NMS · Banks - Regional

FNLC (FNLC) Stock

$35.44 +1.58% NMS: FNLC Financial Services

Valuation

MetricValue
Price$35.44
Market Cap$399.61M
P/E Ratio9.50
P/B Ratio1.15
P/S Ratio1.83
EPS (TTM)$3.07
52-Week High$35.93
52-Week Low$23.62
Dividend Yield5.24%

Financials & Margins

MetricValue
ROE12.01%
ROA1.07%
ROCE14.84%
Gross Margin23.60%
Operating Margin23.60%
Net Margin20.86%
Debt/Equity0.68
Current Ratio0.11

Annual Financials (USD)

Metric20212022202320242025
Revenue$96.0M$110.0M$144.0M$165.0M$178.0M
Operating Profit$44.0M$47.0M$36.0M$33.0M$42.0M
Net Profit$36.0M$39.0M$30.0M$27.0M$34.0M
EPS$3.30$3.53$2.66$2.43$3.07
Op Margin45.5%43.1%24.9%19.7%23.6%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$2.5B$2.7B$2.9B$3.2B$3.2B
Total Liabilities$2.3B$2.5B$2.7B$2.9B$2.9B
Cash$87.0M$26.0M$35.0M$50.0M$32.0M
Borrowings$136.0M$103.0M$70.0M$146.0M$188.0M

Latest News

The First Bancorp Declares Second Quarter Dividend Business Wire · Jun 25, 2026 Undervalued Small Caps With Insider Buying To Enhance Your Portfolio Simply Wall St. · May 20, 2026 First Bancorp (FNLC) Shareholders OK All Annual Meeting Proposals as Chair Tindall Retires MarketBeat · Apr 29, 2026 The First Bancorp Inc.: Q1 Earnings Snapshot Associated Press · Apr 22, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$57.0M$41.0M$37.0M$26.0M$38.0M
Investing Cash Flow$-206.0M$-249.0M$-202.0M$-219.0M$-6.0M
Financing Cash Flow$278.0M$255.0M$221.0M$125.0M$-61.0M
Net Cash Flow$-6.0M$2.0M$9.0M$-4.0M$0
Free Cash Flow$53.0M$40.0M$34.0M$25.0M$35.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y34.06%
Return 3Y49.40%
Return 5Y55.45%

Ownership

Insiders Held4.93%
Institutions Held52.65%
Institutions Float Held55.38%
Institutional HolderSharesReport Date
Blackrock Inc.856,0892026-03-31
First Bancorp, Inc/ME/741,5172026-03-31
Dimensional Fund Advisors LP459,7042026-03-31
Vanguard Capital Management LLC406,1482026-03-31
Manufacturers Life Insurance Co.378,0342026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
CBAN $22.21 +2.16% 12.45 $469.96M 2.37%
COSO $27.36 +0.33% 11.89 $329.29M 0.39%
CZFS $77.36 +1.83% 8.50 $371.71M 3.08%
CZNC $25.10 +2.03% 14.51 $449.71M 5.29%
FSBW $43.06 -0.49% 9.50 $319.27M 3.43%

About FNLC

FNLC is led by CEO Tony C. McKim, employs 284 people, headquartered in US, publicly traded since 1999.

FNLC stock trades at $35.44 with a market capitalization of $399.61M. The stock is valued at a price-to-earnings (P/E) ratio of 9.50, price-to-book of 1.15, price-to-sales of 1.83. Over the past 52 weeks the stock has ranged between $23.62 and $35.93, and currently trades 1.4% below its 52-week high. It pays a dividend yielding 5.24%.

On profitability, FNLC generates a return on equity (ROE) of 12.01%, above the typical market average, return on capital employed of 14.84%, an operating margin of 23.60%, a net profit margin of 20.86%.

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