NMS · Banks - Regional

First Bancorp, Inc (ME) (FNLC) Stock

$36.36 +0.53% NMS: FNLC Financial Services

Valuation

MetricValue
Price$36.36
Market Cap$410.22M
P/E Ratio10.03
P/B Ratio1.30
P/S Ratio2.21
EPS (TTM)$3.07
52-Week High$36.36
52-Week Low$24.08
Dividend Yield4.44%

Financials & Margins

MetricValue
ROE13.30%
ROA1.18%
ROCE12.87%
Gross Margin23.60%
Operating Margin23.60%
Net Margin21.66%
Debt/Equity0.68
Current Ratio0.11

Annual Financials (USD)

Metric20212022202320242025
Revenue$96.0M$110.0M$144.0M$165.0M$178.0M
Operating Profit$44.0M$47.0M$36.0M$33.0M$42.0M
Net Profit$36.0M$39.0M$30.0M$27.0M$34.0M
EPS$3.30$3.53$2.66$2.43$3.07
Op Margin45.5%43.1%24.9%19.7%23.6%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$2.5B$2.7B$2.9B$3.2B$3.2B
Total Liabilities$2.3B$2.5B$2.7B$2.9B$2.9B
Cash$87.0M$26.0M$35.0M$50.0M$32.0M
Borrowings$136.0M$103.0M$70.0M$146.0M$188.0M

Latest News

The First Bancorp Declares Second Quarter Dividend Business Wire · Jun 25, 2026 Undervalued Small Caps With Insider Buying To Enhance Your Portfolio Simply Wall St. · May 20, 2026 First Bancorp (FNLC) Shareholders OK All Annual Meeting Proposals as Chair Tindall Retires MarketBeat · Apr 29, 2026 The First Bancorp Inc.: Q1 Earnings Snapshot Associated Press · Apr 22, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$57.0M$41.0M$37.0M$26.0M$38.0M
Investing Cash Flow$-206.0M$-249.0M$-202.0M$-219.0M$-6.0M
Financing Cash Flow$278.0M$255.0M$221.0M$125.0M$-61.0M
Net Cash Flow$-6.0M$2.0M$9.0M$-4.0M$0
Free Cash Flow$53.0M$40.0M$34.0M$25.0M$35.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.39
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y34.06%
Return 3Y49.40%
Return 5Y55.45%

Ownership

Insiders Held4.93%
Institutions Held52.65%
Institutions Float Held55.38%
Institutional HolderSharesReport Date
Blackrock Inc.856,0892026-03-31
First Bancorp, Inc/ME/741,5172026-03-31
Dimensional Fund Advisors LP459,7042026-03-31
Vanguard Capital Management LLC406,1482026-03-31
Manufacturers Life Insurance Co.378,0342026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
CBANColony Bankcorp, Inc. $20.36 +0.54% 12.39 $432.06M 2.35%
COSOCoastalSouth Bancshares, Inc. $27.92 +0.43% 11.68 $333.77M 0.74%
CZFSCitizens Financial Services, Inc. $84.57 +1.00% 9.44 $406.77M 2.52%
CZNCCitizens & Northern Corp $27.75 +4.17% 17.37 $497.69M 4.37%
FSBWFS Bancorp, Inc. $43.88 -1.06% 9.98 $344.99M 2.62%

About First Bancorp, Inc (ME)

First Bancorp, Inc (ME) is led by CEO Tony C. McKim, employs 284 people, headquartered in US, publicly traded since 1999.

First Bancorp, Inc (ME) (FNLC) stock trades at $36.36 with a market capitalization of $410.22M. The stock is valued at a price-to-earnings (P/E) ratio of 10.03, price-to-book of 1.30, price-to-sales of 2.21. Over the past 52 weeks the stock has ranged between $24.08 and $36.36, and currently trades at or near its 52-week high. It pays a dividend yielding 4.44%.

On profitability, First Bancorp, Inc (ME) generates a return on equity (ROE) of 13.30%, return on capital employed of 12.87%, an operating margin of 23.60%, a net profit margin of 21.66%.

First Bancorp, Inc (ME) by the numbers, 2016–2025

Between 2016 and 2025 First Bancorp, Inc (ME) reported revenue of $66.0M rising to $178.0M, a change of +169.7% across 10 years. Compounded, revenue has grown 13.4% a year over five years, 17.4% over three, 7.9% over the last twelve months. Net profit rose to $34.0M.

Operating margin went from 36.9% in 2016 to 23.6% in 2025, a fall of 13.3 percentage points. The most recent net margin is 21.66%. On a trailing twelve-month basis to Jun '26, revenue is $174.0M and net profit $38.0M.

Borrowings fell from $279.0M to $188.0M, cash from operations was $38.0M in the latest year, positive in 10 of the last 10.

Return on equity has averaged 13.3% over five years, and was 12.0% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

First Bancorp, Inc (ME) (FNLC) — frequently asked questions

What is First Bancorp, Inc (ME) (FNLC) stock price today?

First Bancorp, Inc (ME) (FNLC) is currently trading at $36.36, up 0.53% today.

What is FNLC P/E ratio?

First Bancorp, Inc (ME)'s P/E ratio is 10.03. This is below the typical market average of roughly 18-22x. A low P/E can reflect a lower valuation, slower expected growth, or both.

What is FNLC return on equity (ROE)?

First Bancorp, Inc (ME)'s return on equity (ROE) is 13.30%. ROE measures net income relative to shareholders' equity. This is within the typical market range of roughly 12-15%.

What is First Bancorp, Inc (ME)'s market cap?

First Bancorp, Inc (ME) has a market capitalization of $410.22M.

Does FNLC pay a dividend?

Yes. First Bancorp, Inc (ME) currently yields 4.44%. Yield moves with the share price, so it changes daily even when the payment does not.

How much debt does FNLC carry?

First Bancorp, Inc (ME) has a debt-to-equity ratio of 0.68. That compares total borrowings with shareholders' equity: a figure under 1 means equity exceeds debt.

What is FNLC's profit margin?

First Bancorp, Inc (ME) reports a net profit margin of 21.66% — the share of revenue left after every cost, including tax and interest.

What sector is FNLC in?

First Bancorp, Inc (ME) is classified under Financial Services, in the Banks - Regional industry. Ratios are most informative compared with other companies in the same industry rather than across the whole market.

Which exchange is FNLC listed on?

First Bancorp, Inc (ME) trades on NMS under the ticker FNLC.

What is FNLC's 52-week range?

Over the last year First Bancorp, Inc (ME) has traded between $24.08 and $36.36.

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Screens FNLC currently matches

On the figures above, First Bancorp, Inc (ME) passes the filters for 15 of our ready-made screens, among them Small Cap Stocks, Stocks With PE Under 20, High Dividend Low PE Stocks. Appearing on a screen means the numbers meet its filters today and nothing more; the list is rebuilt whenever the data changes.

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