First Bancorp, Inc /ME/
FNLC Nasdaq· National Commercial Banks
Last close · Oct 23, 2026
$36.36
KIRA · Stoqly’s AI analyst, in plain words
- First Bancorp, Inc /ME/ had $94.7M of revenue in fiscal 2025, up 18.0% on the year before. Over five years, revenue changed +4.0% a year on average.
- First Bancorp, Inc /ME/ made $34.4M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 7.1% a year.
- First Bancorp, Inc /ME/ returned $16.6M to shareholders in fiscal 2025, 48% of free cash flow. The diluted share count rose 0.6%.
- It earned 12.8% on shareholders’ money. Running costs took 53.8% of revenue (the efficiency ratio; lower is better).
Market cap
$410M
P/E
10.8x
Revenue
$94.7M
Net income
$34.4M
Return on equity
12.8%
Efficiency ratio
53.8%
First Bancorp, Inc /ME/ in 30 seconds · fiscal 2025
Are sales growing?
+18.0%
Yes. Sales grew 18.0% last year.
Does it make a profit?
36.3%
Yes. It keeps 36.3% of every sale as profit.
How lean are its costs?
53.8%
Lean. Running costs take 53.8% of revenue.
How much does it earn on its capital?
12.8%
Good. It earns 12.8% a year on shareholders’ money.
How is the share priced?
10.8x
One share costs 10.8 times its yearly profit per share.
What First Bancorp, Inc /ME/ does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 6, 2026
- Legal name
- First Bancorp, Inc /ME/
- CIK
- 0000765207
First Bancorp, Inc /ME/ · FNLC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $85.7M | $93.0M | $80.6M | $80.3M | $94.7M |
| Revenue growth | 9.9% | 8.6% | −13.3% | −0.5% | 18.0% |
| Net interest income | $66.3M | $76.2M | $65.2M | $63.9M | $77.4M |
| Net income | $36.3M | $39.0M | $29.5M | $27.0M | $34.4M |
| Net margin | 42.3% | 41.9% | 36.6% | 33.7% | 36.3% |
| Diluted EPS | $3.30 | $3.53 | $2.66 | $2.43 | $3.07 |
| Cash | |||||
| Cash from operations | $56.7M | $41.2M | $36.9M | $26.0M | $37.8M |
| Capital expenditure | $3.8M | $1.4M | $2.6M | $1.5M | $3.2M |
| Free cash flow | $52.9M | $39.8M | $34.3M | $24.6M | $34.6M |
| FCF margin | 61.8% | 42.8% | 42.5% | 30.6% | 36.5% |
| Dividends paid | $13.9M | $14.8M | $15.4M | $15.8M | $16.3M |
| Share buybacks | $0.3M | $0.3M | $0.3M | $0.2M | $0.3M |
| Share count change | 0.5% | 0.4% | 0.5% | 0.5% | 0.6% |
| Debt and strength | |||||
| Cash and short-term investments | $20.6M | $22.7M | $31.9M | $27.6M | $27.8M |
| Debt incl. finance leases | $136M | $103M | $69.7M | $146M | $188M |
| Loans, net | $1.6B | $1.9B | $2.1B | $2.3B | $2.4B |
| Deposits | $2.1B | $2.4B | $2.6B | $2.7B | $2.7B |
| Shareholders' equity | $246M | $229M | $243M | $252M | $283M |
| Returns and quality | |||||
| Return on equity | 15.5% | 16.4% | 12.5% | 10.9% | 12.8% |
| Return on tangible equity | 16.9% | 19.7% | 13.9% | 12.2% | 13.6% |
| Efficiency ratio | 49.2% | 47.2% | 54.3% | 58.8% | 53.8% |
| Piotroski F-score | 6 | 5 | 4 | 2 | 5 |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$0.2M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
First Bancorp, Inc /ME/ · FNLC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $36.36 a share, the company is worth $410M: 10.8 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000765207). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.