First Bancorp Net Income
| FNLC Stock | USD 29.21 0.03 0.10% |
As of the 16th of February 2026, First Bancorp shows the Coefficient Of Variation of 642.02, mean deviation of 1.26, and Downside Deviation of 1.27. First Bancorp technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices.
First Bancorp Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 5.441 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 31.1 M | 16.2 M | |
| Net Income Applicable To Common Shares | 44.8 M | 47.1 M | |
| Net Income From Continuing Ops | 31.1 M | 27.1 M | |
| Net Income Per Share | 3.11 | 3.26 | |
| Net Income Per E B T | 0.82 | 0.60 |
First | Net Income | Build AI portfolio with First Stock |
Analyzing First Bancorp's Net Income over time reveals critical patterns in financial health and operational efficiency. This metric helps investors evaluate trends, identify inflection points, and make informed decisions based on historical performance. Understanding how Net Income has evolved provides context for assessing First Bancorp's current valuation and future prospects.
Latest First Bancorp's Net Income Growth Pattern
Below is the plot of the Net Income of First Bancorp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in First Bancorp financial statement analysis. It represents the amount of money remaining after all of First Bancorp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is First Bancorp's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in First Bancorp's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 27.05 M | 10 Years Trend |
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Net Income |
| Timeline |
First Net Income Regression Statistics
| Arithmetic Mean | 22,809,982 | |
| Geometric Mean | 19,755,233 | |
| Coefficient Of Variation | 45.17 | |
| Mean Deviation | 8,615,395 | |
| Median | 23,536,000 | |
| Standard Deviation | 10,302,877 | |
| Sample Variance | 106.1T | |
| Range | 36.3M | |
| R-Value | 0.93 | |
| Mean Square Error | 15.9T | |
| R-Squared | 0.86 | |
| Slope | 1,891,573 | |
| Total Sum of Squares | 1698.4T |
First Net Income History
Other Fundumenentals of First Bancorp
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
First Bancorp Net Income component correlations
First Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for First Bancorp is extremely important. It helps to project a fair market value of First Stock properly, considering its historical fundamentals such as Net Income. Since First Bancorp's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of First Bancorp's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of First Bancorp's interrelated accounts and indicators.
Click cells to compare fundamentals
Will Regional Banks sector continue expanding? Could First diversify its offerings? Factors like these will boost the valuation of First Bancorp. Market participants price First higher when confident in its future expansion prospects. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every First Bancorp data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.406 | Dividend Share 1.47 | Earnings Share 3.07 | Revenue Per Share | Quarterly Revenue Growth 0.228 |
The market value of First Bancorp is measured differently than its book value, which is the value of First that is recorded on the company's balance sheet. Investors also form their own opinion of First Bancorp's value that differs from its market value or its book value, called intrinsic value, which is First Bancorp's true underlying value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Because First Bancorp's market value can be influenced by many factors that don't directly affect First Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between First Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if First Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Meanwhile, First Bancorp's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.
First Bancorp 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to First Bancorp's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of First Bancorp.
| 11/18/2025 |
| 02/16/2026 |
If you would invest 0.00 in First Bancorp on November 18, 2025 and sell it all today you would earn a total of 0.00 from holding First Bancorp or generate 0.0% return on investment in First Bancorp over 90 days. First Bancorp is related to or competes with Colony Bankcorp, Plumas Bancorp, FS Bancorp, Waterstone Financial, Timberland Bancorp, Citizens Financial, and Citizens Northern. The First Bancorp, Inc. operates as the holding company for First National Bank that provides a range of banking product... More
First Bancorp Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure First Bancorp's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess First Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.27 | |||
| Information Ratio | 0.1127 | |||
| Maximum Drawdown | 7.07 | |||
| Value At Risk | (2.02) | |||
| Potential Upside | 3.44 |
First Bancorp Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for First Bancorp's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as First Bancorp's standard deviation. In reality, there are many statistical measures that can use First Bancorp historical prices to predict the future First Bancorp's volatility.| Risk Adjusted Performance | 0.1307 | |||
| Jensen Alpha | 0.1934 | |||
| Total Risk Alpha | 0.1223 | |||
| Sortino Ratio | 0.1439 | |||
| Treynor Ratio | 0.294 |
First Bancorp February 16, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1307 | |||
| Market Risk Adjusted Performance | 0.304 | |||
| Mean Deviation | 1.26 | |||
| Semi Deviation | 1.01 | |||
| Downside Deviation | 1.27 | |||
| Coefficient Of Variation | 642.02 | |||
| Standard Deviation | 1.62 | |||
| Variance | 2.64 | |||
| Information Ratio | 0.1127 | |||
| Jensen Alpha | 0.1934 | |||
| Total Risk Alpha | 0.1223 | |||
| Sortino Ratio | 0.1439 | |||
| Treynor Ratio | 0.294 | |||
| Maximum Drawdown | 7.07 | |||
| Value At Risk | (2.02) | |||
| Potential Upside | 3.44 | |||
| Downside Variance | 1.62 | |||
| Semi Variance | 1.02 | |||
| Expected Short fall | (1.62) | |||
| Skewness | 0.4406 | |||
| Kurtosis | 0.0477 |
First Bancorp Backtested Returns
First Bancorp appears to be very steady, given 3 months investment horizon. First Bancorp secures Sharpe Ratio (or Efficiency) of 0.19, which denotes the company had a 0.19 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for First Bancorp, which you can use to evaluate the volatility of the firm. Please utilize First Bancorp's Coefficient Of Variation of 642.02, downside deviation of 1.27, and Mean Deviation of 1.26 to check if our risk estimates are consistent with your expectations. On a scale of 0 to 100, First Bancorp holds a performance score of 14. The firm shows a Beta (market volatility) of 0.83, which means possible diversification benefits within a given portfolio. As returns on the market increase, First Bancorp's returns are expected to increase less than the market. However, during the bear market, the loss of holding First Bancorp is expected to be smaller as well. Please check First Bancorp's expected short fall, day median price, and the relationship between the potential upside and accumulation distribution , to make a quick decision on whether First Bancorp's price patterns will revert.
Auto-correlation | 0.42 |
Average predictability
First Bancorp has average predictability. Overlapping area represents the amount of predictability between First Bancorp time series from 18th of November 2025 to 2nd of January 2026 and 2nd of January 2026 to 16th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of First Bancorp price movement. The serial correlation of 0.42 indicates that just about 42.0% of current First Bancorp price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.42 | |
| Spearman Rank Test | 0.44 | |
| Residual Average | 0.0 | |
| Price Variance | 1.5 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
First Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, First Bancorp reported net income of 27.05 M. This is 97.88% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 95.26% higher than that of the company.
First Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses First Bancorp's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of First Bancorp could also be used in its relative valuation, which is a method of valuing First Bancorp by comparing valuation metrics of similar companies.First Bancorp is currently under evaluation in net income category among its peers.
First Bancorp ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, First Bancorp's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to First Bancorp's managers, analysts, and investors.Environmental | Governance | Social |
First Bancorp Institutional Holders
Institutional Holdings refers to the ownership stake in First Bancorp that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of First Bancorp's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing First Bancorp's value.| Shares | Csm Advisors, Llc | 2025-06-30 | 68.4 K | The Colony Group Llc | 2025-06-30 | 60.7 K | Coston, Mcisaac & Partners | 2025-06-30 | 49.2 K | Lsv Asset Management | 2025-06-30 | 44.8 K | Goldman Sachs Group Inc | 2025-06-30 | 43.9 K | Barclays Plc | 2025-06-30 | 42 K | Stifel Financial Corp | 2025-06-30 | 36.9 K | Royal Bank Of Canada | 2025-06-30 | 35.9 K | Bank Of New York Mellon Corp | 2025-06-30 | 35.1 K | Blackrock Inc | 2025-06-30 | 847.3 K | First Bancorp, Inc /me/ | 2025-06-30 | 737.5 K |
First Fundamentals
| Return On Equity | 0.13 | ||||
| Return On Asset | 0.0109 | ||||
| Profit Margin | 0.37 % | ||||
| Operating Margin | 0.51 % | ||||
| Current Valuation | 483.39 M | ||||
| Shares Outstanding | 11.22 M | ||||
| Shares Owned By Insiders | 4.90 % | ||||
| Shares Owned By Institutions | 52.17 % | ||||
| Number Of Shares Shorted | 57.89 K | ||||
| Price To Earning | 8.81 X | ||||
| Price To Book | 1.16 X | ||||
| Price To Sales | 3.53 X | ||||
| Revenue | 177.61 M | ||||
| Gross Profit | 92.87 M | ||||
| EBITDA | 41.94 M | ||||
| Net Income | 27.05 M | ||||
| Cash And Equivalents | 99.19 M | ||||
| Cash Per Share | 8.98 X | ||||
| Total Debt | 187.82 M | ||||
| Debt To Equity | 8.34 % | ||||
| Book Value Per Share | 25.23 X | ||||
| Cash Flow From Operations | 26.05 M | ||||
| Short Ratio | 2.83 X | ||||
| Earnings Per Share | 3.07 X | ||||
| Number Of Employees | 284 | ||||
| Beta | 0.57 | ||||
| Market Capitalization | 327.47 M | ||||
| Total Asset | 3.17 B | ||||
| Retained Earnings | 240.46 M | ||||
| Annual Yield | 0.05 % | ||||
| Five Year Return | 4.32 % | ||||
| Net Asset | 3.17 B | ||||
| Last Dividend Paid | 1.47 |
About First Bancorp Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze First Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of First Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of First Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.When determining whether First Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of First Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of First Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on First Bancorp Stock:Check out For information on how to trade First Stock refer to our How to Trade First Stock guide.You can also try the Content Syndication module to quickly integrate customizable finance content to your own investment portal.
Will Regional Banks sector continue expanding? Could First diversify its offerings? Factors like these will boost the valuation of First Bancorp. Market participants price First higher when confident in its future expansion prospects. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every First Bancorp data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.406 | Dividend Share 1.47 | Earnings Share 3.07 | Revenue Per Share | Quarterly Revenue Growth 0.228 |
The market value of First Bancorp is measured differently than its book value, which is the value of First that is recorded on the company's balance sheet. Investors also form their own opinion of First Bancorp's value that differs from its market value or its book value, called intrinsic value, which is First Bancorp's true underlying value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Because First Bancorp's market value can be influenced by many factors that don't directly affect First Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between First Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if First Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Meanwhile, First Bancorp's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.