# First Bancorp Inc (FNLC) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $36.09, market value $407 million.

## Valuation
- **P/E (trailing): 10.3×** (5-yr avg 8.4×, 3-yr avg 9.2×). First Bancorp Inc trades at 10.3× trailing earnings, well above its own five-year average of 8.4×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×.
- **Price / book: 1.4×**. The shares trade at 1.4× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 8.7%** (5-yr avg 13.6%). Free cash flow equals 8.7% of the market value, below its five-year average of 13.6%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 9.7%**. The inverse of the P/E: 9.7% of the price is earned each year.

## Profitability
- **Return on equity: 12.1%**. 12.1% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 26.3%** (3-yr -4.5%/yr, 5-yr 4.4%/yr). Earnings per share rose 26.3%.
- **Free-cash-flow growth (3 yr): -4.6%/yr**. Free cash flow has compounded at -4.6% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 4.21%** ($1.50 per share, trailing). First Bancorp Inc yields 4.21%, an income-level yield.
- **Payout ratio: 48%** (47% of free cash flow). 48% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 10**. 10 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 3.7%/yr** (1-yr 2.8%). The dividend has grown 3.7% a year over five years.

## Price and momentum
- **Total return (1 yr): 54.2%** (YTD 44.6%, 3-mo 3.3%). The shares are up 54.2% over twelve months including dividends.
- **From 52-week high: -3.8%** (46.5% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 67**. An RSI of 67 is neutral.
- **Beta (1 yr): 0.22** (volatility 25%). Beta of 0.22 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=FNLC · Page: https://foliofundamentals.com/stocks/fnlc

Not investment advice.