First Bancorp Inc (ME) Common Stock (FNLC)

FairStock Score: 74/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

First Bancorp is a small regional bank holding company—278 employees, deposits, and commercial loans—so its edge, if any, comes from local relationships and disciplined underwriting, not from a wide moat. The shares closed at $33.57 on 2026-10-13, and FairStock calculates a P/E of 9.96 and P/B of 1.29, with a 4.54% dividend yield and a low beta of 0.48. That is a reasonable price for a bank earning a FairStock ROE of 13.54%, though not a deep bargain. The latest filed quarter, fiscal Q2 2026 ended 2026-06-30, showed net income of $9.6M and diluted EPS of $0.85; fiscal Q1 2026 was $9.0M and $0.80. FY2025 net income was $34.4M, or $3.07 per diluted share, up from $27.0M and $2.43 in FY2024, though FY2023 was $29.5M and $2.66, so the record is uneven. FairStock's Lynch category is slow grower, based on 4.9% annual profit growth over five years, which makes me discount the recent profit surge. The Piotroski F-score of 3/9 also warns that recent fundamental momentum is weak. For a bank, I would want to see CET1, net interest margin, charge-offs, reserves, and loan concentrations, but none are in the data. At 1.29 times book, the market already credits some of the 13.54% ROE. I see a decent, somewhat cheap small bank, but the opacity around credit and the uneven long-term growth keep me cautious.

In plain English: First Bancorp is a small Maine bank holding company that takes deposits and makes loans to local people and businesses. It earns a solid return on shareholder money and pays a healthy dividend, but its long-term profit growth has been slow and recent quality signals are mixed. The stock price looks reasonable rather than clearly cheap compared with its profits and book value.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q4 2025 10-K (period ended 2025-12-31) · fiscal Q3 2025 10-K (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer