The First Bancorp, Inc. (FNLC) Stock Price & Analysis
The First Bancorp, Inc. (FNLC) is trading at USD 36.06, down 0.30% today, as of October 23, 2026 at 13:32 UTC (US market open; quotes may be delayed), according to Nexqual market data.
FNLC last closed at USD 36.17; today's session has ranged USD 35.81–36.09 on volume of 1,477 shares. Market capitalization is $406.96M, with a 52-week range of USD 24.39–36.3 (NMS). Source: Nexqual, retrieved October 23, 2026 at 13:33 UTC.
Also available as compact Markdown for AI agents: nexqual.com/FNLC.md
Key facts (FNLC)
- Last four reported quarters (through Jun 30, 2026): revenue $101M, net income $37.8M (37.3% margin) (SEC filings).
- Valuation: P/E 10.8x (avg 10.2x at the last 3 fiscal year-ends).
- Insider open-market sales, last ~7 months: 1 Form 4 filings, $183K; 1 not under a Rule 10b5-1 plan ($183K); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Insider open-market purchases, last ~7 months: 1 Form 4 filing, $43K; 0 by opportunistic insiders, 1 by routine insiders.
- Analysts: None.
- Total return with dividends: 1Y +49.8% vs S&P 500 +14.9%; 5Y +57.4% vs S&P 500 +80.3%.
- Next earnings: 2027-01-20, EPS estimate USD —, revenue estimate $0K.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (FNLC)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $85.7M | $93.0M | $80.6M | $80.3M | $94.7M | $101M |
| Net income | $36.3M | $39.0M | $29.5M | $27.0M | $34.4M | $37.8M |
| EPS (diluted) | $3.30 | $3.53 | $2.66 | $2.43 | $3.07 | — |
| Free cash flow | $52.9M | $39.8M | $34.3M | $24.6M | $34.6M | $35.6M |
| Net margin | 42.3% | 41.9% | 36.6% | 33.7% | 36.3% | 37.3% |
| Revenue growth | +9.9% | +8.6% | -13.3% | -0.5% | +18.0% | — |
| Cash + short-term investments | $20.6M | $22.7M | $31.9M | $27.6M | $27.8M | — |
| Total debt | $136M | $103M | $69.7M | $146M | $188M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (FNLC)
P/E 10.8x · P/S 4.0x · P/FCF 11.4x · P/B 1.4x · FCF yield 8.75% · Earnings yield 9.29% · Dividend yield (paid, TTM) 4.09% · Buyback yield (TTM) 0.08%
P/E at fiscal year-ends: Dec 2025 8.6x, Dec 2024 11.3x, Dec 2023 10.6x.
Insider sales (SEC Form 4, open-market, last ~7 months) (FNLC)
0 of 1 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-07-28 | Tolman Sarah | EVP, Chief Banking Officer | 5,200 | $183K | 38.4% | No | Too little history (no open-market trades in 2024) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Insider purchases (SEC Form 4, open-market, last ~7 months) (FNLC)
1 purchase, $43K. Private placements, offerings, dividend reinvestment and employee stock purchase plan buys are excluded.
| Trade date | Insider | Role | Shares | Value | Avg price | Insider type |
|---|---|---|---|---|---|---|
| 2026-04-30 | Swan Kimberly | Director | 1,500 | $43K | 28.69 | Routine (bought in Apr each year 2023–2025) |
Analysts (FNLC)
Consensus None.
Total return (dividends reinvested) (FNLC)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | +49.8% | +57.4% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | +49.8% | +9.5% |
| Volatility (annualized) | 25.2% | 25.8% |
| Max drawdown | -10.4% (Feb 2026→Mar 2026) | -27.5% (Jan 2022→May 2023) |
FNLC revenue by product line (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Investment management and fiduciary income | $1.5M | — | +15.9% |
| Debit card income | $1.4M | — | +6.9% |
| Service charges on deposit accounts | $585,000 | — | +8.5% |
| Mortgage origination and servicing income, net of amortization | $195,000 | — | -11.8% |
| Total revenue | — | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
FNLC company outlook (results filed Oct 21, 2026)
- “Non-maturity deposits had strong growth, up $139.7 million in the third quarter, and consistent with seasonal expectations.”
Quoted word-for-word from the SEC 8-K results press release.
FNLC analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter | — | — | — | $0 | — |
| Next quarter (ends Sep 2015) | — | — | — | $0 | — |
| Current fiscal year (ends Dec 2015) | — | — | — | $0 | — |
| Next fiscal year | — | — | — | $0 | — |
FNLC options: expected move
Options price a move of about ±15.2% (±$5.50) by Mar 19, 2027, which includes earnings on Jan 20, 2027; the earnings reaction alone is priced at about ±10.1%. Over the last 8 reports the stock moved ±2.6% on average.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Dec 18, 2026 | 56 | 23.5% | ±7.5% |
| Mar 19, 2027 | 147 | 30.8% | ±15.2% |
30-day implied volatility 36.8% vs 22% realized over the last 30 trading days. Put/call ratio (volume) —. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 23, 2026 at 13:33 UTC)
| Price | USD 36.06 |
|---|---|
| Change | ▼ 0.30% (down) |
| Previous Close | USD 36.17 |
| Open | USD 35.83 |
| Day Range | USD 35.81 – 36.09 |
| 52-Week Range | USD 24.39 – 36.3 |
| Volume | 1,477 shares |
| Market Cap | $406.96M |
| Exchange | NMS |
Technical Analysis (FNLC)
Nexqual's technical model rates FNLC "BUY" based on 5 bullish and 2 bearish signals across 128 daily candles, as of October 23, 2026 at 13:33 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 66.7 (neutral) |
| vs SMA50 | Above (USD 34.51) |
| MACD | 0.22 (positive) |
Analyst Ratings (FNLC)
Wall Street analysts rate FNLC "None", per Nexqual as of October 23, 2026 at 13:33 UTC.
| Consensus Rating | None |
|---|
Earnings (FNLC)
| Next Earnings Date | 2027-01-20 |
|---|
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2015-03-31 | USD 0.39 vs est 0.34 ▲ beat |
| 2014-12-31 | USD 0.32 vs est 0.35 ▼ miss |
| 2014-09-30 | USD 0.38 vs est 0.35 ▲ beat |
| 2014-06-30 | USD 0.35 vs est 0.33 ▲ beat |
Source: Nexqual, October 23, 2026 at 13:33 UTC.
Financials & Fundamentals (FNLC)
| Total Revenue | $101.48M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +11.20% |
| Gross Margin | +0.00% |
| Operating Margin | +51.27% |
| Profit Margin | +38.82% |
| ROE | +14.00% |
| Total Cash | $34.99M |
| Total Debt | $144.88M |
Source: Nexqual, October 23, 2026 at 13:33 UTC.
Financial Health Score (FNLC)
Nexqual rates The First Bancorp, Inc.'s overall financial health "Mixed" across five dimensions, as of October 23, 2026 at 13:33 UTC.
| Growth | Mixed — Revenue +2.3% YoY (annual), slow |
|---|---|
| Profitability | Weak — Net margin 0% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: National Commercial Banks) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: National Commercial Banks) |
| Efficiency | Mixed — ROE 14%, ROA 1.2% |
Ownership (FNLC)
| Insider Ownership | +4.88% |
|---|---|
| Institutional Ownership | +54.22% |
| Shares Outstanding | 11.29M |
| Float | 10.68M |
| Short % of Float | +1.39% |
Source: Nexqual, October 23, 2026 at 13:33 UTC.
Leadership (FNLC)
The First Bancorp, Inc. is led by Tony C. McKim, President, CEO & Director, per Nexqual as of October 23, 2026 at 13:33 UTC.
| President, CEO & Director | Tony C. McKim |
|---|---|
| Executive VP, CFO & Treasurer | Richard M. Elder |
Major Backers & Investors (FNLC)
Notable institutional backers of The First Bancorp, Inc. include First Bancorp, Inc/ME/, Manufacturers Life Insurance Co., John Hancock Financial Opportunities Fund, according to Nexqual as of October 23, 2026 at 13:33 UTC.
Active Investors
| Investor | Stake |
|---|---|
| First Bancorp, Inc/ME/ | 6.54% |
| Manufacturers Life Insurance Co. | 3.33% |
| John Hancock Financial Opportunities Fund | 3.15% |
| Morgan Stanley | 1.63% |
| American Century ETF Trust-Avantis U.S. Small Cap Value ETF | 1.28% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 8.03% |
| Dimensional Fund Advisors | 4.07% |
| Vanguard Group | 3.87% |
| Geode Capital | 2.34% |
| State Street | 2.02% |
Source: Nexqual, October 23, 2026 at 13:33 UTC.
Legal & Regulatory Risks from The First Bancorp, Inc.'s Latest 10-K (filed 2026-03-06)
- We are subject to claims and litigation that may impact our earnings and/or our reputation.
- Our operations and financial performance could be adversely affected by natural disasters. Climate change may exacerbate these risks and introduce additional compliance, strategic, reputational, and/or other types of risks.
- We operate in a highly regulated environment and may be adversely affected by changes in law and regulations.
- Environmental, social and governance oversight may influence stock price and increase compliance costs.
Source: SEC EDGAR 10-K, Item 1A, official filing.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| BBD | Banco Bradesco Sa | USD 3.9 | ▼ 1.27% |
| FITB | Fifth Third Bancorp | USD 52.75 | ▼ 0.9% |
| DB | Deutsche Bank AG | USD 30.78 | ▼ 2.24% |
| TFC | Truist Financial Corporation | USD 47.98 | ▼ 0.91% |
| NWG | NatWest Group plc | USD 16.59 | ▼ 2.35% |
| NU | Nu Holdings Ltd. | USD 14.64 | ▼ 0.61% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 13:33 UTC. This page is informational and not investment advice.
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