FNLC

The First Bancorp, Inc.

Financial Services · $381M market cap

Share price

$34.21

close of Oct 3, 2026

Fair value

$69.24

Sticker Price

Payback Price

$27.70

buy price

Undervalued

FNLC is Undervalued: at $34.21 it trades 51% below its fair value of $69.24. Its buy price (Payback Price) is $27.70, 19% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth7.4% a year✗

Equity per share growth4.1% a year✗

Sales growth4.3% a year✗

Free cash flow growth5.4% a year✗

Return on invested capital7.2%✗

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Insider activity

Since Jul 1, 2026: no open-market purchases, 1 sale worth $183K and 1 other filing (stock awards, tax withholding and similar). Why purchases matter

Sales

Tolman Sarah

EVP, Chief Banking Officer · 2026-07-28

Sold

$183K

Other filings

Plummer Tammy L

EVP, Chief Information Officer · 2026-07-01

Tax withholding

$26K

About The First Bancorp, Inc.

The First Bancorp, Inc. functions as the holding company for First National Bank, providing a comprehensive suite of banking products and financial services to both individual customers and commercial enterprises. Its deposit offerings encompass various account types, such as demand, NOW, savings, money market, and certificates of deposit. The institution also plays a key role in commercial real estate financing…

Banks - Regional