The First Bancorp, Inc. (FNLC)

The First Bancorp Statistics

Total Valuation

FNLC has a market cap or net worth of $304.83 million. The enterprise value is $420.30 million.

Market Cap	304.83M
Enterprise Value	420.30M

Important Dates

The next estimated earnings date is Wednesday, January 21, 2026, after market close.

Earnings Date	Jan 21, 2026
Ex-Dividend Date	Jan 6, 2026

Share Statistics

FNLC has 11.22 million shares outstanding. The number of shares has increased by 0.57% in one year.

Current Share Class	11.22M
Shares Outstanding	11.22M
Shares Change (YoY)	+0.57%
Shares Change (QoQ)	+0.08%
Owned by Insiders (%)	4.99%
Owned by Institutions (%)	51.84%
Float	10.66M

Valuation Ratios

The trailing PE ratio is 9.67.

PE Ratio	9.67
Forward PE	n/a
PS Ratio	3.42
Forward PS	n/a
PB Ratio	1.11
P/TBV Ratio	1.25
P/FCF Ratio	9.80
P/OCF Ratio	9.00
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	13.34
EV / Sales	4.77
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	13.52

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	5.11
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 11.86%.

Return on Equity (ROE)	11.86%
Return on Assets (ROA)	0.99%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$310,278
Profits Per Employee	$110,930
Employee Count	284
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, FNLC has paid $6.67 million in taxes.

Income Tax	6.67M
Effective Tax Rate	17.48%

Stock Price Statistics

The stock price has increased by +3.51% in the last 52 weeks. The beta is 0.59, so FNLC's price volatility has been lower than the market average.

Beta (5Y)	0.59
52-Week Price Change	+3.51%
50-Day Moving Average	26.34
200-Day Moving Average	25.54
Relative Strength Index (RSI)	55.11
Average Volume (20 Days)	21,133

Short Selling Information

The latest short interest is 58,257, so 0.52% of the outstanding shares have been sold short.

Short Interest	58,257
Short Previous Month	69,655
Short % of Shares Out	0.52%
Short % of Float	0.55%
Short Ratio (days to cover)	2.89

Income Statement

In the last 12 months, FNLC had revenue of $88.12 million and earned $31.50 million in profits. Earnings per share was $2.81.

Revenue	88.12M
Gross Profit	88.12M
Operating Income	40.93M
Pretax Income	38.18M
Net Income	31.50M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.81

Balance Sheet

The company has $43.36 million in cash and $158.83 million in debt, with a net cash position of -$115.47 million or -$10.29 per share.

Cash & Cash Equivalents	43.36M
Total Debt	158.83M
Net Cash	-115.47M
Net Cash Per Share	-$10.29
Equity (Book Value)	274.57M
Book Value Per Share	24.48
Working Capital	-2.74B

Cash Flow

In the last 12 months, operating cash flow was $33.86 million and capital expenditures -$2.77 million, giving a free cash flow of $31.09 million.

Operating Cash Flow	33.86M
Capital Expenditures	-2.77M
Free Cash Flow	31.09M
FCF Per Share	$2.77

Margins

Gross Margin	n/a
Operating Margin	46.44%
Pretax Margin	43.32%
Profit Margin	35.75%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	35.28%

Dividends & Yields

This stock pays an annual dividend of $1.48, which amounts to a dividend yield of 5.45%.

Dividend Per Share	$1.48
Dividend Yield	5.45%
Dividend Growth (YoY)	2.80%
Years of Dividend Growth	7
Payout Ratio	52.31%
Buyback Yield	-0.57%
Shareholder Yield	4.87%
Earnings Yield	10.33%
FCF Yield	10.20%

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