Is The First Bancorp, Inc. (FNLC) Overvalued?
We dive into why The First Bancorp, Inc. (FNLC) could be considered overvalued on 2026-08-17, based on AAII’s Value Score and Grade.Jenna Brashear
A+ Stock Grade Summary:
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COMPANY SUMMARY
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.
Commentary & Analysis
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Is The First Bancorp, Inc.(FNLC) Building Momentum?
With data as of June 30, 2025, we examine if The First Bancorp, Inc.(FNLC) is consistently building momentum based on AAII's A+ Investor Momentum and Value Scores and Grades.Omar Beirat
Financial Summary
| Share Statistics | FNLC | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $393.3 | $751.0 | 34% |
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| Shares Out (Mil) | 11.3 | 15.4 | 22% |
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| Institutional Ownership | 90.6% | 83.2% | 59% |
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| Float (Mil) | 10.7 | 21.8 | 20% |
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| Beta | 0.48 | 0.43 | 27% |
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| Avg Daily Volume (000s) | 25 | 42 | 22% |
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| Price Change (52-week) |
33.0% | 94.6% | 71% |
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| Growth | FNLC | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 5.3% | 7.7% | 38% |
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| Net Income (5yr) | 4.9% | 11.1% | 47% |
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| EPS (5yr) | 4.4% | 10.1% | 38 |
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| Dividends (5yr) | 3.6% | 3.6% | 86% |
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| Cash Flow (5yr) | (60.8%) | (17.1%) | 4% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | FNLC | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $99 | $196 | 26% |
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| Net Income (TTM) (Mil) | $38 | $55 | 53% |
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| EPS (TTM) | $3.404 | $2.600 | 80% |
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| Operating Cash Flow (TTM) (Mil) | $38 | $36 | 45% |
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| Net Cash Flow (TTM) (Mil) | $2 | $2 | 49% |
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| Long-Term Debt (Q1) (Mil) | $36 | $101 | 37% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | FNLC | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.34 | 1.25 | 34% |
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| P/E | 10.3 | 12.5 | 17% |
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| Dividend Yield | 4.4% | 2.2% | 92% |
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| PEG (5yr hist) | 2.4 | 1.1 | 72% |
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| Ratios | FNLC | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 38.3% | 29.1% | 94% |
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| ROA | 1.2% | 1.1% | 49% |
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| ROE | 13.5% | 11.3% | 67% |
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| Liabilities to Assets | 90.9% | 89.7% | 87% |
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| F-Score | 5 | 4 | 50% |
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Passing Stock Screens
As of 8/20/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
