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Home CompaniesFirst Bancorp Inc

First Bancorp Inc

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
37.08 USD 0.00(0%)
Last update at 2026-11-09T21:00:00Z
VOLUME
33684
Market Cap
270.39M
P/E
9.87

Momentum Score

…

The First Bancorp, Inc. operates as the holding company for First National Bank that provides a range of banking products and services to individuals and businesses. It offers various deposit products, including demand, NOW, time, savings, money market, and certificates of deposit accounts. The company also provides commercial loans comprising commercial real estate owner occupied, such as mortgage loans to finance investments in real property such as retail space, offices, industrial buildings, hotels, educational facilities, and other specific or mixed use properties; commercial real estate non-owner occupied loans; commercial construction to finance construction in a mix of owner- and nonowner occupied commercial real estate properties; and commercial and industrial loans, including revolving and term loan for financing working capital and/or capital investment. In addition, it offers commercial multifamily loans; residential real estate term and residential real estate construction loans; loans to municipalities in Maine for capitalized expenditures, construction projects, or tax anticipation notes; home equity revolving and term loans; and personal lines of credit and amortizing loans for various purposes, such as autos, recreational vehicles, debt consolidation, personal expenses, or overdraft protection. Further, the company offers private banking, financial planning, investment management, and trust services to individuals, businesses, non-profit organizations and municipalities; and brokerage, annuity, and various insurance products, as well as payment processing services. It operates through full-service banking offices in Lincoln, Knox, Waldo, Penobscot, Hancock, and Washington counties in the Mid-Coast, Eastern, and Down East regions of Maine. The company was formerly known as First National Lincoln Corporation and changed its name to The First Bancorp, Inc. in April 2008. The First Bancorp, Inc. was founded in 1864 and is based in Damariscotta, Maine.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
36.45
Low
38.49
High
52 Week Price Range
21.47
Low
28.39
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

First Bancorp Inc (NASDAQ: FNLC) is a regional bank holding company that provides commercial and consumer lending, deposit-taking and other financial services to individuals and small- to mid-sized businesses. Long-term growth may be supported by loan book expansion, net interest margin improvement, selective acquisitions and greater digital service adoption, which could help diversify revenue. Investors may find the company attractive for its community banking focus and potential to capture local lending opportunities.

Material risks include credit deterioration and margin pressure from economic or interest-rate cycles, competitive threats from larger banks and fintech, and regulatory, liquidity or operational exposures that could impair results.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
37.08
Dividend Yield
5.71%
Revenue TTM
78.00M
Revenue Per Share
7.08
Gross Profit TTM
91.29M
Debt / Equity
0.29
ROE
11.70%
Net Debt
34.87M
ROCE
6.91%
Diluted EPS TTM
2.46

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 47.39M 43.91M 32.25M 30.26M 27.84M
Net income 38.99M 36.27M 27.13M 25.52M 23.54M
Selling general administrative 24.38M 21.98M 21.13M 18.84M 18.87M
Gross profit 93.04M 85.69M 77.95M 66.68M 62.81M
Reconciled depreciation 0.07M 0.07M 2.22M 1.94M 1.79M
Ebit 66.17M 43.91M 32.25M 30.26M 49.92M
Ebitda 66.24M 43.98M 32.29M 30.30M 49.97M
Depreciation and amortization 0.07M 0.07M 0.04M 0.04M 0.04M
Operating income 66.17M 43.91M 32.25M 30.26M 48.18M
Other operating expenses 11.34M -41.77M -45.70M -36.42M 14.63M
Interest expense 16.87M 10.78M 17.29M 26.16M 20.33M
Tax provision 8.40M 7.64M 5.12M 4.74M 4.31M
Interest income 93.03M 77.08M 77.12M 78.65M 70.54M
Net interest income 76.17M 66.30M 59.83M 52.49M 50.21M
Income tax expense 8.40M 7.64M 5.12M 4.74M 4.31M
Total revenue 93.04M 85.69M 77.95M 66.68M 62.81M
Total operating expenses 11.34M -41.77M -45.70M -36.42M -14.63M
Cost of revenue - - - - 21.83M
Total other income expense net -18.78M 41.09M -17.29M -26.16M -20.33M
Net income from continuing ops 38.99M 36.27M 27.13M 34.99M 23.54M
Net income applicable to common shares 38.99M 36.27M 27.13M 25.52M 23.54M
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 2946.70M 2739.18M 2527.10M 2361.24M 2068.80M
Intangible assets 2.18M - - - 1.55M
Earning assets - - - - 662.70M
Other current assets 47.33M 10.10M 1361.48M 1219.31M 982.13M
Total liab 2703.62M 2510.26M 136.34M 2137.51M 1856.29M
Total stockholder equity 243.08M 228.92M 245.66M 223.73M 212.51M
Other current liab 1919.19M 2378.88M 2123.30M -206.94M -174.85M
Common stock 0.11M 0.11M 0.11M 0.11M 0.11M
Capital stock 0.11M 0.11M 0.11M 0.11M 0.11M
Retained earnings 211.93M 204.34M 180.42M 158.36M 144.84M
Other liab - 22.25M 21.80M 30.86M 19.22M
Good will 30.65M 30.65M 30.65M 30.65M 29.80M
Other assets - 1681.09M 1361.48M 1219.31M 982.13M
Cash 35.43M 26.42M 87.31M 82.36M 25.74M
Total current liabilities 1988.94M 2482.28M 2123.30M 206.94M 174.85M
Net debt 34.87M 77.06M 49.03M 179.68M 159.21M
Short term debt 69.75M 103.40M 81.25M 206.94M 174.85M
Short long term debt 20.08M - - 206.94M 137.73M
Short long term debt total 70.30M 103.48M 136.34M 262.04M 184.96M
Other stockholder equity 70.07M 68.44M 66.83M 65.28M 63.96M
Property plant equipment - 28.28M 28.95M 27.25M 21.30M
Total current assets 47.33M 320.76M 415.42M 405.04M 393.43M
Long term investments 667.29M 678.40M 690.61M 684.84M 1927.72M
Net tangible assets - 198.28M 215.01M 193.08M 182.70M
Short term investments 282.05M 284.51M 320.57M 313.38M 360.52M
Net receivables 11.89M 9.83M 7.54M 9.30M 7.17M
Long term debt - 103.48M 136.34M 55.10M 10.11M
Inventory 18.86M - - 0.91M 0.28M
Accounts payable - 2378.88M 2123.30M 1844.61M 1650.47M
Accumulated other comprehensive income -39.03M -43.97M -1.70M -0.03M 3.60M
Common stock total equity - 0.11M 0.11M 0.11M 0.11M
Retained earnings total equity - 204.34M 180.42M 158.36M 144.84M
Non currrent assets other 2817.41M -737.33M -750.20M -736.89M -693.24M
Non current assets total 2899.37M 737.33M 750.20M 736.89M 693.24M
Long term debt total - 0.08M 55.09M 55.10M 10.11M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -310.73M -193.65M 122.48M -118.50M -100.73M
Change to liabilities 17.42M -9.33M 9.35M 2.80M 3.85M
Total cashflows from investing activities -247.58M -201.75M -250.07M -116.28M -112.08M
Net borrowings -32.86M -125.70M 77.08M -25.36M -18.44M
Total cash from financing activities 208.46M 139.48M 239.15M 85.53M 78.16M
Change to operating activities -4.02M 9.27M -8.39M -4.89M 4.99M
Net income 38.99M 36.27M 27.13M 25.52M 23.54M
Change in cash 2.09M -5.58M 11.78M -4.70M -0.07M
Begin period cash flow 20.63M 26.21M 14.43M 19.13M 19.21M
End period cash flow 22.73M 20.63M 26.21M 14.43M 19.13M
Total cash from operating activities 41.21M 56.69M 22.70M 26.05M 33.84M
Issuance of capital stock 0.80M 0.69M 0.67M 0.65M 0.62M
Depreciation 1.98M 2.04M 2.22M 1.94M 1.79M
Other cashflows from investing activities 64.56M -4.34M -51.85M 3.79M -9.87M
Dividends paid -14.78M -13.95M -13.33M -12.96M 12.05M
Change to account receivables - - - -7.69M 1.15M
Sale purchase of stock -0.28M -0.25M -0.16M -0.18M -0.17M
Other cashflows from financing activities 277.73M 153.00M 261.97M 123.38M 169.76M
Change to netincome 2.98M 6.41M 0.59M 2.27M 1.61M
Capital expenditures 1.40M 3.76M 2.54M 1.57M 1.48M
Cash flows other operating -21.45M 18.58M -18.89M -7.91M 1.01M
Cash and cash equivalents changes 2.09M -5.58M 11.78M -4.70M -0.07M
Change in working capital -4.02M 9.27M -8.39M -4.89M 4.99M
Stock based compensation 0.81M 0.86M 0.65M 0.56M 0.38M
Other non cash items 3.58M 7.26M 1.35M 2.58M 3.62M
Free cash flow 39.81M 52.94M 20.16M 24.48M 32.36M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
FNLC
First Bancorp Inc		 -
-%		 37.08 9.87 - 3.12 1.02
DBSDY
DBS Group Holdings Ltd ADR		 4.37
2.02%		 220.25 20.00 17.57 7.54 3.17
CIHHF
China Merchants Bank Co Ltd Class H		 0.03
0.45%		 6.69 7.70 7.10 0.55 0.83
CIHKY
China Merchants Bank Co Ltd		 -0.05
0.14%		 34.68 7.79 7.20 0.55 0.85
UNCFF
UniCredit SpA		 5.05
5.86%		 91.30 11.53 10.27 5.72 1.83

Profile*

First Bancorp Inc

The First Bancorp, Inc. operates as the holding company for First National Bank that provides a range of banking products and services to individuals and businesses. It offers various deposit products, including demand, NOW, time, savings, money market, and certificates of deposit accounts. The company also provides commercial loans comprising commercial real estate owner occupied, such as mortgage loans to finance investments in real property such as retail space, offices, industrial buildings, hotels, educational facilities, and other specific or mixed use properties; commercial real estate non-owner occupied loans; commercial construction to finance construction in a mix of owner- and nonowner occupied commercial real estate properties; and commercial and industrial loans, including revolving and term loan for financing working capital and/or capital investment. In addition, it offers commercial multifamily loans; residential real estate term and residential real estate construction loans; loans to municipalities in Maine for capitalized expenditures, construction projects, or tax anticipation notes; home equity revolving and term loans; and personal lines of credit and amortizing loans for various purposes, such as autos, recreational vehicles, debt consolidation, personal expenses, or overdraft protection. Further, the company offers private banking, financial planning, investment management, and trust services to individuals, businesses, non-profit organizations and municipalities; and brokerage, annuity, and various insurance products, as well as payment processing services. It operates through full-service banking offices in Lincoln, Knox, Waldo, Penobscot, Hancock, and Washington counties in the Mid-Coast, Eastern, and Down East regions of Maine. The company was formerly known as First National Lincoln Corporation and changed its name to The First Bancorp, Inc. in April 2008. The First Bancorp, Inc. was founded in 1864 and is based in Damariscotta, Maine.

223 Main Street, Damariscotta, ME, United States, 04543

207 563 3195

https://www.thefirst.com

271

Name Title Year Born
Mr. Tony C. McKim Pres, CEO & Director 1967
Mr. Richard M. Elder Exec. VP, CFO & Treasurer 1965
Ms. Susan A. Norton Clerk, CRA Officer, BSA Officer & Compliance Officer 1960
Mr. Tony C. McKim President, CEO & Director 1967
Mr. Richard M. Elder Executive VP, CFO & Treasurer 1965
Ms. Susan A. Norton Executive VP & Clerk 1960

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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