The First Bancorp, Inc.
FNLC scores 41.0 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.
Net penalties of -27.7 points significantly impact the ranking. Without these adjustments, FNLC would rank considerably higher.
These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.
| Stock | Score | P/E | Rev Growth | Margin | Mkt Cap |
|---|---|---|---|---|---|
| FNLC | 41.0 | 9.3 | 7.4% | 19.4% | $323M |
| CME | 86.4 | 27.2 | 9.9% | 57.5% | $112.1B |
| FHB | 84.9 | 11.8 | 3.2% | 24.2% | $3.2B |
| ACT | 84.5 | 8.9 | 2.4% | 54.6% | $6.1B |
| CINF | 84.2 | 10.7 | 11.4% | 18.9% | $25.8B |
| SEIC | 82.2 | 14.0 | 10.7% | 27.3% | $10.1B |
| TROW | 79.9 | 10.1 | 3.1% | 28.5% | $21.1B |
| QQQX | 79.7 | 10.4 | 48.6% | 257.3% | $1.4B |
| IBOC | 78.2 | 10.6 | 7.5% | 40.1% | $4.4B |
| HWC | 77.8 | 12.2 | -1.5% | 24.1% | $5.8B |
| FFIN | 77.5 | 18.8 | 11.7% | 30.7% | $4.8B |
| TRMK | 77.1 | 11.9 | 34.8% | 19.3% | $2.7B |
| NMIH | 77.1 | 7.7 | 8.4% | 55.1% | $3.1B |
| EWBC | 76.7 | 12.7 | 4.6% | 28.3% | $16.0B |
| WSFS | 76.3 | 12.8 | -3.1% | 21.1% | $3.6B |
| MCHB | 76.1 | N/A | 123.7% | 23.2% | $3.3B |
| Sector Average | 47.5 | 26.8 | 13.4% | -2.8% | â |
The First Bancorp, Inc. operates as the holding company for First National Bank that provides a range of banking products and services to individuals and businesses. It offers various deposit products, including demand, NOW, savings, money market, and certificates of deposit accounts. The company also provides commercial real estate loan products, such as mortgage loans to finance investments in real property comprising multi-family residential, commercial/retail, office, industrial, hotel, educational, and other specific or mixed use properties; commercial construction loans to finance construction of owner- and non-owner occupied commercial real estate properties; and other commercial loans, which include revolving and term loan obligations to business and corporate enterprises for the purpose of financing working capital or capital investment. In addition, it offers municipal loans for capitalized expenditures, construction projects, or tax-anticipation notes; residential term loans that include amortizing home mortgages and construction loans, which include loans for owner-occupied residential construction; home equity loans and lines of credit; and consumer loans, which are amortizing loans to individuals collateralized by automobiles, pleasure crafts, and recreation vehicles, as well as unsecured short-term time notes. Further, the company provides private banking, financial planning, investment management, and trust services to individuals, businesses, non-profit organizations, and municipalities, as well as payment processing services. It operates through 18 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.
Stock is in an uptrend above the 200-day moving average. This is the stage where institutional accumulation typically occurs. The 50-day SMA provides support.
| Metric | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|
| Revenue | $45M | $45M | $44M | $43M |
| Gross Profit | $26M | $24M | $22M | $21M |
| Operating Income | $12M | $11M | $10M | $9M |
| Net Income | $10M | $9M | $8M | $7M |
| EPS (Diluted) | $0.91 | $0.81 | $0.72 | $0.63 |
| Gross Margin | 56.2% | 52.4% | 50.2% | 50.1% |
| Operating Margin | 27.4% | 24.4% | 22.4% | 20.1% |
| Net Margin | 22.4% | 20.0% | 18.3% | 16.6% |
This stock has limited trading volume and/or float. Institutional investors may face difficulty entering or exiting positions without significant price impact. A post-hoc penalty has been applied to the composite score (this is not a backtested model factor â it is a practical tradability overlay).
This stock has traded in a compressed range for 3 of the last 5 years (3-year range: 35.1%). Range-bound stocks may indicate limited upside potential. A -2.7pt penalty has been applied.
| Year | Low | High | Range | Status |
|---|---|---|---|---|
| 2021 | $25.24 | $32.63 | 25.5% | Moderate |
| 2022 | $27.42 | $36.80 | 29.2% | Moderate |
| 2023 | $22.33 | $30.84 | 32% | Moderate |
| 2024 | $21.77 | $31.05 | 35.1% | Wide |
| 2025 | $22.11 | $28.60 | 25.6% | Moderate |
Growth estimates have been dampened based on technical and fundamental signals. This is a post-hoc adjustment to prevent overly optimistic projections for stocks showing declining momentum or deteriorating fundamentals.
Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.