---
title: "The First Bancorp, Inc. (FNLC.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/FNLC.US.md"
symbol: "FNLC.US"
name: "The First Bancorp, Inc."
industry: "Regional Banks"
datetime: "2026-06-10T10:44:42.434Z"
locales:
  - [en](https://longbridge.com/en/quote/FNLC.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/FNLC.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/FNLC.US.md)
---

# The First Bancorp, Inc. (FNLC.US)

## Company Overview

The First Bancorp, Inc. operates as the bank holding company for First National Bank that provides a range of banking products and services to individual and corporate customers. It accepts various deposit products, including demand, NOW, time, savings, money market, and certificates of deposit accounts. The company also provides commercial loans, such as mortgage loans to finance investments in real property, which includes retail spaces, offices, industrial buildings, hotels, educational facilities, and other specific or mixed use properties; commercial real estate non-owner occupied loans; commercial construction to finance construction in a mix of owner- and nonowner occupied commercial real estate properties; and commercial and industrial loans, including revolving and term loans for financing working capital and/or capital investment.

| Item | Detail |
|------|--------|
| Industry | Regional Banks |
| Exchange | US Market |
| Website | [www.thefirst.com](https://www.thefirst.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: B
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-06-10T04:30:15.000Z

**Overall: B (0.38)**

**Industry**: Regional Banks

| Metric | Value |
|--------|-------|
| Industry Ranking | 94 / 327 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

**Multi Score**: B

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 16.88% |  |
| Net Profit YoY | 29.21% |  |
| P/B Ratio | 1.18 |  |
| Dividend Ratio | 4.92% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 338949285.48 |  |
| Revenue | 95978000.00 |  |

#### Multi Score Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 13.29% | B |
| Profit Margin | 37.83% | A |
| Gross Margin | 0.00% | E |
| Revenue YoY | 16.88% | B |
| Net Profit YoY | 29.21% | B |
| Total Assets YoY | 0.42% | C |
| Net Assets YoY | 10.44% | B |
| Cash Flow Margin | 160.86% | B |
| OCF YoY | 16.88% | B |
| Turnover | 0.00 | E |
| Gearing Ratio | 0.00% | A |

```chart-data:radar
{
  "title": "Longbridge Financial Score - The First Bancorp, Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "16.88%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "29.21%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "1.18",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "4.92%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "338949285.48",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "95978000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "B",
      "indicators": [
        {
          "name": "ROE",
          "value": "13.29%",
          "rating": "B"
        },
        {
          "name": "Profit Margin",
          "value": "37.83%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        },
        {
          "name": "Revenue YoY",
          "value": "16.88%",
          "rating": "B"
        },
        {
          "name": "Net Profit YoY",
          "value": "29.21%",
          "rating": "B"
        },
        {
          "name": "Total Assets YoY",
          "value": "0.42%",
          "rating": "C"
        },
        {
          "name": "Net Assets YoY",
          "value": "10.44%",
          "rating": "B"
        },
        {
          "name": "Cash Flow Margin",
          "value": "160.86%",
          "rating": "B"
        },
        {
          "name": "OCF YoY",
          "value": "16.88%",
          "rating": "B"
        },
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        },
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 9.33 | 23/327 | 9.88 | 9.40 | 9.02 |
| PB | 1.18 | 140/327 | 1.14 | 1.11 | 1.06 |
| PS (TTM) | 3.53 | 127/327 | 3.52 | 3.39 | 3.29 |
| Dividend Yield | 4.92% | 13/327 | 5.73% | 5.42% | 5.17% |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Truist Financial (TFC.US) | C | B | E | A | B | B |
| 02 | Huntington Bancshares (HBAN.US) | C | B | E | A | B | B |
| 03 | East West Bancorp (EWBC.US) | B | B | E | A | B | B |
| 04 | Pinnacle Financial (PNFP.US) | C | A | E | A | A | B |
| 05 | Wintrust Financial (WTFC.US) | B | B | E | A | B | B |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/FNLC.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/FNLC.US/norm.md)
- [Related News](https://longbridge.com/en/quote/FNLC.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/FNLC.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**