The First Bancorp, Inc.
FNLCFinancial ServicesNASDAQBanks - Regional
Scan Results
Daily timeframeThe 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. The $327.8M market capitalization puts FNLC squarely in small-cap range for its industry. It accepts various deposit products, including demand, NOW, time, savings, money market, and certificates of deposit accounts.
Market Cap
$327.8M
Beta
0.50
P/E (TTM)
8.97
P/E (Fwd)
—
EPS (TTM)
$3.24
EPS (Fwd)
—
ROE
13.3%
ROA
1.1%
Cash
$59.0M
Total Debt
$200.9M
Free CF
—
52W Change
21.2%
Annual Financials
Cash vs Debt
The company holds $59.0M in cash, though total debt stands at $200.9M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. Return on equity stands at 13.3%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.1% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $93.0M (2022) to $94.8M (2025).
The relatively low beta of 0.50 suggests FNLC is a less volatile holding compared to the broader index. No single metric tells the full story. Reviewing FNLC's risk profile alongside its fundamentals and technical indicators provides a more complete picture.