FIRST BANCORP INC (FNLC)
Financials · regional banks · NASDAQ
A Maine-based regional bank with a strong deposit base and real-estate-secured loan portfolio, delivering double-digit returns on equity and growing net interest margins.
What FIRST BANCORP INC does
The First Bancorp, Inc. is a bank holding company that operates through its banking subsidiary, The First National Bank in Damariscotta. It provides a range of community banking products and services, including various deposit products, consumer and commercial lending, and investment services primarily to individuals and businesses in Mid-Coast and Eastern Maine.
Themes: community banking, regional banking, commercial lending
Fundamentals
- Price$34.56 as of 2026-08-24 close
- Market cap$390M as of 2026-08-24
- 1-year return+27.7% 2025-08-22 close $27.06 → 2026-08-24 close $34.56
- P/E10.27 as of 2026-08-24
- Net margin+38.1% as of 2026-08-24
- ROE+13.3% as of 2026-08-24
- Debt / equity0.00 as of 2026-08-24
- Revenue growth (YoY)+40.1% as of 2026-08-24
- Beta0.54 as of 2026-08-24
- Last reported earnings2026-07-22 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +5.6%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How FNLC compares in its sector
- price-to-earnings ratiobottom 25% 513 covered Financials peers, as of 2026-08-24
- net profit margintop 10% 538 covered Financials peers, as of 2026-08-24
- operating margintop 25% 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- indicated dividend yieldtop 25% 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 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 17.9% 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 245 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 19, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 47, neither overbought (above 70) nor oversold (below 30). It made a new 20-day high about 16 trading days ago. It is 4.8% below its 52-week high (its highest price of the past year). Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 2% of the past ~6 months), which often precedes a bigger move. Trading volume is unusually light — only about 45% of its 30-day average.
Trend
8
| Distance from the 200-day | it is trading 17.9% above its 200-day average, the long-term trend line — a longer-term uptrend | +17.9% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $34.29 | $34.29 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $29.32 | $29.32 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing high 20 calendar days ago — the swings before that are what the structure reading is measured on | 20 sessions |
| Wave structure | its recent swings can be read as a completed five-part upward sequence — the pattern Elliott-wave chartists call an impulse — which on that reading would now be due a pullback rather than more of the same; the labelling fails if price closes above 36.3. It is the only labelling that fits, and it describes the swings already printed, not what comes next. | possible five-wave upward sequence, complete |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 245 trading days ago — a "golden cross", a bullish long-term signal | 245 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 19, below the 25 that marks a real trend) | 19.4 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 47, neither overbought (above 70) nor oversold (below 30) | 47.3 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($34.07 to $36.00) — 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. | 25.6 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 34 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 4.8% below its 52-week high (its highest price of the past year) | -4.8% |
| Above the 52-week low | it is 43.5% above its 52-week low (its lowest price of the past year) | +43.5% |
| Below the 52-week high | it is 4.8% below its highest point of the past year | 4.8% |
| Since a 20-day breakout | it made a new 20-day high about 16 trading days ago | 16 sessions |
| Since a 55-day breakout | it made a new 55-day high about 16 trading days ago | 16 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 $35.66), and it has given back only a small part of its rise from last year’s low — 10% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $28.13 to $28.50. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 9.5% |
| From the all-time high | it is 6.1% below its all-time high | -6.1% |
| Nearest price level | it is trading 4.4% below a resistance level at $36.08 — a price it turned at three times since 2026-06-29, most recently on 2026-08-13. Since 2024-08-26 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. | +4.4% |
| 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 220.9% above its all-time low | +220.9% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 2% of the past ~6 months), which often precedes a bigger move | 2nd percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.8865 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 | $0.8865 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $34.54 and $35.99 — 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 | $34.54 – $35.27 – $35.99 |
| 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 5.9 daily ranges above its 200-day average price (17.9% 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 | 5.9 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is unusually light — only about 45% of its 30-day average | 0.45× |
|---|
Candlestick patterns
1
| Since a doji | 4 sessions ago 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 | 4 sessions ago |
|---|
Price gaps
3
| Gap at the open | it opened on 2026-08-24 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% |
|---|---|---|
| Open gap | it gapped 4.1% above the previous close 49 sessions ago and has not traded back through the level it left behind at 29.63 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +4.1% |
| Gap filled | a 4.1% gap up opened on 2026-07-09 has been "filled" 32 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 32 sessions ago |
Price streaks
1
| Closing streak | it has closed lower 2 sessions in a row, a -1.37% move over the run — an unbroken run of down days, which describes what has already happened and says nothing about the next session | 2 sessions down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 4.5 percentage points (the stock lost 1.2% while the market gained 3.3%) | -4.5% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 18.5 percentage points (the stock gained 20.9% while the market gained 2.4%) | +18.5% |
| vs market, 6 months | over the past 6 months this stock beat the market by 12.9 percentage points (the stock gained 24.0% while the market gained 11.1%) | +12.9% |
| vs market, 12 months | over the past 12 months this stock beat the market by 9.4 percentage points (the stock gained 27.7% while the market gained 18.3%) | +9.4% |
Signal agreement
2
| Bullish technical signals | 4 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, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: MACD momentum is negative — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 4.5% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-17 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 3.7% of the share price. | +4.5% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 11% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $31.22 — a volume-weighted average of daily closes over 158 sessions, not a true tick-by-tick VWAP. | +10.7% |
|---|
Price levels it has turned at before
FNLC last closed at $34.56 on 2026-08-24. Since 2024-08-26 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 |
|---|---|---|---|
| $36.08 | Resistance | 4.4% above the last close | turned there three times · 2026-06-29 to 2026-08-13 |
| $32.85 | Support | 5.0% below the last close | turned there twice · 2026-07-13 to 2026-07-23 |
| $30.02 | Support | 13.1% below the last close | turned there four times · 2024-11-25 to 2026-05-08 |
| $28.40 | Support | 17.8% below the last close | turned there four times · 2025-12-18 to 2026-04-30 |
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 five-part upward sequence — what Elliott-wave chartists call an impulse — now complete.
This labelling fails — stops being a possible reading at all — if it closes above $36.30.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-24.
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 · in a Bollinger Band volatility squeeze · trendless / choppy (low ADX) · beating the market · Trading above the Ichimoku cloud · Completed Elliott five-wave sequences | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low · bollinger bands · volume and relative volume
Based on daily closing prices as of 2026-08-24. Describes past price behavior only — informational, not financial advice.
Key risks (from latest filing)
["Geographic concentration of loan portfolio in Maine, making the bank highly susceptible to regional economic downturns.","Sensitivity to interest rate fluctuations, which can negatively impact net interest margin and profitability.","Potential legal and financial costs associated with the state's lengthy residential mortgage foreclosure process."]
What changed in the latest 10-Q
AI-assisted comparison of FNLC's 10-Q filed 2026-05-08 against the prior one filed 2025-11-07.
Management's Discussion & Analysis (MD&A)
- Added:
- Added 'Risks and Uncertainties' section describing military actions against Iran, subsequent retaliation, modest interest rate increases, equity market drops to near correction territory before rebounding, increased fuel prices, inflation speculation, and change in FOMC rate cut expectations from several cuts to none in 2026 (filed 2026-05-08)
- Added investment securities table as of March 31, 2026 (filed 2026-05-08)
- Added disclosure that municipal securities within HTM include two private activity bonds with total balances of $18,220,000 as of March 31, 2026 (filed 2026-05-08)
- Added disclosure that corporate securities in HTM consist of 11 individual companies in the banking industry (filed 2026-05-08)
- Added ACL for HTM securities of $145,000 as of March 31, 2026 (filed 2026-05-08)
- Removed:
- Removed 'Risks and Uncertainties' section text describing trade disputes, Russia-Ukraine conflict, Israel-Hamas conflict, trade agreements, U.S. government partial shutdown, and FOMC rate cuts in September and October (filed 2025-11-07)
- Removed investment securities table as of September 30, 2025 (filed 2025-11-07)
- Removed disclosure that municipal securities within HTM include two private activity bonds with total balances of $18,536,000 as of September 30, 2025 (filed 2025-11-07)
- Removed disclosure that corporate securities in HTM consist of 14 individual companies in the banking industry (filed 2025-11-07)
- Removed ACL for HTM securities of $186,000 as of September 30, 2025 (filed 2025-11-07)
- Reworded:
- 'Subsequent Events' date changed from 'September 30, 2025' to 'March 31, 2026' (filed 2026-05-08)
- Investment securities tables now show March 31, 2026, December 31, 2025, and March 31, 2025 comparative periods instead of September 30, 2025, December 31, 2024, and September 30, 2024 (filed 2026-05-08)
- Notes:
- The older filing text for the 'Allowance for Credit Losses' section appears to be truncated at 'Manag' and does not include the complete corporate securities disclosure or ACL amounts for September 30, 2025, making a full comparison difficult for that portion
Risk Factors
- Added:
- Newer filing (2026-05-08) presents financial data for three months ended March 31, 2026 and March 31, 2025 only
- Newer filing shows Interest Income of $39,139,000 for Q1 2026 vs $38,709,000 for Q1 2025
- Newer filing shows Net Income of $8,993,000 for Q1 2026 vs $7,077,000 for Q1 2025
- Newer filing reports Non-Performing Loans to Total Loans of 0.67% at March 31, 2026 vs 0.25% at March 31, 2025
- Newer filing reports Non-Performing Assets to Total Assets of 0.51% at March 31, 2026 vs 0.19% at March 31, 2025
- Newer filing shows Total Assets of $3,200,763,000 at March 31, 2026 vs $3,187,372,000 at March 31, 2025
- Newer filing auditor name is 'BDMP Assurance, LLP' with review date May 8, 2026
- Newer filing shows Consolidated Balance Sheet as of March 31, 2026, December 31, 2025, and March 31, 2025
- Removed:
- Older filing (2025-11-07) presented financial data for nine months ended September 30, 2025 and 2024, and quarterly data for quarter ended September 30, 2025 and 2024
- Older filing showed Interest Income of $119,539,000 for nine months ended September 30, 2025
- Older filing showed Net Income of $24,222,000 for nine months ended September 30, 2025
- Older filing reported Non-Performing Loans to Total Loans of 0.40% at September 30, 2025
- Older filing reported Non-Performing Assets to Total Assets of 0.30% at September 30, 2025
- Older filing showed Total Assets of $3,198,478,000 at September 30, 2025
- Older filing auditor name was 'Berry Dunn McNeil & Parker, LLC' with review date November 7, 2025
- Older filing presented Consolidated Balance Sheet as of September 30, 2025, December 31, 2024, and September 30, 2024
- Reworded:
- Auditor changed from 'Berry Dunn McNeil & Parker, LLC' (filed 2025-11-07) to 'BDMP Assurance, LLP' (filed 2026-05-08)
- Financial period changed from nine-month and quarterly data ending September 30 to three-month data ending March 31
- Balance sheet comparison periods changed from September 30, 2025 / December 31, 2024 / September 30, 2024 to March 31, 2026 / December 31, 2025 / March 31, 2025
- Notes:
- The two filings cover different reporting periods (Q1 2026 vs nine-month 2025) so most numerical differences reflect timing rather than operational changes
- Text of newer filing appears truncated in the Consolidated Statements of Income section, ending mid-row
- Text of older filing appears truncated in the Consolidated Statements of Income section, ending mid-entry
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.
- Last 30 days0 buys · 1 sell ($183144) — 1 selling insider
- Last 90 days0 buys · 1 sell ($183144) — 1 selling insider
- Last 180 days2 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. As of 2026-08-25.
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)
4 institutional 13F filers reported holding FNLC as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 1,179,281
- Reported value $33,055,248
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 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.
Short interest (FINRA)
FNLC had 121,538 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
FNLC had 1.08% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 3.05 days to cover at the same settlement.
- Reported short interest (shares) 121,538
- Short interest (% of shares outstanding) 1.08%
- Prior settlement (shares) 114,349
- Reported change 6.29%
- Days to cover (reported) 3.05
Reported to FINRA as of the 2026-07-31 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 (BNKU)
- Bar Harbor Bankshares (BHB)
- Camden National Corporation (CAC)
- Norway Bancorp (NBNK)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare FNLC vs…
Frequently asked questions
What does FIRST BANCORP INC (FNLC) do?
The First Bancorp, Inc. is a bank holding company that operates through its banking subsidiary, The First National Bank in Damariscotta. It provides a range of community banking products and services, including various deposit products, consumer and commercial lending, and investment services primarily to individuals and businesses in Mid-Coast and Eastern Maine.
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 5.61% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). 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 Norway 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 47, in the neutral middle (as of 2026-08-24). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on FNLC come from?
Fundamentals and prices come from market data, as of 2026-08-24; 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: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-24.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.