FNLC - NASDAQ
The First Bancorp, Inc.
$28.57
-1.7%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, savings, money market, and certificates of deposit accounts. The company also provides commercial real estate loan products, such as mortgage loans to finance investments in real property comprising multi-family residential, commercial/retail, office, industrial, hotel, educational, and other specific or mixed use properties; commercial construction loans to finance construction of owner- and non-owner occupied commercial real estate properties; and other commercial loans, which include revolving and term loan obligations to business and corporate enterprises for the purpose of financing working capital or capital investment. In addition, it offers municipal loans for capitalized expenditures, construction projects, or tax-anticipation notes; residential term loans that include amortizing home mortgages and construction loans, which include loans for owner-occupied residential construction; home equity loans and lines of credit; and consumer loans, which are amortizing loans to individuals collateralized by automobiles, pleasure crafts, and recreation vehicles, as well as unsecured short-term time notes. Further, the company provides private banking, financial planning, investment management, and trust services to individuals, businesses, non-profit organizations, and municipalities, as well as payment processing services. It operates through 18 full-service banking offices in Lincoln, Knox, Waldo, Penobscot, Hancock, and Washington counties in the Mid-Coast, Eastern, and Down East regions of Maine. The company was formerly known as First National Lincoln Corporation and changed its name to The First Bancorp, Inc. in April 2008. The First Bancorp, Inc. was founded in 1864 and is based in Damariscotta, Maine.
At a Glance
Live SnapshotThe First Bancorp, Inc. Street Expectations Map
No Target Data
No analyst price targets available for fnlc.
The First Bancorp, Inc. Forward Estimates of Revenue
Forward Growth Analysis
Moderate coverage—sufficient for guidance but may lack depth of large-cap analysis.
Wide estimate range reveals significant forecast uncertainty and potential volatility.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
The First Bancorp, Inc. Forward Estimates of Net Income
Forward Growth Analysis
Moderate coverage—sufficient for guidance but may lack depth of large-cap analysis.
Wide estimate range reveals significant forecast uncertainty and potential volatility.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
The First Bancorp, Inc. Forward Estimates of EPS
Forward Growth Analysis
Moderate coverage—sufficient for guidance but may lack depth of large-cap analysis.
Wide estimate range reveals significant forecast uncertainty and potential volatility.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
The First Bancorp, Inc. Forward Estimates of EBIT
Forward Growth Analysis
Moderate coverage—sufficient for guidance but may lack depth of large-cap analysis.
Wide estimate range reveals significant forecast uncertainty and potential volatility.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
The First Bancorp, Inc. Forward Estimates of EBITDA
Forward Growth Analysis
Moderate coverage—sufficient for guidance but may lack depth of large-cap analysis.
Wide estimate range reveals significant forecast uncertainty and potential volatility.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
The First Bancorp, Inc. Forward Estimates of SG&A Expense
Forward Growth Analysis
Moderate coverage—sufficient for guidance but may lack depth of large-cap analysis.
Wide estimate range reveals significant forecast uncertainty and potential volatility.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
The First Bancorp, Inc. Insider Positioning
During the last 12 months, insiders have purchased $14K and sold $5K worth of FNLC shares, resulting in $10K of net buying activity.
3 Months
500
14.32K
0
0.00
+14K
+$14K
3-6 Months
0
0.00
0
0.00
+0
+$0
6-9 Months
0
0.00
0
0.00
+0
+$0
9-12 Months
0
0.00
175
4.55K
-5K
-$5K
Top Buyers
Swan Kimberly
Director
$14K
Top Sellers
Tolman Sarah
Officer: Evp, Chief Banking Officer
$5K
Insider Activity Analysis
Net Insider Sentiment
Strong bullish signal with $10K net buying. Insiders are aggressively accumulating shares, suggesting significant confidence in future prospects.
Buy/Sell Ratio
Exceptional buy/sell ratio. Buying dramatically outweighs selling—one of the strongest possible insider signals.
Recent Trend (3 Months)
Very strong recent buying momentum. Recent insider purchases significantly outpace sales, suggesting near-term optimism.
Insider Participation
1 insider buyers and 1 sellers. Equal participation suggests mixed or neutral insider views.
Insider Activity Insight
Sustained buying momentum: Consistent net buying over multiple quarters suggests insiders maintain conviction in the company's prospects. This is particularly meaningful if buying continued through market volatility.
Related Guides
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Research Paths
Snapshot
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Value Model
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Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
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Analyst Expectations
Review consensus spread and where estimate risk is concentrated.