NVDA+0.84%AAPL−2.51%GOOGL−1.17%MSFT−2.04%AMZN−0.15%TSM+2.85%SPCX−1.20%AVGO+0.21%
StockVS

NASDAQ · Banks - Regional · USD

The First Bancorp, Inc. (FNLC) Stock Analysis

The First Bancorp, Inc. (FNLC) is a Banks - Regional stock listed on NASDAQ and quoted in US Dollar.

FNLC

$35.14

+$0.11 (+0.31%)

Sep 4, 2026 · Market close

Compare

Price History

Hover for the daily close. The dotted line marks the period open.

Compare FNLC with… →

FNLC Key Statistics

As of Sep 4, 2026
Trading
Open
$34.79
Previous Close
$35.03
Day's Range
34.07–35.44
52-Week Range
24.08–36.30
Volume
14.70K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
0.47
Valuation
Market Cap
$396.46M
P/E Ratio
10.43
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
4.01
EPS (ttm)Profit attributable to each share over the last twelve months.
3.37
Financials (FY)
Revenue (FY)
$94.77M+17.72%
Net Income (FY)
$34.39M+27.17%
Profit marginThe share of revenue left as profit after all costs and taxes.
38.26%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
11.28M
1-Year Return
+34.37%
Dividend and dates
Dividend
$1.52+4.34%
Ex-Dividend Date
July 7, 2026
Earnings Date
October 21, 2026estimated
Avg Volume
35.92K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

FNLC Stock Return by Calendar Year

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)+37.96%
2025+2.28%
2024+2.49%
2023−0.50%
2022−0.40%
2021+29.22%
2020−11.50%
2019+20.16%
2018+0.24%
2017−14.72%
2016 (partial year)+56.02%

As of September 4, 2026.

FNLC Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$94.77M$34.39M36.3%
2024$80.50M$27.05M33.6%
2023$80.65M$29.52M36.6%
2022$93.04M$38.99M41.9%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$94.77M——$34.39M36.3%
2024$80.50M——$27.05M33.6%
2023$80.65M——$29.52M36.6%
2022$93.04M——$38.99M41.9%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

FNLC Dividend History

$1.46+2.8% vs 2024

Dividends per share, 2025 · 4 payments

YearDividends per sharePaymentsChange
2026*$1.123—
2025$1.464+2.8%
2024$1.424+2.9%
2023$1.384+4.5%
YearDividends per sharePaymentsChange
2026 (partial year)$1.123—
2025$1.464+2.8%
2024$1.424+2.9%
2023$1.384+4.5%
2022$1.324+4.8%
2021$1.264+3.3%
2020$1.224+3.4%
2019$1.184+11.3%
2018$1.064+0.0%
2017$1.064+360.9%
2016$0.231—

Most recent payment: $0.37 per share, ex-dividend July 7, 2026. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

FNLC Valuation vs Banks - Regional Median

Median of 380 stocks
MetricFNLCBanks - Regional medianvs median
P/E10.4312.6217% below
P/S ratio4.013.776% above
Profit margin38.26%29.15%9.1 pts above

Medians across 380 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of September 4, 2026.

Recent News

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

The First Bancorp, Inc. (FNLC) is capitalised at $396.46M on the latest close. The company sits in the Financial Services sector, in the Banks - Regional industry. Headcount on file is 278.

Over the past 52 weeks the price has ranged from $24.08 to $36.30. The most recent close on file for FNLC is $35.14, dated September 4, 2026. That is +$0.11 (+0.31%) against the previous close. The latest close sits 45.93% above that 52-week low.

Financial Health

In fiscal 2025, The First Bancorp, Inc. reported revenue of $94.77M. Against the prior fiscal year total of $80.50M, that is a change of +17.72%. Net income for the same year was $34.39M. That is +27.17% against the prior fiscal year. The reported profit margin is 38.26%. That is 9.1 percentage points above the Banks - Regional median of 29.15%. Earnings per share on a trailing basis come to 3.37.

Across the 4 fiscal years on file, revenue moves from $93.04M in 2022 to $94.77M in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

On trailing earnings, the shares are priced at 10.43 times earnings. That is 17.35% below the Banks - Regional median of 12.62. The price-to-sales ratio is 4.01. On price-to-sales that is 6.39% above the Banks - Regional median of 3.77. 380 Banks - Regional companies report these metrics, and the medians quoted come from that group.

Over the trailing twelve months the price has returned +34.37%. Across 10 years the annualized return works out at +9.43%. The reported beta is 0.48. Annualized volatility over the trailing 10 years is 34.44%.

Growth & Income

Shareholders receive a dividend, yielding 4.34% on the latest price. That is 1.6 percentage points above the Banks - Regional median yield of 2.7%. At the indicated rate that is $1.52 a share a year. The ex-dividend date on file is July 7, 2026. Dividends are recorded for 11 calendar years; 2026 shows 3 payments totalling $1.12 a share. The year before, 2025, totalled $1.46 a share.

2026 is still running; the price is +37.96% year to date. The strongest complete calendar year on file is 2021 at +29.22%; the weakest is 2017 at −14.72%. Of the 9 complete calendar years on file, 5 finished higher.

Peer Comparison

The First Bancorp, Inc. (FNLC) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
The First Bancorp, Inc. FNLC $396.46M 10.4
Mizuho Financial Group, Inc. MFG $135.92B 16.0
HDFC Bank Limited HDB $119.10B 16.0
ICICI Bank Limited IBN $108.74B 18.7

The Banks - Regional industry average P/E ratio is 12.6x. The First Bancorp, Inc. trades at a P/E of 10.4.

Every figure above is read from this page's own data on each nightly rebuild. Informational only, not financial advice. As of September 4, 2026.

Related Banks - Regional Stocks

MFG

Mizuho Financial Group, Inc.

$135.92B

 HDB

HDFC Bank Limited

$119.10B

 IBN

ICICI Bank Limited

$108.74B

 USB

U.S. Bancorp

$98.73B

 PNC

The PNC Financial Services Group, Inc.

$97.98B

 ITUB

Itaú Unibanco Holding S.A.

$89.83B
View all Banks - Regional stocks →

Popular Financial Services Stocks

BRK-B

Berkshire Hathaway Inc.

$1.08T

 JPM

JPMorgan Chase & Co.

$953.33B

 V

Visa Inc.

$700.27B

 MA

Mastercard Incorporated

$507.39B

 BAC

Bank of America Corporation

$438.31B
View all Financial Services stocks →

About The First Bancorp, Inc.

The First Bancorp, Inc. operates as the bank holding company for First National Bank that provides a range of banking products and services to individual and corporate customers. It accepts various deposit products, including demand, NOW, time, savings, money market, and certificates of deposit accounts. The company also provides commercial loans, such as mortgage loans to finance investments in real property, which includes retail spaces, offices, industrial buildings, hotels, educational facilities, and other specific or mixed use properties; commercial real estate non-owner occupied loans; commercial construction to finance construction in a mix of owner- and nonowner occupied commercial real estate properties; and commercial and industrial loans, including revolving and term loans for financing working capital and/or capital investment. In addition, it offers commercial multifamily loans; residential real estate term and construction loans; loans to municipalities in Maine for capitalized expenditures, construction projects, or tax anticipation notes; home equity revolving and term loans; and personal lines of credit and amortizing loans for various purposes, such as autos, recreational vehicles, debt consolidation, personal expenses, or overdraft protection. Further, the company offers private banking, financial planning, investment management, and trust services to individuals, businesses, non-profit organizations, and municipalities, as well as brokerage, annuity, and various insurance products. It operates through full-service banking offices in Lincoln, Knox, Waldo, Penobscot, Hancock, and Washington counties in the Mid-Coast, Eastern, and Down East regions of Maine. The company was formerly known as First National Lincoln Corporation and changed its name to The First Bancorp, Inc. in April 2008. The First Bancorp, Inc. was founded in 1864 and is based in Damariscotta, Maine.

Visit website →