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The First Bancorp, Inc.(FNLC)Earnings, Financials & Key Ratios
FNLC•NASDAQ•Banking & Credit
$29.15
$329M mkt cap·9.5× P/E·Price updated May 7, 2026
AboutThe 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, savings, money market, and certificates of deposit accounts. The company also provides commercial real estate loan products, such as mortgage loans to finance investments in real property comprising multi-family residential, commercial/retail, office, industrial, hotel, educational, and other specific or mixed use properties; commercial construction loans to finance construction of owner- and non-owner occupied commercial real estate properties; and other commercial loans, which include revolving and term loan obligations to business and corporate enterprises for the purpose of financing working capital or capital investment. In addition, it offers municipal loans for capitalized expenditures, construction projects, or tax-anticipation notes; residential term loans that include amortizing home mortgages and construction loans, which include loans for owner-occupied residential construction; home equity loans and lines of credit; and consumer loans, which are amortizing loans to individuals collateralized by automobiles, pleasure crafts, and recreation vehicles, as well as unsecured short-term time notes. Further, the company provides private banking, financial planning, investment management, and trust services to individuals, businesses, non-profit organizations, and municipalities, as well as payment processing services. It operates through 18 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.Show more
- Net Interest Income$77M+21.1%
- Total Revenue$178M+7.4%
- Net Income$34M+27.2%
- Return on Equity12.84%+17.7%
- Net Interest Margin2.44%+20.7%
- Efficiency Ratio28.67%+0.6%
- ROA1.09%+22.7%
- Equity / Assets8.94%+11.8%
- Book Value per Share25.25+11.4%
- Tangible BV/Share22.52+13.1%
- Debt/Equity0.66+14.5%
FNLC Key Insights
The First Bancorp, Inc. (FNLC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 28.7% efficiency ratio
- ✓13 consecutive years of dividend growth
- ✓Healthy dividend yield of 5.0%
- ✓Trading near 52-week high
- ✓Trading at only 1.2x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
FNLC Price & Volume
The First Bancorp, Inc. (FNLC) stock price & volume — 10-year historical chart
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FNLC Growth Metrics
The First Bancorp, Inc. (FNLC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years10.91%
5 Years13.27%
3 Years17.35%
TTM-
Profit CAGR
10 Years7.82%
5 Years4.86%
3 Years-4.09%
TTM27.17%
EPS CAGR
10 Years7.35%
5 Years4.36%
3 Years-4.55%
TTM26.86%
Return on Capital
10 Years11.35%
5 Years12.83%
3 Years11.3%
Last Year10.62%
FNLC Recent Earnings
The First Bancorp, Inc. (FNLC) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 22, 2026EPS
$0.80
Revenue
$39M
Q2 2026
Mar 6, 2026EPS
$0.91
Revenue
$45M
Q1 2026
Jan 21, 2026EPS
$0.91
Revenue
$45M
Q4 2025
Oct 22, 2025EPS
$0.81
Revenue
$45M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $0.80 | $39M |
| Q2 2026 | Mar 6, 2026 | $0.91 | $45M |
| Q1 2026 | Jan 21, 2026 | $0.91 | $45M |
| Q4 2025 | Oct 22, 2025 | $0.81 | $45M |
Based on last 12 quarters of dataView full earnings history →
FNLC Peer Comparison
The First Bancorp, Inc. (FNLC) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.35B | 45.07 | 13.53 | 10.36% | 9.51% | 0.17 | ||
 CNOB | 1.5B | 29.91 | 20.21 | 13.44% | 5.49% | 0.74 | ||
 FUNC | 248.05M | 38.18 | 12.12 | 16.94% | 12.52% | 1.05 | ||
 NECB | 339.07M | 24.51 | 7.54 | -1.55% | 13.07% | 0.21 | ||
 MNSB | 176.24M | 23.51 | 13.36 | -1.44% | 7.26% | 0.32 | ||
 CFFI | 252.26M | 77.48 | 9.35 | 11.78% | 10.82% | 0.44 | ||
 CZWI | 202.97M | 21.08 | 14.44 | -9.41% | 7.81% | 0.28 | ||
 BWFG | 415.48M | 52.11 | 11.71 | 6.13% | 12.21% | 0.60 |
Compare FNLC vs Peers
The First Bancorp, Inc. (FNLC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FNLC Income Statement
The First Bancorp, Inc. (FNLC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 47.3M | 50.21M | 52.49M | 59.83M | 66.3M | 76.17M | 65.21M | 63.91M | 77.38M |
| NII Growth % | 10.14% | 6.14% | 4.55% | 13.98% | 10.81% | 14.88% | -14.39% | -1.99% | 21.07% |
| Net Interest Margin % | 2.57% | 2.58% | 2.54% | 2.53% | 2.62% | 2.78% | 2.21% | 2.02% | 2.44% |
| Interest Income | 60.83M | 70.54M | 78.65M | 77.12M | 77.08M | 93.03M | 128.17M | 148.83M | 160.27M |
| Interest Expense | 13.53M | 20.33M | 26.16M | 17.29M | 10.78M | 16.87M | 62.97M | 84.92M | 82.89M |
| Loan Loss Provision | 2M | 1.5M | 1.25M | 6.05M | -375K | 1.75M | 1.19M | 763K | 1.85M |
| Non-Interest Income | 12.55M | 12.6M | 14.19M | 18.12M | 19.38M | 16.87M | 15.44M | 16.59M | 17.34M |
| Non-Interest Income % | 17.1% | 15.15% | 15.28% | 19.02% | 20.09% | 15.35% | 10.75% | 10.03% | 9.76% |
| Total Revenue | 73.38M▲ 0% | 83.14M▲ 13.3% | 92.84M▲ 11.7% | 95.24M▲ 2.6% | 96.46M▲ 1.3% | 109.91M▲ 13.9% | 143.62M▲ 30.7% | 165.43M▲ 15.2% | 177.61M▲ 7.4% |
| Revenue Growth % | 10.75% | 13.3% | 11.66% | 2.58% | 1.29% | 13.94% | 30.67% | 15.19% | 7.37% |
| Non-Interest Expense | 31.65M | 33.47M | 35.17M | 39.65M | 42.15M | 43.9M | 43.76M | 47.16M | 50.93M |
| Efficiency Ratio | 43.13% | 40.25% | 37.88% | 41.63% | 43.69% | 39.95% | 30.47% | 28.51% | 28.67% |
| Operating Income | 26.2M▲ 0% | 27.84M▲ 6.3% | 30.26M▲ 8.7% | 32.25M▲ 6.6% | 43.91M▲ 36.2% | 47.39M▲ 7.9% | 35.7M▼ 24.7% | 32.58M▼ 8.7% | 41.94M▲ 28.7% |
| Operating Margin % | 35.7% | 33.49% | 32.59% | 33.86% | 45.52% | 43.11% | 24.86% | 19.7% | 23.61% |
| Operating Income Growth % | 7.1% | 6.27% | 8.68% | 6.58% | 36.16% | 7.91% | -24.66% | -8.73% | 28.71% |
| Pretax Income | 26.2M▲ 0% | 27.84M▲ 6.3% | 30.26M▲ 8.7% | 32.25M▲ 6.6% | 43.91M▲ 36.2% | 47.39M▲ 7.9% | 35.7M▼ 24.7% | 32.58M▼ 8.7% | 41.94M▲ 28.7% |
| Pretax Margin % | 35.7% | 33.49% | 32.59% | 33.86% | 45.52% | 43.11% | 24.86% | 19.7% | 23.61% |
| Income Tax | 6.61M | 4.31M | 4.74M | 5.12M | 7.64M | 8.4M | 6.18M | 5.54M | 7.54M |
| Effective Tax Rate % | 25.24% | 15.47% | 15.65% | 15.88% | 17.41% | 17.72% | 17.32% | 17% | 17.99% |
| Net Income | 19.59M▲ 0% | 23.54M▲ 20.2% | 25.52M▲ 8.5% | 27.13M▲ 6.3% | 36.27M▲ 33.7% | 38.99M▲ 7.5% | 29.52M▼ 24.3% | 27.05M▼ 8.4% | 34.39M▲ 27.2% |
| Net Margin % | 26.69% | 28.31% | 27.49% | 28.49% | 37.6% | 35.47% | 20.55% | 16.35% | 19.36% |
| Net Income Growth % | 8.77% | 20.16% | 8.45% | 6.28% | 33.69% | 7.5% | -24.29% | -8.38% | 27.17% |
| Net Income (Continuing) | 19.59M | 23.54M | 25.52M | 27.13M | 36.27M | 38.99M | 29.52M | 27.05M | 34.39M |
| EPS (Diluted) | 1.81▲ 0% | 2.17▲ 19.9% | 2.34▲ 7.8% | 2.48▲ 6.0% | 3.30▲ 33.1% | 3.53▲ 7.0% | 2.66▼ 24.6% | 2.43▼ 8.6% | 3.07▲ 26.3% |
| EPS Growth % | 9.04% | 19.89% | 7.83% | 5.98% | 33.06% | 6.97% | -24.65% | -8.65% | 26.34% |
| EPS (Basic) | 1.82 | 2.18 | 2.36 | 2.50 | 3.33 | 3.57 | 2.68 | 2.45 | 3.10 |
| Diluted Shares Outstanding | 10.82M | 10.85M | 10.89M | 10.93M | 10.99M | 11.03M | 11.08M | 11.14M | 11.21M |
FNLC Balance Sheet
The First Bancorp, Inc. (FNLC) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 320.24M | 348.63M | 386.26M | 395.74M | 407.88M | 310.93M | 317.48M | 324.42M | 292.26M |
| Cash & Due from Banks | 20.07M | 31.21M | 25.74M | 82.36M | 87.31M | 26.42M | 35.43M | 49.74M | 27.78M |
| Short Term Investments | 297.2M | 317.42M | 360.52M | 313.38M | 320.57M | 284.51M | 282.05M | 274.68M | 264.48M |
| Total Investments | 1.71B | 1.8B | 1.93B | 2.15B | 2.32B | 2.58B | 2.77B | 2.96B | 3B |
| Investments Growth % | 7.43% | 5.42% | 7.09% | 11.29% | 8.31% | 10.89% | 7.61% | 6.77% | 1.39% |
| Long-Term Investments | 1.41B | 1.48B | 1.57B | 1.83B | 2B | 2.29B | 2.49B | 2.69B | 2.72B |
| Accounts Receivables | 5.87M | 6.66M | 7.17M | 9.3M | 7.54M | 9.83M | 11.89M | 13.98M | 14.19M |
| Goodwill & Intangibles | 29.8M | 29.8M | 29.8M | 30.65M | 30.65M | 30.65M | 30.65M | 30.65M | 30.65M |
| Goodwill | 29.8M | 29.8M | 29.8M | 30.65M | 30.65M | 30.65M | 30.65M | 30.65M | 30.65M |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 22.5M | 22.06M | 21.3M | 27.25M | 28.95M | 28.28M | 28.68M | 27.86M | 28.77M |
| Other Assets | 57.13M | 54.71M | 57.06M | 66.33M | 49.08M | 67.37M | 67.33M | 74.34M | -2.72B |
| Total Current Assets | 323.13M | 355.29M | 393.43M | 405.04M | 415.42M | 320.76M | 329.38M | 338.39M | 306.44M |
| Total Non-Current Assets | 1.52B | 1.59B | 1.68B | 1.96B | 2.11B | 2.42B | 2.62B | 2.82B | 59.41M |
| Total Assets | 1.84B▲ 0% | 1.95B▲ 5.6% | 2.07B▲ 6.3% | 2.36B▲ 14.1% | 2.53B▲ 7.0% | 2.74B▲ 8.4% | 2.95B▲ 7.6% | 3.16B▲ 7.1% | 3.17B▲ 0.3% |
| Asset Growth % | 7.58% | 5.58% | 6.33% | 14.14% | 7.02% | 8.39% | 7.58% | 7.14% | 0.29% |
| Return on Assets (ROA) | 1.1% | 1.24% | 1.27% | 1.22% | 1.48% | 1.48% | 1.04% | 0.89% | 1.09% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 228.76M | 210.32M | 184.96M | 262.04M | 136.34M | 103.48M | 69.65M | 146.28M | 187.82M |
| Net Debt | 208.69M | 179.1M | 159.21M | 179.68M | 49.03M | 77.06M | 34.22M | 96.54M | 160.04M |
| Long-Term Debt | 115.12M | 65.11M | 10.11M | 55.1M | 55.09M | 84K | 0 | 95M | 95.5M |
| Short-Term Debt | 113.64M | 145.21M | 174.85M | 206.94M | 81.25M | 103.4M | 69.65M | 51.28M | 92.41M |
| Other Liabilities | 13.97M | 15.63M | 20.87M | 30.86M | 21.8M | 27.89M | 34.3M | 32.99M | 2.7B |
| Total Current Liabilities | 1.53B | 1.67B | 1.83B | 2.05B | 2.2B | 2.48B | 2.67B | 2.78B | 2.76B |
| Total Non-Current Liabilities | 129.09M | 80.74M | 30.97M | 85.96M | 76.89M | 27.98M | 34.3M | 127.99M | 2.8B |
| Total Liabilities | 1.66B | 1.75B | 1.86B | 2.14B | 2.28B | 2.51B | 2.7B | 2.9B | 2.88B |
| Total Equity | 181.32M▲ 0% | 191.54M▲ 5.6% | 212.51M▲ 10.9% | 223.73M▲ 5.3% | 245.66M▲ 9.8% | 228.92M▼ 6.8% | 243.08M▲ 6.2% | 252.49M▲ 3.9% | 283.14M▲ 12.1% |
| Equity Growth % | 5.1% | 5.64% | 10.95% | 5.28% | 9.8% | -6.81% | 6.18% | 3.87% | 12.14% |
| Equity / Assets (Capital Ratio) | 9.84% | 9.84% | 10.27% | 9.47% | 9.72% | 8.36% | 8.25% | 8% | 8.94% |
| Return on Equity (ROE) | 11.07% | 12.62% | 12.63% | 12.44% | 15.45% | 16.43% | 12.51% | 10.91% | 12.84% |
| Book Value per Share | 16.75 | 17.66 | 19.52 | 20.46 | 22.36 | 20.75 | 21.93 | 22.67 | 25.25 |
| Tangible BV per Share | 14.00 | 14.91 | 16.78 | 17.66 | 19.57 | 17.97 | 19.17 | 19.92 | 22.52 |
| Common Stock | 108K | 109K | 109K | 110K | 110K | 110K | 111K | 112K | 112K |
| Additional Paid-in Capital | 61.75M | 62.75M | 63.96M | 65.28M | 66.83M | 68.44M | 70.07M | 71.83M | 73.71M |
| Retained Earnings | 120.85M | 132.46M | 144.84M | 158.36M | 180.42M | 204.34M | 211.93M | 222.82M | 240.46M |
| Accumulated OCI | -1.68M | -3.77M | 3.6M | -28K | -1.7M | -43.97M | -39.03M | -42.27M | -31.14M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
FNLC Cash Flow Statement
The First Bancorp, Inc. (FNLC) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 22.27M | 33.84M | 26.05M | 22.7M | 56.69M | 41.21M | 36.92M | 26.05M | 37.81M |
| Operating CF Growth % | 5.11% | 51.93% | -23.01% | -12.88% | 149.77% | -27.3% | -10.42% | -29.45% | 45.18% |
| Net Income | 19.59M | 23.54M | 25.52M | 27.13M | 36.27M | 38.99M | 29.52M | 27.05M | 34.39M |
| Depreciation & Amortization | 1.86M | 1.79M | 1.94M | 2.22M | 2.04M | 1.98M | 2.11M | 2.21M | 0 |
| Deferred Taxes | 2.08M | -485K | 336K | -262K | 999K | 178K | -1.06M | 1.05M | 0 |
| Other Non-Cash Items | 5.18M | 3.62M | 2.58M | 1.35M | 7.26M | 3.27M | 1.59M | 1.19M | -959.09M |
| Working Capital Changes | -6.84M | 4.99M | -4.89M | -8.39M | 9.27M | -4.02M | 3.94M | -6.34M | -3.49M |
| Cash from Investing | -130.06M | -112.08M | -116.28M | -250.07M | -201.75M | -247.58M | -199.81M | -217.42M | -3M |
| Purchase of Investments | -221.74M | -90.05M | -170.11M | -363.58M | -226.28M | -102.96M | -88.58M | -29.47M | 0 |
| Sale/Maturity of Investments | 187.37M | 66.31M | 111.25M | 326.99M | 203.88M | 59.85M | 105.67M | 48.11M | 0 |
| Net Investment Activity | -34.37M | -23.75M | -58.86M | -36.6M | -22.4M | -43.11M | 17.09M | 18.64M | 0 |
| Acquisitions | 0 | 0 | 0 | -6.06M | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -93.11M | -86.85M | -55.84M | -204.88M | -175.59M | -203.07M | -214.26M | -234.58M | -3M |
| Cash from Financing | 109.63M | 78.16M | 85.53M | 239.15M | 139.48M | 208.46M | 172.1M | 187.07M | -34.67M |
| Dividends Paid | -11.46M | -12.05M | -12.96M | -13.33M | -13.95M | -14.78M | -15.42M | -15.8M | -16.35M |
| Share Repurchases | -154K | -168K | -183K | -156K | -253K | -277K | -250K | -212K | -282K |
| Stock Issued | 632K | 619K | 653K | 670K | 689K | 796K | 817K | 867K | 916K |
| Net Stock Activity | 478K | 451K | 470K | 514K | 436K | 519K | 567K | 655K | 634K |
| Debt Issuance (Net) | -1000K | -1000K | -1000K | 1000K | -1000K | -1000K | -1000K | 1000K | 1000K |
| Other Financing | 170.75M | 108.21M | 123.38M | 174.88M | 278.69M | 255.58M | 220.78M | 125.59M | -60.5M |
| Net Change in Cash | 1.84M▲ 0% | -73K▼ 104.0% | -4.7M▼ 6339.7% | 11.78M▲ 350.6% | -5.58M▼ 147.4% | 2.09M▲ 137.5% | 9.21M▲ 340.0% | -4.31M▼ 146.7% | -4M▲ 7.1% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 17.37M | 19.21M | 19.13M | 14.43M | 26.21M | 20.63M | 22.73M | 31.94M | 1.07B |
| Cash at End | 19.21M | 19.13M | 14.43M | 26.21M | 20.63M | 22.73M | 31.94M | 27.64M | 1.07B |
| Interest Paid | 13.37M | 20.1M | 26.09M | 17.56M | 11.14M | 16.07M | 62.23M | 84.44M | 82.98M |
| Income Taxes Paid | 5.73M | 3.06M | 3.99M | 5.05M | 6.55M | 8.01M | 5.62M | 4.53M | 5.67M |
| Free Cash Flow | 19.74M▲ 0% | 32.36M▲ 63.9% | 24.48M▼ 24.3% | 20.16M▼ 17.7% | 52.94M▲ 162.6% | 39.81M▼ 24.8% | 34.28M▼ 13.9% | 24.57M▼ 28.3% | 34.59M▲ 40.8% |
| FCF Growth % | 3.59% | 63.88% | -24.34% | -17.66% | 162.61% | -24.8% | -13.88% | -28.33% | 40.79% |
FNLC Banking Ratios
The First Bancorp, Inc. (FNLC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 10.59% | 11.07% | 12.62% | 12.63% | 12.44% | 15.45% | 16.43% | 12.51% | 10.91% | 12.84% |
| Return on Assets (ROA) | 1.1% | 1.1% | 1.24% | 1.27% | 1.22% | 1.48% | 1.48% | 1.04% | 0.89% | 1.09% |
| Net Interest Margin | 2.51% | 2.57% | 2.58% | 2.54% | 2.53% | 2.62% | 2.78% | 2.21% | 2.02% | 2.44% |
| Efficiency Ratio | 44.35% | 43.13% | 40.25% | 37.88% | 41.63% | 43.69% | 39.95% | 30.47% | 28.51% | 28.67% |
| Equity / Assets | 10.07% | 9.84% | 9.84% | 10.27% | 9.47% | 9.72% | 8.36% | 8.25% | 8% | 8.94% |
| Book Value / Share | 15.9 | 16.75 | 17.66 | 19.52 | 20.46 | 22.36 | 20.75 | 21.93 | 22.67 | 25.25 |
| NII Growth | 4.91% | 10.14% | 6.14% | 4.55% | 13.98% | 10.81% | 14.88% | -14.39% | -1.99% | 21.07% |
| Dividend Payout | 54.47% | 58.51% | 51.21% | 50.79% | 49.13% | 38.46% | 37.9% | 52.23% | 58.43% | 47.53% |
FNLC SEC Filings & Documents
The First Bancorp, Inc. (FNLC) SEC filings — annual & quarterly reports (10-K, 10-Q)
FNLC Frequently Asked Questions
The First Bancorp, Inc. (FNLC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
The First Bancorp, Inc. (FNLC) grew revenue by 7.4% over the past year. This is steady growth.
Yes, The First Bancorp, Inc. (FNLC) is profitable, generating $34.4M in net income for fiscal year 2025 (19.4% net margin).
Dividend & Returns
Yes, The First Bancorp, Inc. (FNLC) pays a dividend with a yield of 5.00%. This makes it attractive for income-focused investors.
The First Bancorp, Inc. (FNLC) has a return on equity (ROE) of 12.8%. This is reasonable for most industries.
Industry Metrics
The First Bancorp, Inc. (FNLC) has a net interest margin (NIM) of 2.4%. NIM has been under pressure due to interest rate environment.
The First Bancorp, Inc. (FNLC) has an efficiency ratio of 28.7%. This is excellent, indicating strong cost control.
Explore More FNLC
The First Bancorp, Inc. (FNLC) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates