217.42
-8.81%
-199.81
+19.30%
-247.58
Net PPE Purchase And Sale
0.02
+450.00%
0.00
+33.33%
0.00
-92.11%
0.04
Sale Of PPE
0.02
+450.00%
0.00
+33.33%
0.00
-92.11%
0.04
Capital Expenditure
-3.22
-118.31%
-1.48
+44.02%
-2.63
-87.68%
-1.40
Capital Expenditure Reported
-3.22
-118.31%
-1.48
+44.02%
-2.63
-87.68%
-1.40
Net Investment Purchase And Sale
37.81
+102.87%
18.64
+9.05%
17.09
+139.65%
-43.11
Purchase Of Investment
-15.36
+47.88%
-29.47
+66.73%
-88.58
+13.96%
-102.96
Sale Of Investment
53.17
+10.52%
48.11
-54.48%
105.67
+76.56%
59.85
Net Business Purchase And Sale
—
—
—
0.00
Purchase Of Business
—
—
—
0.00
Net Other Investing Changes
-0.87
+77.32%
-3.82
-732.12%
0.60
-60.57%
1.53
Financing Cash Flow
-34.67
-118.53%
187.07
+8.69%
172.10
-17.44%
208.46
Cash Flow From Continuing Financing Activities
-34.67
-118.53%
187.07
+8.69%
172.10
-17.44%
208.46
Net Issuance Payments Of Debt
41.54
-45.78%
76.63
+326.50%
-33.83
-2.96%
-32.86
Issuance Of Debt
0.50
-99.47%
95.00
0.00
0.00
Repayment Of Debt
0.00
0.00
+100.00%
-0.08
+99.85%
-55.01
Long Term Debt Issuance
0.50
-99.47%
95.00
0.00
0.00
Long Term Debt Payments
0.00
0.00
+100.00%
-0.08
+99.85%
-55.01
Net Long Term Debt Issuance
0.50
-99.47%
95.00
+113195.24%
-0.08
+99.85%
-55.01
Net Short Term Debt Issuance
41.04
+323.38%
-18.37
+45.55%
-33.75
-252.37%
22.15
Net Common Stock Issuance
0.63
-3.21%
0.66
+15.52%
0.57
+9.25%
0.52
Common Stock Payments
-0.28
-33.02%
-0.21
+15.20%
-0.25
+9.75%
-0.28
Common Stock Dividend Paid
-16.35
-3.44%
-15.80
-2.50%
-15.42
-4.32%
-14.78
Cash Dividends Paid
-16.35
-3.44%
-15.80
-2.50%
-15.42
-4.32%
-14.78
Repurchase Of Capital Stock
-0.28
-33.02%
-0.21
+15.20%
-0.25
+9.75%
-0.28
Changes In Cash
0.14
+103.32%
-4.31
-146.73%
9.21
+340.02%
2.09
Beginning Cash Position
27.64
-13.48%
31.94
+40.54%
22.73
+10.15%
20.63
End Cash Position
27.78
+0.52%
27.64
-13.48%
31.94
+40.54%
22.73
Free Cash Flow
34.59
+40.79%
24.57
-28.33%
34.28
-13.88%
39.81
Interest Paid Supplemental Data
82.98
-1.73%
84.44
+35.70%
62.23
+287.28%
16.07
Income Tax Paid Supplemental Data
5.67
+25.25%
4.53
-19.46%
5.62
-29.83%
8.01
Amortization Of Securities
—
—
—
—
Common Stock Issuance
0.92
+5.65%
0.87
+6.12%
0.82
+2.64%
0.80
Earnings Losses From Equity Investments
—
—
0.30
-0.66%
0.30
Issuance Of Capital Stock
0.92
+5.65%
0.87
+6.12%
0.82
+2.64%
0.80
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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