The First Bancorp, Inc.

The First Bancorp, Inc.

FNLC
The First Bancorp, Inc.US flagNASDAQ Global Select
33.80
USD
-0.56
- -
381.06MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
4.58
4.75
4.99
5.17
5.56
5.82
6.17
7.18
7.87
8.5
7.32
7.29
8.54
8.86
Basic EPS, GAAP
1.2
1.38
1.52
1.68
1.82
2.18
2.36
2.5
3.33
3.56
2.68
2.45
3.1
3.28
Free Cash Flow per Basic Share
2.31
1.92
1.95
1.98
2.07
3.13
2.41
2.09
5.21
3.76
3.35
2.36
3.41
5.28
Dividend per Share
0.8
0.83
0.88
0.92
1.06
1.12
1.2
1.23
1.28
1.35
1.4
1.43
1.47
1.49
Book Value per Share
8.71
9.37
10.02
10.43
11.27
12.28
13.4
14.6
16.57
18.67
19.25
20.2
21.68
22.14
Tangible Book Value per Share
10.76
12.36
12.91
13.31
14.08
14.98
16.89
17.79
19.74
18.1
19.29
20.1
22.76
23.14
Basic Weighted Avg Shares
11
11
11
11
11
11
11
11
11
11
11
11
11
11
Sales/Revenue/Turnover
50
51
53
55
60
63
67
78
86
93
81
81
95
98
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
2
2
2
2
2
2
2
2
2
2
2
2
2
2
Net Income, GAAP
13
15
16
18
20
24
26
27
36
39
30
27
34
36
Effective Tax Rate (%)
20.9
23.69
25.39
26.38
25.24
15.47
15.65
15.88
17.41
17.72
17.32
17
17.99
18
Profit Margin (%)
26.18
29.04
30.48
32.48
32.73
37.47
38.28
34.8
42.33
41.91
36.6
33.6
36.29
37.01
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
130
90
115
120
115
65
10
55
55
- -
- -
95
96
96
Total Equity
146
162
167
173
181
192
213
224
246
229
243
252
283
287
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
14.1
15.16
15.68
16.48
16.81
18.55
18.4
17.88
21.4
20.26
14.17
12.44
14.84
15.42

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
42
100
LT Borrowings
96
96
96
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
11
11
11
Market Capitalization
290
292
310

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
39
296
54
Accounts Receivable, Net
16
14
19
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
42
100
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.51%
5.04%
12.14%
Free Cash Flow
15.11%
25.56%
45.18%
Net Income, GAAP
9.05%
7.14%
27.17%
Sales/Revenue/Turnover
6.3%
4.54%
17.72%
Total Cash Common Dividend
5.82%
4.17%
3.44%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
19
19
21
22
81
2025
22
23
25
26
95
2026
25
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.55
0.56
0.69
0.66
2.45
2025
0.64
0.73
0.82
0.92
3.1
2026
0.81
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.36
0.36
0.37
0.35
1.43
2025
0.35
0.38
0.37
0.38
1.47
2026
0.36
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Tony C. McKim
Full Time Employees
278
Sector
Financial Services
Industry
Banks - Regional
Address
223 Main Street Damariscotta ME United States of America 04543
IPO Date
Jul 14, 1999
Business
The First Bancorp, Inc. (FNLC) is a bank holding company for First National Bank, a community-focused institution that provides banking, lending, wealth management, and related financial services to retail, commercial, municipal, and nonprofit customers primarily in Maine. First National Bank offers deposit products including checking, NOW, savings, money market, time deposit, and certificate of deposit accounts; commercial loans such as mortgage loans for real property investments in retail, office, industrial, hotel, educational, and mixed-use properties, non-owner occupied commercial real estate loans, commercial construction loans, and commercial and industrial loans for working capital and capital investments; multifamily commercial loans; residential real estate term and construction loans; municipal loans for capital expenditures, construction, and tax anticipation notes; consumer loans including home equity lines and term loans, personal lines of credit, and amortizing loans for autos, recreational vehicles, debt consolidation, and other purposes; and wealth management services encompassing private banking, financial planning, investment management, trust services, brokerage, annuities, and insurance products, delivered through a full suite of digital banking platforms and 18 full-service branches in Lincoln, Knox, Waldo, Penobscot, Hancock, and Washington counties along Maine's Mid-Coast, Eastern, and Down East regions. Founded in 1864 and headquartered in Damariscotta, Maine, the company, with approximately $3.2 billion in assets, emphasizes local decision-making, community involvement, and relationship-based banking supported by strong deposit growth and diversified loan portfolios. In 2024, core deposits grew by $81 million driven by money market and NOW accounts, while loans expanded by $211.5 million led by commercial real estate and construction lending; the company also earned recognition as third in the large employer category for Best Places to Work in Maine for 2025, highlighting its employee-focused culture, and continues steady operational profitability amid coastal real estate market strength.

Company News

APIChatGPT
  • Dividend Announcements: June 20-26, 2026

  • The First Bancorp Declares Second Quarter Dividend

  • The First Bancorp Announces First Quarter Results

  • First Bancorp, Inc (ME) (NASDAQ:FNLC) Shares Cross Above Two Hundred Day Moving Average – What’s Next?

  • Short Interest in First Bancorp, Inc (ME) (NASDAQ:FNLC) Grows By 38.8%

  • The First Bancorp Declares First Quarter Dividend

  • First Bancorp, Inc (ME) (NASDAQ:FNLC) and 1st Colonial Bancorp (OTCMKTS:FCOB) Critical Analysis

  • First Bancorp, Inc (ME) (NASDAQ:FNLC) Stock Passes Above 200 Day Moving Average – Here’s Why

  • Reviewing Bank OZK (NASDAQ:OZK) & First Bancorp, Inc (ME) (NASDAQ:FNLC)

  • First Bancorp, Inc (ME) (NASDAQ:FNLC) Share Price Passes Above 200 Day Moving Average – What’s Next?

  • First Bancorp, Inc (ME) (NASDAQ:FNLC) Stock Price Crosses Above 200 Day Moving Average – Should You Sell?

  • The First Bancorp Reports Fourth Quarter and 2025 Annual Results

  • The First Bancorp Declares Fourth Quarter Dividend

  • Reviewing Quaint Oak Bancorp (OTCMKTS:QNTO) and First Bancorp, Inc (ME) (NASDAQ:FNLC)

  • The First Bancorp Announces Third Quarter Results

  • The First Bancorp Declares Third Quarter Dividend

  • The First Bancorp Announces Second Quarter Results

  • 4 Upcoming Dividend Increases

  • The First Bancorp Declares Second Quarter Dividend

  • The First Bancorp Declares First Quarter Dividend