FNLC logo

FIRST BANCORP INC/ME

FNLCNASDAQ
πŸ† #3099 by market capEarnings Oct 21US Equity
$33.34β–Ό $0.42 (βˆ’1.27%)
πŸŒ… Pre-market$32.80β–Ό 1.63%Regular close Β· extended-hours price shown
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24hβ–Ό 1.3%
7dβ–Ό 1.8%
14dβ–Ό 5.1%
30dβ–Ό 3.8%
ytdβ–² 26.6%
1yβ–² 27.7%
🏦Market Cap
$376M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+7.4%
Slowing
πŸ“ŠGross Margin
54.4%
Healthy
πŸ’΅FCF Margin
20.5%
Strong
βš–οΈP/S Ratio
2.2x
Cheap
Otter Score
60
Fair

Trading Snapshot

Day Range
$32.94 – $33.59
52-Week Range
$24.08 – $36.30
Volume
$1.59B
Avg Volume
$2.03B
Shares Outstanding
11.3M
Next Earnings
Dec 18, 2026

Fundamentals Snapshot

Annual Revenue
$178M
Last Q Revenue
$45M
P/E Ratio
9.8
P/S Ratio
2.2x
EPS (TTM)
$3.41
Dividend Yield
4.47%
Dilution (1yr)
+0.1%

Why Investors Own FNLC

  • βœ“High-growth profile β€” revenue up -6.5% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 78% gross margin and 17% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

FNLC logo

FIRST BANCORP INC/ME

FNLC
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$178Mβ–² +7.4% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
52.3%β–² +8.5% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$42Mβ–² +28.7% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$35Mβ–² +40.8% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
11.2Mβ–² +0.1% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$156Mβ–Ό βˆ’$59M YoY
StockOtter Β· stockotter.space

About FIRST BANCORP INC/ME

The First Bancorp, Inc. functions as the holding company for First National Bank, providing a comprehensive suite of banking products and financial services to both individual customers and commercial enterprises. Its deposit offerings encompass various account types, such as demand, NOW, savings, money market, and certificates of deposit. The institution also plays a key role in commercial real estate financing, issuing mortgage loans for investments in diverse property types including multi-family dwellings, retail outlets, offices, industrial sites, hotels, and educational facilities. It also funds commercial construction projects, whether for owner-occupied properties or other ventures. Additionally, it extends other commercial credit solutions like revolving lines and term loans, designed to assist businesses and corporations with their working capital needs or capital investments. Furthermore, First Bancorp furnishes loans to municipalities for capital expenditures, construction initiatives, or as tax-anticipation notes. Its residential lending portfolio includes amortizing home mortgages and construction loans for owner-occupied homes, along with home equity loans and lines of credit. For individuals, it provides consumer loans, which are typically amortizing and secured by assets such as automobiles, pleasure crafts, and recreational vehicles, or available as unsecured short-term notes. Beyond traditional banking, the company delivers specialized services including private banking, financial planning, investment management, and trust administration, catering to individuals, businesses, non-profit organizations, and municipalities. Payment processing solutions are also part of its service array. The company operates through 18 full-service banking branches strategically situated across Maine's Mid-Coast, Eastern, and Down East regions, specifically within Lincoln, Knox, Waldo, Penobscot, Hancock, and Washington counties. Established in 1864, the organization was originally known as First National Lincoln Corporation, adopting its current name, The First Bancorp, Inc., in April 2008. Its corporate headquarters are located in Damariscotta, Maine.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
60/100

Analyst Price Target

β“˜
Average Target
$38.77
β–² +16.3% Upside
High Target$45.53
Low Target$34.57
Based on 32 analysts

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