First Bancorp, Inc (FNLC) stock
FNLCNasdaqNational Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 17/307% above fair value
$37.03+0.25 (+0.68%)
Close on Nov 13, 2026Market cap $417.79MP/E 10.5Yield 3.97%
First Bancorp statistics
94 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 20, 2027 (estimated, during market hours)
- Last ex-dividend date
- Oct 6, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.62
- 1.52
- P/OCF Ratio
- 12.01
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 4.41
- 2.95
- EV / FCF
- 14.13
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- 0.63%
- 0.33%
- Shares Change (QoQ)
- 0.06%
- 0.00%
- Float
- 11M
- 17M
- Shares Held by Insiders
- 4.87%
- 6.05%
- Shares Held by Institutions
- 45.6%
- 61.3%
Short sellingIndustry
- Short Interest
- 147,172
- –
- Short Interest Change
- -1.37%
- -4.13%
- Short % of Float
- 1.37%
- 3.58%
- Short % of Shares Outstanding
- 1.30%
- 3.18%
- Days to Cover
- 4.10
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $38.49
- –
- 52-Week Low
- $24.63
- –
- 20-Day Moving Average
- $36.27
- –
- 50-Day Moving Average
- $35.08
- –
- 200-Day Moving Average
- $31.88
- –
- Average True Range (14)
- $0.99
- –
- Price Change (1 Week)
- 1.70%
- 0.69%
- Price Change (1 Month)
- 9.56%
- 3.79%
- Price Change (3 Months)
- 4.69%
- -2.72%
- Price Change (6 Months)
- 33.4%
- 12.2%
- Price Change (YTD)
- 40.1%
- 19.9%
- Price Change (1 Year)
- 44.9%
- 25.7%
- Price Change (3 Years)
- 43.0%
- 65.1%
- Price Change (5 Years)
- 19.6%
- 26.9%
- Price Change (10 Years)
- 32.8%
- 66.8%
- Average Volume (10 Days)
- 34,652
- –
- Average Volume (20 Days)
- 35,347
- –
- Average Volume (90 Days)
- 34,598
- –
- Relative Volume
- 0.83
- 0.68
- Relative Strength Index (14)
- 61.2
- 53.1
- Volatility (1 Year)
- 25.6%
- 24.4%
- Beta (5 Years)
- 0.50
- 0.63
MarginsIndustry
- Pretax Margin
- 45.8%
- 37.0%
- FCF Margin
- 31.2%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 14.0%
- 10.7%
- Return on Assets (ROA)
- 1.22%
- 1.16%
Financial positionIndustry
- Debt / Equity
- 0.26
- 0.21
- Debt / FCF
- 2.28
- 1.48
GrowthIndustry
- Revenue Growth (YoY)
- 14.8%
- 11.7%
- Net Income Growth (YoY)
- 25.1%
- 22.6%
- EPS Growth (YoY)
- 24.5%
- 21.6%
- FCF Growth (YoY)
- 4.74%
- 27.2%
- Revenue Growth (3Y CAGR)
- 0.60%
- 5.82%
- Revenue Growth (5Y CAGR)
- 3.97%
- 6.17%
- EPS Growth (3Y CAGR)
- -4.55%
- 1.31%
- EPS Growth (5Y CAGR)
- 4.36%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.03
- 0.04
- Revenue Per Employee
- $368.51K
- $358.92K
- Profits Per Employee
- $139.21K
- $110.51K
- Employee Count
- 283
- 492
- WACC
- 7.34%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $47.81M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- -$42.27M
- $165.09M
- Net Cash Per Share
- -$3.75
- $8.07
- Equity (Book Value)
- $288.15M
- $570.13M
- Book Value Per Share
- $25.54
- $28.12
- Tangible Book Value
- $257.50M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$2.22M
- -$4.24M
- FCF Per Share
- $2.89
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 9.43%
- 8.29%
- FCF Yield
- 7.79%
- 9.18%
- Dividend Yield
- 3.97%
- 2.44%
- Buyback Yield
- -0.16%
- 1.82%
- Shareholder Yield
- 3.81%
- 3.26%
- Dividend Per Share
- $1.47
- $0.92
- Dividend Growth (YoY)
- 2.80%
- 4.26%
- Years of Dividend Growth
- 8
- 2
- Payout Ratio
- 42.6%
- 28.5%
- FCF Payout Ratio
- 51.5%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $8.41M
- $16.14M
- Effective Tax Rate
- 17.6%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $44.91
- $45.07
- Graham Upside
- 21.3%
- 18.8%
- Altman Z-Score
- 0.23
- 0.22
- Piotroski F-Score
- 6
- 6
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | FNLC | S&P 500 | Difference | FNLC per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +10.3% | -3.0% | +13.3 pts | ||
| 3 months | +5.4% | -2.8% | +8.2 pts | ||
| Year to date | +47.0% | +11.5% | +35.5 pts | ||
| 1 year | +51.1% | +13.5% | +37.6 pts | ||
| 3 years | +82.6% | +77.7% | +4.9 pts | +22.2% | +21.1% |
| 5 years | +55.0% | +72.6% | −17.7 pts | +9.2% | +11.5% |
| 10 years | +110.8% | +308.2% | −197.4 pts | +7.7% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M FNLC shares were sold short on Oct 30, 2026, down 1.4% from the previous report, or 1.37% of the shares available to trade. At recent volumes it would take 4.1 days to buy them back. Over the last 20 sessions, 53.4% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 147,172 | -1.4% | 35,898 | 4.1 |
| Oct 15, 2026 | 149,220 | +1.2% | 38,452 | 3.9 |
| Sep 30, 2026 | 147,418 | -8.0% | 48,371 | 3.0 |
| Sep 15, 2026 | 160,270 | +13.8% | 23,746 | 6.8 |
| Aug 31, 2026 | 140,836 | +14.8% | 24,790 | 5.7 |
| Aug 14, 2026 | 122,668 | +0.9% | 25,278 | 4.8 |
| Jul 31, 2026 | 121,538 | +6.3% | 39,799 | 3.0 |
| Jul 15, 2026 | 114,349 | -1.9% | 28,766 | 4.0 |
| Jun 30, 2026 | 116,613 | +38.0% | 73,218 | 1.6 |
| Jun 15, 2026 | 84,482 | +3.4% | 21,539 | 3.9 |
| May 29, 2026 | 81,671 | +19.1% | 15,523 | 5.3 |
| May 15, 2026 | 68,593 | -4.8% | 13,840 | 5.0 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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