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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 $29.38, about 13.4% overvalued vs fair value, +20.3% 1Y return, placing in the top 25% of its sector.
Metrics Rev Growth 120.6% ROE 12.8% Gross Margin 52.3%
$29.38
1.31%
As of April 28, 2026
Previous close • Vol 90d: 26.3%
52-Week Range
Market Cap
$331.10M
Enterprise Value
$491.14M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 90%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Dividend Apr 7
Earnings Apr 22

Fair Value Snapshot

Bear Base Bull
$14
$25
$48
Current: $29.38 -13% 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

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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
50
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
62
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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 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing FNLC's balance between Growth (24.3%), Profitability (30.1%), and Safety (45.6%). Growth 24% Safety 46% Profitability 30%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

29th percentile vs peers
30
Key Signals
NII Growth YoY -2.0% 33p EPS Growth YoY -8.6% 36p Asset Growth YoY 0.3% 21p Equity Growth YoY 3.9% 28p
Strengths
  • ROE in top 20% of peers (12.8%, 80th percentile)
  • Dividends/Tangible Equity in top 20% of peers (7.3%, 88th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Growth below peer median (percentile: 29)

Profitability

36th percentile vs peers
37
Key Signals
Strengths
Risks
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Safety

55th percentile vs peers
55
Key Signals
Strengths
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Two Futures

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

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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:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$25.43
- - -
-13.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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