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32.95 USD
P/E
9.88
EPS
3.37
Yield
4.34%
Safety Score
85
P/B
1.28
ROE
13.54
Beta
0.48
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Key Metrics
Earnings dateOct. 21, 2026
P/E9.88
EPS3.37
Book Value25.97
Price to Book1.28
% Insiders4.879%
Growth
Revenue Growth0.13%
Earnings Growth0.18%
Dividend
Dividend Yield4.34%
Annual dividends1.49 USD
Ex-Div. DateOct. 6, 2026
Payout43.98%
5y avg Yield5.09%

DCF Valuation

Tweak assumptions to recompute fair value for First Bancorp (FNLC)
Currency: USD
DCF Assumptions
Decimal (e.g., 0.10 = 10%). Range allows declines (−50%) to strong growth (+50%).
Decimal (e.g., 0.30 = 30%).
Decimal (e.g., 0.04 = 4%).
Decimal (e.g., 0.20 = 20%).
Percent number (e.g., 3 = 3%).
Percent number (e.g., 10 = 10%).
Percent number (e.g., 5 = 5%).
DCF Result

Fair Value (DCF)
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Current Price
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Terminal PV
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Note: historical bars show reported FCF (for context); forward bars show PV of projected FCF; if no per-year data, totals are shown.

First Bancorp Logo First Bancorp Analysis (FNLC)

United States Financials Official Website Stock

Is First Bancorp a good investment? First Bancorp (FNLC) is currently trading at 32.95 USD.

In terms of valuation, the stock trades at a P/E ratio of 9.88. This relatively low multiple may signal that First Bancorp is undervalued compared to historical market norms.

Earnings Schedule: First Bancorp is expected to release its next earnings report on Oct. 21, 2026.

For income investors, First Bancorp pays a dividend yield of 4.34%. With a payout ratio of 44%, the dividend appears sustainable.

Investor FAQ

Does First Bancorp pay a dividend?

Yes, it pays an annual dividend of 1.49 USD (4.34% yield).

What asset class is First Bancorp?

First Bancorp is classified as a Stock. You can compare it against its peer in the "Related Symbols" list.

When is the next earnings date?

The next earnings date is projected to be Oct. 21, 2026. The company currently has a trailing EPS of 3.37.

Company Profile

The First Bancorp, Inc. operates as the bank holding company for First National Bank that provides a range of banking products and services to individual and corporate customers. It accepts various deposit products, including demand, NOW, time, savings, money market, and certificates of deposit accounts. The company also provides commercial loans, such as mortgage loans to finance investments in real property, which includes retail spaces, offices, industrial buildings, hotels, educational facilities, and other specific or mixed use properties; commercial real estate non-owner occupied loans; commercial construction to finance construction in a mix of owner- and nonowner occupied commercial real estate properties; and commercial and industrial loans, including revolving and term loans for financing working capital and/or capital investment. In addition, it offers commercial multifamily loans; residential real estate term and construction loans; loans to municipalities in Maine for capitalized expenditures, construction projects, or tax anticipation notes; home equity revolving and term loans; and personal lines of credit and amortizing loans for various purposes, such as autos, recreational vehicles, debt consolidation, personal expenses, or overdraft protection. Further, the company offers private banking, financial planning, investment management, and trust services to individuals, businesses, non-profit organizations, and municipalities, as well as brokerage, annuity, and various insurance products. It operates through full-service banking offices in Lincoln, Knox, Waldo, Penobscot, Hancock, and Washington counties in the Mid-Coast, Eastern, and Down East regions of Maine. The company was formerly known as First National Lincoln Corporation and changed its name to The First Bancorp, Inc. in April 2008. The First Bancorp, Inc. was founded in 1864 and is based in Damariscotta, Maine.

Exchange Ticker
NMS (United States) FNLC
Trades
Dividend Yield
4.34%
5y avg 5.09%
Annual Dividends
1.49USD
Next Ex. Div Date
Oct. 6, 2026
Payout Ratio
43.98%
Dividend History paid per year (USD)
Historical Dividends
Year Total Dividends
▸2027
1.16 USD
July 30, 2027 (estimated) 0.3945
April 30, 2027 (estimated) 0.3846
Jan. 29, 2027 (estimated) 0.3846
▸2026
1.50 USD
Oct. 16, 2026 0.3800
July 17, 2026 0.3800
April 17, 2026 0.3700
Jan. 16, 2026 0.3700
▸2025
1.46 USD
Oct. 16, 2025 0.3700
July 18, 2025 0.3700
April 18, 2025 0.3600
Jan. 16, 2025 0.3600
▸2024
1.42 USD
Oct. 18, 2024 0.3600
July 19, 2024 0.3600
April 19, 2024 0.3500
Jan. 19, 2024 0.3500
▸2023
1.38 USD
Oct. 20, 2023 0.3500
July 20, 2023 0.3500
April 20, 2023 0.3400
Jan. 20, 2023 0.3400
▸2022
1.32 USD
Oct. 21, 2022 0.3400
July 22, 2022 0.3400
April 22, 2022 0.3200
Jan. 21, 2022 0.3200
▸2021
1.26 USD
Oct. 22, 2021 0.3200
July 19, 2021 0.3200
April 16, 2021 0.3100
Jan. 19, 2021 0.3100
▸2020
1.22 USD
Oct. 16, 2020 0.3100
July 20, 2020 0.3100
April 20, 2020 0.3000
Jan. 17, 2020 0.3000
▸2019
1.18 USD
Oct. 22, 2019 0.3000
July 31, 2019 0.3000
April 30, 2019 0.2900
Jan. 31, 2019 0.2900
▸2018
1.06 USD
Oct. 31, 2018 0.2900
July 31, 2018 0.2900
April 30, 2018 0.2400
Jan. 31, 2018 0.2400
▸2017
1.06 USD
Oct. 31, 2017 0.2400
July 28, 2017 0.2400
April 28, 2017 0.2300
Jan. 31, 2017 0.3500
▸2016
0.90 USD
Oct. 28, 2016 0.2300
July 29, 2016 0.2300
April 29, 2016 0.2200
Jan. 29, 2016 0.2200
▸2015
0.86 USD
Oct. 30, 2015 0.2200
July 31, 2015 0.2200
April 30, 2015 0.2100
Jan. 30, 2015 0.2100
▸2014
0.82 USD
Oct. 31, 2014 0.2100
July 31, 2014 0.2100
April 30, 2014 0.2000
Jan. 31, 2014 0.2000
▸2013
0.78 USD
Oct. 31, 2013 0.1950
July 31, 2013 0.1950
April 30, 2013 0.1950
Jan. 31, 2013 0.1950
▸2012
0.78 USD
Oct. 31, 2012 0.1950
July 31, 2012 0.1950
April 30, 2012 0.1950
Jan. 31, 2012 0.1950
▸2011
0.78 USD
Oct. 28, 2011 0.1950
July 29, 2011 0.1950
April 29, 2011 0.1950
Jan. 28, 2011 0.1950
▸2010
0.78 USD
Oct. 29, 2010 0.1950
July 30, 2010 0.1950
April 30, 2010 0.1950
Jan. 29, 2010 0.1950
▸2009
0.78 USD
Oct. 30, 2009 0.1950
July 31, 2009 0.1950
April 30, 2009 0.1950
Jan. 30, 2009 0.1950
▸2008
0.75 USD
Oct. 31, 2008 0.1950
July 31, 2008 0.1900
April 30, 2008 0.1850
Jan. 31, 2008 0.1800
▸2007
0.67 USD
Oct. 31, 2007 0.1750
July 31, 2007 0.1700
April 30, 2007 0.1650
Jan. 31, 2007 0.1600
▸2006
0.59 USD
Oct. 31, 2006 0.1550
July 31, 2006 0.1500
April 28, 2006 0.1450
Jan. 31, 2006 0.1400
▸2005
0.51 USD
Oct. 28, 2005 0.1350
July 29, 2005 0.1300
April 29, 2005 0.1250
Jan. 28, 2005 0.1200
▸2004
0.43 USD
Oct. 29, 2004 0.1150
July 30, 2004 0.1100
April 30, 2004 0.1033
Jan. 30, 2004 0.1000
▸2003
0.37 USD
Oct. 31, 2003 0.0967
July 31, 2003 0.0933
April 30, 2003 0.0900
Jan. 31, 2003 0.0867
▸2002
0.31 USD
Oct. 31, 2002 0.0833
July 31, 2002 0.0800
April 30, 2002 0.0767
Jan. 31, 2002 0.0733
▸2001
0.26 USD
Oct. 31, 2001 0.0700
July 31, 2001 0.0667
April 27, 2001 0.0633
Jan. 31, 2001 0.0600
▸2000
0.21 USD
Oct. 27, 2000 0.0567
July 28, 2000 0.0533
April 28, 2000 0.0500
Jan. 28, 2000 0.0467
▸1999
0.27 USD
Oct. 29, 1999 0.0433
July 30, 1999 0.1200
March 29, 1999 0.1101
▸1998
0.29 USD
Dec. 28, 1998 0.0501
Sept. 28, 1998 0.0900
June 26, 1998 0.0801
March 27, 1998 0.0699
▸1997
0.22 USD
Dec. 26, 1997 0.0600
Sept. 29, 1997 0.0576
June 26, 1997 0.0549
March 26, 1997 0.0525
▸1996
0.19 USD
Dec. 27, 1996 0.0501
Sept. 26, 1996 0.0474
June 26, 1996 0.0450
March 29, 1996 0.0426
▸1995
0.10 USD
Dec. 27, 1995 0.0249
Oct. 3, 1995 0.0375
March 27, 1995 0.0351
▸1994
0.04 USD
Dec. 23, 1994 0.0351
Upcoming Dividends
Name Payment Date Status Amount
First Bancorp Oct 16, 2026 Upcoming 0.38 USD
First Bancorp Jul 17, 2026 0.38 USD
First Bancorp Apr 17, 2026 0.37 USD
First Bancorp Jan 16, 2026 0.37 USD
Stock Splits
Split Date Split Ratio to 1
June 2, 2004 3:1
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