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Company Analysis

First Bancorp, Inc (ME) FNLC

A comprehensive view of key metrics, scores, and financial health for First Bancorp, Inc (ME)

Overview of The First Bancorp, Inc.

FNLC NMS
Financial Services Banks - Regional Small Cap
The First Bancorp, Inc. (FNLC), is a Small Cap company, in the Banks - Regional industry, last closed at $27.36, about 7.1% overvalued vs fair value, +10.3% 1Y return, placing in the top 25% of its sector.
$27.36
-0.51%
As of March 13, 2026
Previous close • Vol 90d: 26.2%
52-Week Range
Market Cap
$307.04M
Enterprise Value
$467.09M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.thefirst.com
HQ Damariscotta, ME
Fiscal year Dec 31

Next Events

Earnings Apr 22 Estimated

Fair Value Snapshot

Bear Base Bull
$14
$25
$48
Current: $27.36 -7% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$148.8M
16.1%%
Interest Expense
$82.9M
Net Interest Income
$63.9M
-2%%
Total Revenue
$177.6M
120.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
10.7%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$16.0M
59.2% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating First Bancorp, Inc (ME)'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
48
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
56
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing FNLC's balance between Growth (35.3%), Profitability (31.9%), and Safety (32.8%). Growth 35% Safety 33% Profitability 32%

Click axes to expand details. Marker shows current allocation.

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Growth

63th percentile vs peers
63
Key Signals
Rev Growth YoY 1.21 88p Revenue CAGR 3Y 24.1% 71p Asset Growth YoY 0.3% 21p
Strengths
  • Rev Growth Yoy in top 20% of peers (1.21, 88th percentile)
  • Superior capital returns - 2 return metrics above peer median
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

56th percentile vs peers
57
Key Signals
Strengths
Risks
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Safety

58th percentile vs peers
58
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for First Bancorp, Inc (ME).

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$25.43
- - -
-7.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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