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FNLC Financials First Bancorp, Inc /ME/

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Free cash flow has grown 11.4% per year over the past 5 years.

Financial health

  • Total debt ($188M) exceeds cash ($28M); net debt is $160M.

Shareholder returns

  • Dividends have been paid for 15 consecutive years, consuming 47.5% of earnings and 47.3% of free cash flow.
  • The dividend has grown 4.2% per year over the past 5 years.
Net income
$0 $19M $39M 2011 2013 2015 2017 2019 2021 2023 2025
Net income
Return on equity & assets (ROE / ROA)
0% 9% 17% 2011 2013 2015 2017 2019 2021 2023 2025
ROEROA
Shareholders' equity (book value)
$0 $142M $283M 2011 2013 2015 2017 2019 2021 2023 2025
Equity
Free cash flow (CFO − capex)
$0 $26M $53M 2011 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $169M $337M 2011 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$250M -$5M $239M $0 2011 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MROEROAFCFTotal debtCash
2025 $34M 12.1% 1.1% $35M $188M $28M
2024 $27M 10.7% 0.9% $25M $146M $28M
2023 $30M 12.1% 1.0% $34M $70M $32M
2022 $39M 17.0% 1.4% $40M $103M $23M
2021 $36M 14.8% 1.4% $53M $136M $21M
2020 $27M 12.1% 1.1% $20M $262M $26M
2019 $26M 12.0% 1.2% $24M $185M $14M
2018 $24M 12.3% 1.2% $32M $210M $19M
2017 $20M 10.8% 1.1% $20M $229M $19M
2016 $18M 10.4% 1.1% $19M $279M
2015 $16M 9.7% 1.0% $20M $337M
2014 $15M 9.1% 1.0% $19M $280M
2013 $13M 8.9% 0.9% $23M $279M
2012 $13M 8.1% 0.9% $23M $283M
2011 $12M 8.2% 0.9% $29M $266M

Valuation over time

How the market has priced FNLC against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 5.7 11.5 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
P/E
Dividend yield (%)
0.0 3.1 6.2 Mar '23 Sep '23 Mar '24 Sep '24 Mar '25 Sep '25 Mar '26 Sep '26
Dividend yield %

Frequently asked questions

Is FNLC growing its revenue and profit?

See the revenue and net-income charts above for First Bancorp, Inc /ME/'s multi-year trend.

How much debt does FNLC have?

As of FY2025, First Bancorp, Inc /ME/ reported $188M of total debt against $28M of cash.

What is FNLC's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin —.

What is FNLC's P/E ratio?

As of Sep '26, First Bancorp, Inc /ME/ traded at a price-to-earnings ratio of about 11.5× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.