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FNLC

Strong BuyFull HouseFLAG

The First Bancorp, Inc. · Financial Services · United States · $392M · Avg Vol: $862K/d

89
StockRank
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Q
58
V
54
M
77
P/E (TTM)
10.4x
ROE
13.5%
D/E
0.5x
Dividend %
4.3%
Dir. Trades · 180d
+$43K · −$183.1K →
Buybacks · 180d
$576K →
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%98.8M
EPS3.562.682.453.10-4.5%3.37
Shares11.0M11.1M11.2M11.2M+1.6%11.3M
Debt39.1M20.1M95.0M137.5M52.1%218.8M
Equity228.9M243.1M252.5M283.1M7.3%—
Op CF41.2M36.9M26.0M37.8M-2.8%38.1M
Inv CF-247.6M-199.8M-217.4M-3.0M——
Fin CF208.5M172.1M187.1M-34.7M——
Loading 1Y...
PRICE (1Y)-0.4%
33.9534.3834.8135.2335.66Jul 31Aug 21Sep 11
SMA 50SMA 200

Close
$34.95
RSI (14)
52.8
52W High
$36.30
From 52W High
1.0%

SCORE BREAKDOWN

Quality
58
ROIC (ROA)
1.2%*40.6
ROE
13.5%67.8
GP/Assets
3.1%N/A
Op. Margin
48.7%68.4
FCF/Assets
1.8%N/A
Piotroski
567.4
Int. Cover
—50.0
D/E Ratio
0.49xN/A
Current Ratio
bankN/A
Value
54
P/E (TTM)
10.4x65.7
EV/EBITDA
bankN/A
P/FCF
7.0xN/A
P/B
1.4x42.7
P/S
4.0x44.6
Div Yield
4.3%57.1
Momentum
77
52W High %
96%80.9
RS 6M
16%79.8
SMA 50/200
1.17x90.3
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
19%50.5

FUNDAMENTALS

Market Cap
$392M
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)$392M89Strong Buy
CZFSCitizens Financial Services, Inc.$390M90Strong Buy
FRSTPrimis Financial Corp.$397M84Strong Buy
PBAMPrivate Bancorp of America, Inc.$508M89Strong Buy
FDBCFidelity D & D Bancorp, Inc.$312M90Strong Buy
PKBKParke Bancorp, Inc.$400M96Strong Buy
FMAOFarmers & Merchants Bancorp, Inc.$472M84Strong Buy
NWFLNorwood Financial Corp.$372M81Strong Buy
MVBFMVB Financial Corp.$394M80Buy
HWBKHawthorn Bancshares, Inc.$270M87Strong Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

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

The First Bancorp, Inc. (FNLC) has a MoatMap StockRank of 89/100 based on Quality (58/100), Value (54/100), and Momentum (77/100) 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$34.95
Market Cap$392M
P/E (TTM)10.43
Price/Book1.35
Return on Equity13.5%
Debt/Equity0.49x
Operating Margin48.7%
Revenue Growth12.9%
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 89/100, with a Strong Buy signal. It is a composite of Quality (58), Value (54), and Momentum (77) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does The First Bancorp, Inc. have an economic moat?
The First Bancorp, Inc. (FNLC) has a Quality factor score of 58/100. 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 89/100. 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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