FNLC
Full HouseThe First Bancorp, Inc. · Financial Services · United States · $410M cap · $1.4M/day traded
$36.78 -0.2% · close 12 Nov · scored 13 Nov
Full House: Strong business, sensible price, and the market agrees.
As of 13 Nov 2026, the MoatMap Score for The First Bancorp, Inc. (FNLC) is 90/100, ranked against 25,000+ stocks in 38 markets (Quality 60, Value 52, Momentum 81, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT THE FIRST BANCORP, INC.
Read
The First Bancorp, Inc. is a bank holding company operating The First National Bank of Damariscotta, providing comprehensive banking and financial services to individuals and businesses across Maine. As a community bank, it differentiates itself through personalized customer service and deep local market knowledge, fostering strong client relationships. Its focus on local communities provides a stable deposit base and lending opportunities.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 93.0M | 80.6M | 80.5M | 94.8M | 0.6% | 101.5M |
| EPS | 3.56 | 2.68 | 2.45 | 3.10 | -4.5% | 3.50 |
| Shares | 11.0M | 11.1M | 11.2M | 11.2M | +1.6% | 11.3M |
| Debt | 39.1M | 20.1M | 95.0M | 137.5M | 52.1% | 144.9M |
| Equity | 228.9M | 243.1M | 252.5M | 283.1M | 7.3% | — |
| Op CF | 41.2M | 36.9M | 26.0M | 37.8M | -2.8% | 37.8M |
| Inv CF | -247.6M | -199.8M | -217.4M | -3.0M | — | — |
| Fin CF | 208.5M | 172.1M | 187.1M | -34.7M | — | — |
Above its 200-day average and 4% below its 52-week high.
Calmer than 82% of stocks we rank over the past year (volatility 25% a year).
How this is worked out
The Price check reads only the chart, the price side of the Momentum score in words; it is not the MoatMap Score.
- Still falling: It set a new 52-week low in the last two weeks, after a deep fall.
- Finding a floor: It fell hard, but has set no new low for more than two weeks.
- Turning up: It has climbed off its low and is back above a rising 50-day average.
- In an uptrend (this stock): It is near its 52-week high and above its 200-day average.
- No clear trend: None of the above: no recent deep fall and no steady climb.
- No read yet: Not enough price history yet: it needs a year of trading.
In past US falls, waiting for Turning up cut the chance of another 20% drop from 42% to 33%. Returns were no better, and 33% of turns failed.
The exact rules
Still falling is a new 52-week low in the last two weeks, at least 25% below the high, with the low set after the high. Finding a floor is the same fall with no new low in the last two weeks. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average, with the 50-day average above the 200-day, and within 15% of the high. No clear trend is everything else. No read yet is under 252 trading days of history, or missing data. A new state shows once it has held for three trading days.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FNLC are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| FNLC | The First Bancorp, Inc.(you) | $410M | 90 |
| PKBK | Parke Bancorp, Inc. | $391M | 91 |
| CHMG | Chemung Financial Corporation | $404M | 84 |
| PCB | PCB Bancorp | $402M | 84 |
| CZFS | Citizens Financial Services, Inc. | $407M | 83 |
| CBNA | Chain Bridge Bancorp, Inc. | $335M | 87 |
| PBAM | Private Bancorp of America, Inc. | $492M | 86 |
| FMAO | Farmers & Merchants Bancorp, Inc. | $503M | 86 |
| FDBC | Fidelity D & D Bancorp, Inc. | $375M | 83 |
| NECB | Northeast Community Bancorp, Inc. | $382M | 82 |
Peer medians: ROE 9.6% · P/E 12.8x · Gross margin 71.0%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.