First Bancorp (FNLC) Stock Price & Analysis

158 Followers

FNLC Stock Chart & Stats

$37.01-$0.07(1.65%)

At close: Nov 10 4:00 PM EST

Day’s Range: $36.62 - $37.39
52-Week Range: $24.63 - $38.49
Previous Close: $36.41
Volume: N/A
Average Volume (3M): 39.11K
Market Cap: $417.84M
Enterprise Value: $488.95M
Total Cash (Recent Filing): $670.32M
Total Debt (Recent Filing): $144.88M
Price to Earnings (P/E): 10.4
Beta: 0.30
Next Earnings: Jan 20, 2027 (Est.)
EPS Estimate: N/A
Last Dividend Ex-Date: Oct 06, 2026
Dividend Yield: 4.05%

Bulls Say, Bears Say

Bulls Say

Improving Core Banking Performance

Higher net interest margin, continued loan growth, and a lower efficiency ratio indicate stronger operating execution in the core bank. Together, these trends can support durable earnings expansion by improving revenue generation while controlling the cost base.

Strong Profitability And Returns

Record quarterly earnings and strong returns on assets and tangible common equity show that FNLC is converting its banking franchise into substantial profits. This provides internal capital to support lending, resilience, and shareholder returns over coming quarters.

Improving Capital Posture

Lower leverage alongside steady-to-improving returns suggests a healthier recent capital position. Greater balance-sheet flexibility can help FNLC absorb credit or earnings pressure and continue funding customer growth without relying as heavily on additional leverage.

Bears Say

Profitability Volatility

Although profitability has rebounded, the prior compression shows that FNLC’s earnings profile is not consistently stable across cycles. Margin variability can make future results less predictable and may limit how confidently investors can extrapolate the latest strong performance.

Cash-flow Trend Uncertainty

The extreme TTM cash-flow readings make the latest trend difficult to interpret and reduce confidence in the durability of reported cash generation. Historical free-cash-flow growth was also inconsistent, including multiple down years, creating uncertainty around internal funding capacity.

Variable Leverage Policy

The multi-year movement in leverage indicates that FNLC’s funding mix has changed materially over time. Even with recent improvement, this variability introduces uncertainty about financial policy and could affect flexibility, funding costs, and future balance-sheet resilience.

First Bancorp News

The First Bancorp reports Q3 EPS 95c vs. 81c last year

Net Interest Margin expanded to 2.99%, a 29-basis point increase from Q3 2025. Loan growth in the period of $17.8M. Efficiency Ratio of 47.94%, improved from 50.40% in Q3 2025.

2w agoFNLC EARNINGS

First Bancorp Declares Third-Quarter Cash Dividend Increase

First Bancorp ( ($FNLC) ) has issued an announcement. On September 24, 2026, The First Bancorp announced that its board declared a third-quarter cash dividend of 38 cents per share,

1M ago8K FNLC

The First Bancorp reports Q2 EPS 85c vs. 72c last year

Net Interest Margin expanded to 2.88%, a 36-basis point increase from Q2 2025. Loan growth in the period of $18.6M. Efficiency Ratio of 50.33%, improved from 52.39% in Q2 2025.

3M agoFNLC

First Bancorp Announces CIO Leadership Transition at Subsidiary

First Bancorp ( ($FNLC) ) has provided an update. First National Bank, a subsidiary of First Bancorp, has marked a major leadership transition in its technology organization following the retirement

4M ago8K FNLC

First Bancorp extends streak with higher quarterly dividend

First Bancorp ( ($FNLC) ) has provided an announcement. On June 25, 2026, The First Bancorp, parent of First National Bank, declared a second-quarter cash dividend of $0.38 per share,

4M ago8K FNLC

First Bancorp Announces Results of Recent Shareholder Vote

First Bancorp ( ($FNLC) ) has provided an announcement. First Bancorp reported developments related to its operations as disclosed on page 1 of its latest communication, but the specific financial

6M ago8K FNLC

First Bancorp Names Cornelius Russell New Board Chair

An announcement from First Bancorp ( ($FNLC) ) is now available. On April 29, 2026, The First Bancorp announced that its board of directors elected Cornelius “Connie” Russell as chair

6M ago8K FNLC

First Bancorp Updates Corporate Bylaws and Governance Framework

First Bancorp ( ($FNLC) ) just unveiled an update. On April 29, 2026, First Bancorp amended its corporate bylaws, formalizing governance changes approved by the company on that date. The

6M ago8K FNLC

The First Bancorp reports Q1 EPS 80c vs. 91c last year

Net Interest Margin expanded to 2.86%, a 38 basis point increase from Q1 2025. Efficiency Ratio of 52.64%, improved from 56.93% in Q1 2025. Tangible Book Value per share rose

6M agoFNLC

First Bancorp Declares Q1 Dividend, Highlights Shareholder Focus

An update from First Bancorp ( ($FNLC) ) is now available. On March 26, 2026, The First Bancorp declared a first-quarter cash dividend of $0.37 per share, payable on April

7M ago8K FNLC

First Bancorp Names New Executive Vice President and CIO

The latest announcement is out from First Bancorp ( ($FNLC) ). First Bancorp, parent of First National Bank, has appointed Brad Martin as Executive Vice President and Chief Information Officer,

10M ago8K FNLC

First Bancorp Declares Fourth-Quarter Dividend, Highlights Strong Year

First Bancorp ( ($FNLC) ) has shared an announcement. On December 18, 2025, The First Bancorp declared a fourth-quarter cash dividend of $0.37 per share, payable on January 16, 2026

10M ago8K FNLC

First Bancorp Announces Third-Quarter Cash Dividend

First Bancorp ( ($FNLC) ) has shared an announcement. On September 25, 2025, The First Bancorp announced a third-quarter cash dividend of 37 cents per share, payable on October 16,

1y ago8K FNLC

The First Bancorp reports Q4 EPS 65c vs 68c last year

“The First Bancorp (FNLC) concluded 2024 with annual earnings of $27.0 million,” commented Tony McKim, the Company’s President and Chief Executive Officer. “While down from the prior year we are

1y agoFNLC

FNLC FAQ

What was First Bancorp’s price range in the past 12 months?

First Bancorp lowest stock price was $24.63 and its highest was $38.49 in the past 12 months.

What is First Bancorp’s market cap?

First Bancorp’s market cap is $417.84M.

When is First Bancorp’s upcoming earnings report date?

The company’s upcoming earnings report date is not yet available.

How were First Bancorp’s earnings last quarter?

First Bancorp released its earnings results on Oct 21, 2026. The company reported $0.946 earnings per share for the quarter.

Is First Bancorp overvalued?

Not enough analysts have published a price target to calculate whether the price is overvalued.

Does First Bancorp pay dividends?

First Bancorp pays a quarterly dividend of $0.38 which represents an annual dividend yield of 4.05%. See more information on First Bancorp dividends here

What is First Bancorp’s EPS estimate?

First Bancorp’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does First Bancorp have?

First Bancorp has 11,290,036 shares outstanding.

What happened to First Bancorp’s price movement after its last earnings report?

First Bancorp reported an EPS of $0.946 in its last earnings report. Following the earnings report the stock price went up 4.659%.

Which hedge fund is a major shareholder of First Bancorp?

Hedge funds hold First Bancorp shares: the largest hedge-fund position in First Bancorp is 71,884,910 shares, and hedge funds increased their holdings by 49.9K shares last quarter.

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

First Bancorp Stock Smart Score

Neutral

Learn more about TipRanks Smart Score

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Company Description

First Bancorp

The First Bancorp, Inc. functions as the holding company for First National Bank, providing a comprehensive suite of banking products and financial services to both individual customers and commercial enterprises. Its deposit offerings encompass various account types, such as demand, NOW, savings, money market, and certificates of deposit. The institution also plays a key role in commercial real estate financing, issuing mortgage loans for investments in diverse property types including multi-family dwellings, retail outlets, offices, industrial sites, hotels, and educational facilities. It also funds commercial construction projects, whether for owner-occupied properties or other ventures. Additionally, it extends other commercial credit solutions like revolving lines and term loans, designed to assist businesses and corporations with their working capital needs or capital investments. Furthermore, First Bancorp furnishes loans to municipalities for capital expenditures, construction initiatives, or as tax-anticipation notes. Its residential lending portfolio includes amortizing home mortgages and construction loans for owner-occupied homes, along with home equity loans and lines of credit. For individuals, it provides consumer loans, which are typically amortizing and secured by assets such as automobiles, pleasure crafts, and recreational vehicles, or available as unsecured short-term notes. Beyond traditional banking, the company delivers specialized services including private banking, financial planning, investment management, and trust administration, catering to individuals, businesses, non-profit organizations, and municipalities. Payment processing solutions are also part of its service array. The company operates through 18 full-service banking branches strategically situated across Maine's Mid-Coast, Eastern, and Down East regions, specifically within Lincoln, Knox, Waldo, Penobscot, Hancock, and Washington counties. Established in 1864, the organization was originally known as First National Lincoln Corporation, adopting its current name, The First Bancorp, Inc., in April 2008. Its corporate headquarters are located in Damariscotta, Maine.

First Bancorp (FNLC) Earnings & Revenues

Historic Earnings Reports

Technical Analysis

Overall Consensus

Indicator	Bullish	Neutral	Bearish
Overall Consensus	15	6	1
Technical Analysis	3	6	1
Moving Averages	12	0	0

Technical Analysis >

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Ownership Overview

4.99% Insiders
11.49% Mutual Funds
8.26% Other Institutional Investors
60.05% Public Companies and Individual Investors

Detailed Ownership Overview >

Options Prices

Expiration Date: Nov 20, 2026

CallsPuts

FNLC call options for the Nov 20, 2026 expiration
Last Price	% Change	Strike
―	―	25.0
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―	―	45.0
―	―	50.0

FNLC put options for the Nov 20, 2026 expiration
Last Price	% Change
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Detailed Option Prices >

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FNLC Stock Chart & Stats

Bulls Say, Bears Say

Bulls Say

Improving Core Banking Performance

Strong Profitability And Returns

Improving Capital Posture

Bears Say

Profitability Volatility

Cash-flow Trend Uncertainty

Variable Leverage Policy

First Bancorp News

The First Bancorp reports Q3 EPS 95c vs. 81c last year

First Bancorp Declares Third-Quarter Cash Dividend Increase

The First Bancorp reports Q2 EPS 85c vs. 72c last year

First Bancorp Announces CIO Leadership Transition at Subsidiary

First Bancorp extends streak with higher quarterly dividend

First Bancorp Announces Results of Recent Shareholder Vote

First Bancorp Names Cornelius Russell New Board Chair

First Bancorp Updates Corporate Bylaws and Governance Framework

The First Bancorp reports Q1 EPS 80c vs. 91c last year

First Bancorp Declares Q1 Dividend, Highlights Shareholder Focus

First Bancorp Names New Executive Vice President and CIO

First Bancorp Declares Fourth-Quarter Dividend, Highlights Strong Year

First Bancorp Announces Third-Quarter Cash Dividend

The First Bancorp reports Q4 EPS 65c vs 68c last year

FNLC FAQ

First Bancorp Stock Smart Score

Company Description

First Bancorp

First Bancorp (FNLC) Earnings & Revenues

Technical Analysis

Overall Consensus

Similar Stocks

Ownership Overview

Options Prices

Popular Stocks

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