Stocks · Financial Services · Banks - Regional
The First Bancorp, Inc. FNLC
$34.21 +1.54% Close, Oct 2, 2026 · NASDAQ · Market cap $385.7M
Strong trend
Next earnings report: Oct 21, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Net debt is 4.3× EBITDA, a high level of leverage.
- The shares trade at 10.2× trailing earnings, higher than 86% of the company's own readings over the past five years.
- The stock is in an uptrend: above its 200-day average for 216 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 30%
- EPS growth (TTM, YoY)Top 42%
- FCF growth (TTM, YoY)Top 42%
- Revenue growth, 3-year CAGRTop 41%
- Revenue growth accelerationBottom 37%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 25%
- Gross marginBottom 27%
- Operating marginTop 45%
- Cash conversion (OCF / net income)Bottom 39%
- Accruals (lower is better)Bottom 36%
- Net debt / EBITDA (lower is better)Bottom 29%
- Interest coverBottom 28%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 17%
- Free-cash-flow yieldTop 41%
- EBITDA / enterprise valueTop 43%
- Sales / enterprise valueBottom 49%
- P/E vs own 5-year history (lower is better)Bottom 19%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 19%
- 6-month returnTop 20%
- 1-year return vs S&P 500Top 19%
- Distance from 52-week highTop 28%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 40%
- Maximum drawdown, 3 yearsTop 44%
- Beta vs S&P 500 (lower is better)Top 27%
- Net debt / EBITDA (lower is better)Bottom 29%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 2.7% | 1.1% | ↓ |
| EPS growth (YoY) | 29.1% | 25.7% | ↓ |
| Gross margin | 49.5% | 54.4% | ↑ |
| Operating margin | 21.0% | 23.8% | ↑ |
| FCF margin | 16.3% | 20.5% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 1.1% | 2.7% | ↓ | Bottom 30% |
| EPS growth (TTM, YoY) | 25.7% | 29.1% | ↓ | Top 42% |
| Gross margin | 54.4% | 49.5% | ↑ | Bottom 27% |
| Operating margin | 23.8% | 21.0% | ↑ | Top 45% |
| Net margin | 21.7% | 17.4% | ↑ | — |
| Free-cash-flow margin | 20.5% | 16.3% | ↑ | — |
| Return on invested capital | 6.4% | — | Top 25% | |
| Revenue growth, 3-year CAGR | 17.3% | — | Top 41% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.01×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.4%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +2.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 4.27×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.5×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 4.31%
- Net buyback yield (TTM)
- -0.17%
- Shareholder yield
- 4.14%
- Share count change, 1 year
- +0.5%
- Share count change, 3-year CAGR
- +0.5%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- +0.3%
- Positive 20 days after report
- 4 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | — | -0.8% | +3.7% | +4.2% | — |
| Apr 22, 2026 | — | -0.3% | +2.4% | -0.9% | +20.3% |
| Jan 21, 2026 | — | +3.8% | +1.5% | +8.3% | +7.7% |
| Oct 22, 2025 | — | +1.7% | +0.2% | -1.6% | +7.7% |
| Jul 23, 2025 | — | +0.7% | -3.5% | -1.2% | -5.0% |
| Apr 23, 2025 | — | -0.8% | +1.4% | +1.9% | +9.5% |
| Jan 22, 2025 | — | -1.3% | -3.5% | -0.6% | -12.8% |
| Oct 23, 2024 | — | -0.4% | +1.3% | +9.2% | +1.0% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $0.85 | — | — | $44.5M |
| Apr 22, 2026 | $0.80 | — | — | $39.1M |
| Jan 21, 2026 | $0.91 | — | — | $45.5M |
| Oct 22, 2025 | $0.81 | — | — | $45.5M |
| Jul 23, 2025 | $0.72 | — | — | $44.0M |
| Apr 23, 2025 | $0.63 | — | — | $42.7M |
| Jan 22, 2025 | $0.65 | — | — | $43.7M |
| Oct 23, 2024 | $0.68 | — | — | $42.4M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.2× | 9.0× | 86th | Top 17% |
| EV / EBITDA | 13.2× | — | — | Top 43% |
| EV / Sales | 3.27× | — | — | Bottom 49% |
| Free-cash-flow yield | 9.28% | — | — | Top 41% |
| Earnings yield | 9.85% | — | — | Top 17% |
P/E over the past five years
Range 6.8× – 12.4× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +31.7%
- Earnings per share growth (TTM)
- +25.7%
- Change in P/E multiple
- +11.1%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 216
- 50-day average slope (20 days)
- +0.3%
- 200-day average slope (20 days)
- +2.9%
- Distance from 50-day average
- -1.9%
- Distance from 200-day average
- +11.7%
- RSI (14)
- 46.9
- Relative volume
- 0.87×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.9%
- Volatility vs own 5-year history
- 2th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.36
- Correlation with S&P 500
- 0.20
- Current drawdown from 1-year high
- -4.1%
- Maximum drawdown, 3 years
- -27.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 14, 2022 | Apr 16, 2024 | -34.9% | 564 days | 547 days (Jun 23, 2026) |
| Jun 8, 2021 | Sep 20, 2021 | -16.2% | 72 days | 74 days (Jan 4, 2022) |
| Jan 14, 2021 | Jan 29, 2021 | -12.2% | 10 days | 24 days (Mar 5, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $385.7M
- P/E (TTM)
- 10.2
- EPS, diluted (TTM)
- $3.37
- Revenue (TTM)
- $174.6M
- Dividend yield
- 5.47%
- 52-week range
- $24.08 – $36.30
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $96.5M | $109.9M | $143.6M | $165.4M | $177.6M |
| Gross profit | $86.1M | $91.3M | $79.5M | $79.7M | $92.9M |
| Operating income | $43.9M | $47.4M | $35.7M | $32.6M | $41.9M |
| Net income | $36.3M | $39.0M | $29.5M | $27.0M | $34.4M |
| EPS (diluted) | $3.30 | $3.53 | $2.66 | $2.43 | $3.07 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $42.4M | $43.7M | $42.7M | $44.0M | $45.5M | $45.5M | $39.1M | $44.5M |
| Net income | $7.6M | $7.3M | $7.1M | $8.1M | $9.1M | $10.2M | $9.0M | $9.6M |
| EPS (diluted) | $0.68 | $0.65 | $0.63 | $0.72 | $0.81 | $0.91 | $0.80 | $0.85 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $56.7M | $41.2M | $36.9M | $26.0M | $37.8M |
| Capital expenditure | -$3.8M | -$1.4M | -$2.6M | -$1.5M | -$3.2M |
| Free cash flow | $52.9M | $39.8M | $34.3M | $24.6M | $34.6M |
| Dividends paid | -$13.9M | -$14.8M | -$15.4M | -$15.8M | -$16.3M |
| Net share buybacks | $436,000 | $519,000 | $567,000 | $655,000 | $634,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $29.8M
- Total assets
- $3.22B
- Total liabilities
- $2.92B
- Total debt
- $214.1M
- Net debt
- $184.3M
- Shareholders’ equity
- $293.0M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Oct 6, 2026 | $0.38 | Oct 16, 2026 |
| Jul 7, 2026 | $0.38 | Jul 17, 2026 |
| Apr 7, 2026 | $0.37 | Apr 17, 2026 |
| Jan 6, 2026 | $0.37 | Jan 16, 2026 |
| Oct 6, 2025 | $0.37 | Oct 16, 2025 |
| Jul 8, 2025 | $0.37 | Jul 18, 2025 |
| Apr 8, 2025 | $0.36 | Apr 18, 2025 |
| Jan 6, 2025 | $0.36 | Jan 16, 2025 |
Short interest
- Shares sold short
- 160,270
- Days to cover
- 6.75
- Change vs previous report
- +13.8%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jun 2, 2004
- 3-for-1