The First Bancorp, Inc. (FNLC)

The First Bancorp Statistics

Total Valuation

FNLC has a market cap or net worth of $301.56 million. The enterprise value is $468.21 million.

Market Cap	301.56M
Enterprise Value	468.21M

Important Dates

The next estimated earnings date is Wednesday, October 22, 2025, after market close.

Earnings Date	Oct 22, 2025
Ex-Dividend Date	Jul 8, 2025

Share Statistics

FNLC has 11.21 million shares outstanding. The number of shares has increased by 0.58% in one year.

Current Share Class	11.21M
Shares Outstanding	11.21M
Shares Change (YoY)	+0.58%
Shares Change (QoQ)	+0.18%
Owned by Insiders (%)	5.07%
Owned by Institutions (%)	50.68%
Float	10.64M

Valuation Ratios

The trailing PE ratio is 9.86.

PE Ratio	9.86
Forward PE	n/a
PS Ratio	3.42
Forward PS	n/a
PB Ratio	1.11
P/TBV Ratio	1.28
P/FCF Ratio	10.70
P/OCF Ratio	9.80
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	15.61
EV / Sales	5.48
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	16.64

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	7.18
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 11.76%.

Return on Equity (ROE)	11.76%
Return on Assets (ROA)	0.95%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$300,873
Profits Per Employee	$105,609
Employee Count	284
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, FNLC has paid $6.27 million in taxes.

Income Tax	6.27M
Effective Tax Rate	17.28%

Stock Price Statistics

The stock price has decreased by -1.67% in the last 52 weeks. The beta is 0.56, so FNLC's price volatility has been lower than the market average.

Beta (5Y)	0.56
52-Week Price Change	-1.67%
50-Day Moving Average	26.25
200-Day Moving Average	25.63
Relative Strength Index (RSI)	48.57
Average Volume (20 Days)	15,694

Short Selling Information

The latest short interest is 41,656, so 0.37% of the outstanding shares have been sold short.

Short Interest	41,656
Short Previous Month	55,143
Short % of Shares Out	0.37%
Short % of Float	0.39%
Short Ratio (days to cover)	2.56

Income Statement

In the last 12 months, FNLC had revenue of $85.45 million and earned $29.99 million in profits. Earnings per share was $2.68.

Revenue	85.45M
Gross Profit	85.45M
Operating Income	38.95M
Pretax Income	31.87M
Net Income	29.99M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.68

Balance Sheet

The company has $35.04 million in cash and $202.13 million in debt, giving a net cash position of -$167.09 million or -$14.90 per share.

Cash & Cash Equivalents	35.04M
Total Debt	202.13M
Net Cash	-167.09M
Net Cash Per Share	-$14.90
Equity (Book Value)	265.49M
Book Value Per Share	23.69
Working Capital	-2.76B

Cash Flow

In the last 12 months, operating cash flow was $30.71 million and capital expenditures -$2.58 million, giving a free cash flow of $28.14 million.

Operating Cash Flow	30.71M
Capital Expenditures	-2.58M
Free Cash Flow	28.14M
FCF Per Share	$2.51

Margins

Gross Margin	n/a
Operating Margin	45.58%
Pretax Margin	42.44%
Profit Margin	35.10%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	32.93%

Dividends & Yields

This stock pays an annual dividend of $1.48, which amounts to a dividend yield of 5.52%.

Dividend Per Share	$1.48
Dividend Yield	5.52%
Dividend Growth (YoY)	2.84%
Years of Dividend Growth	6
Payout Ratio	54.11%
Buyback Yield	-0.58%
Shareholder Yield	4.99%
Earnings Yield	9.96%
FCF Yield	9.34%

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