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Model output · Signal date 2026-10-14

First Bancorp, Inc /Me/ (FNLC) Stock Forecast Oct. 14, 2026

Analysis updated on Oct. 14, 2026 (UTC) · Total · absolute moveSwitch to Alpha · Nasdaq

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Rating · 90D ▲ Bullish Exact rating locked
90-day forecast Sign up free to reveal
30-day forecast Total
Rank in coverage Top 35% of 5379 stocks scored
Rank correlation · 90D n/a No per-ticker sample yet
Market Cap $379M small-cap · #60 of 60 peers
Summary

First Bancorp, Inc /Me/ (FNLC) stock forecast summary

Our AI ranks First Bancorp, Inc /Me/ outside the neutral middle of its coverage (a directional signal). Create a free account and follow it to see the exact price target.

First Bancorp, Inc /Me/ is a small-cap company with a market capitalization of $379M. It ranks number 60 by market capitalization among the 60 National Commercial Banks issuers in our coverage with a current forecast.

A per-ticker accuracy statistic for FNLC is published only once its sample size is known. Across our coverage, the out-of-sample test on 4537 stocks from 2025-01-06 to 2026-06-09 produced a positive net return in 73.7% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report

Expected absolute price move over the horizon, market included. This is the number a price target is built from. Ratings: strong buy ≥ +4.5%, buy ≥ +3.4%, sell < +2.1%, strong sell < +0.9% (top 15%, next 20%, middle 30%, next 20%, bottom 15% of the 2026-10-13 signals)

A free account shows the exact forecast, rating and rank of 3 tickers you follow, FNLC included.

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Price

FNLC price chart and AI forecast

FNLC
Cross-section · 2026-10-13

How FNLC ranks among 5379 stocks

90D Total forecasts of every company scored, cut into five relative ratings at the 15th, 35th, 65th and 85th percentiles (dashed lines).

Fundamentals

First Bancorp, Inc /Me/ (FNLC) fundamentals

Trailing twelve months. The industry median and the rank (1 = highest) are taken over the National Commercial Banks peers listed below that report each metric.

Valuation & Market

MetricFNLCIndustry medianRank
Market Cap $379M $2.66B 60/60
P/E Ratio 10.02x 11.44x 41/50
P/B Ratio 1.29x 1.23x 23/58
Dividend Yield 4.39% 2.95% 4/52
EPS $3.20 – –
Book Value/Share $25.97 – –
Revenue/Share $8.76 – –
FCF/Share $3.16 – –

Profitability & Margins

MetricFNLCIndustry medianRank
ROE 12.9% 10.7% 13/55
ROA 1.2% 1.2% 28/55
Net Margin 38.3% 29.8% 8/55
EBT Margin 46.5% 37.5% 10/59
Tax Rate 17.7% – –

Financial Health

MetricFNLCIndustry medianRank
D/E Ratio 9.98x 7.93x 10/59
Financial Leverage 10.98x 8.93x 10/59

Cash Flow

MetricFNLCIndustry medianRank
Operating Cash Flow $38M $231M 55/58
Free Cash Flow $36M $187M 42/43
Capital Spending -$2M -$15M 3/43
OCF Growth YoY 24.0% 33.4% 33/53
FCF Growth YoY 26.6% 36.1% 23/41
FCF/Sales 36.0% 29.8% 15/43
CapEx/Sales 2.5% 2.6% 23/43

Operational Efficiency

MetricFNLCIndustry medianRank
Asset Turnover 0.03x 0.04x 39/57

Income Statement

MetricFNLCIndustry medianRank
Total Revenue $98M $694M 56/57
Net Income $37M $188M 53/54

Dividend & Shareholder Information

MetricFNLCIndustry medianRank
Dividends Per Share $1.47 – –
Payout Ratio 45.9% 36.1% 10/51
Shares Outstanding 11M – –

Balance Sheet Highlights (USD millions)

Cash & Short-term Investments$30M0.9% of assets
Total Liabilities$2.92B90.9% of assets
Quarterly Financial Reports

FNLC quarterly financials and insider trading

Industry Peers · National Commercial Banks

First Bancorp, Inc /Me/ (FNLC) industry peers

Companies classified under the same SEC industry code as First Bancorp, Inc /Me/ (National Commercial Banks): 60 common-stock issuers with a forecast this week, one row per issuer, largest first. This is a classification match, not a curated list of competitors.

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Company 90-Day AI Forecast (Total) Market Cap P/E Ratio P/B Ratio
FNLC First Bancorp, Inc /Me/ ▲ $379M 10.0x 1.3x
JPM Jpmorgan Chase & Co ▼ $881.00B 13.5x 2.4x
BAC Bank Of America Corp /De/ ▶ $377.33B 11.2x 1.3x
WFC Wells Fargo & Company/Mn ▼ $244.16B 10.8x 1.4x
C Citigroup Inc ▶ $217.84B 16.5x 1.1x
UBS Ubs Group Ag ▶ $159.89B – –
COF Capital One Financial Corp ▶ $121.51B 11.6x 1.1x
USB Us Bancorp \De\ ▼ $88.64B 10.9x 1.3x
PNC Pnc Financial Services Group, Inc. ▼ $87.56B 11.5x 1.4x
TFC Truist Financial Corp ▼ $56.10B 9.8x 0.9x
HBAN Huntington Bancshares Inc /Md/ ▶ $30.89B 14.4x 1.0x
MFG Mizuho Financial Group Inc ▼ $26.39B – –
RF Regions Financial Corp ▶ $23.01B 10.3x 1.2x
KEY Keycorp /New/ ▲ $21.25B 10.5x 1.2x
FHN First Horizon Corp ▶ $10.79B 10.2x 1.2x
UMBF Umb Financial Corp ▶ $9.88B 10.5x 1.2x
ONB Old National Bancorp /In/ ▶ $9.51B 12.9x 1.2x
CFR Cullen/Frost Bankers, Inc. ▼ $9.42B 13.8x 2.0x
ZION Zions Bancorporation, National Association /Ut/ ▶ $9.08B 7.8x 1.2x
BOKF Bok Financial Corp ▶ $7.58B 11.7x 1.3x
VLY Valley National Bancorp ▶ $6.92B 10.0x 0.9x
FNB Fnb Corp/Pa/ ▶ $6.02B 10.0x 0.9x
FULT Fulton Financial Corp ▶ $4.19B 10.6x 1.2x
WSFS Wsfs Financial Corp ▼ $3.86B 12.1x 1.5x
BANF Bancfirst Corp /Ok/ ▶ $3.59B 14.2x 1.8x
WSBC Wesbanco Inc ▶ $3.52B – 0.9x
NIC Nicolet Bankshares Inc ▼ $3.42B 22.2x 1.5x
FFBC First Financial Bancorp /Oh/ ▶ $3.25B 11.4x 1.1x
SFNC Simmons First National Corp ▶ $3.20B – 0.9x
PRK Park National Corp /Oh/ ▼ $3.17B 16.7x 1.9x
BANC Banc Of California, Inc. ▲ $2.71B – 0.8x
NBTB Nbt Bancorp Inc ▶ $2.61B 12.2x 1.7x
TRMK Trustmark Corp ▶ $2.59B 11.1x 1.2x
FRME First Merchants Corp ▼ $2.46B 12.7x 0.9x
WAFD Wafd Inc ▶ $2.17B 8.5x 0.7x
NWBI Northwest Bancshares, Inc. ▶ $2.15B 14.1x 1.1x
TBBK Bancorp, Inc. ▲ $2.03B 7.0x 2.9x
FCF First Commonwealth Financial Corp /Pa/ ▶ $2.02B 12.0x 1.3x
CHCO City Holding Co ▶ $1.96B 14.9x 2.4x
FSUN Firstsun Capital Bancorp ▶ $1.79B – 1.5x
HOPE Hope Bancorp Inc ▲ $1.70B 13.0x 0.7x
DCOM Dime Commercial Bancshares, Inc. /Ny/ ▲ $1.70B 13.2x 1.1x
NBHC National Bank Holdings Corp ▶ $1.67B 17.0x 1.0x
BFC Bank First Corp ▼ $1.62B 20.0x 2.0x
OCFC Oceanfirst Financial Corp ▶ $1.55B – 0.9x
CASH Pathward Financial, Inc. ▶ $1.49B – 1.8x
BHRB Burke & Herbert Financial Services Corp. ▼ $1.40B – 1.2x
WABC Westamerica Bancorporation ▶ $1.36B 12.2x 1.6x
AMTB Amerant Bancorp Inc. ▲ $1.13B 20.1x 1.2x
FMCB Farmers & Merchants Bancorp ▶ $993M 10.3x 1.5x
CAC Camden National Corp ▶ $944M 10.6x 1.3x
HAFC Hanmi Financial Corp ▲ $916M 10.3x 1.1x
SMBK Smartfinancial Inc. ▲ $859M 15.0x 1.5x
ALRS Alerus Financial Corp ▲ $772M – 1.3x
FISI Financial Institutions Inc ▲ $765M 9.3x 1.3x
SHBI Shore Bancshares Inc ▲ $750M 11.3x 1.2x
BCAL California Bancorp \ Ca ▲ $688M 8.9x 1.2x
PFIS Peoples Financial Services Corp. ▶ $681M 12.0x 1.3x
CARE Carter Bankshares, Inc. ▶ $669M 5.2x 1.2x
CBNK Capital Bancorp Inc ▶ $631M 11.2x 1.5x

Where FNLC sits on the market map

Finance · National Commercial Banks
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News

First Bancorp, Inc /Me/ (FNLC) stock news

FAQ

First Bancorp, Inc /Me/ (FNLC) stock forecast FAQ

What is the First Bancorp, Inc /Me/ (FNLC) stock forecast?

Our AI ranks First Bancorp, Inc /Me/ outside the neutral middle of its coverage (a directional signal). Create a free account and follow it to see the exact price target.

How accurate are First Bancorp, Inc /Me/ stock predictions?

A per-ticker accuracy statistic for FNLC is published only once its sample size is known. Across our coverage, the out-of-sample test on 4537 stocks from 2025-01-06 to 2026-06-09 produced a positive net return in 73.7% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report

How often are First Bancorp, Inc /Me/ forecasts updated?

First Bancorp, Inc /Me/ forecasts are refreshed on trading days as the daily model run completes. The forecast on this page was produced on Oct. 14, 2026.

Which companies are First Bancorp, Inc /Me/'s industry peers?

60 issuers in our coverage, FNLC included, share the SEC industry code National Commercial Banks. The largest are: Jpmorgan Chase & Co (JPM), Bank Of America Corp /De/ (BAC), Wells Fargo & Company/Mn (WFC), Citigroup Inc (C), Ubs Group Ag (UBS), Capital One Financial Corp (COF).

This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.