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First Bancorp(NASDAQ) FNLC

Market Cap$395.22MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1999)+1,547%
5 Year+55%
1 Year+36%
1 Month-2%
Premium Feature
Moneyball Superscore
69/100
$34.97
+0.89%
+0.31Today
After hours$34.91-$0.06 (-0.17%)
First Bancorp last closing stock price
MetricPriceDate
Last closeUSD 35.032026-09-03
First Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+1.45%USD 34.532026-08-27
1 month-1.77%USD 35.662026-08-04
3 month+18.79%USD 29.492026-06-05
Year to date+37.53%USD 25.472025-12-31
1 year+36.48%USD 25.672025-09-03
3 year+67.12%USD 20.962023-09-01
5 year+55.16%USD 22.582021-09-03
Since inception+1,547%USD 2.101999-07-14

First Bancorp Financials at a Glance

Market Cap

$395.22MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$174.59M

Net Income (TTM)

$37.81M

EPS (TTM)

$3.36

P/E Ratio

10.42

Dividend

$1.49

Beta (Volatility)

0.56 (Low)

Price

$34.97

Volume

27,111.55

Open

$34.87

Previous Close

$35.03

Daily Range

$34.16 - $35.07

52-Week Range

$24.08 - $36.30

Estimated Earnings Date

Oct 21, 2026

FNLC News

The Highest-Rated Commercial Bank Stocks

Dan DzombakNov 14, 2011

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About First Bancorp

The First Bancorp, Inc. helps Maine families and businesses manage money. It provides home mortgages and loans to local customers. The company also manages investments and plans for retirement.

Banking Tools for Mainers

  • Commercial Lending: Mortgages for investment properties and loans for business operations; serves the retail, office, and industrial sectors.
  • Residential Mortgages: Term loans and construction financing for owner-occupied homes.
  • Consumer Banking: Personal accounts such as savings and money markets, along with car and boat loans.
  • Wealth Management: Investment management, trust administration, and financial planning for individuals and non-profit organizations.
  • Municipal Financing: Capital expenditure loans and tax-anticipation notes for local governments to fund town projects.

Strategic Steps in Maine

  • Expanded the total loan portfolio to $2.42 billion by June 30, 2026.
  • Increased commercial and industrial loan balances by $17.2 million in the first half of 2026.
  • Raised municipal loan balances by $8.8 million during the six-month period ended June 30, 2026.
  • Grew home equity lending by $18.0 million over the first six months of 2026.

Deep Roots and Strong Capital

First Bancorp operates 18 branches across coastal and eastern Maine to provide local banking services. It maintains a total risk-based capital ratio of 14.2%, which is a measure of financial strength that ensures the bank can handle potential losses.

Banking by the Numbers

  • Net income was $18.6 million in the six-month period ended June 30, 2026, up 22.5% year over year.
  • Net interest income on a tax-equivalent basis was $43.2 million in the six-month period ended June 30, 2026, up 14.8% year over year.
  • The market capitalization was $386.6 million in the second quarter of 2026, up 37.6% year over year.
  • The price-to-earnings ratio was 10.1 in the second quarter of 2026, up 16.3% year over year.

Bottom Line

First Bancorp has evolved from a local bank founded in 1864 into a regional financial institution with diverse lending and wealth management services. Its steady expansion in Maine and focus on capital strength support its long-term operational stability.

AI Generated • Aug 7, 2026

Industry

Banks

Sector

Financials

Employees

278

CEO

Tony C. McKim

Website

www.thefirst.com

Headquarters

Damariscotta, ME 04543, US

FNLC Financials

Key Financial Metrics (TTM)

Gross Margin

54.41%

Operating Margin

23.76%

Net Income Margin

21.66%

Return on Equity

13.30%

Return on Capital

8.90%

Return on Assets

1.18%

Earnings Yield

9.60%

Dividend Yield

4.25%

Payout Ratio

43.98%

Stock Overview

Market Cap

$395.22MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

11.28M

Volume

27.11K

Avg. Volume

35.45K

Financials (TTM)

Gross Profit

$94.98M

Operating Income

$41.49M

EBITDA

$43.15M

Operating Cash Flow

$38.25M

Capital Expenditure

-$2.45M

Free Cash Flow

$35.80M

Cash & ST Invst.

$29.76M

Total Debt

$214.07M

First Bancorp Performance Analysis

First Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 108,280,00018.2%
20232023-12-31USD 142,482,00031.6%
20242024-12-31USD 164,110,00015.2%
20252025-12-31USD 177,611,0008.2%
First Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-303.5%
Q42025-12-31-0.0%
Q12026-03-31-13.9%
Q22026-06-3013.7%
First Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.537.1%
20232023-12-31USD 2.66-24.6%
20242024-12-31USD 2.43-8.8%
20252025-12-31USD 3.0726.4%
First Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3012.5%
Q42025-12-3112.3%
Q12026-03-31-12.1%
Q22026-06-306.2%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$44.50M

+1.2%

Gross Profit

$24.89M

+12.9%

Gross Margin

55.93%

N/A

Market Cap

$395.22MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.42M

N/A

Employees

278

N/A

Net Income

$9.56M

+18.6%

EBITDA

$12.05M

+15.9%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$29.76M

-90.4%

Total Debt

$214.07M

+9.1%

Accounts Receivable

$20.11M

+3.7%

Inventory

$0.00

N/A

Long Term Debt

$0.00

-100.0%

Short Term Debt

$214.07M

+111.6%

Return on Assets

1.18%

N/A

Return on Invested Capital

12.87%

N/A

Free Cash Flow

-$12.98M

-279.5%

Operating Cash Flow

-$12.79M

-273.6%

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Questions About FNLC

What is the current price of First Bancorp?

First Bancorp is trading at $35.03 per share.

What is the 52-week range for First Bancorp?

Over the past 52 weeks, First Bancorp has traded between $24.08 and $36.30.

How much debt does First Bancorp have?

As of the most recent reporting period, First Bancorp reported total debt of $214.07M.

How much cash does First Bancorp have on hand?

First Bancorp does not have cash on hand data available.

What is First Bancorp’s dividend yield?

First Bancorp currently has a dividend yield of 4.25%.

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