First Bancorp/$FNLC
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About First Bancorp
First Bancorp Inc is a Damariscotta-based bank holding company providing a range of retail and commercial banking services including deposit accounts and consumer, commercial and mortgage loans. The company provides investment management and private banking services through an operating division of the bank. Its revenues are generally derived from dividends paid to the company by the bank.
Ticker
$FNLC
Sector
Primary listing
Employees
284
Headquarters
Website
First Bancorp Metrics
BasicAdvanced
$303M
10.07
$2.69
0.57
$1.45
5.47%
Price and volume
Market cap
$303M
Beta
0.57
52-week high
$27.58
52-week low
$22.11
Average daily volume
20K
Dividend rate
$1.45
Financial strength
Dividend payout ratio (TTM)
53.12%
Profitability
Net profit margin (TTM)
35.10%
Operating margin (TTM)
45.58%
Effective tax rate (TTM)
17.28%
Revenue per employee (TTM)
$300,000
Management effectiveness
Return on assets (TTM)
0.95%
Return on equity (TTM)
11.76%
Valuation
Price to earnings (TTM)
10.067
Price to revenue (TTM)
3.505
Price to book
1.14
Price to tangible book (TTM)
1.29
Price to free cash flow (TTM)
10.648
Free cash flow yield (TTM)
9.39%
Free cash flow per share (TTM)
2.541
Dividend yield (TTM)
5.36%
Forward dividend yield
5.47%
Growth
Revenue change (TTM)
10.86%
Earnings per share change (TTM)
13.43%
3-year revenue growth (CAGR)
-1.73%
3-year earnings per share growth (CAGR)
-8.25%
10-year earnings per share growth (CAGR)
6.22%
3-year dividend per share growth (CAGR)
3.71%
10-year dividend per share growth (CAGR)
5.49%
Bulls say / Bears say
Net income for Q2 2025 reached $8.1 million, a 30.7% increase from Q2 2024, marking the strongest quarterly earnings since Q4 2022 (MarketScreener)
Net interest margin expanded to 2.52% in Q2 2025, the highest level since Q1 2023, up 31 basis points year-over-year, reflecting improved asset yield management (MarketScreener)
The Board increased the quarterly dividend to $0.37 per share in Q2 2025, the 11th consecutive annual raise, yielding 5.99%, underscoring strong capital generation and shareholder commitment (Nasdaq)
Total deposits at March 31, 2025 fell by $13.9 million sequentially, driven by a $68.6 million decrease in non-maturity deposits, highlighting weak deposit growth in the quarter (Business Wire)
Loan balances grew at an annualized rate of just 1.85% in Q2 2025, indicating a cautious lending environment and decelerating credit expansion (GuruFocus)
Operating expenses rose by just over 9% year-over-year in Q1 2025, largely due to one-time employee-related costs, putting pressure on efficiency despite higher revenues (Business Wire)
Data summarised monthly by Lightyear AI. Last updated on 8 Aug 2025.
First Bancorp News
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FAQs
What’s the current market cap for First Bancorp stock?
First Bancorp (FNLC) has a market cap of $303M as of August 23, 2025.
What is the P/E ratio for First Bancorp stock?
The price to earnings (P/E) ratio for First Bancorp (FNLC) stock is 10.07 as of August 23, 2025.
Does First Bancorp stock pay dividends?
Yes, the First Bancorp (FNLC) stock pays dividends to shareholders. As of August 23, 2025, the dividend rate is $1.45 and the yield is 5.47%. First Bancorp has a payout ratio of 53.12% on a trailing twelve-month basis.
When is the next First Bancorp dividend payment date?
The next First Bancorp (FNLC) dividend payment date is unconfirmed.
What is the beta indicator for First Bancorp?
First Bancorp (FNLC) has a beta rating of 0.57. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.