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First Bancorp, Inc /ME/ FNLC

Nasdaq · stock · National Commercial Banks · website · IPO 1999-07-14

First Bancorp, Inc /ME/ statistics & valuation

Market cap$400.4M
P / E11.6×
P / B1.4×
P / FCF11.6×
Dividend yield4.08%
Return on equity12.1%
Net debt$95.5M
Enterprise value USD$495.9M
Graham number +17.1%$41.75

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($41.75); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
10.40% 10.80% 12.30% 12.00% 12.10% 14.80% 17.00% 12.10% 10.70% 12.10% 2016201720182019202020212022202320242025
Shares outstanding
10.8M 10.8M 10.9M 10.9M 11.0M 11.0M 11.0M 11.1M 11.2M 11.2M 2016201720182019202020212022202320242025
Net debt ($)
$102.8M $95.9M $46.0M -$4.3M $55.1M $55.1M $84000 $0 $95.0M $95.5M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
1.10% 1.10% 1.20% 1.20% 1.10% 1.40% 1.40% 1.00% 0.90% 1.10% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
0.70× 0.63× 0.34× 0.05× 0.25× 0.22× 0.00× 0.00× 0.38× 0.34× 2016201720182019202020212022202320242025
EPS ($)
$1.66 $1.81 $2.17 $2.34 $2.48 $3.30 $3.53 $2.66 $2.43 $3.07 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

First Bancorp, Inc /ME/ trades at about 11.6× earnings — near its 10-year norm (10-year range 8.4×–16.3×, median 10.6×).

8.4× 16.3×

Shaded band = 10-year range (8.4×–16.3×); dot = today's 11.6×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets1.1%0.9%1.0%1.4%1.4%1.1%1.2%1.2%1.1%1.1%
Return on equity12.1%10.7%12.1%17.0%14.8%12.1%12.0%12.3%10.8%10.4%
Debt / equity0.34×0.38×0.00×0.00×0.22×0.25×0.05×0.34×0.63×0.70×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.