The First Bancorp, Inc.
FNLCFinancial ServicesNASDAQBanks - Regional · Last scanned Oct 24, 2026
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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 company carries a $410.3M market cap, placing it firmly in the small-cap category. It accepts various deposit products, including demand, NOW, time, savings, money market, and certificates of deposit accounts.
Market Cap
$410.3M
Beta
0.48
P/E (TTM)
10.39
P/E (Fwd)
—
EPS (TTM)
$3.50
EPS (Fwd)
—
ROE
14.0%
ROA
1.2%
Cash
$35.0M
Total Debt
$144.9M
Free CF
—
52W Change
43.8%
Annual Financials
Cash vs Debt
Where FNLC stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, FNLC finished 7.55% above its 150-day moving average ($31.51) and 11.70% above its 200-day moving average ($30.34). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is FNLC overbought or oversold?
At the October 20, 2026 close, FNLC's RSI(14) was 55.5, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The First Bancorp, Inc. carries $144.9M in total debt against $35.0M in cash reserves — debt is roughly 4.1x the cash position. Managing this leverage effectively will be important for long-term financial stability. Return on equity stands at 14.0%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.2% 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).
FNLC's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing FNLC.