First Bancorp, Inc (FNLC)
Operating cash flow minus capital spending left $34.6M of free cash flow in fiscal 2025. At September 30, 2026 it held $32.1M in cash against $70.5M of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 5, 2026.
Key facts about First Bancorp, Inc
- Net worth
- First Bancorp, Inc has a market value (market cap) of $414.1M at the latest share price, and shareholders' equity of $288.1M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $37.8M of cash; after $3.2M of capital spending, free cash flow was $34.6M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 5, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- First Bancorp, Inc's next report is expected around January 20, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- First Bancorp, Inc declared dividends of $1.47 per share in fiscal 2025, a yield of 4.01% at the current price.
What First Bancorp, Inc does
First Bancorp, Inc is registered with the SEC under industry code SIC 6021 (National Commercial Banks). Its shares trade on NASDAQ under the ticker FNLC.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $34.4M | $3.07 | $34.6M |
| 2024 | n/a | $27M | $2.43 | $24.6M |
| 2023 | n/a | $29.5M | $2.66 | $34.3M |
| 2022 | n/a | $39M | $3.53 | $39.8M |
| 2021 | n/a | $36.3M | $3.30 | $52.9M |
| 2020 | n/a | $27.1M | $2.48 | $20.2M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Dividends
First Bancorp, Inc declared $1.47 per share in fiscal 2025. At the current price that is a yield of 4.01%. It paid out $16.3M in cash dividends, 48% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $1.47 | $16.3M | 48% |
| 2024 | $1.43 | $15.8M | 58% |
| 2023 | $1.39 | $15.4M | 52% |
| 2022 | $1.34 | $14.8M | 38% |
| 2021 | $1.27 | $13.9M | 38% |
| 2020 | $1.23 | $13.3M | 49% |
Latest SEC filings
What First Bancorp, Inc has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 5, 2026
- October 26, 2026Form 13F-HR filing 13F-HR
- October 21, 2026
- September 24, 2026Other event 8-K
- August 17, 2026Form N-PX filing N-PX
- August 11, 2026Form 13F-HR filing 13F-HR
- August 7, 2026
- July 22, 2026
- July 8, 2026
- June 25, 2026Other event 8-K
Insider trades
What the people running First Bancorp, Inc did with its shares, from the Form 4 filings they must send the SEC within two business days.
No insider trades were reported in the last 90 days.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| July 28, 2026 | Tolman SarahEVP, Chief Banking Officer | Sold | 5,200 | $183.1K |
| July 1, 2026 | Plummer Tammy LEVP, Chief Information Officer | Shares withheld for tax | 749 | $26.1K |
| April 30, 2026 | Swan KimberlyDirector | Bought | 1,000 | $28.7K |
| April 30, 2026 | Swan KimberlyDirector | Bought | 500 | $14.3K |
| January 29, 2026 | Swan KimberlyDirector | Received as pay | 750 | - |
| January 29, 2026 | Russell Cornelius JDirector | Received as pay | 750 | - |
| January 29, 2026 | Smith Stuart GDirector | Received as pay | 750 | - |
| January 29, 2026 | Martin Brad AEVP, Chief Information Officer | Received as pay | 500 | - |
Who owns FNLC
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
Largest institutional holders
Insiders
18 insiders reported holding 412,630 shares in total, about $15.1M at the last price.
| Holder | Shares |
|---|---|
| McKim Tony CPresident & CEO, Director | 130,100 |
| Smith Stuart GDirector | 106,801 |
| Ward F StephenDirector | 46,063 |
| Tindal Bruce BDirector | 24,418 |
| Elder Richard MEVP, CFO | 20,521 |
| Nicholson Jonathan WEVP, Chief Lending Officer | 16,013 |
| Swan KimberlyDirector | 14,470 |
| Plummer Tammy LEVP, Chief Information Officer | 13,993 |
| Gregory Robert BDirector | 7,097 |
| Nicholson Peter CEVP, Chief Fiduciary Officer | 6,229 |
Questions about FNLC
What does First Bancorp, Inc do?
First Bancorp, Inc is a company in the Finance sector, listed on NASDAQ as FNLC. Its shares trade on NASDAQ under the ticker FNLC.
What is First Bancorp, Inc's net worth?
First Bancorp, Inc has a market value (market cap) of $414.1M at the latest share price, and shareholders' equity of $288.1M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is First Bancorp, Inc profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $39.4M.
When did First Bancorp, Inc last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 5, 2026. It covers the period to September 30, 2026.
When is First Bancorp, Inc's next earnings report?
First Bancorp, Inc's next report is expected around January 20, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does First Bancorp, Inc pay a dividend?
Yes. First Bancorp, Inc declared dividends of $1.47 per share in fiscal 2025, a yield of 4.01% at the current price.
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Where the numbers come from
Financial figures are the values First Bancorp, Inc tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.