The First Bancorp, Inc. (FNLC)

Total Valuation

FNLC has a market cap or net worth of $283.42 million. The enterprise value is $441.70 million.

Market Cap	283.42M
Enterprise Value	441.70M

Important Dates

The next estimated earnings date is Wednesday, July 23, 2025, after market close.

Earnings Date	Jul 23, 2025
Ex-Dividend Date	Apr 8, 2025

Share Statistics

FNLC has 11.20 million shares outstanding. The number of shares has increased by 0.54% in one year.

Current Share Class	11.20M
Shares Outstanding	11.20M
Shares Change (YoY)	+0.54%
Shares Change (QoQ)	-0.18%
Owned by Insiders (%)	5.07%
Owned by Institutions (%)	41.96%
Float	9.77M

Valuation Ratios

The trailing PE ratio is 10.06.

PE Ratio	10.06
Forward PE	n/a
PS Ratio	3.41
Forward PS	n/a
PB Ratio	1.09
P/TBV Ratio	1.24
P/FCF Ratio	10.43
P/OCF Ratio	9.55
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	15.72
EV / Sales	5.38
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	16.23

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	7.04
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 11.19%.

Return on Equity (ROE)	11.19%
Return on Assets (ROA)	0.91%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$289,141
Profits Per Employee	$98,947
Employee Count	284
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, FNLC has paid $5.78 million in taxes.

Income Tax	5.78M
Effective Tax Rate	17.05%

Stock Price Statistics

The stock price has increased by +7.52% in the last 52 weeks. The beta is 0.53, so FNLC's price volatility has been lower than the market average.

Beta (5Y)	0.53
52-Week Price Change	+7.52%
50-Day Moving Average	24.35
200-Day Moving Average	25.85
Relative Strength Index (RSI)	62.66
Average Volume (20 Days)	17,441

Short Selling Information

The latest short interest is 50,825, so 0.45% of the outstanding shares have been sold short.

Short Interest	50,825
Short Previous Month	45,504
Short % of Shares Out	0.45%
Short % of Float	0.52%
Short Ratio (days to cover)	3.76

Income Statement

In the last 12 months, FNLC had revenue of $82.12 million and earned $28.10 million in profits. Earnings per share was $2.52.

Revenue	82.12M
Gross Profit	82.12M
Operating Income	36.42M
Pretax Income	31.87M
Net Income	28.10M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.52

Balance Sheet

The company has $33.98 million in cash and $191.70 million in debt, giving a net cash position of -$157.73 million or -$14.08 per share.

Cash & Cash Equivalents	33.98M
Total Debt	191.70M
Net Cash	-157.73M
Net Cash Per Share	-$14.08
Equity (Book Value)	259.68M
Book Value Per Share	23.19
Working Capital	-2.78B

Cash Flow

In the last 12 months, operating cash flow was $29.72 million and capital expenditures -$2.50 million, giving a free cash flow of $27.22 million.

Operating Cash Flow	29.72M
Capital Expenditures	-2.50M
Free Cash Flow	27.22M
FCF Per Share	$2.43

Margins

Gross Margin	n/a
Operating Margin	44.36%
Pretax Margin	41.26%
Profit Margin	34.22%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	33.15%

Dividends & Yields

This stock pays an annual dividend of $1.44, which amounts to a dividend yield of 5.69%.

Dividend Per Share	$1.44
Dividend Yield	5.69%
Dividend Growth (YoY)	2.86%
Years of Dividend Growth	6
Payout Ratio	57.15%
Buyback Yield	-0.53%
Shareholder Yield	5.24%
Earnings Yield	9.90%
FCF Yield	9.59%

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on June 2, 2004. It was a forward split with a ratio of 3:1.

Last Split Date	Jun 2, 2004
Split Type	Forward
Split Ratio	3:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4