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Buy Day today: Poor Neutral (49) Good Mixed market breadth · no major macro event

First Bancorp Inc (FNLC)

Financial Services Banks - Regional
34.40 $
Closing price · As of: 20. Jul 2026
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Basics

Market Cap
0.4Mrd. $
Shares Outstanding
11Mio.
Float
94.6%
Beta
0.5

Performance

Perf. 1M
19.70%
Perf. 3M
27.70%
Perf. 6M
33.20%
YTD Performance (%)
31.50%
52-Week-High Distance
-1.3%

Valuation

P/E
11.0
Forward P/E
12.2
PEG
P/B
1.3
P/S
2.2
EV/EBITDA
0.0
Price/FCF
6.8

Profitability

Gross Margin
100.0%
EBIT Margin
Net Margin
37.8%
Return on Equity
13.3%
Return on Assets
1.1%

Balance Sheet & Safety

Equity Ratio
Debt/Equity
0.7
Altman Z
3.57
Piotroski
5 von 9

Growth

Sales Growth Last Quarter
14.50%
EPS Growth Last Quarter
27.00%
Sales Growth (Year)
7.37%
Forward Sales Growth
Forward EPS Growth

Dividend

Dividend Yield
4.34%
Dividend Per Share (TTM)
1.86$
Payout Ratio
46.0%
Years Without a Cut
10Years
Increase Streak
7Years

Quality & Screener

Stage
2
RS Rating
73
EPS Rating
69
Piotroski
5 von 9
Fundamental Rating
B (+32 von 100)
Altman Z
3.57

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Sales Per Quarter ($M)
2024: Q4 · 43.7 Mio. $ Q4 2025: Q1 · 42.7 Mio. $ Q1 2025: Q2 · 44.0 Mio. $ Q2 2025: Q3 · 45.5 Mio. $ Q3 2025: Q4 · 45.5 Mio. $ Q4 2026: Q1 · 39.1 Mio. $ Q1
Earnings Per Share Per Quarter ($)
2024: Q4 · 0.65 $ Q4 2025: Q1 · 0.63 $ Q1 2025: Q2 · 0.72 $ Q2 2025: Q3 · 0.81 $ Q3 2025: Q4 · 0.91 $ Q4 2026: Q1 · 0.80 $ Q1
Net Margin Per Quarter (%)
2024: Q4 · 16.7 % Q4 2025: Q1 · 16.6 % Q1 2025: Q2 · 18.3 % Q2 2025: Q3 · 20.0 % Q3 2025: Q4 · 22.4 % Q4 2026: Q1 · 23.0 % Q1
Operating Cash Flow Per Quarter ($M)
2024: Q4 · 11.4 Mio. $ Q4 2025: Q1 · 2.2 Mio. $ Q1 2025: Q2 · 7.4 Mio. $ Q2 2025: Q3 · 12.9 Mio. $ Q3 2025: Q4 · 15.4 Mio. $ Q4 2026: Q1 · 22.8 Mio. $ Q1
Free Cash Flow Per Quarter ($M)
2024: Q4 · 10.4 Mio. $ Q4 2025: Q1 · 0.8 Mio. $ Q1 2025: Q2 · 7.2 Mio. $ Q2 2025: Q3 · 12.6 Mio. $ Q3 2025: Q4 · 13.9 Mio. $ Q4 2026: Q1 · 22.2 Mio. $ Q1
Sales Growth vs. Year-Ago Quarter (%)
2024: Q4 · 12.2 % Q4 2025: Q1 · 9.9 % Q1 2025: Q2 · 8.0 % Q2 2025: Q3 · 7.2 % Q3 2025: Q4 · 4.1 % Q4 2026: Q1 · -8.4 % Q1
EPS Growth vs. Year-Ago Quarter (%)
2024: Q4 · 8.3 % Q4 2025: Q1 · 16.9 % Q1 2025: Q2 · 29.9 % Q2 2025: Q3 · 19.1 % Q3 2025: Q4 · 39.6 % Q4 2026: Q1 · 26.4 % Q1
Price Change in Quarter (%)
2024: Q4 · 5.4 % Q4 2025: Q1 · -8.4 % Q1 2025: Q2 · 4.3 % Q2 2025: Q3 · 4.8 % Q3 2025: Q4 · 2.1 % Q4 2026: Q1 · 7.5 % Q1

Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 0.65 8.30 44 12.20 16.70 11 10
2025: Q1 0.63 16.90 43 9.90 16.60 2 1
2025: Q2 0.72 29.90 44 8.00 18.30 7 7
2025: Q3 0.81 19.10 46 7.20 20.00 13 13
2025: Q4 0.91 39.60 46 4.10 22.40 15 14
2026: Q1 0.80 26.40 39 -8.40 23.00 23 22
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

The First Bancorp, Inc. ist die Bankholding der First National Bank, die Privat- und Firmenkunden eine Reihe von Bankprodukten und -dienstleistungen anbietet.

Employees278
HeadquartersDamariscotta, ME
Websitethefirst.com
IPO Date15. Jul 1999
Next Earnings22. Jul 2026

Management

Management
Name Title Birth Year
Tony C. McKim President, CEO & Director 1967
Richard M. Elder Executive VP, CFO & Treasurer 1965
Brad A. Martin Executive VP & Chief Information Officer 1984
Christopher J. Austin Chief Legal Counsel & Executive VP 1974

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Chart

Interactive price chart (TradingView).

Data as of: July 20, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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