FNLC First Bancorp, Inc (ME) - Common Stock

NASDAQ · Banking · View on SEC EDGAR ↗
$28.42
Price · May 19, 2026
Fundamentals as of May 8, 2026
52W Range
$23–$30
74% of range
Analyst Rating
—
Price Target
—
P/E (TTM)
8.6
ROE
12.3%
Net Profit Margin
36.3%

FNLC Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

Price
$28.42
Market Cap
$297M
P/E (TTM)
8.6
EPS (TTM)
$3.07
Revenue (TTM)
—
Div Yield
5.5%
ROE
12.3%
Debt/Equity
0.3
52W Range
$23 – $30

FNLC Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

10-Year Performance Revenue, net income, margins and EPS trends

Revenue & Net Income —
EPS $3.07
3-point trend, +15.4%
2023-12-31 → 2025-12-31
Free Cash Flow $35M
3-point trend, +0.9%
2023-12-31 → 2025-12-31
Margins 36.3%

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric
5Y trend
FNLC
Peer Median
P/E (TTM)
3-point trend, -18.8%
8.6
10.1
P/S (TTM)
3-point trend, -19.3%
3.1
2.5
P/B
3-point trend, -18.7%
1.0
1.0
Price / FCF
3-point trend, -6.1%
8.6
—

Profitability Gross, operating and net margins; ROE, ROA, ROIC

Metric
5Y trend
FNLC
Peer Median
Net Profit Margin
3-point trend, -0.8%
36.3%
28.4%
ROA
3-point trend, +8.0%
1.1%
1.1%
ROE
3-point trend, -1.9%
12.3%
10.8%

Financial Health Debt, liquidity, solvency — balance sheet strength

Metric
5Y trend
FNLC
Peer Median
Debt / Equity
3-point trend, +13.8%
0.3
20.3

Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR

Metric
5Y trend
FNLC
Peer Median
Revenue YoY
18.0%
—
Revenue CAGR 3Y
0.60%
—
Revenue CAGR 5Y
4.0%
—
EPS YoY
3-point trend, +15.4%
26.3%
—
Net Income YoY
3-point trend, +16.5%
27.2%
—

Per Share Metrics EPS, book value per share, cash flow per share, dividend per share

Metric
5Y trend
FNLC
Peer Median
EPS (Diluted)
3-point trend, +15.4%
$3.07
—

Capital Efficiency Asset turnover, inventory turnover, receivables turnover

Metric
5Y trend
FNLC
Peer Median
Payout Ratio
3-point trend, -9.0%
47.5%
—

Dividends Yield, payout ratio, dividend history, 5Y CAGR

Dividend Yield
5.5%
Payout Ratio
47.5%
5Y Div CAGR
—
Ex-dateAmount
April 7, 2026$0.3700
Jan. 6, 2026$0.3700
Oct. 6, 2025$0.3700
July 8, 2025$0.3700
April 8, 2025$0.3600
Jan. 6, 2025$0.3600
Oct. 8, 2024$0.3600
July 9, 2024$0.3600
April 8, 2024$0.3500
Jan. 5, 2024$0.3500
Oct. 6, 2023$0.3500
July 7, 2023$0.3500
April 6, 2023$0.3400
Jan. 6, 2023$0.3400
Oct. 4, 2022$0.3400
July 8, 2022$0.3400
April 8, 2022$0.3200
Jan. 7, 2022$0.3200
Oct. 8, 2021$0.3200
July 7, 2021$0.3200

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

Period EPS Actual EPS Est Surprise
March 31, 2026 $0.80 — —
Dec. 31, 2024 $0.65 — —
March 31, 2024 $0.54 — —
Dec. 31, 2023 $0.60 — —
Sept. 30, 2023 $0.67 — —

Peer Comparison Key metrics vs sector peers

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
FNLC $297M 8.6 18.0% 36.3% 12.3% —
AVBH $291M -11.8 -61.9% -63.2% -8.1% —
CHMG — 17.8 -2.2% 15.9% 6.2% —
NWFL $267M 9.3 8.1% 347.0% 11.9% —
TSBK $263M 9.1 9.6% 35.3% 11.3% —
COSO — 10.8 6.4% 1254.0% 10.6% —
CZFS $300M 7.5 2.8% 370.1% 11.2% —
ISBA $366M 19.5 11.5% 24.1% 8.4% —
TFC $62.13B 12.9 53.0% 26.1% 8.2% —

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

Income Statement 9
Annual Income Statement data for FNLC
Metric Trend 202520242023202220212020201920182017201620152014
Interest Expense 10-point trend, +451.1% · · $63M $17M $11M $17M $26M $20M $14M $11M $10M $11M
Interest Income 12-point trend, +214.1% $160M $149M $128M $93M $77M $77M $79M $71M $61M $54M $51M $51M
Pretax Income 12-point trend, +117.6% $42M $33M $36M $47M $44M $32M $30M $28M $26M $24M $22M $19M
Income Tax 12-point trend, +65.2% $8M $6M $6M $8M $8M $5M $5M $4M $7M $6M $6M $5M
Net Income 12-point trend, +133.8% $34M $27M $30M $39M $36M $27M $26M $24M $20M $18M $16M $15M
EPS (Basic) 12-point trend, +124.6% $3.10 $2.45 $2.68 $3.56 $3.33 $2.50 $2.36 $2.18 $1.82 $1.68 $1.52 $1.38
EPS (Diluted) 12-point trend, +124.1% $3.07 $2.43 $2.66 $3.53 $3.30 $2.48 $2.34 $2.17 $1.81 $1.66 $1.51 $1.37
Shares (Basic) 12-point trend, +4.2% 11,088,831 11,051,829 10,998,041 10,931,328 10,903,844 10,858,606 10,815,718 10,783,419 10,747,306 10,713,290 10,674,755 10,638,527
Shares (Diluted) 12-point trend, +4.6% 11,204,567 11,138,835 11,081,888 11,030,658 10,987,179 10,932,818 10,889,309 10,852,474 10,819,018 10,829,802 10,764,869 10,710,864
Balance Sheet 16
Annual Balance Sheet data for FNLC
Metric Trend 202520242023202220212020201920182017201620152014
Cash & Equivalents 6-point trend, +10.5% · · · · · · $14M $19M $19M $17M $14M $13M
PP&E (Net) 8-point trend, +28.0% · · · · $29M $27M $21M $22M $23M $22M $22M $23M
PP&E (Gross) 6-point trend, +12.5% · · · · · · $41M $41M $41M $39M $37M $36M
Accum. Depreciation 6-point trend, +42.5% · · · · · · $20M $19M $19M $17M $16M $14M
Goodwill 12-point trend, +2.8% $31M $31M $31M $31M $31M $31M $30M $30M $30M $30M $30M $30M
Total Assets 12-point trend, +113.6% $3.17B $3.16B $2.95B $2.74B $2.53B $2.36B $2.07B $1.94B $1.84B $1.71B $1.56B $1.48B
Short-term Debt 12-point trend, -51.4% $92M $51M $70M $103M $81M $207M $175M $145M $114M $159M $222M $190M
Total Liabilities 12-point trend, +118.3% $2.88B $2.90B $2.70B $2.51B $2.28B $2.14B $1.86B $1.75B $1.66B $1.54B $1.40B $1.32B
Long-term Debt 12-point trend, +5.9% $96M $95M $0 $84.0K $55M $55M $10M $65M $115M $120M $115M $90M
Total Debt 10-point trend, -58.5% $92M $51M $70M $103M $81M $207M $175M $145M · $159M $222M ·
Common Stock 12-point trend, +4.7% $112.0K $112.0K $111.0K $110.0K $110.0K $110.0K $109.0K $109.0K $108.0K $108.0K $108.0K $107.0K
Paid-in Capital 12-point trend, +24.3% $74M $72M $70M $68M $67M $65M $64M $63M $62M $61M $60M $59M
Retained Earnings 12-point trend, +140.9% $240M $223M $212M $204M $180M $158M $145M $132M $121M $112M $107M $100M
Stockholders' Equity 12-point trend, +75.3% $283M $252M $243M $229M $246M $224M $213M $192M $181M $173M $167M $162M
Liabilities + Equity 12-point trend, +113.6% $3.17B $3.16B $2.95B $2.74B $2.53B $2.36B $2.07B $1.94B $1.84B $1.71B $1.56B $1.48B
Shares Outstanding 12-point trend, +4.6% 11,222,363 11,155,528 11,098,057 11,045,186 10,998,765 10,950,289 10,899,210 10,862,651 10,829,918 10,793,946 10,753,855 10,724,359
Cash Flow 15
Annual Cash Flow data for FNLC
Metric Trend 202520242023202220212020201920182017201620152014
Stock-based Comp 12-point trend, +124.1% $966.0K $895.0K $820.0K $809.0K $856.0K $652.0K $565.0K $381.0K $392.0K $298.0K $296.0K $431.0K
Deferred Tax 12-point trend, +350.0% $81.0K $20.0K $-1M $-127.0K $999.0K $-262.0K $336.0K $-485.0K $2M $-139.0K $332.0K $18.0K
Amort. of Intangibles 12-point trend, -92.0% $26.0K $26.0K $26.0K $69.0K $69.0K $43.0K $43.0K $43.0K $43.0K $43.0K $58.0K $326.0K
Operating Cash Flow 12-point trend, +84.8% $38M $26M $37M $41M $57M $23M $26M $34M $22M $21M $21M $20M
CapEx 12-point trend, +68.7% $3M $1M $3M $1M $4M $3M $2M $1M $3M $2M $927.0K $2M
Investing Cash Flow 12-point trend, +82.1% $-3M $-217M $-200M $-248M $-202M $-250M $-116M $-112M $-130M $-148M $-86M $-17M
Stock Issued 12-point trend, +100.4% $916.0K $867.0K $817.0K $796.0K $689.0K $670.0K $653.0K $619.0K $632.0K $531.0K $465.0K $457.0K
Stock Repurchased 12-point trend, +282000.00 $282.0K $212.0K $250.0K $277.0K $253.0K $156.0K $183.0K $168.0K $154.0K $129.0K $180.0K $0
Net Stock Activity 10-point trend, +122.5% $634.0K $655.0K $567.0K $519.0K $436.0K $514.0K $470.0K $451.0K · $402.0K $285.0K ·
Dividends Paid 12-point trend, +83.8% $16M $16M $15M $15M $14M $13M $13M $12M $11M $10M $9M $9M
Financing Cash Flow 12-point trend, -379.8% $-35M $187M $172M $208M $139M $239M $86M $78M $110M $130M $67M $-7M
Net Change in Cash 12-point trend, +104.1% $143.0K $-4M $9M $2M $-6M $12M $-5M $-73.0K $2M $3M $1M $-4M
Taxes Paid 3-point trend, +0.9% $6M $5M $6M · · · · · · · · ·
Free Cash Flow 10-point trend, +74.6% $35M $25M $34M $40M $53M $20M $24M $32M · $20M $20M ·
Levered FCF 8-point trend, -242.8% · · $-18M $26M $44M $6M $2M $15M · $12M $12M ·
Profitability 4
Annual Profitability data for FNLC
Metric Trend 202520242023202220212020201920182017201620152014
Net Margin 10-point trend, +19.1% 36.3% 33.7% 36.6% 41.9% 42.3% 34.8% 38.3% 37.5% · 32.5% 30.5% ·
Pretax Margin 10-point trend, +8.4% 44.3% 40.6% 44.3% 50.9% 51.2% 41.4% 45.4% 44.3% · 44.1% 40.8% ·
ROA 10-point trend, +3.8% 1.1% 0.86% 1.0% 1.4% 1.4% 1.2% 1.2% 1.2% · 1.1% 1.0% ·
ROE 10-point trend, +27.2% 12.3% 10.6% 12.6% 17.4% 15.0% 12.2% 12.1% 12.5% · 10.3% 9.7% ·
Liquidity & Solvency 1
Annual Liquidity & Solvency data for FNLC
Metric Trend 202520242023202220212020201920182017201620152014
Debt / Equity 10-point trend, -75.4% 0.3 0.2 0.3 0.5 0.3 0.9 0.8 0.8 · 0.9 1.3 ·
Efficiency 1
Annual Efficiency data for FNLC
Metric Trend 202520242023202220212020201920182017201620152014
Asset Turnover 10-point trend, -13.1% 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 · 0.0 0.0 ·
Per Share 6
Annual Per Share data for FNLC
Metric Trend 202520242023202220212020201920182017201620152014
Book Value / Share 10-point trend, +62.0% $25.23 $22.63 $21.90 $20.73 $22.34 $20.43 $19.50 $17.63 · $15.98 $15.58 ·
Revenue / Share 10-point trend, +71.2% $8.45 $7.21 $7.28 $8.43 $7.80 $7.13 $6.12 $5.79 · $5.12 $4.94 ·
Cash Flow / Share 10-point trend, +75.2% $3.37 $2.34 $3.33 $3.74 $5.16 $2.08 $2.39 $3.12 · $2.00 $1.93 ·
Cash / Share 4-point trend, -0.4% · · · · · · $1.32 $1.76 · $1.61 $1.33 ·
Dividend / Share 12-point trend, +77.1% $1 $1 $1 $1 $1 $1 $1 $1 $1 $1 $1 $1
EPS (TTM) 12-point trend, +124.1% $3.07 $2.43 $2.66 $3.53 $3.30 $2.48 $2.34 $2.17 $1.81 $1.66 $1.51 $1.37
Growth Rates 10
Annual Growth Rates data for FNLC
Metric Trend 202520242023202220212020201920182017201620152014
Revenue YoY 5-point trend, +81.6% 18.0% -0.47% -13.3% 8.6% 9.9% · · · · · · ·
Revenue CAGR 3Y 3-point trend, -47.4% 0.60% -2.1% 1.1% · · · · · · · · ·
Revenue CAGR 5Y 4.0% · · · · · · · · · · ·
EPS YoY 5-point trend, -20.3% 26.3% -8.6% -24.6% 7.0% 33.1% · · · · · · ·
EPS CAGR 3Y 3-point trend, -292.8% -4.5% -9.7% 2.4% · · · · · · · · ·
EPS CAGR 5Y 4.4% · · · · · · · · · · ·
Net Income YoY 5-point trend, -19.4% 27.2% -8.4% -24.3% 7.5% 33.7% · · · · · · ·
Net Income CAGR 3Y 3-point trend, -243.5% -4.1% -9.3% 2.9% · · · · · · · · ·
Net Income CAGR 5Y 4.9% · · · · · · · · · · ·
Dividend CAGR 5Y 4.2% · · · · · · · · · · ·
Valuation (TTM) 16
Annual Valuation (TTM) data for FNLC
Metric Trend 202520242023202220212020201920182017201620152014
Revenue TTM 12-point trend, +87.0% $95M $80M $81M $93M $86M $78M $67M $63M $60M $55M $53M $51M
Net Income TTM 12-point trend, +133.8% $34M $27M $30M $39M $36M $27M $26M $24M $20M $18M $16M $15M
Market Cap 10-point trend, +34.8% $297M $305M $313M $331M $345M $278M $329M $286M · $357M $220M ·
Enterprise Value 4-point trend, +14.4% · · · · · · $490M $412M · $499M $428M ·
P/E 12-point trend, -34.8% 8.6 11.3 10.6 8.5 9.5 10.2 12.9 12.1 15.0 19.9 13.6 13.2
P/S 10-point trend, -24.3% 3.1 3.8 3.9 3.6 4.0 3.6 4.9 4.5 · 6.4 4.1 ·
P/B 10-point trend, -20.3% 1.0 1.2 1.3 1.4 1.4 1.2 1.6 1.5 · 2.1 1.3 ·
P / Tangible Book 6-point trend, -18.4% 1.2 1.4 1.5 1.7 1.6 1.4 · · · · · ·
P / Cash Flow 10-point trend, -26.1% 7.8 11.7 8.5 8.0 6.1 12.3 12.6 8.4 · 16.5 10.6 ·
P / FCF 10-point trend, -22.8% 8.6 12.4 9.1 8.3 6.5 13.8 13.5 8.8 · 18.3 11.1 ·
EV / FCF 4-point trend, -7.4% · · · · · · 20.0 12.7 · 25.6 21.6 ·
EV / Revenue 4-point trend, -8.8% · · · · · · 7.3 6.6 · 9.0 8.1 ·
Dividend Yield 10-point trend, +29.6% 5.5% 5.2% 4.9% 4.5% 4.0% 4.8% 3.9% 4.2% · 2.8% 4.2% ·
Earnings Yield 12-point trend, +53.4% 11.6% 8.9% 9.4% 11.8% 10.5% 9.8% 7.7% 8.2% 6.7% 5.0% 7.4% 7.6%
Payout Ratio 10-point trend, -17.6% 47.5% 58.4% 52.2% 37.9% 38.5% 49.1% 50.8% 51.2% · 54.5% 57.7% ·
Annual Payout 12-point trend, +83.8% $16M $16M $15M $15M $14M $13M $13M $12M $11M $10M $9M $9M

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

Income Statement
2025-12-312025-09-302025-06-302025-03-312024-12-31
Net Income $34M———$27M
Diluted EPS $3.07———$2.43
Balance Sheet
2025-12-312025-09-302025-06-302025-03-312024-12-31
Debt / Equity 0.3———0.2
Cash Flow
2025-12-312025-09-302025-06-302025-03-312024-12-31
Free Cash Flow $35M———$25M

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