The First Bancorp, Inc.
FNLCFinancial ServicesNASDAQBanks - Regional
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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 $396.5M 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
$396.5M
Beta
0.47
P/E (TTM)
10.43
P/E (Fwd)
—
EPS (TTM)
$3.37
EPS (Fwd)
—
ROE
13.5%
ROA
1.2%
Cash
$38.1M
Total Debt
$218.8M
Free CF
—
52W Change
30.6%
Annual Financials
Cash vs Debt
Where FNLC stands vs its 150-day and 200-day moving averages
As of the September 2, 2026 close, FNLC finished 11.79% above its 150-day moving average ($30.37) and 16.27% above its 200-day moving average ($29.20). 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 September 2, 2026 close, FNLC's RSI(14) was 29.2, in oversold territory (below 30). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The First Bancorp, Inc. carries $218.8M in total debt against $38.1M in cash reserves — debt is roughly 5.7x the cash position. Managing this leverage effectively will be important for long-term financial stability. ROE of 13.5% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. 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).
With a beta below 0.7, The First Bancorp, Inc. typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. The debt-to-cash ratio suggests meaningful leverage on the balance sheet, a factor worth monitoring if credit conditions tighten. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for The First Bancorp, Inc. and its sector.