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Stocks · Financials · National Commercial Banks

First Bancorp, Inc /ME/

FNLC Clue Score42
United States Fiscal year ends December CIK 0000765207
$33.52 +1.67% Close, 12 Oct 2026
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Price $33.52 +13.32% Close, 12 Oct 2026

Closing prices at the end of each trading day, from 13 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income18.0EPS, diluted1.66Fiscal year 2017Net income19.6 +8.8%EPS, diluted1.81 +9.0%Fiscal year 2018Net income23.5 +20.2%EPS, diluted2.17 +19.9%Fiscal year 2019Net income25.5 +8.5%EPS, diluted2.34 +7.8%Fiscal year 2020Net income27.1 +6.3%EPS, diluted2.48 +6.0%Fiscal year 2021Net income36.3 +33.7%EPS, diluted3.30 +33.1%Fiscal year 2022Net income39.0 +7.5%EPS, diluted3.53 +7.0%Fiscal year 2023Net income29.5 −24.3%EPS, diluted2.66 −24.6%Fiscal year 2024Net income27.0 −8.4%EPS, diluted2.43 −8.6%Fiscal year 2025Net income34.4 +27.2%EPS, diluted3.07 +26.3%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 18.0 19.6 23.5 25.5 27.1 36.3 39.0 29.5 27.0 34.4
Growth +8.8% +20.2% +8.5% +6.3% +33.7% +7.5% −24.3% −8.4% +27.2%
EPS, diluted 1.66 1.81 2.17 2.34 2.48 3.30 3.53 2.66 2.43 3.07
Growth +9.0% +19.9% +7.8% +6.0% +33.1% +7.0% −24.6% −8.6% +26.3%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow21.2Capital expenditure−2.1Free cash flow19.1Buybacks−0.1Dividends paid−9.8Fiscal year 2017Operating cash flow22.3Capital expenditure−2.5Free cash flow19.7 +3.6%Buybacks−0.2Dividends paid−11.5Fiscal year 2018Operating cash flow33.8Capital expenditure−1.5Free cash flow32.4 +63.9%Buybacks−0.2Dividends paid−12.1Fiscal year 2019Operating cash flow26.1Capital expenditure−1.6Free cash flow24.5 −24.3%Buybacks−0.2Dividends paid−13.0Fiscal year 2020Operating cash flow22.7Capital expenditure−2.5Free cash flow20.2 −17.7%Buybacks−0.2Dividends paid−13.3Fiscal year 2021Operating cash flow56.7Capital expenditure−3.8Free cash flow52.9 +162.6%Buybacks−0.3Dividends paid−13.9Fiscal year 2022Operating cash flow41.2Capital expenditure−1.4Free cash flow39.8 −24.8%Buybacks−0.3Dividends paid−14.8Fiscal year 2023Operating cash flow36.9Capital expenditure−2.6Free cash flow34.3 −13.9%Buybacks−0.3Dividends paid−15.4Fiscal year 2024Operating cash flow26.0Capital expenditure−1.5Free cash flow24.6 −28.3%Buybacks−0.2Dividends paid−15.8Fiscal year 2025Operating cash flow37.8Capital expenditure−3.2Free cash flow34.6 +40.8%Buybacks−0.3Dividends paid−16.3
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 21.2 22.3 33.8 26.1 22.7 56.7 41.2 36.9 26.0 37.8
Capital expenditure −2.1 −2.5 −1.5 −1.6 −2.5 −3.8 −1.4 −2.6 −1.5 −3.2
Free cash flow 19.1 19.7 32.4 24.5 20.2 52.9 39.8 34.3 24.6 34.6
Growth +3.6% +63.9% −24.3% −17.7% +162.6% −24.8% −13.9% −28.3% +40.8%
Buybacks −0.1 −0.2 −0.2 −0.2 −0.2 −0.3 −0.3 −0.3 −0.2 −0.3
Dividends paid −9.8 −11.5 −12.1 −13.0 −13.3 −13.9 −14.8 −15.4 −15.8 −16.3

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash17.4Total debt120.1Net cash (debt)−102.8Shareholders’ equity172.5Debt to equity0.70Fiscal year 2017Cash19.2Total debt115.1Net cash (debt)−95.9Shareholders’ equity181.3Debt to equity0.63Fiscal year 2018Cash19.1Total debt65.1Net cash (debt)−46.0Shareholders’ equity191.5Debt to equity0.34Fiscal year 2019Cash14.4Total debt10.1Net cash (debt)4.3Shareholders’ equity212.5Debt to equity0.05Fiscal year 2020Cash26.2Total debt55.1Net cash (debt)−28.9Shareholders’ equity223.7Debt to equity0.25Fiscal year 2021Cash20.6Total debt55.1Net cash (debt)−34.5Shareholders’ equity245.7Debt to equity0.22Fiscal year 2022Cash22.7Total debt0.1Net cash (debt)22.6Shareholders’ equity228.9Debt to equity0.00Fiscal year 2023Cash31.9Total debt0.0Net cash (debt)31.9Shareholders’ equity243.1Debt to equity0.00Fiscal year 2024Cash27.6Total debt95.0Net cash (debt)−67.4Shareholders’ equity252.5Debt to equity0.38Fiscal year 2025Cash27.8Total debt95.5Net cash (debt)−67.7Shareholders’ equity283.1Debt to equity0.34
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 17.4 19.2 19.1 14.4 26.2 20.6 22.7 31.9 27.6 27.8
Total debt 120.1 115.1 65.1 10.1 55.1 55.1 0.1 0.0 95.0 95.5
Net cash (debt) −102.8 −95.9 −46.0 4.3 −28.9 −34.5 22.6 31.9 −67.4 −67.7
Shareholders’ equity 172.5 181.3 191.5 212.5 223.7 245.7 228.9 243.1 252.5 283.1
Debt to equity 0.70 0.63 0.34 0.05 0.25 0.22 0.00 0.00 0.38 0.34

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
26.4% 25.2% 15.5% 15.6% 15.9% 17.4% 17.7% 17.3% 17.0% 18.0%
Returns
10.4% 10.8% 12.3% 12.0% 12.1% 14.8% 17.0% 12.1% 10.7% 12.1%
1.1% 1.1% 1.2% 1.2% 1.1% 1.4% 1.4% 1.0% 0.9% 1.1%
Balance and payout
0.70 0.63 0.34 0.05 0.25 0.22 0.00 0.00 0.38 0.34
89.9% 90.2% 90.1% 89.7% 90.5% 90.3% 91.6% 91.8% 92.0% 91.1%
54.5% 58.5% 51.2% 50.8% 49.1% 38.5% 37.9% 52.2% 58.4% 47.5%
52.1% 58.8% 37.8% 53.7% 66.9% 26.8% 37.8% 45.7% 65.2% 48.1%