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The First Bancorp, Inc. (FNLC)

Profile

Full Name

The First Bancorp, Inc.

Ticker Symbol

NASDAQ: FNLC

Exchange

NASDAQ

Sector

Financial Services

Industry

Banks - Regional

Country

United States

IPO

July 14, 1999

Indexes

Not included

Website

http://www.thefirst.com

Employees

284

Key Details

Price

$27.04(+2.42%)

Market cap

$302.91M(Small cap)

Last Dividend

$0.36

TTM Dividend yield

5.33%

Annual revenue

$80.50M(-0.18% YoY)

Annual EPS

$2.43(-8.65% YoY)

PE ratio

10.77

Next earnings date

Jul 24, 2025

Next ex-dividend date

Jul 8, 2025

Next split date

N/A

Quick Search

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    Analyst ratings

    Price

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    Current Price

    $27.04
    FNLC price is $27.04

    30-Day Relative Volume

    1.44
    FNLC 30-day relative volume is 1.44

    Price Performance

    Price Most recent change

    +2.42%
    FNLC price was up +2.42% on Jul 3, 2025

    Price YTD change

    -1.13%
    FNLC price is down -1.13% since January 1st

    Price 1-year change

    +11.6%
    FNLC price is up +11.6% year-on-year

    Price 3-year change

    -10.79%
    FNLC price is down -10.79% over the past 3 years

    Price Range

    Price All-time high

    $36.80
    FNLC price is currently -26.52% below its historical high of $36.80

    Price 3-year low

    $21.77
    FNLC price is currently +24.21% above its 3-year low

    Capitalization

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    Market cap

    Market cap

    $302.91M
    FNLC market capitalization is $302.91 million

    Market cap 3-year change

    -9.4%
    FNLC market capitalization is down -9.4% over the past 3 years

    Market cap All-time high

    $372.31M
    FNLC market capitalization is currently -18.64% below its historical high of $372.31 million

    Market cap sector rank

    37.55%
    FNLC market capitalization is higher than 37.55% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    +0.52%
    FNLC shares outstanding is up +0.52% year-on-year

    Shares Outstanding 3-Year Change

    +1.56%
    FNLC shares outstanding is up +1.56% over the past 3 years

    Technical Indicators

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    Beta

    0.62
    FNLC beta is 0.62

    200-day SMA

    $25.85
    FNLC price is currently +4.62% above its 200-day simple moving average

    50-day SMA

    $24.56
    FNLC price is currently +10.09% above its 50-day simple moving average

    RSI

    75.27
    FNLC 14-day relative strength index is 75.27

    Volume

    1.44
    FNLC 30-day relative volume is 1.44

    ATR

    $0.61
    FNLC average true range is $0.61

    10-day Historical Volatility

    16.05%
    FNLC 10-day historical volatility is 16.05%

    Dividend

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    Events

    Last Paid Dividend

    $0.36
    FNLC last dividend was $0.36 per share, with an ex-dividend date of April 8, 2025

    Next Dividend

    $0.37
    FNLC has announced a dividend of $0.37 per share, with an ex-dividend date set for July 8, 2025

    Dividend per share

    Dividend per share

    $1.42
    FNLC annual dividend per share is $1.42

    Dividend per share Sector Rank

    70.84%
    FNLC annual dividend per share is higher than 70.84% of companies in Financial Services sector

    Dividend per share 1-Year Change

    +2.9%
    FNLC annual dividend per share is up +2.9% year-on-year

    Dividend per share 3-Year Change

    +12.7%
    FNLC annual dividend per share is up +12.7% over the past 3 years

    Dividend yield

    Dividend yield

    5.25%
    FNLC annual dividend yield is 5.25%

    Dividend yield Sector Rank

    58.7%
    FNLC annual dividend yield is higher than 58.7% of companies in Financial Services sector

    Other

    Payout ratio

    58.43%
    FNLC annual payout ratio is 58.43%

    Dividends paid

    $15.80M
    FNLC annual dividends paid is $15.80 million

    Free cash flow

    $24.57M
    FNLC annual free cash flow is $24.57 million

    Income Statement

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    Revenue

    Revenue

    $80.50M
    FNLC annual revenue is $80.50 million

    Revenue Analysts estimate

    -
    FNLC annual revenue consensus analysts' forecast is unknown

    Revenue 1-year change

    -0.18%
    FNLC annual revenue is down -0.18% year-on-year

    Revenue Sector rank

    42.77%
    FNLC annual revenue is higher than 42.77% of companies in Financial Services sector

    EPS

    EPS

    $2.43
    FNLC annual earnings per share is $2.43

    EPS Analysts estimate

    -
    FNLC annual earnings per share consensus analysts' forecast is unknown

    EPS 1-year change

    -8.65%
    FNLC annual earnings per share is down -8.65% year-on-year

    EPS Sector rank

    65.52%
    FNLC annual earnings per share is higher than 65.52% of companies in Financial Services sector

    Profit

    Gross profit

    -
    FNLC annual gross profit value is unknown

    Gross margin

    -
    FNLC annual gross profit margin value is unknown

    Operating profit

    -
    FNLC annual operating income value is unknown

    Operating margin

    -
    FNLC annual operating profit margin value is unknown

    Net income

    $27.05M
    FNLC annual net profit is $27.05 million

    Net margin

    33.60%
    FNLC annual net profit margin is 33.60%

    Expenses

    Total expenses

    -
    FNLC annual total expenses value is unknown

    Operating expenses

    $26.65M
    FNLC annual total operating expenses is $26.65 million

    Cost of goods sold

    -
    FNLC annual cost of goods sold value is unknown

    Selling, general & administrative expenses

    $26.62M
    FNLC annual SGA is $26.62 million

    Depreciation and amortization

    $2.21M
    FNLC annual depreciation & amortization is $2.21 million

    Interest expense

    -
    FNLC annual interest expense value is unknown

    Income tax

    $5.54M
    FNLC annual income tax is $5.54 million

    EBIT & EBITDA

    EBIT

    $117.51M
    FNLC annual earnings before interest & taxes is $117.51 million

    EBITDA

    $119.72M
    FNLC annual EBITDA is $119.72 million

    Balance Sheet

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    Assets

    Total assets

    $3.16B
    FNLC annual total assets is $3.16 billion

    Non current assets

    $3.08B
    FNLC annual long term assets is $3.08 billion

    Current assets

    $338.39M
    FNLC annual total current assets is $338.39 million

    Cash and cash equivalents

    $49.74M
    FNLC annual cash & cash equivalents is $49.74 million

    Accounts receivable

    $13.98M
    FNLC annual accounts receivable is $13.98 million

    Inventory

    -
    FNLC annual inventory value is unknown

    Liabilities

    Total liabilities

    $2.90B
    FNLC annual total liabilities is $2.90 billion

    Long term liabilities

    $2.87B
    FNLC annual total long term liabilities is $2.87 billion

    Current liabilities

    $51.28M
    FNLC annual total current liabilities is $51.28 million

    Accounts payable

    -
    FNLC annual accounts payable value is unknown

    Debt

    Total debt

    $95.00M
    FNLC annual total debt is $95.00 million

    Total debt 1-year change

    +373.2%
    FNLC annual total debt is up +373.2% year-on-year

    Long term debt

    $95.00M
    FNLC annual long term debt is $95.00 million

    Short term debt

    -
    FNLC annual short term debt value is unknown

    Equity & Capital

    Shareholders equity

    $252.49M
    FNLC annual stockholders equity is $252.49 million

    Book value

    $252.49M
    FNLC annual book value is $252.49 million

    Retained earnings

    $222.82M
    FNLC annual retained earnings is $222.82 million

    Working capital

    $287.11M
    FNLC annual working capital is $287.11 million

    Cash Flow Statement

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    Cashflow Activities

    Cash from operations

    $26.05M
    FNLC annual cash flow from operations is $26.05 million

    Cash from operations 1-year change

    -29.45%
    FNLC annual cash flow from operations is down -29.45% year-on-year

    Cash from investing

    -$217.42M
    FNLC annual cash flow from investing activities is -$217.42 million

    Cash from investing 1-year change

    -8.81%
    FNLC annual cash flow from investing activities is down -8.81% year-on-year

    Cash from financing

    $187.07M
    FNLC annual cash flow from financing activities is $187.07 million

    Cash from financing 1-year change

    +8.69%
    FNLC annual cash flow from financing activities is up +8.69% year-on-year

    CAPEX

    CAPEX

    $1.48M
    FNLC annual capital expenditures is $1.48 million

    CAPEX 1-year change

    -44.02%
    FNLC annual capital expenditures is down -44.02% year-on-year

    Free Cash Flow

    Free cash flow

    $24.57M
    FNLC annual free cash flow is $24.57 million

    Free cash flow 1-year change

    -28.33%
    FNLC annual free cash flow is down -28.33% year-on-year

    Profitability Ratios

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    Margins

    Gross margin

    -
    FNLC annual gross profit margin value is unknown

    Operating margin

    -
    FNLC annual operating profit margin value is unknown

    Net margin

    33.60%
    FNLC annual net profit margin is 33.60%

    ROA & ROE

    ROA

    0.89%
    FNLC annual return on assets is 0.89%

    ROE

    10.91%
    FNLC annual return on equity is 10.91%

    Valuation

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    PE Ratio

    PE ratio

    10.77
    FNLC price to earnings ratio is 10.77

    PE ratio Sector rank

    18.98%
    FNLC price to earnings ratio is higher than 18.98% of companies in Financial Services sector

    PB Ratio

    PB ratio

    1.17
    FNLC price to book ratio is 1.17

    PB ratio Sector rank

    45.51%
    FNLC price to book ratio is higher than 45.51% of companies in Financial Services sector

    PS Ratio

    PS ratio

    3.62
    FNLC price to sales ratio is 3.62

    PS ratio Sector rank

    60.14%
    FNLC price to sales ratio is higher than 60.14% of companies in Financial Services sector

    Enterprise value

    Enterprise value

    $458.98M
    FNLC enterprise value is $458.98 million

    Enterprise value Sector rank

    44.64%
    FNLC enterprise value is higher than 44.64% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    3.77
    FNLC EV/EBITDA is 3.77

    EV/EBITDA Sector rank

    47.87%
    FNLC EV/EBITDA is higher than 47.87% of companies in Financial Services sector

    Financial Health

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    Liquidity

    Current ratio

    6.60
    FNLC annual current ratio is 6.60

    Quick ratio

    -
    FNLC annual quick ratio value is unknown

    Leverage

    Debt to equity

    0.58
    FNLC annual debt to equity ratio is 0.58

    Interest coverage ratio

    -
    FNLC annual interest coverage ratio value is unknown

    Risk & Stability

    Piotroski F-Score

    -
    FNLC piotroski f-score value is unknown

    Altman Z-Score

    0.42
    FNLC altman z-score is 0.42

    Analyst ratings

    Recent major analysts updates

    No data about analysts updates

    Institutional Ownership

    Screeners with FNLC included

    Growing Shares Outstanding
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    • What is the ticker symbol for The First Bancorp, Inc.?
    • Does The First Bancorp, Inc. pay dividends?
    • What sector is The First Bancorp, Inc. in?
    • What industry is The First Bancorp, Inc. in?
    • What country is The First Bancorp, Inc. based in?
    • When did The First Bancorp, Inc. go public?
    • Is The First Bancorp, Inc. in the S&P 500?
    • Is The First Bancorp, Inc. in the NASDAQ 100?
    • Is The First Bancorp, Inc. in the Dow Jones?
    • When was The First Bancorp, Inc.'s last earnings report?
    • When does The First Bancorp, Inc. report earnings?

    What is the ticker symbol for The First Bancorp, Inc.?

    The ticker symbol for The First Bancorp, Inc. is NASDAQ:FNLC

    Does The First Bancorp, Inc. pay dividends?

    Yes, The First Bancorp, Inc. pays dividends. The last payment was $0.36, with an ex-dividend date on April 8, 2025

    What sector is The First Bancorp, Inc. in?

    The First Bancorp, Inc. is in the Financial Services sector

    What industry is The First Bancorp, Inc. in?

    The First Bancorp, Inc. is in the Banks - Regional industry

    What country is The First Bancorp, Inc. based in?

    The First Bancorp, Inc. is headquartered in United States

    When did The First Bancorp, Inc. go public?

    The First Bancorp, Inc.'s initial public offering (IPO) was on July 14, 1999

    Is The First Bancorp, Inc. in the S&P 500?

    No, The First Bancorp, Inc. is not included in the S&P 500 index

    Is The First Bancorp, Inc. in the NASDAQ 100?

    No, The First Bancorp, Inc. is not included in the NASDAQ 100 index

    Is The First Bancorp, Inc. in the Dow Jones?

    No, The First Bancorp, Inc. is not included in the Dow Jones index

    When was The First Bancorp, Inc.'s last earnings report?

    The First Bancorp, Inc.'s most recent earnings report was on April 23, 2025

    When does The First Bancorp, Inc. report earnings?

    The next expected earnings date for The First Bancorp, Inc. is July 24, 2025
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