FNLCNasdaqNational Commercial BanksFiscal year ends December 31
First Bancorp, Inc /ME/
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$33.89−0.48 (-1.40%)
Close on Oct 19, 2026
- Market cap
- $382.17M
- P/E (TTM)
- 10.1
- Dividend yield
- 4.34%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
36.3%+1.5 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +18.0% | +0.6% | +4.0% | +5.9% | |
| Net income | +27.2% | -4.1% | +4.9% | +7.8% | |
| EPS, diluted | +26.3% | -4.5% | +4.4% | +7.4% | |
| Free cash flow | +40.8% | -4.6% | +11.4% | +5.7% | |
| Dividend per share | +2.8% | +3.1% | +3.6% | +5.4% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 10.6% | 12.4% | 12.8% | |
| Return on assets | 1.1% | 1.2% | 1.1% | |
| Capex to revenue | 3.8% | 3.3% | 3.4% | |
| Diluted shares | 11M | 11M | 11M |
Where the cash went
Fiscal 2021 to 2025, five years combined
First Bancorp generated $198.69M from operations and spent $90.06M on capital expenditure, dividends and share buybacks. 14% of that went back into the business.
Generated
$198.69M
Used
$90.06M
Capital expenditure$12.49M14%Dividends$76.30M85%Share buybacks$1.27M1%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin36.3%
×Asset turnover0.03×
×Equity multiplier11.81×
=Return on equity, FY202512.8%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 36.3% | 0.03× | 11.81× | 12.8% |
| FY2024 | 33.7% | 0.03× | 12.32× | 10.9% |
| FY2023 | 36.6% | 0.03× | 12.05× | 12.5% |
| FY2022 | 41.9% | 0.04× | 11.10× | 16.4% |
| FY2021 | 42.3% | 0.04× | 10.41× | 15.5% |
| FY2020 | 34.8% | 0.04× | 10.16× | 12.4% |
| FY2019 | 38.3% | 0.03× | 9.93× | 12.6% |
| FY2018 | 37.5% | 0.03× | 10.16× | 12.6% |
| FY2017 | 32.7% | 0.03× | 10.05× | 11.1% |
| FY2016 | 32.5% | 0.03× | 9.64× | 10.6% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$34.39M
- Cash generatingOperating cash flow above zero$37.81M
- Return on assets improvedROA up on the prior year0.9% → 1.1%
- Earnings backed by cashOperating cash flow above net income$37.81M vs $34.39M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise11M → 11M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.03