FNLC
Next earnings: Jul 22, 2026 · Before open
Signal
Mixed11
Price
1
Move-2.49%Negative session
Volume
1
Volume1.0× avgNormal activity
Technical
1
RSIRSI 52Momentum positive
PRICE
Prev Close
28.46
Open
28.20
Day Range27.67 – 28.41
27.67
28.41
52W Range23.36 – 30.33
23.36
30.33
63% of range
VOLUME & SIZE
Avg Volume
18.3K
FUNDAMENTALS
P/E Ratio
8.6x
Value territory
EPS (TTM)
Div Yield
0.04%
Beta
0.50
Low vol
Performance
1D
-2.49%
5D
-5.00%
1M
-3.21%
3M
-5.45%
6M
+7.73%
YTD
+4.95%
1Y
+10.78%
Best: 1Y (+10.78%)Worst: 3M (-5.45%)
Quick Read
TrendInsufficient MA data
Momentum
BULLISH
revenue +3% YoY · 53% gross margin
Valuation
CHEAP
P/E 9x vs ~20x sector
Health
MODERATE
CR 0.4 (low) · FCF $2006.83/sh
Strong Buy
Key MetricsTTM
Market Cap$312.90M
Revenue TTM$174.04M
Net Income TTM$36.31M
Free Cash Flow$22.28B
Gross Margin52.9%
Net Margin20.9%
Operating Margin22.9%
Return on Equity13.1%
Return on Assets1.1%
Debt / Equity0.68
Current Ratio0.43
EPS TTM$3.27

Intelligence analysis not yet available for this stock. Full AI-powered analysis may be available on the intelligence page.

Health Radar
1 strong1 watch4 concern
24/100
Liquidity
0.43Concern
Leverage
0.68Strong
Coverage
0.5xConcern
ROE
13.1%Watch
ROIC
1.0%Concern
Cash
$32MConcern
Analyst Coverage

No analyst coverage available for this stock.

Stock Health
Composite Score
2 of 4 signals bullish
4/10
Technicals
RSI RangeRSI 52 — Bullish momentum
Volume
Volume FlowDistribution — institutional selling
Fundamentals
Last EarningsBeat estimates
LiquidityCurrent Ratio 0.43 — liquidity risk

1 signal unavailable — limited data for this stock

Upcoming Events
EEarnings ReportMay 18, 2026
Tomorrow
DEx-Dividend DateAug 14, 2026
In 89 days
PDividend PaymentAug 31, 2026
In 106 days
Technicals
Technical SetupBULLISH
Technicals →

Trend

UptrendGolden Cross · 50D leads 200D by 10.9%

+1.1% vs SMA 50 · +12.2% vs SMA 200

Momentum

RSI52.1
Neutral territory
MACD+0.37
Above zero — bullish momentum · compressing
Market Position
Price Levels
52W High
$30.33+9.3%
Current
$27.75
EMA 50
$27.49-0.9%
EMA 200
$24.78-10.7%
52W Low
$23.36-15.8%
52-Week RangeMid-range
$23.3663th %ile$30.33
Squeeze SetupVolume-based
Distribution Pressure

Distribution pattern detected. More selling days than accumulation over the past 20 sessions. Not a conducive environment for a squeeze.

20-Day Money Flow
Acc days:1
Dist days:2
Edge:+1 dist
Volume Context
Avg Vol (50D)19K
Recent Vol (5D)
14K-26%

Based on volume distribution analysis. Direct short interest data (short float %, days to cover) is not available in current data sources.

Earnings & Analysts
Earnings HistoryFNLC
Last 4Q
+6.0%avg beat
Beat 3 of 4 quartersMissed 1
-19%
Q3'09
+9%
Q2'10
+26%
Q3'10
+7%
Q4'10
Beat
Miss
Estimate
Deeper color = bigger beat/miss
Insider Activity
SEC Filings →
4 Buys/2 SellsNet Buying
NET BUYERS$43K bought · $0 sold · 30d window
Swan KimberlyDir
$14K
Apr 30
BUY
Swan KimberlyDir
$29K
Apr 30
BUY
Tolman SarahEVP, Chief Ban…
$5K
Aug 19
SELL
Kachmar Ingrid Wilb…Dir
$96K
Apr 28
BUY
Swan KimberlyDir
$39K
Apr 24
BUY
Norton Susan AEVP, CAO
$15K
Jul 26
SELL
Financials
Dividends5.33% yield
+1.6% avg annual growth
Annual Yield5.33%
Quarterly Div.$0.3700
Est. Annual / Share$1.48
FrequencyQuarterly
Q3'24
Q4'24
Q1'25
Q2'25
Q3'25
Q4'25
Q1'26
Q2'26

Dividend per payment — last 8 periods

INSTITUTIONAL OWNERSHIP

1
BlackRock, Inc.
856K
2
First Bancorp, Inc /ME/
742K
3
DIMENSIONAL FUND ADVISORS LP
460K
4
MANUFACTURERS LIFE INSURANCE COMPANY, THE
378K
5
GEODE CAPITAL MANAGEMENT, LLC
240K
6
STATE STREET CORP
224K
7
MORGAN STANLEY
189K
8
RENAISSANCE TECHNOLOGIES LLC
98K
News & Activity

FNLC News

About

The First Bancorp (formerly First National Lincoln Corporation), is a $2.4 billion bank holding company based in Damariscotta, Maine. The company’s subsidiary, First National Bank (formerly The First, N.A.), was established in 1864 and now has 17 branches located along Maine’s coast from Wiscasset to Calais and one inland branch in Bangor. With a strong coastal presence, the Bank is well positioned to take advantage of the mix of both new and traditional industries and the growth generally seen in Maine’s coastal counties.

Industry
Commercial Banking
Christopher J. AustinChief Legal Counsel & Executive Vice President
Richard ElderExecutive Vice President, Chief Financial Officer & Treasurer
Tony C. McKimPresident, Chief Executive Officer & Director
PeersFinancial Services(7 companies)
Screen sector →
SymbolPriceDay %Mkt CapP/ERev GrwMarginELO
FNLC
$27.75-2.49%$313M8.5+736.6%1936.5%1500
$297.81-0.70%$798.0B14.11501
$325.75+1.00%$624.4B28.0+1134.0%5014.5%1501
$494.20+0.87%$436.7B28.3+1641.6%4564.7%1492
$49.77+0.00%$353.2B-45.1%1496
$192.51-1.04%$303.6B16.6+1147.7%1466.4%1528
$948.47-2.11%$279.8B15.9-138.4%1373.0%1524
Sector avg-0.64%18.6+746.1%2871.0%1506