First Bancorp Stock Analysis
| FNLC Stock | USD 29.07 0.07 0.24% |
First Bancorp has over 187.82 Million in debt which may indicate that it relies heavily on debt financing. With a high degree of financial leverage come high-interest payments, which usually reduce First Bancorp's Earnings Per Share (EPS).
Asset vs Debt
Equity vs Debt
First Bancorp's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. First Bancorp's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps First Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect First Bancorp's stakeholders.
For many companies, including First Bancorp, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for First Bancorp, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, First Bancorp's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Given that First Bancorp's debt-to-equity ratio measures a Company's obligations relative to the value of its net assets, it is usually used by traders to estimate the extent to which First Bancorp is acquiring new debt as a mechanism of leveraging its assets. A high debt-to-equity ratio is generally associated with increased risk, implying that it has been aggressive in financing its growth with debt. Another way to look at debt-to-equity ratios is to compare the overall debt load of First Bancorp to its assets or equity, showing how much of the company assets belong to shareholders vs. creditors. If shareholders own more assets, First Bancorp is said to be less leveraged. If creditors hold a majority of First Bancorp's assets, the Company is said to be highly leveraged.
First Bancorp is undervalued with Real Value of 33.63 and Hype Value of 29.83. The main objective of First Bancorp stock analysis is to determine its intrinsic value, which is an estimate of what First Bancorp is worth, separate from its market price. There are two main types of First Bancorp's stock analysis: fundamental analysis and technical analysis.
The First Bancorp stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and First Bancorp's ongoing operational relationships across important fundamental and technical indicators.
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors. First Stock Analysis Notes
About 52.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 1.18. Some equities with similar Price to Book (P/B) outperform the market in the long run. First Bancorp last dividend was issued on the 6th of January 2026. The entity had 3:1 split on the 2nd of June 2004. 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. The First Bancorp, Inc. was founded in 1864 and is based in Damariscotta, Maine. First Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 267 people. To learn more about First Bancorp call Tony McKim at 207 563 3195 or check out https://www.thefirst.com.First Bancorp Investment Alerts
Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. First Bancorp's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding First Bancorp or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
| First Bancorp has a strong financial position based on the latest SEC filings | |
| On 16th of January 2026 First Bancorp paid $ 0.37 per share dividend to its current shareholders |
First Market Capitalization
The company currently falls under 'Small-Cap' category with a current market capitalization of 327.02 M.First Profitablity
The company has Profit Margin (PM) of 0.37 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.51 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.51.Technical Drivers
As of the 11th of February 2026, First Bancorp shows the Coefficient Of Variation of 601.51, mean deviation of 1.33, and Downside Deviation of 1.26. 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 Price Movement Analysis
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First Bancorp Insider Trading Activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific First Bancorp insiders, such as employees or executives, is commonly permitted as long as it does not rely on First Bancorp's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases First Bancorp insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
First Bancorp Outstanding Bonds
First Bancorp issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. First Bancorp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most First bonds can be classified according to their maturity, which is the date when First Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
First Bancorp Predictive Daily Indicators
First Bancorp intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of First Bancorp stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
| Accumulation Distribution | 218.35 | |||
| Daily Balance Of Power | (0.11) | |||
| Rate Of Daily Change | 1.0 | |||
| Day Median Price | 29.19 | |||
| Day Typical Price | 29.15 | |||
| Market Facilitation Index | 1.0E-4 | |||
| Price Action Indicator | (0.15) | |||
| Period Momentum Indicator | (0.07) |
First Bancorp Forecast Models
First Bancorp's time-series forecasting models are one of many First Bancorp's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary First Bancorp's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.First Bancorp Bond Ratings
First Bancorp financial ratings play a critical role in determining how much First Bancorp have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for First Bancorp's borrowing costs.| Piotroski F Score | 7 | Strong | View |
| Beneish M Score | (2.35) | Unlikely Manipulator | View |
First Bancorp Debt to Cash Allocation
As First Bancorp follows its natural business cycle, the capital allocation decisions will not magically go away. First Bancorp's decision-makers have to determine if most of the cash flows will be poured back into or reinvested in the business, reserved for other projects beyond operational needs, or paid back to stakeholders and investors.
First Bancorp currently holds 187.82 M in liabilities with Debt to Equity (D/E) ratio of 8.34, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about First Bancorp's use of debt, we should always consider it together with its cash and equity.First Bancorp Assets Financed by Debt
Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the First Bancorp's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of First Bancorp, which in turn will lower the firm's financial flexibility.First Bancorp Corporate Bonds Issued
Most First bonds can be classified according to their maturity, which is the date when First Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
About First Stock Analysis
Stock analysis is the technique used by a trader or investor to examine and evaluate how First Bancorp prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling First shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as First Bancorp. By using and applying First Stock analysis, traders can create a robust methodology for identifying First entry and exit points for their positions.
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. The First Bancorp, Inc. was founded in 1864 and is based in Damariscotta, Maine. First Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 267 people.
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