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First Bancorp Inc (FNLC)

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The First Bancorp, Inc. is a bank holding company for First National Bank, a Maine-based financial institution serving individual and corporate clients. Through its banking franchise, the company accepts a range of deposit accounts, including demand, NOW, savings, money market, time, and certificates of deposit. Its lending activities include commercial and industrial loans, commercial real estate and construction financing, multifamily and residential real estate loans, municipal lending in Maine, and consumer credit products such as home equity loans and personal lines of credit. The company also provides private banking, financial planning, investment management, trust, brokerage, annuity, and insurance services. Its banking offices are located in Lincoln, Knox, Waldo, Penobscot, Hancock, and Washington counties in Maine. Founded in 1864 and based in Damariscotta, Maine, The First Bancorp changed its name from First National Lincoln Corporation in 2008.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-FNLC
$36.10
7.4% Upside
Fair
—
—
—
Good
—
—
1.52
4.4%
July 22, 2026
10.4x
1.3x
3.9x
387.4 M
—
34.1%
94.6%
-1.9
45.4%
154.3%
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Valuation • Fair Value

First Bancorp Inc (NASDAQ-FNLC) Fair Value by Valuation Model

Compare the primary fair value estimate for First Bancorp Inc (NASDAQ-FNLC) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$36.10

Estimated upside of 7.4% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$35.73

Classic Ben Graham valuation formula reference.

DDM Fair Value

$51.84

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$30.85

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use this section to compare the primary fair value estimate for First Bancorp Inc (NASDAQ-FNLC) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for First Bancorp Inc (NASDAQ-FNLC)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

95.978 M

Current operating scale indicator.

Revenue Forecast

104.5 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review First Bancorp Inc (NASDAQ-FNLC) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for First Bancorp Inc (NASDAQ-FNLC)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Good

Positive financial-health read.

Piotroski Score

5

Mid-range quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-1.9

Lower score that deserves closer risk review.

FCF / Net Income

154.3%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for First Bancorp Inc (NASDAQ-FNLC). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for First Bancorp Inc (NASDAQ-FNLC)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 22, 2026

Days to Earnings

1

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

4.4%

Income yield reference.

Upcoming Dividend

1.52

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

45.4%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for First Bancorp Inc (NASDAQ-FNLC), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

First Bancorp Inc (NASDAQ-FNLC) Stock Forecast & Technical Outlook

Review First Bancorp Inc (NASDAQ-FNLC) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for First Bancorp Inc (NASDAQ-FNLC) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for First Bancorp Inc (NASDAQ-FNLC) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Neutral

The daily technical read for First Bancorp Inc (NASDAQ-FNLC) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for First Bancorp Inc (NASDAQ-FNLC) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for First Bancorp Inc (NASDAQ-FNLC) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for First Bancorp Inc (NASDAQ-FNLC)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Not available

Analyst recommendation data for First Bancorp Inc (NASDAQ-FNLC) is not currently available.

Buy 0
Hold 0
Sell 0
FAQ • Fast Investor Answers

First Bancorp Inc (NASDAQ-FNLC) Stock FAQ

Quick answers about First Bancorp Inc (NASDAQ-FNLC) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$36.10
Estimated upside 7.4%
Valuation Rating
Undervalued
Estimated upside of 7.4%
Analyst Target
Not available
Data is currently unavailable
Financial Health
Good
Current financial-health read

The current fair value estimate for First Bancorp Inc (NASDAQ-FNLC) is $36.10. This implies an estimated upside of 7.4% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 7.4% versus the current market price.

An analyst price target for First Bancorp Inc (NASDAQ-FNLC) is not currently available in the latest data file.

The current financial health read for First Bancorp Inc (NASDAQ-FNLC) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for First Bancorp Inc (NASDAQ-FNLC) is July 22, 2026.

Based on the current data, dividend yield is 4.4%, upcoming dividend amount is 1.52.

The current P/E ratio listed for First Bancorp Inc (NASDAQ-FNLC) is 10.4x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for First Bancorp Inc is 387.4 M.

The ticker symbol for First Bancorp Inc is NASDAQ-FNLC, and the stock is listed on NASDAQ.

First Bancorp Inc (NASDAQ-FNLC) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for First Bancorp Inc is 34.1%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for First Bancorp Inc is 94.6%. Free float helps investors understand how much of the share base is available for public trading.

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