FNLC - The First Bancorp, Inc.

FNLC

$33.79 +0.35 (+1.05%) Last updated: Jul 15, 2026 05:59

52-Week Range

$33.79

$24.08 $33.79 $35.93

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 10.5 PEG 0.36 P/B 1.31 P/S 2.19

Intrinsic value (DCF)

-52% downside vs price

Profitability

Net margin 20.9%

Risk (Beta)

0.48 — 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 — 54% confidence Risk: Lower Volatility — Beta 0.48. Diversify and only invest what you can afford to lose.

Supporting (Buy):

Analyst grade: B+ · 3M vs S&P 500: +5.7% · 3M vs Financial Services sector: +6.6%

Pressures (Sell):

DCF 52% downside vs price

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

Key Stats

Market Cap

$381.01M

P/E (TTM)

10.46

EPS (TTM)

$3.23

Dividend Yield

4.41%

52-Week Range

$24.08 - $35.93

Volume vs Avg

N/A

Beta

0.48

About

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-fa...

Sector: Financial Services

Headquarters: US

Employees: 278

IPO Date: Jul 1999

Website: www.thefirst.com

Beta: 0.48 (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 $16.21; current price is $33.79. That’s a -52% 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)	10.46
DCF value (model)	$16.21 (-52% vs price)
PEG (TTM)	0.36
P/B (TTM)	1.31
P/S (TTM)	2.19
P/FCF (TTM)	6.8
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.