FNLC · First Bancorp, Inc /ME/
$34.54
-0.50 (-1.43%)
At close · Aug 21
Market Cap
$387.38M
Shares
11.28M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$35.04
Open$34.53
Day$34.37–35.12
52W close$24.08–35.66
Avg vol 30d32K
Short int122K · 1.1% float · 3.1d
Short vol50%
DataJan 2020–Aug 2026
Filing10-Q · Aug 7
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Low
Market backdrop
VIX 16 · calm
Equity put/call 0.58
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+20%
above
Price vs 50-day avg
+3%
above
RSI (14)
52
neutral
MACD trend
Negative
52-week position
95%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+3%
trailing
6-month return
+27%
trailing
YTD return
+33%
this year
Relative strength
+16%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $34 › 200d $29 — 50d above 200d
Institutional flow
Accumulating
+5% holders QoQ · +14 funds added
Insider flow
Distributing
Net -$183.1K over 90 days · 100% sells
Short interest
Rising
1.08% of float · ▲ +6.3% MoM · 3.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
113 holders — near 3-yr high, broad support
Squeeze score
52
elevated · 0–100
Fundamentals
EPS growth
+26%
Y/Y
Free cash flow
$34.6M
Valuation
P/E 10.2
below peers
Balance sheet
$173.4M
net debt
Quant / Vol
risk profile
Volatility
27%
annualized · 1-yr
Max drawdown
−13%
past year
ATR
2.7%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+20%
Bullish
Price vs 50-day avg
+3%
Bullish
RSI (14)
52
Neutral
MACD trend
Negative
Bearish
52-week position
95%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $34 › 200d $29 — 50d above 200d
Institutional flow
Accumulating
+5% holders QoQ · +14 funds added
Insider flow
Distributing
Net -$183.1K over 90 days · 100% sells
Short interest
Rising
1.08% of float · ▲ +6.3% MoM · 3.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
113 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $24
Now $35 · 95%
Range high $36
vs 200-day avg +20%
vs 50-day avg +3%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for Credit Losses/Total Loans | 1.01% | Q2 2026 | — |
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| Available day-one liquidity | $706M | Q2 2026 | — |
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| Efficiency Ratio (non-GAAP) non-GAAP | 50.33% | Q2 2026 | — |
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| Leverage Capital ratio | 9.21% | Q2 2026 | — |
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| Loans past due thirty days or more | 0.93% | Q2 2026 | — |
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| Net Charge-offs | $1.6M | Q2 2026 | — |
| Net interest income, tax equivalent non-GAAP | $21.84M | Quarter ended 6/30/2026 | — |
| Net Interest Margin | 2.88% | Q2 2026 | — |
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| New loan production | $131M | Q2 2026 | — |
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| Non-Performing Assets to Total Assets | 0.54% | Q2 2026 | — |
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| Non-Performing Loans to Total Loans | 0.71% | Q2 2026 | — |
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| Pre-Tax, pre-provision net income non-GAAP | $12.45M | Quarter ended 6/30/2026 | — |
| Quarterly shareholder dividend | $0.38 | Q2 2026 | — |
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| Return on Average Assets | 1.2% | Q2 2026 | — |
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| Return on Average Tangible Common Equity | 14.67% | Q2 2026 | — |
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| Tangible average shareholders' equity non-GAAP | $261.31M | Quarter ended 6/30/2026 | — |
| Tangible Book Value per share | $23.25 | Q2 2026 | — |
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| Tangible Common Equity ratio | 8.23% | Q2 2026 | — |
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| Tier 1 Capital Ratio | 13.11% | Q2 2026 | — |
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| Total Risk-Based Capital ratio | 14.24% | Q2 2026 | — |
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| Uninsured Deposits as a Percentage of Total Deposits | 17.2% | Q2 2026 | — |
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| Allowance for Credit Losses on loans | 1.05% | Q1 2026 | — |
| Efficiency Ratio | 52.64% | Q1 2026 | — |
| Net Interest Margin Tax-Equivalent | 2.63% | FY 2025 | — |
| Pre-tax, pre-provision Return on Assets non-GAAP | 1.58% | Q4 2025 | — |
| Tangible Book Value per Common Share | $22.49 | Q4 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FNLC
this stock
First Bancorp, Inc /ME/
|
$387.38M | +32.5% | — | 10.2 | 1.1% |
|
MFG
Mizuho Financial Group Inc
|
$124.83B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$121.52B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FNLC | -1.4% | +3.1% | +26.7% | -0.2% | +32.5% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | +0.6% | -0.2% | +15.6% | -2.3% | +20.7% |
Capital returns
Latest dividend
$0.38
/ share · ex Jul 7, 2026
Paid (TTM)
$1.49
/ share · 4 payouts
Dividend yield (TTM, derived)
4.25%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.