The First Bancorp, Inc. (FNLC) Stock Score, Valuation & Financial Research
The First Bancorp, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 60/100.
Quick answer for FNLC
The First Bancorp, Inc. currently has a Wall Street Score of 60/100. The stored market price is $35.04. Its financial score is 44/100. Its valuation score is 97/100. These figures are a research snapshot, not a buy or sell recommendation.
What The First Bancorp, Inc. does
The First Bancorp, Inc. functions as the holding company for First National Bank, providing a comprehensive suite of banking products and financial services to both individual customers and commercial enterprises. Its deposit offerings encompass various account types, such as demand, NOW, savings, money market, and certificates of deposit. The institution also plays a key role in commercial real estate financing, issuing mortgage loans for investments in diverse property types including multi-family dwellings, retail outlets, offices, industrial sites, hotels, and educational facilities. It also funds commercial construction projects, whether for owner-occupied properties or other ventures. Additionally, it extends other commercial credit solutions like revolving lines and term loans, designed to assist businesses and corporations with their working capital needs or capital investments.
FNLC financial snapshot
- Wall Street Score:
- 60/100
- Current price:
- $35.04
- Market capitalization:
- $395.1M
- Revenue:
- $174.6M
- Net income:
- $37.8M
- Free cash flow:
- $34.6M
- Cash:
- $29.8M
- Total debt:
- $214.1M
- EPS:
- 3.41
- P/E ratio:
- 10.3x
- Financial score:
- 44/100
- Valuation score:
- 97/100
- Revenue score:
- 32/100
What stands out
- Reported year-over-year revenue growth is -0.0%.
- Free cash flow is $34.6M, showing positive cash generation.
- The balance sheet shows $29.8M of cash versus $214.1M of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 44/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-08.
How to research FNLC
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.