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First Bancorp, Inc /ME/

FNLC

$36.40 ▼ -0.79 (-2.12%) at close

19 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

First Bancorp, Inc /ME/ shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $403.6M

Dividend Yield 4.04%

Revenue Growth 18.0% ↗

Op. Margin 44.3% ↗

ROIC None

FCF / Share None

Trailing P/E 11.7x

Price / Book 1.5x

FCF Yield —

Debt / Equity 0.68

info Valuation on last close. End-of-day price, Nov 5, 2026.

19-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$94.72M

↑ +18.0% —

Net Income Profit after all expenses

$34.39M

↑ +27.2% —

Operating Margin Operating profit as % of sales

44.3%

↑ +9.1% 96th

Long-Term Debt Long-term obligations

$95.50M

↑ +0.5% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$1.47 Latest / share

+2.8% YoY

+5.3% 12-yr CAGR

$0.83

FY 2014

$0.87

FY 2015

$1.03

FY 2016

$0.95

FY 2017

$1.11

FY 2018

$1.19

FY 2019

$1.23

FY 2020

$1.27

FY 2021

$1.34

FY 2022

$1.39

FY 2023

$1.43

FY 2024

$1.47

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue Growth YoY (%)	18.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+200%)	-0.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-108%)	-13.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-322%)	8.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+43%)	9.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+65%)	16.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+182%)	6.2% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	4.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-18%)	7.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+32%)	4.3% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-29%)	5.0% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-17%)	2.3% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-62%)	-1.3% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-121%)	-4.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-181%)	6.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	-11.8% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-297%)	19.1% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+219%)	—	—
EPS Growth YoY (%)	26.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-8.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-24.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	6.9% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	33.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	5.9% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	8.3% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	19.8% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	8.3% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	10.5% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	10.1% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	15.0% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-1.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	7.0% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	3.6% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	-9.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-15.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	27.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-8.4% Weak ↓ Weak Declining Year-over-year change in net income	-24.3% Weak ↓ Weak Declining Year-over-year change in net income	7.5% Fair ↓ Fair Declining Year-over-year change in net income	33.7% Excellent ↑ Excellent Improving Year-over-year change in net income	6.3% Fair ↓ Fair Declining Year-over-year change in net income	8.5% Fair ↓ Fair Declining Year-over-year change in net income	20.2% Good ↑ Good Improving Year-over-year change in net income	8.8% Fair ↓ Fair Declining Year-over-year change in net income	11.1% Fair ↑ Fair Improving Year-over-year change in net income	10.2% Fair ↑ Fair Improving Year-over-year change in net income	13.5% Fair ↑ Fair Improving Year-over-year change in net income	2.2% Caution ↑ Caution Improving Year-over-year change in net income	2.6% Caution ↑ Caution Improving Year-over-year change in net income	2.0% Caution ↑ Caution Improving Year-over-year change in net income	-7.1% Weak Weak Year-over-year change in net income	-7.1% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	0.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-2.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	11.7% Good ↑ Good Improving Compound annual revenue growth over 3 years	10.9% Good ↑ Good Improving Compound annual revenue growth over 3 years	9.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.8% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.0% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-1.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-0.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-3.8% Weak Weak Compound annual revenue growth over 3 years	3.7% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	4.0% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	3.8% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	5.1% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	9.2% Good ↑ Good Improving Compound annual revenue growth over 5 years	9.1% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.0% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.9% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.6% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.0% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.3% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	-2.1% Weak Weak Compound annual revenue growth over 5 years	0.9% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-4.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-9.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	2.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	14.7% Good ↑ Good Improving Compound annual EPS growth over 3 years	15.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	11.2% Good → Good Stable Compound annual EPS growth over 3 years	12.0% Good → Good Stable Compound annual EPS growth over 3 years	12.8% Good ↑ Good Improving Compound annual EPS growth over 3 years	9.7% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	11.9% Good ↑ Good Improving Compound annual EPS growth over 3 years	7.6% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	6.6% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	2.9% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	0.0% Caution Caution Compound annual EPS growth over 3 years	-7.7% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Operating Margin (%) (%)	44.3% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+77%)	40.6% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+62%)	44.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+77%)	50.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+104%)	51.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+105%)	41.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+65%)	—	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	18.0% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.0% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.3% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.7% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.4% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.9% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	36.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+65%)	33.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	36.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+66%)	41.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+90%)	42.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+92%)	34.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	38.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+74%)	37.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+70%)	32.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	32.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	30.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	29.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	26.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	25.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	23.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	24.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	23.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+5%)	29.6% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	12.5% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.5% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-12%)	13.0% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+9%)	17.7% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+48%)	15.2% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+27%)	12.4% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+6%)	10.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	10.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	9.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	9.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	8.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	8.7% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	8.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	8.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	8.8% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	12.0% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Debt to Equity (x)	0.68x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-43%)	0.57x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-53%)	0.31x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	0.47x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-61%)	0.57x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-52%)	1.19x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	0.89x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-26%)	1.14x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-5%)	1.27x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+6%)	1.58x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+32%)	2.02x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+68%)	1.76x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+47%)	1.90x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+59%)	1.93x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+61%)	1.76x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+47%)	1.72x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+43%)	1.69x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+41%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue per Share (USD)	$8.54	$7.26	$7.33	$8.51	$7.86	$7.18	$6.17	$5.82	$5.57	$5.18	$4.98	$4.76	$4.73	$5.10	$5.39	$5.09	$5.80	$4.88	—
Basic EPS, GAAP (USD)	$3.10	$2.45	$2.68	$3.56	$3.33	$2.50	$2.36	$2.18	$1.82	$1.68	$1.52	$1.38	$1.20	$1.22	$1.14	$1.10	$1.22	$1.45	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.47	$1.43	$1.39	$1.34	$1.27	$1.23	$1.19	$1.11	$0.95	$1.03	$0.87	$0.83	$0.79	$0.78	$0.78	$0.78	$0.78	$0.77	—
Book Value per Share (USD)	$24.47	$23.02	$20.42	$19.91	$21.71	$20.04	$19.13	$17.00	$16.61	$16.30	$15.54	$14.84	$13.74	$14.87	$15.37	$15.33	$15.18	$12.08	—
Tangible Book Value per Share (USD)	$21.74	$20.27	$17.66	$17.14	$18.92	$17.24	$16.39	$14.26	$13.86	$13.54	$12.77	$12.06	$10.95	$11.81	$12.55	$12.50	$12.34	$12.08	—
Basic Weighted Avg Shares (shares)	11.09M	11.05M	11.00M	10.93M	10.90M	10.86M	10.82M	10.78M	10.75M	10.71M	10.67M	10.64M	10.47M	9.83M	9.79M	9.76M	9.72M	9.70M	—
Dividend Payout Ratio (%)	47.4% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	58.4% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	51.9% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	37.6% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	38.1% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	49.2% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	50.4% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	50.9% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	52.2% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	61.3% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	57.2% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	60.1% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	65.4% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	63.9% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	68.4% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	70.9% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	63.9% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	52.8% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$95.50M	$95.00M	$0.00	$84.00K	$55.09M	$55.10M	$10.11M	$65.11M	$115.12M	$120.13M	$115.13M	$90.14M	$130.15M	$140.16M	$130.16M	$130.17M	$149.60M	—	—
Total Equity (USD)	$274.57M	$256.78M	$226.66M	$219.92M	$238.74M	$219.44M	$208.49M	$184.66M	$179.88M	$175.99M	$167.14M	$159.19M	$146.65M	$146.65M	$150.86M	$149.85M	$147.94M	$117.18M	$112.45M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Sales/Revenue/Turnover (USD)	$94.72M	$80.27M	$80.64M	$93.04M	$85.69M	$77.95M	$66.68M	$62.81M	$59.85M	$55.45M	$53.17M	$50.65M	$49.53M	$50.16M	$52.74M	$49.72M	$56.41M	$47.35M	—
Depreciation Expense (USD)	$2.21M	$2.21M	$2.11M	$1.98M	$2.04M	$2.22M	$1.94M	$1.79M	$1.86M	$1.75M	$1.72M	$1.66M	$1.73M	$1.31M	$1.35M	$1.39M	$1.48M	$1.23M	—
Net Income, GAAP (USD)	$34.39M	$27.05M	$29.52M	$38.99M	$36.27M	$27.13M	$25.52M	$23.54M	$19.59M	$18.01M	$16.21M	$14.71M	$12.96M	$12.69M	$12.36M	$12.12M	$13.04M	$14.03M	—
Operating Cash Flow (USD)	$37.81M	$26.05M	$36.92M	$41.21M	$56.69M	$22.70M	$26.05M	$33.84M	$22.27M	$21.65M	$20.74M	$20.46M	$24.98M	$25.02M	$29.73M	$25.65M	$18.73M	$10.88M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Net Interest Margin (approx.) (%)	2.4%	2.0%	2.2%	2.8%	2.6%	2.6%	2.6%	2.5%	2.7%	2.6%	2.7%	2.7%	2.6%	2.7%	3.0%	2.9%	3.3%	—	—
Efficiency Ratio (%) (%)	53.8%	58.8%	54.3%	47.2%	49.2%	50.9%	52.7%	53.3%	52.9%	53.0%	56.2%	59.7%	58.4%	52.4%	49.4%	50.5%	47.3%	48.6%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 19 years · 69 quarters

First Bancorp, Inc /ME/

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