First Bancorp Inc.

FNLC | NASDAQ

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$34.80

-$0.38 (-1.08%)

At close: Sep 21, 2026, 4:00 PM ET

$34.80

$0 (0.00%)

After-hours: Sep 21, 2026, 7:30 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $392.4M

Enterprise Value $300.68M

Beta 0.48

Average Volume 29.95K

Shares Outstanding (Diluted) 11.24M

Shares Change YoY 0.52%

Institutional Ownership 44.82%

Exchange NASDAQ

ISIN US31866P1021

Price Performance

Price Change 1M 0.0%

Price Change 3M 2.8%

Price Change 6M 24.8%

Price Change YTD 31.7%

Price Change 1Y 30.1%

Price Change 3Y 49.5%

Price Change 5Y 19.1%

1M CAGR (ann.) -1.6%

1Y CAGR (ann.) 33.1%

5Y CAGR (ann.) 10.2%

All-Time CAGR 8.8%

Valuation

PE Ratio 10.33

Forward PE N/A

PEG Ratio 0.40

Forward PEG 0.40

PS Ratio 2.60

Forward PS N/A

PB Ratio 1.34

P/FCF Ratio 7.01

P/Adj. FCF Ratio 7.13

P/OCF Ratio 10.09

EV/Sales 1.99

EV/EBIT 7.25

EV/EBITDA 7.06

EV/FCF 5.37

Earnings Yield 9.7%

FCF Yield 14.3%

Adj. FCF Yield 14.0%

Financial Health

Net Cash $91.72M

Total Debt $214.07M

Cash & Short-Term Investments $305.79M

Total Assets $3.22B

Current Ratio 0.02

Quick Ratio 0.02

Debt / Equity Ratio 0.73

Debt / EBITDA 5.02

Debt / FCF 3.82

OCF / Debt 0.27

Interest Coverage 0.53

Altman Z-Score -0.78

Piotroski F-Score 6

Margins & Profitability

Gross Profit Margin 54.4%

Operating Profit Margin 27.5%

EBITDA Margin 24.7%

Net Profit Margin 21.7%

FCF Margin 37.1%

Adj. FCF Margin 36.5%

SBC / Revenue 0.4%

SBC Impact (per share) -1.7%

Returns

Return on Assets 1.2%

Return on Equity 13.3%

Return on Invested Capital 6.4%

Return on Capital Employed 12.9%

Return on Tangible Assets 1.2%

Historical Growth (CAGR)

Revenue CAGR 3Y 5.9%

Revenue CAGR 5Y 9.8%

Revenue CAGR 10Y 8.9%

EPS CAGR 3Y 2.5%

EPS CAGR 5Y 3.0%

EPS CAGR 10Y 7.8%

FCF CAGR 3Y 14.6%

FCF CAGR 5Y 10.8%

FCF CAGR 10Y 10.7%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 0

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 20, 2026

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $44.73

Graham Upside 28.5%

Lynch Fair Value $16.85

Lynch Upside -51.6%

Price Target N/A

Price Target Upside N/A

Cash Flow

Operating Cash Flow $58.41M

Free Cash Flow $56.01M

Adj. Free Cash Flow $55.04M

FCF Per Share $3.22

OCF Per Share $3.45

OCF/S Ratio 21.9%

Income Statement

Revenue $151.01M

Gross Profit $91.02M

Operating Income $41.49M

EBITDA $42.61M

Net Income $37.81M

EPS (Diluted) $3.37

Revenue / Employee $543.19K

Profit / Employee $136K

Employees 278

Dividends

Annual Dividend $1.49

Dividend Yield 4.28%

Payout Ratio 44.2%

FCF Payout Ratio 29.4%

Adj. FCF Payout Ratio 29.9%

Dividend Growth (YoY) 2.8%

Pay Frequency Quarterly

Ex-Dividend Date Jul 6, 2026