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FNLC

STRONG BUYFLAG

The First Bancorp, Inc. · Financial Services · United States · $394M · Avg Vol: $2M/d

93
StockRank
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Q
57
V
54
M
82
P/E (TTM)
10.6x
ROE
13.3%
D/E
0.5x
Dividend %
4.3%
Dir. Trades · 180d
+$43K →
Buybacks · 180d
$557K →
AI CONVICTION THESIS

The First Bancorp is a small Maine community bank with strong momentum (M82) but weak quality (Q57), reflecting net-interest-margin compression from deposit repricing. The token insider buying is immaterial. Nothing adverse is known on accounting, solvency or governance, so the default applies.

COMPANY DESCRIPTION

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)

Year2022202320242025CAGRTTM
Revenue93.0M80.6M80.5M94.8M0.6%96.0M
EPS3.562.682.453.10-4.5%3.24
Shares11.0M11.1M11.2M11.2M+1.6%11.3M
Debt39.1M20.1M95.0M137.5M52.1%200.9M
Equity228.9M243.1M252.5M283.1M7.3%—
Op CF41.2M36.9M26.0M37.8M-2.8%58.4M
Inv CF-247.6M-199.8M-217.4M-3.0M——
Fin CF208.5M172.1M187.1M-34.7M——
Loading 1Y...
PRICE (1Y)+14.6%
29.9131.3132.7234.1235.53Jun 11Jul 6Jul 24
SMA 50SMA 200
Close
$34.98
RSI (14)
51.4
52W High
$35.54
From 52W High
1.0%

SCORE BREAKDOWN

Quality
57
ROIC (ROA)
1.1%*40.8
ROE
13.3%68.2
GP/Assets
3.0%N/A
Op. Margin
46.8%68.1
FCF/Assets
1.8%N/A
Piotroski
565.2
Int. Cover
—50.0
D/E Ratio
0.49xN/A
Current Ratio
bankN/A
Value
54
P/E (TTM)
10.6x67.1
EV/EBITDA
bankN/A
P/FCF
7.0xN/A
P/B
1.4x40.6
P/S
4.0x46.9
Div Yield
4.3%55.2
Momentum
82
52W High %
98%83.4
RS 6M
23%91.6
SMA 50/200
1.13x84.2
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
27%61.5

FUNDAMENTALS

Market Cap
$394M
P/E (Forward)
—
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FNLC are excluded.

TickerCompanyMkt CapStockRankSignal
FNLCThe First Bancorp, Inc.(you)$394M93STRONG BUY
PKBKParke Bancorp, Inc.$394M93STRONG BUY
CZFSCitizens Financial Services, Inc.$360M91STRONG BUY
NEWTNewtekOne, Inc.$417M90STRONG BUY
RBBRBB Bancorp$446M89STRONG BUY
TSBKTimberland Bancorp, Inc.$343M86STRONG BUY
FDBCFidelity D & D Bancorp, Inc.$299M87STRONG BUY
FMAOFarmers & Merchants Bancorp, Inc.$426M83STRONG BUY
WTBAWest Bancorporation, Inc.$464M82STRONG BUY
FNRNFirst Northern Community Bancorp$300M84STRONG BUY

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

The First Bancorp, Inc. (FNLC) — Stock Score Summary

The First Bancorp, Inc. (FNLC) has a MoatMap StockRank of 93/100 based on Quality (57/100), Value (54/100), and Momentum (82/100) factor scores. The current signal is STRONG BUY. The First Bancorp is a small Maine community bank with strong momentum (M82) but weak quality (Q57), reflecting net-interest-margin compression from deposit repricing. The token insider buying is immaterial. Nothing adverse is known on accounting, solvency or governance, so the default applies.

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.

Key Financial Metrics

Price$34.98
Market Cap$394M
P/E (TTM)10.60
Price/Book1.35
Return on Equity13.3%
Debt/Equity0.49x
Operating Margin46.8%
Revenue Growth14.5%
Dividend Yield4.3%
Free Cash Flow$56M

The First Bancorp, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is The First Bancorp, Inc.’s (FNLC) StockRank?
MoatMap’s StockRank for The First Bancorp, Inc. (FNLC) is 93/100, with a Strong Buy signal. It is a composite of Quality (57), Value (54), and Momentum (82) factor ranks across MoatMap’s 20,000+ stock universe.
Does The First Bancorp, Inc. have an economic moat?
The First Bancorp, Inc. (FNLC) has a Quality factor score of 57/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is The First Bancorp, Inc. a buy, hold, or sell?
MoatMap’s current signal for The First Bancorp, Inc. (FNLC) is Strong Buy, based on a StockRank of 93/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is The First Bancorp, Inc. in?
The First Bancorp, Inc. (FNLC) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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