FIRST BANCORP INC (FNLC)
Financials · regional banks · NASDAQ
A Maine-based bank holding company providing comprehensive commercial and retail banking services with a strong focus on community wealth management.
What FIRST BANCORP INC does
The First Bancorp is the bank holding company for First National Bank, providing a range of financial services primarily in Mid-Coast and Eastern Maine. Its offerings include commercial and retail banking, mortgage lending, and wealth management services. The company funds its operations primarily through customer deposits, borrowings, and wholesale funding sources.
Recent developments
Reported Q2 2026 net income of $9.6 million, an 18.6% increase YoY, driven by net interest margin expansion to 2.88% and wealth management revenue growth. The company also announced a quarterly shareholder dividend increase to $0.38 per share.
From FIRST BANCORP INC's filing of 2026-08-07.
Themes: community banking, wealth management, ESG investing, net interest margin expansion, regional economic dependency
Fundamentals
- Price$33.44 as of 2026-10-08 close
- Market cap$377M as of 2026-08-01 (share count; price 2026-10-08)
- 1-year return+33.6% 2025-10-08 close $25.03 → 2026-10-08 close $33.44
- P/E9.94 as of 2026-10-08
- ROE+13.2% FY2025, SEC XBRL
- Debt / equity0.00 as of 2026-09-03
- Revenue growth (YoY)+40.1% as of 2026-09-03
- Beta0.51 as of 2026-09-03
- Last reported earnings2026-07-22 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +4.3%; 9-year non-decreasing per-share dividend streak (SEC XBRL).
How FNLC compares in its sector
- price-to-earnings ratiobottom 25% 513 covered Financials peers, as of 2026-10-08
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-03
- indicated dividend yieldtop 25% 468 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, FNLC's dividend was covered by reported results (earnings payout 48%, free-cash-flow payout 47%). This describes past coverage, not a forecast.
- Earnings payout48% dividends / net income
- Free-cash-flow payout47% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How FIRST BANCORP INC looks technically
FIRST BANCORP INC (FNLC) is trading 8.9% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 277 trading days ago — a "golden cross", a bullish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 35, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 40, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 2 trading days ago.
Trend
8
| Distance from the 200-day | it is trading 8.9% above its 200-day average, the long-term trend line — a longer-term uptrend | +8.9% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $34.75 | $34.75 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $30.70 | $30.70 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing high 22 calendar days ago — the swings before that are what the structure reading is measured on | 22 sessions |
| Wave structure | its recent swings can be read as a completed three-part upward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes above 35.83. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave upward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 277 trading days ago — a "golden cross", a bullish long-term signal | 277 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 35, with sellers in control | 34.5 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 40, neither overbought (above 70) nor oversold (below 30) | 39.8 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($32.74 to $35.42) — its "stochastic" reading is 26 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 26.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 14 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $36.30 | $36.30 |
|---|---|---|
| From the 52-week high | it is 7.9% below its 52-week high (its highest price of the past year) | -7.9% |
| Above the 52-week low | it is 38.9% above its 52-week low (its lowest price of the past year) | +38.9% |
| Below the 52-week high | it is 7.9% below its highest point of the past year | 7.9% |
| Since a 20-day breakout | it made a new 20-day low about 2 trading days ago | 2 sessions |
| Since a 55-day breakout | it made a new 55-day low about 2 trading days ago | 2 sessions |
| All-time high | its highest closing price on record is $36.80 (set on 2022-01-18) | $36.80 |
| Given back of the 52-week move | over the past year its closes ranged ($24.08 to $35.68), and it has given back roughly a quarter of its rise from last year’s low — 19% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $28.14 to $28.51. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 19.3% |
| From the all-time high | it is 9.1% below its all-time high | -9.1% |
| Nearest price level | it is trading 1.8% above a support level at $32.85 — a price it turned at twice since 2026-07-13, most recently on 2026-07-23. Since 2024-10-08 it has 10 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -1.8% |
| All-time low | its lowest closing price on record is $10.77 (set on 2009-03-05) | $10.77 |
| Above the all-time low | it is 210.5% above its all-time low | +210.5% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 61st percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.8698 between its high and its low — about 2.6% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.8698 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $33.00 and $35.73 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $33.00 – $34.36 – $35.73 |
| Typical daily range (% of price) | its price moves about 2.6% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.6% |
| Stretch from the 200-day average | it is trading 3.2 daily ranges above its 200-day average price (8.9% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 3.2 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.79× |
|---|
Candlestick patterns
2
| Since a doji | today it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | today |
|---|---|---|
| Since a hammer | 3 sessions ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 3 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-10-08 0.2% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.2% |
|---|---|---|
| Gap filled | a 2.2% gap up opened on 2026-09-02 has been "filled" 11 sessions ago — price traded back through the level the gap left behind, and it took 14 sessions to close | 11 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 4.3 percentage points (the stock lost 3.3% while the market gained 1.0%) | -4.3% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 3.2 percentage points (the stock gained 0.6% while the market gained 3.8%) | -3.2% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 1.1 percentage points (the stock gained 16.3% while the market gained 17.5%) | -1.1% |
| vs market, 12 months | over the past 12 months this stock beat the market by 18.6 percentage points (the stock gained 33.6% while the market gained 15.0%) | +18.6% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bearish state: a fresh 20-day low, MACD momentum is negative, a strong downtrend, with sellers in control, lagging the market over 6 months — these describe past price behaviour, not a forecast | 4 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is moderate, spanning 5.3% of the share price. | 0.0% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 5% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $31.97 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP. | +4.6% |
|---|
Price levels it has turned at before
FNLC last closed at $33.44 on 2026-10-08. Since 2024-10-08 it has turned at 10 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $32.85 | Support | 1.8% below the last close | turned there twice · 2026-07-13 to 2026-07-23 |
| $36.02 | Resistance | 7.7% above the last close | turned there four times · 2026-06-29 to 2026-09-16 |
| $30.02 | Support | 10.2% below the last close | turned there four times · 2024-11-25 to 2026-05-08 |
| $28.34 | Support | 15.3% below the last close | turned there five times · 2025-12-18 to 2026-06-02 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part upward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes above $35.83.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
This reading has stood for 12 trading days, since 2026-09-23.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Broke down to a new 20-day low · Printed a doji candle · Trading inside the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · breakout
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Key risks (from latest filing)
["Geographic concentration risk in the Maine real estate market, which impacts loan portfolio quality and collateral values.","Interest rate volatility and its impact on net interest margin and the value of the investment portfolio.","Liquidity risk and potential inability to access sufficient funding sources in the competitive local deposit market."]
What changed in the latest 10-Q
AI-assisted comparison of FNLC's 10-Q filed 2026-08-07 against the prior one filed 2026-05-08.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing adds a table showing investment securities at June 30, 2026, which is not present in the older filing.
- Newer filing adds a table showing investment securities at June 30, 2025, which is not present in the older filing.
- Newer filing adds text: 'and have stabilized as the conflict has de-escalated somewhat, but not yet achieved full resolution' in Risks and Uncertainties.
- Newer filing adds text: 'The newly confirmed Chair of the Federal Reserve has committed to study a number of reforms. Ultimate economic impacts...' in Risks and Uncertainties.
- Newer filing adds sentence: 'Events occurring subsequent to June 30, 2026, have been evaluated as to their potential impact to the financial statements.'
- Removed:
- Older filing's table showing investment securities at March 31, 2026, is not present in the newer filing.
- Older filing's table showing investment securities at March 31, 2025, is not present in the newer filing.
- Older filing's text: 'The duration of the Iran conflict is unknown and economic impacts difficult to measure. Any or all of the foregoing could ultimately...' is not present in the newer filing.
- Older filing's sentence: 'Events occurring subsequent to March 31, 2026, have been evaluated as to their potential impact to the financial statements.' is not present in the newer filing.
- Older filing's final ACL sentence: 'As of March 31, 2026 and 2025, and December 31, 2025, the total ACL for HTM securities was $145,000, $197,000 and $146,000, respectively.' is not present in the newer filing.
- Reworded:
- Risks and Uncertainties: older filing states FOMC expectation changed 'to none' for rate cuts in 2026; newer filing states expectation changed 'to an expectation for modest increases'.
- Risks and Uncertainties: older filing says markets 'have experienced heightened volatility'; newer filing says markets 'experienced heightened volatility' and adds stabilization language.
- Private activity bond total balance changed from $18,220,000 as of March 31, 2026 in older filing to $18,065,000 as of June 30, 2026 in newer filing.
- Older filing's closing ACL statement 'an immaterial ACL has been established' is not present in newer filing text, which ends with 'Aggregate credit risk... considered very low and' (truncated).
- Notes:
- Newer filing MD&A text appears truncated after 'Aggregate credit risk of the private activity bonds and corporate securities is considered very low and', so subsequent ACL discussion may be missing from comparison.
- Comparisons involving numeric tables reflect period-end date changes (June 30, 2026 vs March 31, 2026) and corresponding prior-year comparative periods; differences in numbers are not individually itemized.
Risk Factors
- Added:
- In the newer filing (2026-08-07), the repurchase table for the six months ended June 30, 2026 adds rows for April 2026 (243 shares at $28.97), May 2026 (no shares), and June 2026 (486 shares at $29.91).
- In the newer filing (2026-08-07), the repurchase table totals show a total of 10,906 shares purchased at an average price of $29.36.
- In the newer filing (2026-08-07), Exhibit 3.8 is added: "Conformed Copy of the Company's Bylaws, furnished within."
- Removed:
- In the older filing (2026-05-08), the repurchase table for the three months ended March 31, 2026 includes rows for April 2025 through December 2025 (all zero shares) that are not present in the newer filing.
- In the older filing (2026-05-08), the repurchase table totals show a total of 10,177 shares purchased at an average price of $29.29, which are not present in the newer filing.
- Reworded:
- In the older filing (2026-05-08), the repurchase table is described as covering "the three months ended March 31, 2026"; in the newer filing (2026-08-07), it is described as covering "the six months ended June 30, 2026."
- In the older filing (2026-05-08), Exhibit 3.7 is referenced as "Exhibit 3.7 to the Company's Form 8-K filed under item 5.03 on May 1, 2026"; in the newer filing (2026-08-07), it is referenced as "Exhibit 3.7 to the Company's Form 8-K /A filed under item 5.03 on May 18, 2026."
- The signature dates in the newer filing (2026-08-07) are August 7, 2026; in the older filing (2026-05-08) they are May 8, 2026.
- Notes:
- The provided texts include other items beyond the Risk Factors section (Items 2 through 6 and signatures); however, the Risk Factors text itself (Item 1A) is identical in both filings.
- The comparison includes changes in the repurchase tables and exhibit lists because they appear within the provided source texts, though they are outside the Risk Factors section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 1 open-market sale by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 90 days · read to 2026-10-040 buys · 1 sell ($183144) — 1 selling insider
- Last 180 days · read to 2026-10-042 buys ($43030) · 1 sell ($183144) — 1 buying, 1 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-07-28. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about FNLC's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding FNLC as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 1,277,573
- Reported value $44,485,104
reported quarterly holdings change (2026-03-31 → 2026-06-30): 1 new, 2 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about FNLC's institutional holders → See what each manager we track holds →
Short interest (FINRA)
FNLC had 160,270 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
FNLC had 1.42% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 6.75 days to cover at the same settlement.
- Reported short interest (shares) 160,270
- Short interest (% of shares outstanding) 1.42%
- Prior settlement (shares) 140,836
- Reported change 13.8%
- Days to cover (reported) 6.75
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Bangor Bancorp (BNGR)
- Bar Harbor Bankshares (BHB)
- Camden National Corporation (CAC)
- Community Bancorp (CMTV)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does FIRST BANCORP INC (FNLC) do?
The First Bancorp is the bank holding company for First National Bank, providing a range of financial services primarily in Mid-Coast and Eastern Maine. Its offerings include commercial and retail banking, mortgage lending, and wealth management services. The company funds its operations primarily through customer deposits, borrowings, and wholesale funding sources.
What sector is FIRST BANCORP INC (FNLC) in?
FIRST BANCORP INC (FNLC) is classified in the Financials sector. Its industry is regional banks. It trades on NASDAQ.
Does FNLC pay a dividend?
Yes — FIRST BANCORP INC (FNLC) pays a dividend, with an indicated yield of about 4.32% and 9-year non-decreasing per-share dividend streak (SEC EDGAR XBRL) (market data, as of 2026-09-03). Informational only — not financial advice.
Who are FIRST BANCORP INC's (FNLC) competitors?
Notable peers of FIRST BANCORP INC (FNLC) include Bangor Bancorp, Bar Harbor Bankshares, Camden National Corporation and Community Bancorp. This peer set is informational only — not financial advice.
Is FIRST BANCORP INC (FNLC) overbought or oversold right now?
FIRST BANCORP INC (FNLC) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 40, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on FNLC come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.