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Upturn AI SWOT - About
FNLC 
First Bancorp Inc (FNLC)
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Upturn Advisory Summary
10/15/2025: FNLC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -32.42% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 283.98M USD | Price to earnings Ratio 10.06 | 1Y Target Price - |
Price to earnings Ratio 10.06 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.53 | 52 Weeks Range 22.02 - 30.18 | Updated Date 06/29/2025 |
52 Weeks Range 22.02 - 30.18 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 5.84% | Basic EPS (TTM) 2.52 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 34.22% | Operating Margin (TTM) 43.28% |
Management Effectiveness
Return on Assets (TTM) 0.91% | Return on Equity (TTM) 11.19% |
Valuation
Trailing PE 10.06 | Forward PE - | Enterprise Value 441704640 | Price to Sales(TTM) 3.46 |
Enterprise Value 441704640 | Price to Sales(TTM) 3.46 | ||
Enterprise Value to Revenue 5.62 | Enterprise Value to EBITDA - | Shares Outstanding 11202300 | Shares Floating 9765056 |
Shares Outstanding 11202300 | Shares Floating 9765056 | ||
Percent Insiders 4.78 | Percent Institutions 50.57 |
Upturn AI SWOT
First Bancorp Inc
Company Overview
History and Background
First Bancorp, Inc. was founded in 1948 and is headquartered in Southern Pines, North Carolina. Initially serving local communities, it has grown through organic expansion and acquisitions, becoming a prominent regional bank in the Southeast.
Core Business Areas
- Community Banking: Offers a range of banking products and services, including deposit accounts, loans, and other financial services to individuals, small businesses, and commercial clients within their local communities.
- Mortgage Banking: Provides mortgage loan origination and servicing. Helping customers with home purchases and refinancing.
- Wealth Management: Offers investment and trust services to individuals and institutions. Services include investment advisory and wealth management
Leadership and Structure
The leadership team consists of Richard H. Moore, CEO, and other key executives. The organizational structure is typical of a regional bank, with various departments overseeing different business lines and support functions.
Top Products and Market Share
Key Offerings
- Commercial Lending: Loans to businesses for various purposes, including operations and expansion. Market share data isn't readily available, but competition includes Truist Financial (TFC) and Bank of America (BAC).
- Competitors: Truist Financial (TFC), Bank of America (BAC)
- Competitors: Wells Fargo (WFC), PNC Financial Services (PNC)
- Retail Banking Services: Checking accounts, savings accounts, and personal loans. Market share depends on specific geographic areas. Competitors include Wells Fargo (WFC) and PNC Financial Services (PNC).
- Competitors: Rocket Companies (RKT), PennyMac Financial Services (PFSI)
- Mortgage Lending: Home loans for purchase or refinancing. The mortgage market is highly competitive, with numerous national and regional lenders. Competitors include Rocket Companies (RKT) and PennyMac Financial Services (PFSI).
Market Dynamics
Industry Overview
The banking industry is currently influenced by interest rate fluctuations, regulatory changes, technological advancements, and economic conditions. Regional banks face competition from larger national banks and fintech companies.
Positioning
First Bancorp Inc. is a regional bank focused on community banking. Its competitive advantages include strong local relationships, personalized service, and a deep understanding of the markets it serves.
Total Addressable Market (TAM)
The TAM for community banking is very large across the United States. First Bancorp is positioned well for local markets.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Solid asset quality
- Customer loyalty
- Diversified revenue streams
Weaknesses
- Limited geographic reach compared to national banks
- Dependence on regional economy
- Higher operating costs than larger banks
- Vulnerable to interest rate volatility
- Regulatory compliance costs
Opportunities
- Expansion into new markets
- Acquisitions of smaller banks
- Increased digitalization of services
- Growing demand for wealth management
- Cross-selling opportunities
Threats
- Increased competition from larger banks and fintech firms
- Economic downturns
- Regulatory changes
- Cybersecurity threats
- Rising interest rates
Competitors and Market Share
Key Competitors
- Truist Financial (TFC)
- Bank of America (BAC)
- Wells Fargo (WFC)
Competitive Landscape
First Bancorp Inc has a strong local presence but faces competition from larger national banks with greater resources and broader service offerings. First Bancorp's personalized service and community focus can be an advantage. However, technological adoption and diversification are important to keep pace.
Major Acquisitions
GrandSouth Bancorporation
- Year: 2022
- Acquisition Price (USD millions): 181.1
- Strategic Rationale: Expansion into the South Carolina market.
Growth Trajectory and Initiatives
Historical Growth: Unable to provide real time data. Financial data changes by the day and requires a plugin
Future Projections: Unable to provide real time data. Financial data changes by the day and requires a plugin
Recent Initiatives: Unable to provide real time data. Financial data changes by the day and requires a plugin
Summary
First Bancorp Inc. is a regional bank with a solid local presence and customer loyalty, but it faces competition from larger banks and fintech firms. Its strengths lie in its community focus and customer service, while its weaknesses include limited geographic reach and dependence on the regional economy. To maintain growth, First Bancorp must focus on strategic acquisitions, digital innovation, and regulatory compliance. The company appears to be growing and keeping up with competitors in the market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, Third-party financial data providers, Industry reports
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered as financial advice. Market conditions and company performance can change rapidly.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Bancorp Inc
Exchange NASDAQ | Headquaters Damariscotta, ME, United States | ||
IPO Launch date 1999-07-15 | President, CEO & Director Mr. Tony C. McKim | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 284 | Website https://www.thefirst.com |
Full time employees 284 | Website https://www.thefirst.com | ||
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. The company accepts various deposit products, including demand, NOW, time, savings, money market, and certificates of deposit accounts. It 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, the company 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, it 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. The company 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.
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