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Upturn AI Summary - About
First Bancorp Inc(FNLC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FNLC
09/25/2026: FNLC (2-star) has a low Upturn Star Rating. Not recommended to BUY.
First Bancorp Inc is a stable regional bank holding company that primarily provides commercial and retail banking services across Maine. The company has a solid reputation for conservative lending and consistently returning value to shareholders through dividends. Its main growth opportunity lies in deepening its presence in the Maine market and expanding its fee-based wealth management services. However, investors must monitor risks related to its geographic concentration in Maine, potential interest rate volatility, and competition from larger national financial institutions. The stock may best suit value and dividend-focused investors seeking steady income and a lower-risk profile, provided they are comfortable with the inherent limitations of a community-focused bank.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company is a mature regional bank focused on stability rather than rapid capital appreciation. |
| Momentum investor | Weak fit | The stock typically exhibits low beta and steady price action rather than high-momentum growth. |
| Value investor | Strong fit | The stock is often viewed as a value play due to its stable earnings, book value, and long-term dividend history. |
| Dividend investor | Strong fit | The company has a consistent history of dividend payments, making it suitable for income-oriented portfolios. |
| Low-risk investor | Strong fit | The company's focus on conservative community banking results in lower volatility compared to the broader market. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock typically experiences lower volatility than the broader equity market due to its regional bank profile. |
| Valuation risk | Low | Valuations are generally tethered to tangible book value, limiting the risk of extreme overvaluation. |
| Competition risk (regional banking peers) | Medium | Intense competition from other Maine-based financial institutions could impact market share and pricing power. |
| Business quality | Medium | The business relies on a traditional model that is highly dependent on the local economic climate. |
| Dividend income | Low | The company has a consistent history of payout, making the income stream relatively reliable for investors. |
| Execution risk | Low | Management has a proven track record of operating within its established regional niche. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -3.54% | Avg. Invested days 43 | Today’s Advisory WEAK BUY |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 387.55M USD | Price to earnings Ratio 10.19 | 1Y Target Price - |
Price to earnings Ratio 10.19 | 1Y Target Price - | ||
Volume (30-day avg) 32.3K shares | Beta 0.47 | 52 Weeks Range 23.20 - 36.30 | Updated Date 09/27/2026 |
52 Weeks Range 23.20 - 36.30 | Updated Date 09/27/2026 | ||
Dividends yield (FY) 4.36% | Basic EPS (TTM) 3.37 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial, residential, and consumer loans minus interest paid on deposits. | The bank makes the bulk of its money by lending money to the community at higher rates than it pays to depositors. |
| Non-Interest Income | Fees from wealth management, trust services, service charges, and electronic banking services. | The company supplements its lending income through service-based fees and advisory services. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 10.19 | Forward PE 12.2 | Enterprise Value 568.24M | Price to Sales(TTM) 3.92 |
Enterprise Value 568.24M | Price to Sales(TTM) 3.92 | ||
Enterprise Value to Revenue 5.89 | Enterprise Value to EBITDA - | Shares Outstanding 11.28M | Shares Floating 10.68M |
Shares Outstanding 11.28M | Shares Floating 10.68M | ||
Percent Insiders 4.88 | Percent Institutions 54.26 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About First Bancorp Inc
Exchange NASDAQ | Headquarters 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 278 | Website https://www.thefirst.com |
Full time employees 278 | 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. It accepts various deposit products, including demand, NOW, time, savings, money market, and certificates of deposit accounts. The company 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, it 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, the company 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. It 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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