FNLC · First Bancorp, Inc /ME/
$35.31
-0.08 (-0.23%)
At close · Aug 6
Market Cap
$398.15M
Shares
11.28M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$35.31
Open$35.37
Day$34.95–35.54
52W$23.20–36.30
Avg vol 30d43K
Short int114K · 1.0% float · 4.0d
Short vol61%
DataJan 2020–Aug 2026
Filing10-Q · May 8
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed May 8, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Low
Market backdrop
VIX 15.2 · calm
Equity put/call 0.60
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+23%
above
Price vs 50-day avg
+7%
above
RSI (14)
60
neutral
MACD trend
Negative
52-week position
92%
near high
Volume (OBV)
Bearish div.
distributing
Momentum
relative strength
1-month return
+5%
trailing
6-month return
+24%
trailing
YTD return
+39%
this year
Relative strength
+11%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $33 › 200d $29 — 50d above 200d
Institutional flow
Accumulating
40 of 107 funds reported for Jun 30 · net +41.0K sh shares · +6 new
Insider flow
Distributing
Net -$183.1K over 90 days · 100% sells
Short interest
Falling
1.01% of float · ▼ -1.9% MoM · 4.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
107 holders — near 3-yr high, broad support
Squeeze score
45
elevated · 0–100
Fundamentals
EPS growth
+26%
Y/Y
Free cash flow
$34.6M
Valuation
P/E 10.9
below peers
Balance sheet
$81.1M
net debt
Quant / Vol
risk profile
Volatility
27%
annualized · 1-yr
Max drawdown
−11%
past year
ATR
3.2%
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 Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+23%
Bullish
Price vs 50-day avg
+7%
Bullish
RSI (14)
60
Neutral
MACD trend
Negative
Bearish
52-week position
92%
Bullish
Volume (OBV)
Bearish div.
Bearish
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $33 › 200d $29 — 50d above 200d
Institutional flow
Accumulating
40 of 107 funds reported for Jun 30 · net +41.0K sh shares · +6 new
Insider flow
Distributing
Net -$183.1K over 90 days · 100% sells
Short interest
Falling
1.01% of float · ▼ -1.9% MoM · 4.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
107 holders — near 3-yr high, broad support
Price context
position in its 52-week range
52-wk low $23
Now $35 · 92%
52-wk high $36
vs 200-day avg +23%
vs 50-day avg +7%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for Credit Losses on loans | 1.01% | Q2 2026 | — |
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| Available day-one liquidity | $706M | Q2 2026 | — |
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| Cost of total liabilities | 2.88% | Q2 2026 | — |
| Dividend per share | $0.38 | Q2 2026 | — |
| Efficiency Ratio | 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 Interest Margin | 2.88% | Q2 2026 | — |
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| Net loan charge-offs | $1.6M | Q2 2026 | — |
| 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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| Return on Average Tangible Common Equity | 14.67% | Q2 2026 | — |
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| 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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| Total Risk-Based Capital ratio | 14.24% | Q2 2026 | — |
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| Uninsured deposits | 17.2% | Q2 2026 | — |
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| Yield on earning assets | 5.34% | Q2 2026 | — |
| New loan production | $116M | Q1 2026 | — |
| Quarterly shareholder dividend | $0.37 | Q1 2026 | — |
| ratio of non-performing assets to total assets | 0.51% | Q1 2026 | — |
| ratio of non-performing loans to total loans | 0.67% | Q1 2026 | — |
| Return on Average Assets | 1.15% | Q1 2026 | — |
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| Efficiency Ratio (non-GAAP) non-GAAP | 52.09% | FY 2025 | — |
| Net Charge-offs | 0.07% | FY 2025 | — |
| Net Interest Margin Tax-Equivalent | 2.63% | FY 2025 | — |
| Pre-tax, pre-provision Return on Assets non-GAAP | 1.58% | Q4 2025 | — |
| Tier 1 Capital Ratio | 12.81% | Q4 2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
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/
|
$398.15M | +38.6% | — | 10.9 | 1.0% |
|
MFG
Mizuho Financial Group Inc
|
$130.23B | +46.0% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$122.06B | -34.9% | +15.2% | — | 0.4% |
|
IBN
Icici Bank Ltd
|
$109.32B | +3.1% | — | — | 0.6% |
|
PNC
Pnc Financial Services Group, Inc.
|
$100.84B | +23.9% | +7.2% | 13.9 | 1.7% |
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 | +1.1% | +5.3% | +24.2% | +0.6% | +38.6% |
| SPY | +3.6% | +2.2% | +12.8% | +2.9% | +12.7% |
| vs SPY | -2.6% | +3.0% | +11.4% | -2.3% | +25.9% |
Capital returns
Latest dividend
$0.38
/ share · ex Jul 7, 2026
Paid (TTM)
$1.49
/ share · 4 payouts
Dividend yield (TTM, derived)
4.22%
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.