First Bancorp/$FNLC
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
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
- Finance
- Primary listing
- NASDAQ
- Employees
- 278
- Headquarters
- Damariscotta, United States
- Website
- www.thefirst.com
First Bancorp Metrics
BasicAdvanced
$411M
10.40
$3.50
0.48
$1.50
4.17%
Price and volume
Market cap
$411M
Beta
0.48
52-week high
$37.61
52-week low
$24.63
Average daily volume
40K
Dividend rate
$1.50
Financial strength
Profitability
Net profit margin (TTM)
38.82%
Operating margin (TTM)
49.53%
Effective tax rate (TTM)
17.60%
Revenue per employee (TTM)
$370,000
Management effectiveness
Return on assets (TTM)
1.22%
Return on equity (TTM)
14.00%
Valuation
Price to earnings (TTM)
10.402
Price to revenue (TTM)
3.992
Price to book
1.43
Price to tangible book (TTM)
1.6
Dividend yield (TTM)
4.12%
Forward dividend yield
4.17%
Growth
Revenue change (TTM)
15.16%
Earnings per share change (TTM)
24.55%
3-year revenue growth (CAGR)
6.90%
3-year earnings per share growth (CAGR)
6.60%
10-year earnings per share growth (CAGR)
8.01%
3-year dividend per share growth (CAGR)
2.82%
10-year dividend per share growth (CAGR)
5.24%
Bulls say / Bears say
Second-quarter net income rose 18.6% year on year to $9.6 million, and diluted earnings per share increased 17.8% to $0.85. First-half net income was up 22.5%, showing strong recent earnings momentum. (The First Bancorp)
Net interest margin improved for an eighth consecutive quarter, reaching 2.88%, up 36 basis points from a year earlier. Net interest income grew 15% year on year as asset yields held up and funding costs fell. (The First Bancorp)
The bank reported a strong capital position and $706 million of available day-one liquidity, enough to cover 153% of estimated uninsured deposits. The board also raised the quarterly dividend to $0.38 per share. (The First Bancorp)
Credit quality has weakened: non-performing loans rose to 0.71% of loans from 0.25% a year earlier, while non-performing assets increased to 0.54% from 0.19%. Second-quarter net charge-offs were $1.6 million, concentrated in one credit relationship. (The First Bancorp)
Funding remains a pressure point. In the second quarter, non-maturity deposits fell by $28.7 million, while short-term time deposits rose by $43.9 million and borrowings increased by $18.3 million. (U.S. Securities and Exchange Commission)
Operating costs are rising: first-half non-interest expense increased 7.8% year on year to $27.0 million, with salaries and employee benefits up about 10%. Continued cost growth could limit the benefit of stronger revenue and margins. (U.S. Securities and Exchange Commission)
Data summarised monthly by Lightyear AI. Last updated on 22 Oct 2026.
First Bancorp Financial Performance
Revenues and expenses
Upcoming events
No upcoming events
Funds containing First Bancorp
Fund name | Fund size | $FNLC weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.02% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.02% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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