The First Bancorp, Inc.
General ticker "FNLC" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $283.7M (TTM average)
The First Bancorp, Inc. follows the US Stock Market performance with the rate: 47.7%.
Estimated limits based on current volatility of 1.3%: low 26.56$, high 27.27$
Factors to consider:
- Earnings expected soon, date: 2026-01-28 bmo
- Company pays dividends (quarterly): last record date 2025-10-06, amount 0.37$ (Y5.45%)
- Total employees count: 25 as of 1995
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Liquidity and credit risks, Economic downturns and volatility, Investment risks, Labor/talent shortage/retention, Technological challenges
- Price in estimated range
- Earnings for 9 months up through Q3 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 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [24.96$, 33.49$]
- 2025-12-31 to 2026-12-31 estimated range: [24.47$, 33.51$]
Financial Metrics affecting the FNLC estimates:
- Positive: with PPE of 11.2 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 19.70 > 18.33
- Negative: Shareholder equity ratio, % of 8.00 <= 19.35
- Positive: 6.63 < Operating cash flow per share per price, % of 8.69
- Positive: Industry operating cash flow per share per price (median), % of 10.65 > 10.14
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: -3.57 < Return on assets ratio (scaled to [-100,100]) of 0.85
Short-term FNLC quotes
Long-term FNLC plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $109.91MM | $143.62MM | $165.43MM |
| Operating Expenses | $62.52MM | $107.91MM | $132.84MM |
| Operating Income | $47.39MM | $35.70MM | $32.58MM |
| Interest Expense | $16.87MM | $62.97MM | $84.92MM |
| Income(Loss) | $47.39MM | $35.70MM | $32.58MM |
| Taxes | $8.40MM | $6.18MM | $5.54MM |
| Profit(Loss)* | $38.99MM | $29.52MM | $27.05MM |
| Stockholders Equity | $228.92MM | $243.08MM | $252.49MM |
| Assets | $2,739.18MM | $2,946.70MM | $3,157.01MM |
| Operating Cash Flow | $41.21MM | $36.92MM | $26.05MM |
| Capital expenditure | $1.40MM | $2.63MM | $1.48MM |
| Investing Cash Flow | $-247.58MM | $-199.81MM | $-217.42MM |
| Financing Cash Flow | $208.46MM | $172.10MM | $187.07MM |
| Earnings Per Share** | $3.57 | $2.68 | $2.45 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.