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

The First Bancorp, Inc. (FNLC) has a MoatMap StockRank of 74/100 based on Quality (44/100), Value (46/100), and Momentum (68/100) factor scores. The current signal is BUY. The First Bancorp is a small community bank based in Maine. It lacks the scale, technological moat, and national footprint to generate asymmetric returns, and is highly exposed to localized economic conditions without any macro tailwinds.

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$30.06
Market Cap$329M
P/E (TTM)9.05
Price/Book1.15
Return on Equity13.3%
Gross Margin0.0%
Operating Margin46.8%
Revenue Growth14.5%
Dividend Yield5.0%

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 74/100, with a Buy signal. It is a composite of Quality (44), Value (46), and Momentum (68) factor ranks across MoatMap’s 19,000+ stock universe.
Does The First Bancorp, Inc. have an economic moat?
The First Bancorp, Inc. (FNLC) has a Quality factor score of 44/100. 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 Buy, based on a StockRank of 74/100. 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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