The First Bancorp, Inc.
General ticker "FNLC" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $311.2M (TTM average)
The First Bancorp, Inc. follows the US Stock Market performance with the rate: 45.8%.
Estimated limits based on current volatility of 1.4%: low 33.23$, high 34.15$
Factors to consider:
- Earnings expected soon, date: nan
- Company pays dividends (quarterly): last record date 2026-10-06, amount 0.38$ (Y4.42%)
- Total employees count: 283 (-0.4%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Liquidity and credit risks, Economic downturns and volatility, Investment losses, Labor/talent shortage/retention, Technology risk
- Current price 18.5% above estimated high
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [21.40$, 29.00$]
- 2026-12-31 to 2027-12-31 estimated range: [21.05$, 28.78$]
Financial Metrics affecting the FNLC estimates:
- Positive: with PPE of 8.7 at the end of fiscal year the price was neutral
- Positive: 11.37 < Operating cash flow per share per price, % of 12.73
- Positive: 22.58 < Operating profit margin, % of 27.67
- Negative: Industry operating profit margin (median), % of 24.03 <= 26.54
- Positive: 0.90 < Return on assets ratio (scaled to [-100,100]) of 1.07
- Positive: 9.52 < Industry operating cash flow per share per price (median), % of 10.78
- Negative: 0 < Industry inventory ratio change (median), % of 0
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: 7.04 < Shareholder equity ratio, % of 8.94 <= 12.78
Short-term FNLC quotes
Long-term FNLC plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $80.64MM | $80.79MM | $94.72MM |
| Operating Expenses | $44.94MM | $61.98MM | $68.51MM |
| Operating Income | $35.70MM | $18.81MM | $26.21MM |
| Non-Operating Income | $0.00MM | $13.78MM | $15.73MM |
| Interest Expense | $62.97MM | $84.92MM | $82.89MM |
| Income(Loss) | $35.70MM | $32.58MM | $41.94MM |
| Taxes | $6.18MM | $5.54MM | $7.54MM |
| Net Income(Loss)* | $29.52MM | $27.05MM | $34.39MM |
| Stockholders Equity | $243.08MM | $252.49MM | $283.14MM |
| Assets | $2,946.70MM | $3,157.01MM | $3,166.30MM |
| Operating Cash Flow | $36.92MM | $26.05MM | $37.81MM |
| Capital expenditure | $2.63MM | $1.48MM | $3.22MM |
| Investing Cash Flow | $-199.81MM | $-217.42MM | $-3.00MM |
| Financing Cash Flow | $172.10MM | $187.07MM | $-34.67MM |
| Earnings Per Share** | $2.68 | $2.45 | $3.11 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.