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The first bancorp, inc.FNLC.US Overview

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FNLC Recent Performance

-0.51%

The first bancorp, inc.

1.79%

Avg of Sector

-0.31%

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FNLC Key Information

FNLC Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

FNLC Profile

The First Bancorp, Inc. operates as the holding company for First National Bank that provides a range of banking products and services to individuals and businesses. It offers various deposit products, including demand, NOW, savings, money market, and certificates of deposit accounts. The company also provides commercial real estate loan products, such as mortgage loans to finance investments in real property comprising multi-family residential, commercial/retail, office, industrial, hotel, educational, and other specific or mixed use properties; commercial construction loans to finance construction of owner- and non-owner occupied commercial real estate properties; and other commercial loans, which include revolving and term loan obligations to business and corporate enterprises for the purpose of financing working capital or capital investment. In addition, it offers municipal loans for capitalized expenditures, construction projects, or tax-anticipation notes; residential term loans that include amortizing home mortgages and construction loans, which include loans for owner-occupied residential construction; home equity loans and lines of credit; and consumer loans, which are amortizing loans to individuals collateralized by automobiles, pleasure crafts, and recreation vehicles, as well as unsecured short-term time notes. Further, the company provides private banking, financial planning, investment management, and trust services to individuals, businesses, non-profit organizations, and municipalities, as well as payment processing services. It operates through 18 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.

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This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

FNLC Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
3.07
PE Ratio (TTM)
9.01
Forward PE
-
PS Ratio (TTM)
3.34
PB Ratio
1.12
Price-to-FCF
9.52
METRIC
VALUE
vs. INDUSTRY
Gross Margin
82.36%
Net Margin
30.50%
Revenue Growth (YoY)
41.41%
Profit Growth (YoY)
16.46%
3-Year Revenue Growth
25.72%
3-Year Profit Growth
3.78%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
3.07
PE Ratio (TTM)
9.01
Forward PE
-
PS Ratio (TTM)
3.34
PB Ratio
1.12
Price-to-FCF
9.52
Gross Margin
82.36%
Net Margin
30.50%
Revenue Growth (YoY)
41.41%
Profit Growth (YoY)
16.46%
3-Year Revenue Growth
25.72%
3-Year Profit Growth
3.78%

  • When is FNLC's latest earnings report released?

    The most recent financial report for The first bancorp, inc. (FNLC) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating FNLC's short-term business performance and financial health. For the latest updates on FNLC's earnings releases, visit this page regularly.

  • Where does FNLC fall in the P/E River chart?

    According to historical valuation range analysis, The first bancorp, inc. (FNLC)'s current price-to-earnings (P/E) ratio is 7.2, placing it in the Watch zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of FNLC?

    According to the latest financial report, The first bancorp, inc. (FNLC) reported an Operating Profit of 12.44M with an Operating Margin of 27.37% this period, representing a growth of 43.34% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is FNLC's revenue growth?

    In the latest financial report, The first bancorp, inc. (FNLC) announced revenue of 45.47M, with a Year-Over-Year growth rate of 118.32%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much cash does FNLC have?

    At the end of the period, The first bancorp, inc. (FNLC) held Total Cash and Cash Equivalents of 27.78M, accounting for 0.01 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does FNLC go with three margins increasing?

    In the latest report, The first bancorp, inc. (FNLC) achieved the “three margins increasing” benchmark, with a gross margin of 56.25%%, operating margin of 27.37%%, and net margin of 22.37%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess FNLC's profit trajectory and future growth potential.

  • Is FNLC's EPS continuing to grow?

    According to the past four quarterly reports, The first bancorp, inc. (FNLC)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.92. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of FNLC?

    The first bancorp, inc. (FNLC)'s Free Cash Flow (FCF) for the period is 12.58M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 30.43% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of FNLC?

    The latest valuation data shows The first bancorp, inc. (FNLC) has a Price-To-Earnings (PE) ratio of 7.2 and a Price/Earnings-To-Growth (PEG) ratio of 0.59. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.