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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 6.1 12.2 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?

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.