$28.60
▲ +$0.31
(+1.10%)
Vol 13K
9
Quality Score
ok
Deep Check
1/5
fail
Rev ✗
NI ✓
>IPO ✗
Mkt Cap
$296.6M
P/E
9.4
ROE
12.0%
Margin
38.1%
D/E
0.00
Beta
0.59
Div Yield
5.60%
52W
$22–$29
Price Chart
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Earnings
Beat rate: 0.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2024 | — | $0.65 | — |
| Mar 2024 | — | $0.54 | — |
| Dec 2023 | — | $0.60 | — |
| Sep 2023 | — | $0.67 | — |
Quarterly Revenue & Earnings
| Quarter | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|
| Revenue | $22.2M | $21.8M | $22.5M | $24.5M | $25.9M |
| Net Income | $7.3M | $7.1M | $8.1M | $9.1M | $10.2M |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 11.6% | 11.6% | 11.6% | 12.0% | 12.0% | 12.0% |
| P/E (TTM) | 9.49 | 9.73 | 9.73 | 8.82 | 9.09 | 9.42 |
| Net Margin | — | 38.1% | 38.1% | 38.1% | 38.1% | 38.1% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
1.0%
P/S (TTM)
3.30
P/B
1.2
EPS (TTM)
$2.82
CF/Share
$3.08
Rev Growth 3Y
+5.8%
52W High
$28.60
52W Low
$22.11
$22.11
52-Week Range
$28.60
Financial Health
Free Cash Flow
$13.9M
Net Debt
$105.6M
Cash
$31.9M
Total Debt
$137.5M
As of Dec 31, 2025
How does FNLC compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
FNLC valuation vs Banking peers
P/E ratio
9.4
▼
25%
below
peers
(12.6)
vs Peers
vs Industry
Undervalued
P/S ratio
3.3
▲
42%
above
peers
(2.3)
vs Peers
vs Industry
Overvalued
P/B ratio
1.2
▲
15%
above
peers
(1.1)
vs Peers
vs Industry
Overvalued
Div yield
5.6%
▲
87%
above
peers
(3.0%)
vs Peers
vs Industry
Strong yield
FNLC profitability vs Banking peers
ROE
12.0%
▲
33%
above
peers
(9.0%)
vs Peers
vs Industry
Top tier
Net margin
38.1%
▲
33%
above
peers
(28.6%)
vs Peers
vs Industry
Top tier
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
1.0%
▲
4%
above
peers
(1.0%)
vs Peers
vs Industry
In line
FNLC financial health vs Banking peers
D/E ratio
0.0
▼
100%
below
peers
(13.8)
vs Peers
vs Industry
Low debt
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.6
▼
14%
below
peers
(0.7)
vs Peers
vs Industry
Less volatile
FNLC fundamentals radar
FNLC
Peer median
Industry
FNLC profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
FNLC vs peers: key metrics
Insider Activity
NeutralBuys
0
Sells
0
GREGORY ROBERT B
Director · Jan 29
750 shs
WARD F STEPHEN
Director · Jan 29
750 shs
TINDAL BRUCE B
Director · Jan 29
750 shs
SMITH STUART G
Director · Jan 29
750 shs
ELDER RICHARD M
Chief Financial Officer · Jan 29
3304 shs
MCKIM TONY C
Chief Executive Officer · Jan 29
9627 shs
RUSSELL CORNELIUS J
Director · Jan 29
750 shs
TOLMAN SARAH J
Officer · Jan 29
2926 shs
PLUMMER TAMMY L
Chief Technology Officer · Jan 29
2549 shs
KELLY RENEE W
Director · Jan 29
750 shs
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As of Dec 31, 2025
Dividends
$1.47
/ year
Jan 06, 2026
$0.3700
Oct 06, 2025
$0.3700
Jul 08, 2025
$0.3700
Apr 08, 2025
$0.3600
Jan 06, 2025
$0.3600
Oct 08, 2024
$0.3600
Jul 09, 2024
$0.3600
Apr 08, 2024
$0.3500
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