First Bancorp/$FNLC
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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
$395M
10.39
$3.37
0.48
$1.49
4.34%
Price and volume
Market cap
$395M
Beta
0.48
52-week high
$36.30
52-week low
$24.08
Average daily volume
28K
Dividend rate
$1.49
Financial strength
Dividend payout ratio (TTM)
43.98%
Profitability
Net profit margin (TTM)
38.26%
Operating margin (TTM)
49.04%
Effective tax rate (TTM)
17.70%
Revenue per employee (TTM)
$360,000
Management effectiveness
Return on assets (TTM)
1.18%
Return on equity (TTM)
13.54%
Valuation
Price to earnings (TTM)
10.394
Price to revenue (TTM)
3.937
Price to book
1.35
Price to tangible book (TTM)
1.51
Price to free cash flow (TTM)
10.922
Free cash flow yield (TTM)
9.16%
Free cash flow per share (TTM)
3.207
Dividend yield (TTM)
4.25%
Forward dividend yield
4.34%
Growth
Revenue change (TTM)
15.64%
Earnings per share change (TTM)
25.76%
3-year revenue growth (CAGR)
4.46%
3-year earnings per share growth (CAGR)
2.49%
10-year earnings per share growth (CAGR)
7.87%
3-year dividend per share growth (CAGR)
2.84%
10-year dividend per share growth (CAGR)
5.29%
Bulls say / Bears say
Net income rose 18.6% year-over-year to $9.6 million in Q2 2026, driven by strong loan growth and margin expansion (Morningstar ([turn2search2]))
Net interest margin expanded by 36 basis points to 2.88% in Q2 2026, reflecting disciplined balance-sheet management and deployment into higher-yielding assets (Morningstar ([turn2search2]))
Total assets reached $3.216 billion at June 30, 2026, up from $3.166 billion a year earlier and $3.199 billion at March 31, 2026, marking record balance-sheet expansion (SEC 10-Q ([turn10search8]))
Non-performing loans to total loans rose to 0.71% at June 30, 2026, up from 0.25% a year earlier, signaling a deterioration in asset quality and potential future credit costs (MarketScreener ([turn9search2]))
First Bancorp's P/E ratio stood at 10.55x as of August 6, 2026, 4% above its 10-year median of 10.19x, suggesting the shares are modestly overvalued relative to historical norms (GuruFocus ([turn1search11]))
Borrowed funds increased by $18.3 million during Q2 2026, largely through short-term Federal Home Loan Bank advances, heightening reliance on wholesale funding and potential margin pressure (ADVFN ([turn9search3]))
Data summarised monthly by Lightyear AI. Last updated on 25 Aug 2026.
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First Bancorp News
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Funds containing First Bancorp
Fund name | Fund size | $FNLC weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.01% |
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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