OakChart

First Bancorp Inc (ME)

FNLCFinancial·Banks - Regional·USA·Small·NASD·Nov 12 • 3:59 PM ET

36.78-0.06 (-0.16%)
2026-11-13 14:05 CET
Market cap
$415.25M
Revenue, TTM
- USD m
Net income, TTM
39.40 USD m
Free cash flow, TTM
32.57 USD m
EPS diluted, TTM
3.50
Price / earnings
10.51
Compare

Price

FNLC against its 20, 50 and 200-day averages
Terms2050200
Patternshover a marker to name it
RS 9030.0035.00121K242KVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26FNLCclose 36.7820-day 36.1450-day 35.04200-day 31.8336.7852w high 38.4952-week range, not 6 months

4.4% under the 52-week high of 38.49 on 9 Nov 2026. 52-week low 24.63 on 19 Nov 2025. Last 15 sessions, 9.2% high to low

Volume 0.00× normal · the session has not printed · the line is the 50-bar volume average

Setup. RS line 90
CANSLIM 1 of 6 — fails: EPS Growth Qtr Over Qtr: High (>25%); Performance: Year +50%; Institutional Ownership: Over 50%; Average Volume: Over 200K — not on the tape: EPS Growth This Year: High (>25%)
VCP 6 of 6
Minervini 3 of 4 — fails: Performance: Year +50%
Zanger 3 of 5 — fails: Performance: Week +10%; Relative Volume: Over 1.5
Leaders 3 of 5 — fails: Performance: Year +50%; Average Volume: Over 500K
Breakout 2 of 4 — fails: 52-Week High/Low: New High; Relative Volume: Over 2
Growth 0 of 4 — fails: EPS Growth Qtr Over Qtr: High (>25%); Return on Equity: Over +15% — not on the tape: EPS Growth This Year: High (>25%); EPS Growth Next Year: High (>25%)
Quality 2 of 5 — fails: Return on Equity: Over +15%; Debt/Equity: Low (<0.1); Current Ratio: Over 1
Value 2 of 4 — fails: Return on Equity: Over +15%; Debt/Equity: Low (<0.1)
Income 3 of 4 — fails: Payout Ratio: Low (<20%)
Small Cap 2 of 4 — fails: Average Volume: Over 500K; Performance: Year +50%
Accumulation 3 of 4 — fails: Institutional Transactions: Over +10%
Relative Strength 1 of 3 — fails: Performance: Year +100%; Average Volume: Over 500K

Profile

FNLC
52-week range, 88% of the way up
24.6338.49

The First Bancorp, Inc. (Maine) is a bank holding company, which engages in the provision of financial services. It offers time and savings deposits, lending, automated teller machine processing, investment management, and trust services. The company was founded on January 15, 1985 and is headquartered in Damariscotta, ME.

IndexRUT
Employees278
IPOJul 15, 1999
Beta0.48
ATR, 14d1.01
Rel volume0.00
Short float1.50%
Insider own12.92%
Inst own45.82%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap$415.25M
Enterprise Value-
Income39.40M
Sales180.01M
Book / share25.53
Cash / share-
Dividend Est.-
Dividend TTM1.50 (4.08%)
Dividend Ex-DateOct 06, 2026
Dividend Gr. 3/5Y3.13% 3.63%
Payout47.89%
Employees278
IPOJul 15, 1999

Ratios

Price / earnings10.51
Forward price / earnings-
Price / earnings / growth-
Price / sales2.31
Price / book1.44
Price / cash-
Price / free cash flow12.75
Value / cash profit-
Value / sales-
Quick Ratio-
Current Ratio0.02
Debt / equity0.50
Long-term debt / equity0.24
Options and shortYes / Yes

Earnings

Earnings / share3.50
Earnings next year-
Earnings next quarter-
Earnings this year-
Earnings next year-
Earnings growth, 5 years-
Past earnings growth-4.59% 4.35%
Past sales growth17.93% 14.77%
Earnings vs last year24.55%
Sales vs last year2.06%
Earnings vs last quarter16.75%
Sales vs last quarter2.14%
EarningsJul 22 AMC
Surprise- -

Ownership

Insiders own12.92%
Insider trades-0.36%
Institutions own45.82%
Institution trades1.35%
Return on assets1.22%
Return on equity14.00%
Return on capital10.98%
Gross Margin-
Operating margin26.56%
Profit Margin21.89%
20-day average1.77%
50-day average4.96%
200-day average15.54%

Technical

Shares out11.29M
Shares floating9.83M
Short / float1.50%
Short ratio4.17
Short interest0.15M
52-week high38.49 -4.4%
52-week low24.63 +49.3%
Volatility2.62% 2.84%
Average range1.01
Strength index59.17
Market sensitivity0.48
Relative volume0.00
Avg Volume35.26K
Volume0

Performance

Perf Week0.52%
Perf Month9.92%
Perf Quarter3.26%
Perf Half Y29.23%
Perf YTD39.11%
Perf Year43.90%
Perf 3Y53.57%
Perf 5Y18.84%
Perf 10Y31.01%
Recommendation-
Target Price-
Prev Close36.78
Price36.78
Change %0.00%

Peers

Mkt cap
TickerCompanyMkt cap
BHBBar Harbor Bankshares Inc693.94M
CACCamden National Corp1.00B
NBNNortheast Bank1.09B
WASHWashington Trust Bancorp Inc740.37M
WNEBWestern New England Bancorp Inc268.11M
AROWArrow Financial Corp718.74M
UNBUnion Bankshares Inc112.96M
HIFSHingham Institution For Savings655.43M
CHMGChemung Financial Corp413.27M
PBFSPioneer Bancorp Inc451.00M

Insider trading

3 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Tolman SarahEVP, Chief Banking OfficerJul 28 '26Sale35.225,200183,1442,191Jul 29 11:52 AM
Tolman SarahOfficerJul 27 '26Proposed Sale34.985,200181,896Jul 27 10:19 AM
Swan KimberlyDirectorApr 30 '26Buy28.691,50043,03014,470May 01 10:39 AM

Held by

AUM
TickerCompanyAUM
IWMiShares Russell 2000 Index FundAUM: 77.86B
VTIVanguard Morningstar Total Stock Market ETFAUM: 696.31B
AVUVAvantis U.S. Small Cap Value ETFAUM: 33.08B
DFATU.S. Targeted Value Portfolio-ETF Class SharesAUM: 14.54B
IWNiShares Russell 2000 Value ETFAUM: 14.17B
VXFVanguard Extended Market Index ETFAUM: 30.79B
DFASU.S. Small Cap Portfolio-ETF Class SharesAUM: 15.64B
DFMCU.S. Micro Cap Portfolio ETF Class SharesAUM: 213.58M
VTWOVanguard Russell 2000 Index ETFAUM: 16.90B
DFACU.S. Core Equity 2 Portfolio-ETF Class SharesAUM: 49.67B

News

latest 14 of 200

Quarterly earnings

2025Q4 sales 25.85, from 21.99 a year earlier
Sales, USD millions
25.8502023Q4 sales 19.9623Q42024Q1 sales 18.5224Q12024Q2 sales 19.2324Q22024Q3 sales 20.5224Q32024Q4 sales 21.9924Q42025Q1 sales 21.8025Q12025Q2 sales 22.5425Q22025Q4 sales 25.8525Q4

The outline behind the bar is the estimate. The filled bar is the print. Green beat it, red missed it.

PeriodReportedEPS adjustedEPS estEPS reportedSales act, USD mSales est, USD mSurpriseYear-ago quarterAnalystsNext session
2026Q1ended 2026-03-312026-04-22 16:30--0.799--EPS - · sales -vs 2025Q1, year-ago quarter · EPS - · sales --Open +2.26% vs SPY -0.24%. Close +1.75% vs SPY -0.39%
2025Q4ended 2025-12-312026-01-21 16:30--0.90625.85-EPS - · sales -vs 2024Q4, year-ago quarter · EPS - · sales +17.5%-Open -1.01% vs SPY +0.65%. Close -0.62% vs SPY +0.52%
2025Q3ended 2025-09-302025-10-22 16:30--0.810--EPS - · sales -vs 2024Q3, year-ago quarter · EPS - · sales --Open +0.82% vs SPY +0.05%. Close -1.44% vs SPY +0.59%
2025Q2ended 2025-06-302025-07-23 16:30--0.72022.54-EPS - · sales -vs 2024Q2, year-ago quarter · EPS - · sales +17.2%-Open -1.24% vs SPY +0.06%. Close -6.82% vs SPY +0.03%
2025Q1ended 2025-03-312025-04-23 16:30--0.63321.80-EPS - · sales -vs 2024Q1, year-ago quarter · EPS - · sales +17.7%-Open -0.58% vs SPY +0.24%. Close +0.33% vs SPY +2.10%
2024Q4ended 2024-12-312025-01-22 16:30--0.65021.99-EPS - · sales -vs 2023Q4, year-ago quarter · EPS - · sales +10.2%-Open -5.31% vs SPY -0.11%. Close -2.00% vs SPY +0.55%
2024Q3ended 2024-09-302024-10-23 16:30--0.67920.52-EPS - · sales -vs 2023Q3, year-ago quarter · EPS - · sales +3.4%-Open +1.00% vs SPY +0.34%. Close +3.00% vs SPY +0.22%
2024Q2ended 2024-06-302024-07-24 16:30--0.55419.23-EPS - · sales -vs 2023Q2, year-ago quarter · EPS - · sales -2.9%-Open +0.22% vs SPY +0.02%. Close +4.95% vs SPY -0.52%
2024Q1ended 2024-03-312024-04-17 16:30--0.54218.52-EPS - · sales -vs 2023Q1, year-ago quarter · EPS - · sales -12.0%-Open -0.06% vs SPY +0.29%. Close -0.36% vs SPY -0.21%
2023Q4ended 2023-12-312024-01-24 16:30--0.60019.96-EPS - · sales -vs 2022Q4, year-ago quarter · EPS - · sales -14.4%-Open +1.07% vs SPY +0.45%. Close +0.76% vs SPY +0.54%
2023Q3ended 2023-09-302023-10-18 16:30--0.67419.85-EPS - · sales -vs 2022Q3, year-ago quarter · EPS - · sales -17.6%-Open +0.26% vs SPY +0.17%. Close -1.04% vs SPY -0.88%
2023Q2ended 2023-06-302023-07-19 16:30--0.66819.81-EPS - · sales -vs 2022Q2, year-ago quarter · EPS - · sales -13.1%-Open -2.41% vs SPY -0.23%. Close +3.59% vs SPY -0.66%
2023Q1ended 2023-03-312023-04-19 16:30--0.72021.04-EPS - · sales -vs 2022Q1, year-ago quarter · EPS - · sales -7.9%--
2022Q4ended 2022-12-312023-01-18 16:30--0.83023.33-EPS - · sales -vs 2021Q4, year-ago quarter · EPS - · sales +3.7%--
2022Q3ended 2022-09-302022-10-19 16:30--0.91424.08-EPS - · sales -vs 2021Q3, year-ago quarter · EPS - · sales +12.6%--
2022Q2ended 2022-06-302022-07-20 16:30--0.90722.78-EPS - · sales -vs 2021Q2, year-ago quarter · EPS - · sales +10.4%--

Annual earnings

2011FY EPS 1.140, from 1.100 a year earlier
EPS
1.14002010FY EPS 1.100 against 1.00020102011FY EPS 1.1402011

Reported years only. The outline behind the bar is the estimate. A later year with no print stays in the table.

earnings feed, not the snapshot. Not the statement ratio.

PeriodEPS adjustedEPS estEPS reportedSales act, USD mSales est, USD mP/E, earnings feed
2011FY1.140-1.140--32.26
2010FY1.1001.0001.100-49.0033.44

Estimate revisions

Latest snapshot of each period and type.

No estimate revisions.

Estimate history

Annual
Metric201720182019202020212022202320242025TTMMRQ
EPS per share1.8112.1692.3442.4813.3013.5352.6642.4283.073.4989-
Sales USD millions7382918992108142164178180-
Shares million shares111111111111111111-11
Quarterly
MetricQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
EPS per share0.6790.650.6330.720.810.9060.7990.8480.946
Sales USD millions424344444545444546
Shares million shares111111111111111111

Income statement, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
MetricTTM2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/20212020FY12/31/20202019FY12/31/20192018FY12/31/2018
Interest Income161.19160.27+7.7%148.83+16.1%128.17+37.8%93.03+20.7%77.08-0.1%77.12-1.9%78.65+11.5%70.54
Total Interest Expense75.7282.89-2.4%84.92+34.9%62.97+273.3%16.87+56.5%10.78-37.7%17.29-33.9%26.16+28.7%20.33
Net Interest Income85.4677.38+21.1%63.91-2.0%65.21-14.4%76.17+14.9%66.30+10.8%59.83+14.0%52.49+4.5%50.21
Loan Loss Provision2.811.85+249.1%0.53-55.1%1.18-32.6%1.75-0.38-106.3%6.05+384.0%1.25-16.7%1.50
Net Interest Income After Loan Loss Provision82.6675.53+19.2%63.38-1.0%64.02-14.0%74.42+11.6%66.68+24.0%53.78+5.0%51.24+5.2%48.71
Non-Interest Income18.8217.34+13.5%15.28+6.8%14.31-6.1%15.24+4.9%14.53+20.2%12.09-3.0%12.47+12.1%11.12
Non-Interest Expense53.6751.53+8.1%47.69+7.7%44.29-0.5%44.52+4.2%42.73+12.3%38.05+6.9%35.59+5.1%33.86
Operating Income47.8141.33+33.5%30.97-9.0%34.04-24.6%45.15+17.4%38.47+38.3%27.82-1.1%28.12+8.3%25.97
Unusual Expense0.000.000.000.000.000.00-100.0%0.310.000.00
Net Income Before Taxes47.8141.33+29.0%32.05-8.9%35.17-24.8%46.77+7.9%43.33+36.3%31.79+6.5%29.84+8.7%27.45
Income Taxes8.416.94+38.5%5.01-11.3%5.65-27.5%7.79+10.3%7.06+51.5%4.66+8.1%4.31+9.9%3.92
Consolidated Net Income39.4034.39+27.1%27.05-8.4%29.52-24.3%38.99+7.5%36.27+33.7%27.13+6.3%25.52+8.4%23.54
Net Income From Continuing Operations39.4034.39+27.1%27.05-8.4%29.52-24.3%38.99+7.5%36.27+33.7%27.13+6.3%25.52+8.4%23.54
Net Income39.4034.39+27.1%27.05-8.4%29.52-24.3%38.99+7.5%36.27+33.7%27.13+6.3%25.52+8.4%23.54
EPS (Recurring) per share3.493.07+26.3%2.43-8.6%2.66-24.6%3.53+7.0%3.30+32.0%2.50+6.8%2.34+7.8%2.17
EPS (Basic, Before Extraordinaries) per share3.533.10+26.5%2.45-8.6%2.68-24.9%3.57+7.2%3.33+33.2%2.50+5.9%2.36+8.3%2.18
EPS (Diluted) per share3.503.07+26.3%2.43-8.6%2.66-24.6%3.53+7.0%3.30+33.1%2.48+6.0%2.34+7.8%2.17
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense0.830.76+7.0%0.71+9.2%0.65+1.6%0.64+3.2%0.62+29.2%0.48-14.3%0.56+86.7%0.30
Price To Earnings Ratio ratio statement ratio, not the snapshot10.5110.5111.529.768.399.5110.2412.9012.13
Price To Sales Ratio ratio2.091.671.862.193.053.773.113.613.50
Operating Margin %26.5623.2718.8723.8941.6942.0031.1930.8631.80
Net Margin %21.8919.3616.4820.7236.0139.5930.4128.0128.82
Shares Outstanding million shares11.2911.22+0.5%11.16+0.5%11.10+0.5%11.05+0.5%11.00+0.5%10.95+0.5%10.90+0.4%10.86
Market Capitalization415.25415.25+36.1%305.00-2.6%313.07-5.3%330.60-4.3%345.28+24.2%278.07-15.6%329.51+15.4%285.54

Income statement, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q39/30/20262026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/2024
Interest Income41.48+1.1%39.84+0.0%39.14+1.1%40.73+4.4%41.01+7.1%39.83+8.9%38.71+10.6%39.00+12.0%
Total Interest Expense18.97-9.5%18.68-12.8%18.45-11.8%19.62-8.5%20.95-4.3%21.42-0.3%20.91+4.0%21.45+13.1%
Net Interest Income22.50+12.2%21.16+14.9%20.69+16.2%21.11+20.3%20.06+22.3%18.41+22.2%17.80+19.6%17.55+10.7%
Loan Loss Provision0.98+40.0%0.94+91.8%0.62+59.0%0.27-76.7%0.700.49-3.9%0.391.16+27.5%
Net Interest Income After Loan Loss Provision21.52+11.2%20.23+12.9%20.07+15.3%20.84+27.2%19.36+13.6%17.92+23.1%17.41+13.1%16.39+9.7%
Non-Interest Income4.98+11.4%4.66+12.8%4.45-13.1%4.73+15.4%4.47+16.1%4.13+6.2%5.12+49.3%4.10+7.0%
Non-Interest Expense13.55+6.3%13.38+9.7%13.62+6.1%13.13+8.2%12.75+6.3%12.20+8.4%12.84+9.2%12.14+8.5%
Operating Income12.95+16.9%11.51+16.9%10.90+12.5%12.44+49.0%11.08+24.6%9.85+36.6%9.69+37.3%8.35+10.0%
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes12.95+16.9%11.51+16.9%10.90+27.3%12.44+43.3%11.08+21.0%9.85+31.9%8.56+17.7%8.68+7.3%
Income Taxes2.28+14.0%1.95+8.9%1.91+28.2%2.27+62.1%2.00+25.8%1.79+37.7%1.49+19.2%1.40-0.7%
Consolidated Net Income10.67+17.5%9.56+18.6%8.99+27.0%10.17+39.7%9.08+19.9%8.06+30.6%7.08+17.6%7.28+9.0%
Net Income From Continuing Operations10.67+17.5%9.56+18.6%8.99+27.0%10.17+39.7%9.08+19.9%8.06+30.6%7.08+17.6%7.28+9.0%
Net Income10.67+17.5%9.56+18.6%8.99+27.0%10.17+39.7%9.08+19.9%8.06+30.6%7.08+17.6%7.28+9.0%
EPS (Recurring) per share0.95+17.3%0.85+18.1%0.80+27.0%0.91+40.0%0.81+19.1%0.720.63+16.7%0.65+8.3%
EPS (Basic, Before Extraordinaries) per share0.96+17.1%0.86+17.8%0.81+26.6%0.91+40.0%0.82+20.6%0.73+30.4%0.64+16.4%0.65+8.3%
EPS (Diluted) per share0.95+17.3%0.85+18.1%0.80+27.0%0.91+40.0%0.81+19.1%0.72+30.9%0.63+16.7%0.65+8.3%
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense0.18-10.0%0.24-33.3%0.24+33.3%0.16-5.9%0.20+11.1%0.36+63.6%0.180.0%0.170.0%
Price To Earnings Ratio ratio statement ratio, not the snapshot10.5110.769.139.4010.1310.1010.1911.52
Price To Sales Ratio ratio2.092.191.771.661.671.651.631.87
Operating Margin %27.8825.8725.0127.3724.3622.4222.1019.36
Net Margin %22.9721.4820.6322.3719.9718.3416.1516.90
Shares Outstanding million shares11.29+0.7%11.28+0.6%11.27+0.6%11.22+0.5%11.21+0.5%11.21+0.6%11.20+0.6%11.16+0.5%
Market Capitalization415.25+41.1%392.62+37.9%315.91+14.1%296.64-2.7%294.39+0.4%284.65+2.9%276.76+0.9%305.00-2.6%

Balance sheet, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/20212020FY12/31/20202019FY12/31/20192018FY12/31/20182017FY12/31/2017
Cash & Due from Banks27.78+0.5%27.64-13.5%31.94+40.5%22.73+10.2%20.63-21.3%26.21+81.6%14.43-24.6%19.13-0.4%19.21
Investments640.49-5.9%680.81+0.3%678.89-1.8%691.17-9.8%766.08+1.8%752.29+13.4%663.13+10.8%598.56+5.9%565.37
Net Loans2,368.74+2.3%2,316.07+10.0%2,105.42+10.9%1,897.95+16.3%1,632.13+11.8%1,460.51+13.6%1,285.44+4.8%1,227.05+6.4%1,153.41
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets0.00-100.0%0.17+1600.0%0.01-0.00-100.0%0.91+225.0%0.28-51.7%0.58-42.6%1.01
Net Property, Plant & Equipment28.77+3.3%27.86-2.9%28.68+1.4%28.28-2.3%28.95+6.2%27.25+27.9%21.30-3.4%22.06-2.0%22.50
Interest Receivables14.19+1.5%13.98+17.6%11.89+21.0%9.83+30.4%7.54-18.9%9.30+29.7%7.17+7.7%6.66+13.5%5.87
Deferred Tax Assets15.95-16.4%19.07+72.9%11.03-37.9%17.76+216.0%5.62-16.5%6.73+81.9%3.70-25.3%4.95+13.5%4.36
Other Intangible Assets77.50-1.4%78.62-0.3%78.83+10.3%71.47+8.0%66.15-15.2%78.04+6.4%73.34+11.8%65.57-7.9%71.21
Total Assets3,173.42+0.3%3,164.21+7.4%2,946.70+7.6%2,739.18+8.4%2,527.10+7.0%2,361.24+14.1%2,068.80+6.4%1,944.57+5.5%1,842.93
Total Deposits2,664.75-2.2%2,725.25+4.8%2,599.66+9.3%2,378.88+12.0%2,123.30+15.1%1,844.61+11.8%1,650.47+8.1%1,527.09+7.6%1,418.88
Total Debt188.30+28.2%146.84+108.9%70.30-32.5%104.22-23.6%136.34-48.0%262.04+41.7%184.96-12.1%210.32-8.1%228.76
Long Term Debt95.89+0.4%95.47+16948.2%0.56-22.2%0.72-98.7%55.090.0%55.10+445.0%10.11-84.5%65.11-43.4%115.12
Provision for Risks Charges3.02-8.2%3.29-16.1%3.92+35.6%2.890.000.000.000.00-100.0%3.06
Deferred Tax Liabilities7.12-1.1%7.20+2.4%7.03+3.7%6.78+13.0%6.00-8.5%6.56+38.1%4.75+28.0%3.71-10.8%4.16
Other Liabilities27.09-7.0%29.13+28.3%22.71+29.8%17.49+10.7%15.80-35.0%24.30+50.7%16.12+35.2%11.92+76.3%6.76
Total Liabilities2,890.28-0.7%2,911.72+7.7%2,703.62+7.7%2,510.26+10.0%2,281.44+6.7%2,137.51+15.1%1,856.29+5.9%1,753.03+5.5%1,661.61
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity283.14+12.1%252.49+3.9%243.08+6.2%228.92-6.8%245.66+9.8%223.73+5.3%212.51+10.9%191.54+5.6%181.32
Total Shareholders Equity283.14+12.1%252.49+3.9%243.08+6.2%228.92-6.8%245.66+9.8%223.73+5.3%212.51+10.9%191.54+5.6%181.32
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity283.14+12.1%252.49+3.9%243.08+6.2%228.92-6.8%245.66+9.8%223.73+5.3%212.51+10.9%191.54+5.6%181.32
Total Liabilities & Stockholders Equity3,173.42+0.3%3,164.21+7.4%2,946.70+7.6%2,739.18+8.4%2,527.10+7.0%2,361.24+14.1%2,068.80+6.4%1,944.57+5.5%1,842.93
Book Value Per Share per share25.23+11.5%22.63+3.3%21.90+5.6%20.73-7.2%22.33+9.3%20.43+4.8%19.50+10.6%17.63+5.3%16.74
Tangible Book Value Per Share per share22.50+13.1%19.89+3.9%19.14+6.6%17.95-8.2%19.55+10.9%17.63+5.2%16.76+12.6%14.89+6.4%13.99
Tier 1 Capital283.50+7.4%263.96+5.0%251.28+3.8%242.03+11.8%216.43+12.3%192.76+7.8%178.77+8.3%165.12+7.8%153.11
Tier 2 Capital26.08+1.2%25.78+2.6%25.12+49.3%16.82+7.7%15.62-4.5%16.35+40.5%11.64+3.7%11.23+3.7%10.83
Full-Time Employees people278-1.4%282+2.5%275-1.4%279+3.7%269+5.5%255+4.1%245+2.5%239+1.7%235
Price to Book Ratio ratio1.441.191.381.501.411.241.551.491.64
Return on Assets %1.090.891.041.481.481.221.271.241.06
Return on Equity %12.8410.9112.5116.4315.4512.4412.6312.6210.80
Return on Invested Capital %9.077.7712.1216.9812.069.7311.479.176.61
Current Ratio ratio0.020.030.020.020.070.080.040.050.03

Cash flow, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
MetricTTM2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/20212020FY12/31/20202019FY12/31/20192018FY12/31/2018
Funds from Operations48.2241.30+27.5%32.38-0.7%32.61-26.3%44.27+12.6%39.32+17.4%33.48+10.0%30.44+8.8%27.97
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-13.43-3.49-6.34-260.9%3.94-4.02-143.4%9.27-8.39-4.89-198.0%4.99
Cash from Operating Activities34.7937.81+45.1%26.05-28.7%36.55-9.2%40.25-17.2%48.59+93.7%25.09-1.8%25.56-22.5%32.96
Capital Expenditures-2.22-3.22-1.48-2.63-1.40-3.76-2.54-1.57-1.48
Net Assets From Acquisitions0.000.000.000.000.000.00-6.060.000.00
Sale of Fixed Assets and Businesses0.010.020.000.00-100.0%0.040.00-100.0%0.070.000.00
Purchase or Sale of Investments-13.1538.02+104.0%18.64+8.4%17.20-43.06-21.40-35.34-58.45-22.40
Purchase of Investments-69.24-15.36-29.47-88.58-102.96-226.28-362.87-170.11-90.05
Sale Or Maturity of Investments56.0953.37+10.9%48.11-54.5%105.78+76.6%59.90-70.8%204.88-37.4%327.53+193.3%111.67+65.0%67.66
Other Uses0.000.000.000.000.000.00-0.720.000.00
Other Sources0.000.000.000.000.000.000.000.000.00
Cash from Investing Activities-59.23-3.00-217.42-199.44-246.61-193.65-252.46-115.78-111.20
Cash Dividends Paid-16.77-16.35-15.80-15.42-14.78-13.95-13.33-12.96-12.05
Change in Capital Stock0.680.63-4.5%0.66+15.8%0.57+9.6%0.52+18.2%0.44-13.7%0.51+8.5%0.47+4.4%0.45
Repurchase of Common Pref Stock-0.32-0.28-0.21-0.25-0.28-0.25-0.16-0.18-0.17
Sale of Common Pref Stock1.000.92+5.7%0.87+6.1%0.82+2.5%0.80+15.9%0.69+3.0%0.67+3.1%0.65+4.8%0.62
Proceedsfrom Stock Options1.000.92+5.7%0.87+6.1%0.82+2.5%0.80+15.9%0.69+3.0%0.67+3.1%0.65+4.8%0.62
Issuance or Reduction of Debt, Net-8.0941.54-45.8%76.63-33.83-32.86-125.70-263.1%77.08-25.36-18.44
Change in Long Term Debt-25.000.50-99.5%95.00-0.08-55.01-0.01-100.0%44.99-25.36-80.00
Issuance of Long Term Debt0.000.50-99.5%95.000.000.000.00-100.0%55.000.000.00
Reduction of Long Term Debt-25.000.000.00-0.08-55.01-0.01-10.01-25.36-80.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.000.00
Other Financing Activities Uses---0.000.000.00-0.000.00
Cash from Financing Activities24.95-34.67-118.5%187.07+8.7%172.10-17.4%208.46+49.5%139.48-41.7%239.15+179.6%85.53+9.4%78.16
Net Change in Cash0.510.14-4.31-146.8%9.21+340.7%2.09-5.58-147.4%11.78-4.70-0.07
Free Cash Flow32.5734.59+40.8%24.57-27.6%33.92-12.7%38.84-13.4%44.84+98.8%22.55-6.0%23.98-23.8%31.48
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow ratio23.8116.2434.7416.9113.7211.1730.1129.8714.69
Federal Home Loan Advances Increase (Decrease)--1.07-3.82-864.0%0.50-66.2%1.48-71.4%5.18-1.56-160.0%2.60-1.23

Balance sheet, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q39/30/20262026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/2024
Cash & Due from Banks32.12+1.6%29.76+8.8%23.61-10.7%27.78+0.5%31.61-10.0%27.36-1.7%26.43+10.7%27.64-13.5%
Investments655.99+0.2%645.31-2.5%654.59-1.5%640.49-5.9%654.82-5.1%661.53-5.1%664.29-0.6%680.81+0.3%
Net Loans2,417.74+1.9%2,399.16+1.3%2,379.94+0.9%2,368.74+2.3%2,373.43+3.9%2,369.18+6.6%2,358.04+9.7%2,316.07+10.0%
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.00
Net Property, Plant & Equipment28.28+1.3%28.35+0.5%28.72+0.3%28.77+3.3%27.92+1.7%28.20+1.0%28.63+0.7%27.86-2.9%
Interest Receivables17.05+4.9%20.11+3.7%19.25+7.4%14.19+1.5%16.26+11.4%19.39+9.2%17.92+12.2%13.98+17.6%
Deferred Tax Assets---15.95-16.4%---19.07+72.9%
Other Intangible Assets100.57+6.5%93.41-0.5%94.66+2.8%77.50-1.4%94.45+2.8%93.86+3.1%92.07+0.3%78.62-0.3%
Total Assets3,251.78+1.7%3,216.10+0.5%3,200.76+0.4%3,173.42+0.3%3,198.48+1.8%3,199.51+3.7%3,187.37+7.0%3,164.21+7.4%
Total Deposits2,786.67+1.8%2,679.78-0.9%2,664.64-1.7%2,664.75-2.2%2,737.55+1.3%2,705.34+4.9%2,711.34+6.4%2,725.25+4.8%
Total Debt144.88-5.3%214.07+9.1%195.80+5.6%188.30+28.2%152.97+1.3%196.17-14.9%185.44+19.8%146.84+108.9%
Long Term Debt70.50-26.2%35.50-62.6%95.50+36.4%95.89+0.4%95.50+0.5%95.00+35.7%70.000.0%95.47+16948.2%
Provision for Risks Charges3.08-8.1%2.97-11.3%2.96-8.9%3.02-8.2%3.350.0%3.35-4.3%3.25-7.7%3.29-16.1%
Deferred Tax Liabilities---7.12-1.1%---7.20+2.4%
Other Liabilities29.00-3.5%26.32-9.7%50.58+82.9%27.09-7.0%30.04+4.7%29.16+3.8%27.66-2.1%29.13+28.3%
Total Liabilities2,963.63+1.4%2,923.14-0.4%2,913.98-0.5%2,890.28-0.7%2,923.91+1.3%2,934.02+3.3%2,927.69+7.0%2,911.72+7.7%
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.00
Common Equity288.15+4.9%292.96+10.3%286.78+10.4%283.14+12.1%274.57+6.9%265.49+8.5%259.68+7.0%252.49+3.9%
Total Shareholders Equity288.15+4.9%292.96+10.3%286.78+10.4%283.14+12.1%274.57+6.9%265.49+8.5%259.68+7.0%252.49+3.9%
Accumulated Minority Interest0.000.000.000.000.000.000.000.00
Total Equity288.15+4.9%292.96+10.3%286.78+10.4%283.14+12.1%274.57+6.9%265.49+8.5%259.68+7.0%252.49+3.9%
Total Liabilities & Stockholders Equity3,251.78+1.7%3,216.10+0.5%3,200.76+0.4%3,173.42+0.3%3,198.48+1.8%3,199.51+3.7%3,187.37+7.0%3,164.21+7.4%
Book Value Per Share per share25.53+4.3%25.97+9.6%25.44+9.7%25.23+11.5%24.48+6.3%23.69+7.9%23.19+6.4%22.63+3.3%
Tangible Book Value Per Share per share22.82+4.9%23.26+11.0%22.73+11.1%22.50+13.1%21.75+7.2%20.96+9.1%20.46+7.5%19.89+3.9%
Full-Time Employees people---278-1.4%---282+2.5%
Price to Book Ratio ratio1.441.371.111.081.111.101.091.19
Return on Assets %1.221.181.141.090.990.950.910.89
Return on Equity %14.0013.5413.2912.8411.8611.7611.1910.91
Return on Invested Capital %2.982.912.352.682.452.242.152.09
Current Ratio ratio0.020.020.030.020.020.040.030.03

Cash flow, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q39/30/20262026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/2024
Funds from Operations12.86+18.5%11.95+24.6%11.52+28.4%11.89+20.3%10.85+33.0%9.59+28.2%8.97+30.8%9.88+27.5%
Extraordinary Item0.000.000.000.000.000.000.000.00
Changes in Working Capital-3.19-236.3%-24.7411.203.30+105.0%2.34+51.9%-2.28-6.841.61-39.2%
Cash from Operating Activities9.67-26.7%-12.79-275.0%22.72+971.7%15.20+32.3%13.19+36.0%7.31+14.9%2.1211.49+10.6%
Capital Expenditures-0.07-0.19-0.53-1.43-0.30-0.14-1.35-0.98
Net Assets From Acquisitions0.000.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.010.00-100.0%0.00-100.0%0.00-0.020.020.020.00
Purchase or Sale of Investments-22.21-251.3%-16.86-444.8%7.63+4986.7%18.29+138.5%14.684.89+136.2%0.15-98.4%7.67-67.3%
Purchase of Investments-33.38-27.85-8.020.00-0.50-5.21-9.65-8.96
Sale Or Maturity of Investments11.17-26.4%10.99+8.8%15.65+59.5%18.29+10.0%15.18+55.5%10.10-2.3%9.81-13.7%16.63-79.9%
Other Uses0.000.000.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.000.000.00
Cash from Investing Activities-40.97-785.1%-10.43-30.6722.845.98-7.20-24.62-33.13-471.8%
Cash Dividends Paid-4.29-4.29-4.04-4.15-4.15-4.15-3.90-3.88
Preferred Dividends (Cash Flow)0.000.000.000.000.000.000.000.00
Change in Capital Stock0.24+9.1%0.25+8.7%-0.040.24+4.3%0.220.0%0.23+4.5%-0.050.23+9.5%
Repurchase of Common Pref Stock-0.03-0.02-0.280.00-0.010.00-0.280.00
Sale of Common Pref Stock0.27+17.4%0.27+17.4%0.24+4.3%0.24+4.3%0.23+4.5%0.23+4.5%0.23+15.0%0.23+9.5%
Proceedsfrom Stock Options0.27+17.4%0.27+17.4%0.24+4.3%0.24+4.3%0.23+4.5%0.23+4.5%0.23+15.0%0.23+9.5%
Issuance or Reduction of Debt, Net-69.1918.27+70.3%7.97-79.7%34.85-43.2010.73-85.9%39.17-54.0%-4.75
Change in Long Term Debt0.00-100.0%-25.00-200.0%0.000.000.50-98.0%25.00-25.00-135.7%0.00
Issuance of Long Term Debt0.00-100.0%0.000.000.000.50-98.0%0.000.00-100.0%0.00
Reduction of Long Term Debt0.00-25.00-200.0%0.000.000.0025.00-25.000.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.00--0.000.00-
Cash from Financing Activities33.6629.37+3525.9%3.79-82.2%-41.86-396.0%-14.92-136.2%0.81-99.2%21.30-30.3%14.14
Net Change in Cash2.36-44.5%6.15+561.3%-4.17-3.834.25-41.9%0.93-76.4%-1.20-7.50-465.9%
Free Cash Flow9.60-25.5%-12.98-280.8%22.19+2781.8%13.76+30.8%12.89+34.4%7.18+14.0%0.7710.52+5.1%
Price to Free Cash Flow ratio23.8120.427.9816.2619.2723.4824.2934.94

Revenue breakdown

USD millions, so a column adds up to the income statement. Share is of the latest year in that split. The change is versus the older year shown, not TTM.

Product
Name20242025vs 20242025 share
National Commercial Banks80.2794.72+18.0%100.0%
Total80.2794.72+18.0%100.0%
Region
Name20242025vs 20242025 share
United States80.2794.72+18.0%100.0%
Total80.2794.72+18.0%100.0%

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-301.50%0.1M9.8M33.87K
2026-10-151.52%0.1M9.8M34.43K
2026-09-301.50%0.1M9.8M32.59K
2026-09-151.64%0.2M9.8M36.13K
2026-08-311.44%0.1M9.8M35.53K
2026-08-141.25%0.1M9.8M34.24K
2026-07-311.24%0.1M9.8M32.35K
2026-07-151.17%0.1M9.8M28.00K
2026-06-301.19%0.1M9.8M26.97K
2026-06-150.86%0.1M9.8M18.98K
2026-05-290.84%0.1M9.8M18.51K
2026-05-150.70%0.1M9.8M18.19K
2026-04-300.74%0.1M9.8M19.83K
2026-04-150.75%0.1M9.8M20.26K
2026-03-310.82%0.1M9.8M20.18K
2026-03-130.84%0.1M9.8M19.89K
2026-02-270.60%0.1M9.8M19.76K
2026-02-130.66%0.1M9.8M20.11K
2026-01-300.59%0.1M9.8M18.45K
2026-01-150.65%0.1M9.8M19.20K

Option chain

Expiry 2026-11-20 · underlying 36.78, quoted 12 Nov 15:59 ET · ATM 35.00

Option quotes 26 Oct 10:37 ET. A date on a row is older than the last session (12 Nov). 16 rows.

Implied move 13.93% into expiry (call 2.825 + put 2.300 = 5.125 on 36.78)

Put/call open interest — no calls · Put/call volume — no calls

IV change is points against the prior close.

TypeStrikeMoneyBidAskLastChgIVOpen intVolumeLast sizeDeltaThetaVega
call 1 Jan20.00ITM15.6019.000.000.00506.2% +255.30000.966-0.0610.004
put 1 JanOTM0.004.400.000.00251.0% 0.0000-0.033-0.0630.004
call 1 Jan22.50ITM13.1016.500.000.00433.5% +224.70000.960-0.0590.005
put 1 JanOTM0.004.400.000.00208.9% 0.0000-0.039-0.0610.005
call 1 Jan25.00ITM10.6014.500.000.00405.6% +234.80000.952-0.0570.005
put 1 JanOTM0.004.400.000.00170.8% 0.0000-0.048-0.0580.005
call 1 Jan30.00ITM4.508.500.000.00252.7% -115.90000.741-0.4080.017
put 1 JanOTM0.004.400.000.00368.5% 0.0000-0.258-0.4090.017
call 1 Jan35.00ATM0.754.900.000.00188.9% -39.10000.623-0.2970.020
put 26 OctATM0.004.600.400.00241.7% +13.6100-0.376-0.2970.020
call 1 Jan40.00OTM0.004.400.000.00263.5% +10.20000.483-0.3460.021
put 1 JanITM2.154.200.000.0099.7% -153.7000-0.516-0.3460.021
call 1 Jan45.00OTM0.004.400.000.00332.2% 0.00000.432-0.4480.021
put 1 JanITM6.0010.500.000.00229.4% -102.8000-0.567-0.4470.021
call 1 Jan50.00OTM0.004.400.000.00386.5% 0.00000.398-0.5120.021
put 1 JanITM11.6015.500.000.00280.3% -106.2000-0.602-0.5100.021

Latest SEC filings

30 of 597
AllAll annual, quarterly, and current reportsInsider equity awards, transactions, and ownership (Section 16 Reports)Beneficial ownership reportsExempt offeringsRegistration statements and prospectusesFiling review correspondenceSEC orders and noticesProxy materialsTender offers and going private transactionsTrust indenture filings

10-Q filed 2026-11-05, period ended 2026-09-30. 10-K filed 2026-03-06, period ended 2025-12-31. FNLC on EDGAR

page 1 of 20Next →
FiledFormDescriptionPeriodDocument
2026-11-0510-QAll annual, quarterly, and current reports2026-09-300000765207-26-000117 index
2026-10-2613F-HRAll annual, quarterly, and current reports2026-09-300000765207-26-000114 index
2026-10-218-KAll annual, quarterly, and current reports2026-10-210000765207-26-000112 index
2026-09-248-KAll annual, quarterly, and current reports2026-09-240000765207-26-000110 index
2026-08-17N-PXAll annual, quarterly, and current reports2026-06-300001438934-26-000908 index
2026-08-1113F-HRAll annual, quarterly, and current reports2026-06-300000765207-26-000108 index
2026-08-0710-QAll annual, quarterly, and current reports2026-06-300000765207-26-000106 index
2026-07-294Insider equity awards, transactions, and ownership (Section 16 Reports)2026-07-28 · transaction0000765207-26-000100 index
2026-07-27144no categoryno report period0002116510-26-000003 index
2026-07-228-KAll annual, quarterly, and current reports2026-07-220000765207-26-000098 index
2026-07-088-KAll annual, quarterly, and current reports2026-07-080000765207-26-000095 index
2026-07-014Insider equity awards, transactions, and ownership (Section 16 Reports)2026-07-01 · transaction0000765207-26-000093 index
2026-06-258-KAll annual, quarterly, and current reports2026-06-250000765207-26-000091 index
2026-05-188-K/AAll annual, quarterly, and current reports2026-04-290000765207-26-000089 index
2026-05-0810-QAll annual, quarterly, and current reports2026-03-310000765207-26-000087 index
2026-05-074Insider equity awards, transactions, and ownership (Section 16 Reports)2026-05-07 · transaction0000765207-26-000085 index
2026-05-014Insider equity awards, transactions, and ownership (Section 16 Reports)2026-04-30 · transaction0000765207-26-000083 index
2026-05-018-KAll annual, quarterly, and current reports2026-04-290000765207-26-000082 index
2026-05-018-KAll annual, quarterly, and current reports2026-04-290000765207-26-000080 index
2026-05-018-KAll annual, quarterly, and current reports2026-04-290000765207-26-000078 index
2026-04-228-KAll annual, quarterly, and current reports2026-04-220000765207-26-000074 index
2026-04-2013F-HRAll annual, quarterly, and current reports2026-03-310000765207-26-000072 index
2026-03-268-KAll annual, quarterly, and current reports2026-03-260000765207-26-000070 index
2026-03-09ARSProxy materials2025-12-310001104659-26-025040 index
2026-03-06DEF 14AProxy materials2026-04-290001104659-26-024669 index
2026-03-0610-KAll annual, quarterly, and current reports2025-12-310000765207-26-000067 index
2026-02-024Insider equity awards, transactions, and ownership (Section 16 Reports)2026-01-29 · transaction0000765207-26-000063 index
2026-02-024Insider equity awards, transactions, and ownership (Section 16 Reports)2026-01-29 · transaction0000765207-26-000062 index
2026-02-024Insider equity awards, transactions, and ownership (Section 16 Reports)2026-01-29 · transaction0000765207-26-000061 index
2026-01-304Insider equity awards, transactions, and ownership (Section 16 Reports)2026-01-29 · transaction0000765207-26-000057 index

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080000
2026-0700183.14K1
2026-060000
2026-050000
2026-0443.03K100
2026-030000
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.8.04%
First Bancorp, Inc /ME/6.49%
DIMENSIONAL FUND ADVISORS LP4.15%
VANGUARD CAPITAL MANAGEMENT LLC3.87%
MANUFACTURERS LIFE INSURANCE COMPANY, THE3.33%
GEODE CAPITAL MANAGEMENT, LLC2.38%
STATE STREET CORP2.02%
MORGAN STANLEY1.63%
AMERICAN CENTURY COMPANIES INC1.61%
RAYMOND JAMES FINANCIAL INC1.06%

Funds

Fund% owned
VANGUARD TOTAL STOCK MARKET INDEX FUND2.86%
iShares Russell 2000 ETF2.68%
Fidelity Small Cap Index Fund1.09%
Avantis U.S. Small Cap Value ETF1.00%
iShares Russell 2000 Value ETF0.97%
VANGUARD EXTENDED MARKET INDEX FUND0.89%
U.S. Targeted Value Portfolio0.70%
Dimensional U.S. Targeted Value ETF0.59%
U.S. MICRO CAP PORTFOLIO0.58%
VANGUARD RUSSELL 2000 INDEX FUND0.56%

OakChart. FNLC. Cached 15 minutes. Terms

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