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
Net income
Return on equity & assets (ROE / ROA)
ROEROA
Shareholders' equity (book value)
Equity
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
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
—
Net income
Net income
Return on equity & assets (ROE / ROA)
ROEROA
Shareholders' equity (book value)
Equity
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
Jun '26
—
$10M
—
—
3.3%
0.3%
-$13M
$214M
$30M
Mar '26
—
$9M
—
—
3.1%
0.3%
$22M
$196M
$24M
Dec '25
—
$10M
—
—
3.6%
0.3%
$14M
$188M
$28M
Sep '25
—
$9M
—
—
3.3%
0.3%
$13M
$153M
$32M
Jun '25
—
$8M
—
—
3.0%
0.3%
$7M
$196M
$27M
Mar '25
—
$7M
—
—
2.7%
0.2%
$828000
$185M
$26M
Dec '24
—
$7M
—
—
2.9%
0.2%
$10M
$146M
$28M
Sep '24
—
$8M
—
—
2.9%
0.2%
$10M
$151M
$35M
Jun '24
—
$6M
—
—
2.5%
0.2%
$6M
$231M
$28M
Mar '24
—
$6M
—
—
2.5%
0.2%
-$2M
$155M
$24M
Dec '23
—
$7M
—
—
2.7%
0.2%
$10M
$70M
$32M
Sep '23
—
$7M
—
—
3.3%
0.3%
$9M
$83M
$30M
Jun '23
—
$7M
—
—
3.2%
0.3%
$11M
$114M
$25M
Mar '23
—
$8M
—
—
3.5%
0.3%
$5M
$84M
$27M
Dec '22
—
$9M
—
—
4.0%
0.3%
$9M
$103M
$23M
Sep '22
—
$10M
—
—
4.6%
0.4%
$13M
$118M
$27M
Jun '22
—
$10M
—
—
4.4%
0.4%
$11M
$127M
$23M
Mar '22
—
$10M
—
—
4.2%
0.4%
$7M
$134M
$22M
Dec '21
—
$10M
—
—
3.9%
0.4%
$11M
$136M
$21M
Sep '21
—
$9M
—
—
3.8%
0.4%
$13M
$233M
$27M
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.
The price-to-earnings ratio has risen from 7.4× (Mar '23) to 12.2× (Nov '26).
The dividend yield has fallen from 5.1% (Mar '23) to 3.9% (Nov '26).
Price / earnings (P/E)
P/E
Dividend yield (%)
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?
First Bancorp, Inc /ME/'s P/E (TTM) is 11.10 as of the 2026-11-04 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the FNLC stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 12.2× as of Nov '26) can differ. 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), split-adjusted; price return — dividends not reinvested ·
growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price
against the latest annual filing. Informational only — not investment advice.