How to buy First Bancorp stock (FNLC)

First Bancorp is a banks - regional business based in the US. First Bancorp shares (FNLC) are listed on the NASDAQ and all prices are listed in US Dollars. Its last market close was $27.71 – a decrease of 1.6% over the previous week. First Bancorp employs 271 staff and has a trailing 12-month revenue of around $78.2 million.

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First Bancorp stock price (NASDAQ: FNLC)

Use our graph to track the performance of FNLC stocks over time.

First Bancorp shares at a glance

• Key figures

Information last updated 2024-12-18.

Latest market close	$27.71
52-week range	$21.15 - $31.05
50-day moving average more info button	$27.73
200-day moving average more info button	$25.38
Wall St. target price	N/A
PE ratio more info button	11.1639
Dividend yield more info button	$1.42 (5.43%)
Earnings per share (TTM) more info button	$2.38

Is it a good time to buy First Bancorp stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

First Bancorp price performance over time

Historical closes compared with the close of $27.71 from 2024-12-20

1 week (2024-12-13)	-1.60%
1 month (2024-11-22)	-5.43%
3 months (2024-09-20)	5.12%
6 months (2024-06-21)	22.02%

1 year (2023-12-22)	-2.26%
2 years (2022-12-22)	4.58%
3 years (2021-12-22)	6.79%
5 years (2019-12-20)	16.32%

Is First Bancorp stock undervalued or overvalued?

Valuing First Bancorp stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of First Bancorp's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

First Bancorp's P/E ratio

First Bancorp's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 11x. In other words, First Bancorp shares trade at around 11x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

First Bancorp financials

Revenue TTM	$78.2 million
Operating margin TTM	46.33%
Gross profit TTM	$91.3 million
Return on assets TTM	0.87%
Return on equity TTM	10.94%
Profit margin	33.82%
Book value	$23.03
Market Capitalization more info button	$296.3 million

TTM: trailing 12 months

First Bancorp share dividends

Dividend payout ratio: 77.99% of net profits

Recently First Bancorp has paid out, on average, around 100% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 0% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), First Bancorp shareholders could enjoy a 0% return on their shares, in the form of dividend payments. In First Bancorp's case, that would currently equate to about $1.42 per share.

First Bancorp's payout ratio would broadly be considered high, and as such this stock could appeal to those looking to generate an income. Bear in mind however that companies should normally also look to re-invest a decent amount of net profits to ensure future growth.

First Bancorp's most recent dividend payout was on 17 October 2024. The latest dividend was paid out to all shareholders who bought their shares by 7 October 2024 (the "ex-dividend date").

Have First Bancorp's shares ever split?

First Bancorp's shares were split on a 3:1 basis on 1 June 2004 . So if you had owned 1 share the day before before the split, the next day you'd have owned 3 shares. This wouldn't directly have changed the overall worth of your First Bancorp shares – just the quantity. However, indirectly, the new 66.7% lower share price could have impacted the market appetite for First Bancorp shares which in turn could have impacted First Bancorp's share price.

First Bancorp share price volatility

Over the last 12 months, First Bancorp's shares have ranged in value from as little as $21.1477 up to $31.05. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while First Bancorp's is 0.547. This would suggest that First Bancorp's shares are less volatile than average (for this exchange).

First Bancorp overview

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, time, savings, money market, and certificates of deposit accounts. The company also provides commercial loans comprising commercial real estate owner occupied, such as mortgage loans to finance investments in real property such as retail space, 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 loan for financing working capital and/or capital investment. In addition, it offers commercial multifamily loans; residential real estate term and residential real estate 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; and brokerage, annuity, and various insurance products, as well as payment processing services. 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.

Frequently asked questions

What percentage of First Bancorp is owned by insiders or institutions?
Currently 4.443% of First Bancorp shares are held by insiders and 50.704% by institutions. How many people work for First Bancorp?
Latest data suggests 271 work at First Bancorp. When does the fiscal year end for First Bancorp?
First Bancorp's fiscal year ends in December. Where is First Bancorp based?
First Bancorp's address is: 223 Main Street, Damariscotta, ME, United States, 04543 What is First Bancorp's ISIN number?
First Bancorp's international securities identification number is: US31866P1021 What is First Bancorp's CUSIP number?
First Bancorp's Committee on Uniform Securities Identification Procedures number is: 335716106