FNLC

First Bancorp Inc

FNLC.US thefirst.com + Research + Basket
CIK 0000765207
Employees 278
Phone 207 563 3195
Fiscal year end December
IPO Jul 15, 1999
Address 223 Main Street, Damariscotta, ME, United States, 04543
36.56
+0.28 (+0.77%)
USD · NASDAQ
52-week range
23.24
36.97
Trading at 97% of the 52-week range
Market Cap
409.44M
P/E Ratio
10.40
Forward P/E
12.20
Book Value
25.53
Div. Yield
4.12%
% Institutions
54.16%
% Insiders
4.88%

1 Year

+56.8%

3 Year

+83.6%

10 Year

+147.7%
Description

The First Bancorp, Inc. operates as the bank holding company for First National Bank that provides a range of banking products and services to individual and corporate customers. It accepts various deposit products, including demand, NOW, time, savings, money market, and certificates of deposit accounts. The company also provides commercial loans, such as mortgage loans to finance investments in real property, which includes retail spaces, 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 loans for financing working capital and/or capital investment. In addition, it offers commercial multifamily loans; residential real estate term and 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, as well as brokerage, annuity, and various insurance products. 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.

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People

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Directors & Officers

Name Title Year Born
Mr. Tony C. McKim President, CEO & Director 1967
Mr. Richard M. Elder Executive VP, CFO & Treasurer 1965
Mr. Brad A. Martin Executive VP & Chief Information Officer 1984
Mr. Christopher J. Austin Chief Legal Counsel & Executive VP 1974

Insider Trading

Open insider trading
Date Insider Name Title Transaction Type Shares Price Value SEC
Aug 19, 2025 Sarah Tolman N/A Sale 175.00 $26.03 $4.56K SEC
Apr 28, 2025 Ingrid Wilbur Kachmar N/A Purchase 4.00K $24.10 $96.40K SEC

Shareholders

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Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 906.03K Jun 30, 2026 8.03% $0.00 5.83%
First Bancorp, Inc /ME/ 738.40K Jun 30, 2026 6.54% $10.15 -0.42%
Dimensional Fund Advisors, Inc. 459.54K Jun 30, 2026 4.07% $0.00 -0.04%
Vanguard Capital Management, LLC 436.53K Jun 30, 2026 3.87% $0.00 7.48%
Manufacturers Life Insurance Co 375.64K Jun 30, 2026 3.33% $0.01 -0.63%
Geode Capital Management, LLC 263.48K Jun 30, 2026 2.33% $0.00 9.79%
State Street Corp 227.62K Jun 30, 2026 2.02% $0.00 1.58%
Morgan Stanley - Brokerage Accounts 183.59K Jun 30, 2026 1.63% $0.00 -2.70%
Renaissance Technologies Corp 93.36K Jun 30, 2026 0.83% $0.00 -4.80%
Northern Trust Corp 85.97K Jun 30, 2026 0.76% $0.00 1.80%
The Goldman Sachs Group Inc 75.39K Jun 30, 2026 0.67% $0.00 -10.23%
Vanguard Portfolio Management, LLC 73.98K Jun 30, 2026 0.66% $0.00 19.59%
Quantinno Capital Management LP 72.00K Jun 30, 2026 0.64% $0.00 29.51%
CSM Advisors, LLC 65.89K Jun 30, 2026 0.58% $0.05 -0.10%
The Colony Group LLC 64.33K Jun 30, 2026 0.57% $0.00 3.40%
Vanguard Fiduciary Trust Co 60.16K Jun 30, 2026 0.53% $0.00 1.29%
Coston, McIsaac & Partners 52.97K Jun 30, 2026 0.47% $0.37 4.48%
Royal Bank of Canada 51.40K Jun 30, 2026 0.46% $0.00 -3.96%
Bank of New York Mellon Corp 49.37K Jun 30, 2026 0.44% $0.00 3.13%
Bridgeway Capital Management, LLC 45.15K Jun 30, 2026 0.40% $0.03 32.20%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 Vanguard MStar Total Stk Mkt Idx Invest 319.79K 2.83% ▼ 0.73% Sep 30, 2026
2 iShares Russell 2000 ETF 303.66K 2.69% ▼ 1.15% Sep 30, 2026
3 JH Financial Opportunities 226.17K 2.00% ▲ 0.00% Aug 31, 2026
4 Avantis US Small Cap Value ETF 144.20K 1.28% ▲ 0.70% Sep 30, 2026
5 JHancock Regional Bank A 130.17K 1.15% ▲ 0.00% Aug 31, 2026
6 Fidelity Small Cap Index 122.98K 1.09% ▲ 0.41% Jul 31, 2026
7 iShares Russell 2000 Value ETF 110.06K 0.98% ▲ 0.15% Sep 30, 2026
8 BSF Systematic US Eq Abs Ret A2 USD 92.56K 0.82% ▼ 5.48% Dec 31, 2025
9 DFA US Targeted Value I 78.66K 0.70% ▲ 0.00% Aug 31, 2026
10 Dimensional US Targeted Value ETF 66.79K 0.59% ▲ 0.02% Sep 30, 2026

Financial Highlights

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Market Cap: $409.44M
P/E Ratio: $10.40
PEG Ratio: $0.00
Book Value: $25.53
Dividend/Share: $1.50
Dividend Yield: 4.12%
Earnings/Share: $3.49
Profit Margin: 38.82%
Operating Margin: 51.27%
ROA (TTM): 1.22%
ROE (TTM): 14.00%
Revenue (TTM): $101.48M
Revenue/Share (TTM): $9.12
Earnings Growth (YOY): 17.30%
Revenue Growth (YOY): 11.20%

Valuation Metrics

Enterprise Value: $519.33M
Trailing P/E: 10.40
Forward P/E: 12.20

Shares Statistics

Shares Outstanding: 11.29M
Shares Float: 10.68M
% Insiders: 4.88%
% Institutions: 54.16%
Shares Short: 149.22K
Shares Short (Prior Month): 147.42K
Short Ratio: 3.36
Short % Float: 1.41%

Stock Price History

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1 Year Price History

3 Years Price History

10 Years Price History

Max Price History

Financial Charts

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Open balance sheet Open capital intensity Download Financials (Excel)

Revenue, Net Income & Operating Cash Flow (Yearly)

Change % vs Prior Year

Revenue, Net Income & Operating Cash Flow (Quarterly)

Change % vs Prior Quarter

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Income Statement Waterfall

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Open full waterfall Open balance sheet
Line Item
Step Type
Value
Revenue
adjust
$177.61M
Cost of Goods Sold
adjust
$-84.74M
Gross Profit
subtotal
$92.87M
SG&A
adjust
$-36.27M
Other Operating Expense
adjust
$-14.66M
Operating Income
subtotal
$41.94M
Other / Non-Operating Items
adjust
$-7.55M
Net Income
subtotal
$34.39M

Earnings Per Share (EPS) History

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Financial Ratios

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📦 Raw API Data (JSON Explorer)

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