Financial Services
The First Bancorp, Inc.(FNLC)
Live Price
Offline$30.38
+1.57% today
1Y Change
+22.47%
Window
Jun 25, 2025 โ Jun 16, 2026
- Market Cap
- $330.00M
- Revenue Growth
- +7.4%
- EPS Growth
- +26.5%
- Dividend Yield
- 5.1%
Coverage: 245 bars ยท Jun 25, 2025 โ Jun 16, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
The First Bancorp, Inc. (FNLC) is a Financial Services stock with a market cap of $330.00M and listed on NASDAQ. The stock last traded around $30.38 and up 22.5% across the available one-year price window (Jun 25, 2025 โ Jun 16, 2026). Baseline metrics include revenue growth of +7.4%, EPS growth of +26.5%, a dividend yield of 5.1%. What stands out right now is revenue +7.4%, EPS +26.5%, free cash flow +40.8% with operating margin 22.9% and ROIC 1.0%. The dividend matters to the case here, with a current yield around 5.1%. Valuation is more restrained than many high-expectation growth names at P/E 8.9 and price/sales 1.9. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines FNLC price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+7.4% vs +3.4% peer median
Operating Margin
Above sector median
+22.9% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 22, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +7.4% and EPS at +26.5%, with operating margin around 22.9%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 5.1%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -3.1% over the next 5 trading days and finished higher after 0 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 22, 2026 | โ | +1.7% | -0.6% | +0.3% |
2026 Jan 21, 2026 | โ | -0.6% | -4.2% | +2.8% |
2025 Oct 22, 2025 | โ | -1.4% | -4.5% | -3.5% |
Benchmark Edge
FNLC vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
FNLC
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
FNLC Max Drawdown
-12.56%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for FNLC and SPY.
Company Overview
The First Bancorp, Inc.
NASDAQ Global Select
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, educational, and other specific or mixed use properties; commercial construction loans to finance construction of owner- and non-owner occupied commercial real estate properties; and other commercial loans, which include revolving and term loan obligations to business and corporate enterprises for the purpose of financing working capital or capital investment. In addition, it offers municipal loans for capitalized expenditures, construction projects, or tax-anticipation notes; residential term loans that include amortizing home mortgages and construction loans, which include loans for owner-occupied residential construction; home equity loans and lines of credit; and consumer loans, which are amortizing loans to individuals collateralized by automobiles, pleasure crafts, and recreation vehicles, as well as unsecured short-term time notes. Further, the company provides private banking, financial planning, investment management, and trust services to individuals, businesses, non-profit organizations, and municipalities, as well as payment processing services. It operates through 18 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.
- Leadership
- Tony C. McKim
- IPO Date
- Jul 14, 1999
- Employees
- 284
- Street Address
- 223 Main Street
- Mailing
- Damariscotta, ME, 04543
- Region
- Damariscotta, ME, US
- Reporting Currency
- USD
- Investor Line
- 207 563 3195
- Last Updated
- Apr 29, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 8.9
- EV/EBITDA
- 12.2
- Price/Sales
- 1.9
- Price/Book
- 1.1
Growth
- Revenue
- +7.4%
- EPS
- +26.5%
- Free Cash Flow
- +40.8%
Profitability
- Gross Margin
- 52.9%
- Operating Margin
- 22.9%
- Net Margin
- 20.9%
- ROE
- 13.1%
- ROIC
- 1.0%
Balance Sheet
- Debt/Equity
- 0.68
- Current Ratio
- โ
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.