FNLC - The First Bancorp, Inc.

FNLC

$29.11 0.07 (-0.24%) Last updated: May 31, 2026 03:42

52-Week Range

$29.11

$23.41 $29.11 $30.33

Fundamentals Overview

The First Bancorp, Inc. is near the high of its 52-week range with attractive valuation, trading relatively flat today.

Valuation attractive

P/E 9 PEG 0.31 P/B 1.13 P/S 1.89

Intrinsic value (DCF)

-51.4% downside vs price

Profitability

Net margin 20.9%

Risk (Beta)

0.5 — lower vol

Earnings & growth

EPS $3.23 Rev -13.9% Profit -11.6% vs prior qtr

BullzEye Analysis

Our composite tilts Hold on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.

Composite Signal

Sell

Buy

Hold — 59% confidence Risk: Lower Volatility — Beta 0.5. Diversify and only invest what you can afford to lose.

Supporting (Buy):

Analyst grade: B+

Pressures (Sell):

DCF 51.4% downside vs price · 3M vs S&P 500: -6.3%

Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.

Key Stats

Market Cap

$328.24M

P/E (TTM)

9.01

EPS (TTM)

$3.23

Dividend Yield

5.08%

52-Week Range

$23.41 - $30.33

Volume vs Avg

N/A

Beta

0.5

About

The First Bancorp, Inc. operates as the holding company for First National Bank that provides a range of banking products and services to individuals and businesses. It offers various deposit products, including demand, NOW, savings, money market, and certificates of deposit accounts. The company also provides commercial real estate loan products, such as mortgage loans to finance investments in real property comprising multi-family residential, commercial/retail, office, industrial, hotel, educ...

Sector: Financial Services

Headquarters: US

Employees: 284

IPO Date: Jul 1999

Website: www.thefirst.com

Beta: 0.5 (Less volatile than market)

Ratings & Grades at a Glance

Overall rating: B+.

Financial story & AI narrative

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Valuation & Ratios

Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.

DCF vs price: DCF estimate is $14.15; current price is $29.11. That’s a -51.4% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.

Metric	Value
Valuation
P/E (TTM)	9.01
DCF value (model)	$14.15 (-51.4% vs price)
PEG (TTM)	0.31
P/B (TTM)	1.13
P/S (TTM)	1.89
P/FCF (TTM)	5.86
Liquidity & enterprise
Current Ratio (TTM)	0.43
Quick Ratio (TTM)	0.43
Cash Ratio (TTM)	0.24
Profitability
ROE (TTM)	N/A
ROA (TTM)	N/A
Revenue growth (YoY)	N/A
Net margin (TTM)	20.86%
Gross margin (TTM)	52.95%
Operating margin (TTM)	22.88%
Debt to equity (TTM)	N/A

Latest News

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Price Target, Ratings & Grades

Analyst price targets, consensus, rating snapshot, and institutional grades for FNLC.

Analyst Sentiment at a Glance

B+

Price target data is not available for this symbol from the current data source.

Stock Grades (Institutions)

No stock grades available for this symbol.