First Bancorp Inc (ME)
FNLCFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 1:13 PM ET
36.71-0.30 (-0.80%)
2026-11-11 19:14 CET
Market cap
417.84 USD m
Revenue, TTM
- USD m
Net income, TTM
39.40 USD m
Free cash flow, TTM
32.57 USD m
EPS diluted, TTM
3.50
P/E
10.49
Price
FNLC against its 20, 50 and 200-day averages2050200
4.6% under the 52-week high of 38.49 on 9 Nov 2026. 52-week low 24.63 on 19 Nov 2025. Last 15 sessions, 11.4% high to low
Profile
FNLC52-week range, 87% of the way up
24.6338.49
The First Bancorp, Inc. (Maine) is a bank holding company, which engages in the provision of financial services. It offers time and savings deposits, lending, automated teller machine processing, investment management, and trust services. The company was founded on January 15, 1985 and is headquartered in Damariscotta, ME.
| Index | RUT |
|---|---|
| Employees | 278 |
| IPO | Jul 15, 1999 |
| Beta | 0.47 |
| ATR, 14d | 1.05 |
| Rel volume | 0.13 |
| Short float | 1.50% |
| Insider own | 12.92% |
| Inst own | 45.70% |
Snapshot
6 groupsValuation
| Index | RUT |
|---|---|
| Market Cap | 414.49M |
| Enterprise Value | - |
| Income | 39.40M |
| Sales | 180.01M |
| Book/sh | 25.53 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | 1.50 (4.09%) |
| Dividend Ex-Date | Oct 06, 2026 |
| Dividend Gr. 3/5Y | 3.13% 3.63% |
| Payout | 47.89% |
| Employees | 278 |
| IPO | Jul 15, 1999 |
Ratios
| P/E | 10.49 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 2.30 |
| P/B | 1.44 |
| P/C | - |
| P/FCF | 12.73 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.02 |
| Debt/Eq | 0.50 |
| LT Debt/Eq | 0.24 |
| Option/Short | Yes / Yes |
Earnings
| EPS (ttm) | 3.50 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | -4.59% 4.35% |
| Sales past 3/5Y | 17.93% 14.77% |
| EPS Y/Y TTM | 24.55% |
| Sales Y/Y TTM | 2.06% |
| EPS Q/Q | 16.75% |
| Sales Q/Q | 2.14% |
| Earnings | Jul 22 AMC |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 12.92% |
|---|---|
| Insider Trans | -0.36% |
| Inst Own | 45.70% |
| Inst Trans | 1.35% |
| ROA | 1.22% |
| ROE | 14.00% |
| ROIC | 10.98% |
| Gross Margin | - |
| Oper. Margin | 26.56% |
| Profit Margin | 21.89% |
| SMA20 | 2.02% |
| SMA50 | 4.90% |
| SMA200 | 15.52% |
| Trades | - |
Technical
| Shs Outstand | 11.29M |
|---|---|
| Shs Float | 9.83M |
| Short Float | 1.50% |
| Short Ratio | 4.14 |
| Short Interest | 0.15M |
| 52W High | 38.49 -4.62% |
| 52W Low | 24.63 49.06% |
| Volatility | 3.28% 2.92% |
| ATR (14) | 1.05 |
| RSI (14) | 58.53 |
| Beta | 0.47 |
| Rel Volume | 0.13 |
| Avg Volume | 35.58K |
| Volume | 2,787 |
Performance
| Perf Week | -1.18% |
|---|---|
| Perf Month | 9.36% |
| Perf Quarter | 3.36% |
| Perf Half Y | 30.61% |
| Perf YTD | 38.86% |
| Perf Year | 43.97% |
| Perf 3Y | 53.29% |
| Perf 5Y | 16.44% |
| Perf 10Y | 30.77% |
| Recom | - |
| Target Price | - |
| Prev Close | 37.01 |
| Price | 36.71 |
| Change % | -0.80% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| BHB | Bar Harbor Bankshares Inc | 690.93M |
| CAC | Camden National Corp | 995.72M |
| NBN | Northeast Bank | 1.13B |
| WASH | Washington Trust Bancorp Inc | 744.07M |
| WNEB | Western New England Bancorp Inc | 270.74M |
| AROW | Arrow Financial Corp | 712.58M |
| UNB | Union Bankshares Inc | 111.95M |
| HIFS | Hingham Institution For Savings | 666.82M |
| CHMG | Chemung Financial Corp | 414.28M |
| PBFS | Pioneer Bancorp Inc | 457.96M |
Insider trading
3 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Tolman Sarah | EVP, Chief Banking Officer | Jul 28 '26 | Sale | 35.22 | 5,200 | 183,144 | 2,191 | Jul 29 11:52 AM |
| Tolman Sarah | Officer | Jul 27 '26 | Proposed Sale | 34.98 | 5,200 | 181,896 | Jul 27 10:19 AM | |
| Swan Kimberly | Director | Apr 30 '26 | Buy | 28.69 | 1,500 | 43,030 | 14,470 | May 01 10:39 AM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| IWM | iShares Russell 2000 Index Fund | AUM: 77.38B |
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| AVUV | Avantis U.S. Small Cap Value ETF | AUM: 32.39B |
| DFAT | U.S. Targeted Value Portfolio-ETF Class Shares | - |
| IWN | iShares Russell 2000 Value ETF | AUM: 14.10B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| DFAS | U.S. Small Cap Portfolio-ETF Class Shares | - |
| DFMC | U.S. Micro Cap Portfolio ETF Class Shares | - |
| VTWO | Vanguard Russell 2000 Index ETF | AUM: 16.75B |
| DFAC | U.S. Core Equity 2 Portfolio-ETF Class Shares | - |
News
latest 14 of 200- The First Bancorp Inc.: Q3 Earnings Snapshot (Associated Press)
- The First Bancorp Announces Third Quarter Results (Business Wire)
- The First Bancorp Declares Third Quarter Dividend (Business Wire)
- First Bancorp Inc (FNLC) Q2 2026 Earnings Call Highlights: Strong Net Income Growth and ... (GuruFocus.com)
- The First Bancorp Inc.: Q2 Earnings Snapshot (Associated Press)
- The First Bancorp Announces Second Quarter Results (Business Wire)
- The First Bancorp Declares Second Quarter Dividend (Business Wire)
- The First Bancorp Inc.: Q1 Earnings Snapshot (Associated Press)
- The First Bancorp Announces First Quarter Results (Business Wire)
- The First Bancorp Declares First Quarter Dividend (Business Wire)
- The First Bancorp Inc.: Q4 Earnings Snapshot (Associated Press Finance)
- The First Bancorp Reports Fourth Quarter and 2025 Annual Results (Business Wire)
- The First Bancorp Declares Fourth Quarter Dividend (Business Wire)
- The First Bancorp Inc.: Q3 Earnings Snapshot (Associated Press Finance)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q1 | 2026-04-22 | - | - | 0.799 | - | - | - |
| 2025Q4 | 2026-01-21 | - | - | 0.906 | 25.85 | - | - |
| 2025Q3 | 2025-10-22 | - | - | 0.810 | - | - | - |
| 2025Q2 | 2025-07-23 | - | - | 0.720 | 22.54 | - | - |
| 2025Q1 | 2025-04-23 | - | - | 0.633 | 21.80 | - | - |
| 2024Q4 | 2025-01-22 | - | - | 0.650 | 21.99 | - | - |
| 2024Q3 | 2024-10-23 | - | - | 0.679 | 20.52 | - | - |
| 2024Q2 | 2024-07-24 | - | - | 0.554 | 19.23 | - | - |
| 2024Q1 | 2024-04-17 | - | - | 0.542 | 18.52 | - | - |
| 2023Q4 | 2024-01-24 | - | - | 0.600 | 19.96 | - | - |
| 2023Q3 | 2023-10-18 | - | - | 0.674 | 19.85 | - | - |
| 2023Q2 | 2023-07-19 | - | - | 0.668 | 19.81 | - | - |
| 2023Q1 | 2023-04-19 | - | - | 0.720 | 21.04 | - | - |
| 2022Q4 | 2023-01-18 | - | - | 0.830 | 23.33 | - | - |
| 2022Q3 | 2022-10-19 | - | - | 0.914 | 24.08 | - | - |
| 2022Q2 | 2022-07-20 | - | - | 0.907 | 22.78 | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2010FY | 1.100 | 1.000 | 1.100 | - | 49.00 |
| 2011FY | 1.140 | - | 1.140 | - | - |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | 1.811 | 2.169 | 2.344 | 2.481 | 3.301 | 3.535 | 2.664 | 2.428 | 3.07 | 3.4989 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | 0.679 | 0.65 | 0.633 | 0.72 | 0.81 | 0.906 | 0.799 | 0.848 | 0.946 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Sales, annual | 73.38 | 81.665 | 91.122 | 89.205 | 91.61 | 108.28 | 142.482 | 164.11 | 177.611 | 180.01 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 42.141 | 43.101 | 43.833 | 43.954 | 45.48 | 45.466 | 43.59 | 44.5 | 46.453 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Shares, annual | 10.83 | 10.863 | 10.899 | 10.95 | 10.999 | 11.045 | 11.098 | 11.156 | 11.222 | 11.286 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 11.148 | 11.156 | 11.197 | 11.206 | 11.214 | 11.222 | 11.271 | 11.279 | 11.286 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 161.19 | 160.27 | 148.83 | 128.17 | 93.03 | 77.08 | 77.12 | 78.65 | 70.54 |
| Total Interest Expense | 75.72 | 82.89 | 84.92 | 62.97 | 16.87 | 10.78 | 17.29 | 26.16 | 20.33 |
| Net Interest Income | 85.46 | 77.38 | 63.91 | 65.21 | 76.17 | 66.30 | 59.83 | 52.49 | 50.21 |
| Loan Loss Provision | 2.81 | 1.85 | 0.53 | 1.18 | 1.75 | -0.38 | 6.05 | 1.25 | 1.50 |
| Net Interest Income After Loan Loss Provision | 82.66 | 75.53 | 63.38 | 64.02 | 74.42 | 66.68 | 53.78 | 51.24 | 48.71 |
| Non-Interest Income | 18.82 | 17.34 | 15.28 | 14.31 | 15.24 | 14.53 | 12.09 | 12.47 | 11.12 |
| Non-Interest Expense | 53.67 | 51.53 | 47.69 | 44.29 | 44.52 | 42.73 | 38.05 | 35.59 | 33.86 |
| Operating Income | 47.81 | 41.33 | 30.97 | 34.04 | 45.15 | 38.47 | 27.82 | 28.12 | 25.97 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.31 | 0.00 | 0.00 |
| Net Income Before Taxes | 47.81 | 41.33 | 32.05 | 35.17 | 46.77 | 43.33 | 31.79 | 29.84 | 27.45 |
| Income Taxes | 8.41 | 6.94 | 5.01 | 5.65 | 7.79 | 7.06 | 4.66 | 4.31 | 3.92 |
| Consolidated Net Income | 39.40 | 34.39 | 27.05 | 29.52 | 38.99 | 36.27 | 27.13 | 25.52 | 23.54 |
| Net Income From Continuing Operations | 39.40 | 34.39 | 27.05 | 29.52 | 38.99 | 36.27 | 27.13 | 25.52 | 23.54 |
| Net Income | 39.40 | 34.39 | 27.05 | 29.52 | 38.99 | 36.27 | 27.13 | 25.52 | 23.54 |
| EPS (Recurring) | 3.49 | 3.07 | 2.43 | 2.66 | 3.53 | 3.30 | 2.50 | 2.34 | 2.17 |
| EPS (Basic, Before Extraordinaries) | 3.53 | 3.10 | 2.45 | 2.68 | 3.57 | 3.33 | 2.50 | 2.36 | 2.18 |
| EPS (Diluted) | 3.50 | 3.07 | 2.43 | 2.66 | 3.53 | 3.30 | 2.48 | 2.34 | 2.17 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 0.83 | 0.76 | 0.71 | 0.65 | 0.64 | 0.62 | 0.48 | 0.56 | 0.30 |
| Price To Earnings Ratio | 10.58 | 10.58 | 11.52 | 9.76 | 8.39 | 9.51 | 10.24 | 12.90 | 12.13 |
| Price To Sales Ratio | 2.09 | 1.67 | 1.86 | 2.19 | 3.05 | 3.77 | 3.11 | 3.61 | 3.50 |
| Operating Margin | 26.56 | 23.27 | 18.87 | 23.89 | 41.69 | 42.00 | 31.19 | 30.86 | 31.80 |
| Net Margin | 21.89 | 19.36 | 16.48 | 20.72 | 36.01 | 39.59 | 30.41 | 28.01 | 28.82 |
| Shares Outstanding | 11.29 | 11.22 | 11.16 | 11.10 | 11.05 | 11.00 | 10.95 | 10.90 | 10.86 |
| Market Capitalization | 417.84 | 417.84 | 305.00 | 313.07 | 330.60 | 345.28 | 278.07 | 329.51 | 285.54 |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 41.48 | 39.84 | 39.14 | 40.73 | 41.01 | 39.83 | 38.71 | 39.00 |
| Total Interest Expense | 18.97 | 18.68 | 18.45 | 19.62 | 20.95 | 21.42 | 20.91 | 21.45 |
| Net Interest Income | 22.50 | 21.16 | 20.69 | 21.11 | 20.06 | 18.41 | 17.80 | 17.55 |
| Loan Loss Provision | 0.98 | 0.94 | 0.62 | 0.27 | 0.70 | 0.49 | 0.39 | 1.16 |
| Net Interest Income After Loan Loss Provision | 21.52 | 20.23 | 20.07 | 20.84 | 19.36 | 17.92 | 17.41 | 16.39 |
| Non-Interest Income | 4.98 | 4.66 | 4.45 | 4.73 | 4.47 | 4.13 | 5.12 | 4.10 |
| Non-Interest Expense | 13.55 | 13.38 | 13.62 | 13.13 | 12.75 | 12.20 | 12.84 | 12.14 |
| Operating Income | 12.95 | 11.51 | 10.90 | 12.44 | 11.08 | 9.85 | 9.69 | 8.35 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 12.95 | 11.51 | 10.90 | 12.44 | 11.08 | 9.85 | 8.56 | 8.68 |
| Income Taxes | 2.28 | 1.95 | 1.91 | 2.27 | 2.00 | 1.79 | 1.49 | 1.40 |
| Consolidated Net Income | 10.67 | 9.56 | 8.99 | 10.17 | 9.08 | 8.06 | 7.08 | 7.28 |
| Net Income From Continuing Operations | 10.67 | 9.56 | 8.99 | 10.17 | 9.08 | 8.06 | 7.08 | 7.28 |
| Net Income | 10.67 | 9.56 | 8.99 | 10.17 | 9.08 | 8.06 | 7.08 | 7.28 |
| EPS (Recurring) | 0.95 | 0.85 | 0.80 | 0.91 | 0.81 | 0.72 | 0.63 | 0.65 |
| EPS (Basic, Before Extraordinaries) | 0.96 | 0.86 | 0.81 | 0.91 | 0.82 | 0.73 | 0.64 | 0.65 |
| EPS (Diluted) | 0.95 | 0.85 | 0.80 | 0.91 | 0.81 | 0.72 | 0.63 | 0.65 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 0.18 | 0.24 | 0.24 | 0.16 | 0.20 | 0.36 | 0.18 | 0.17 |
| Price To Earnings Ratio | 10.58 | 10.76 | 9.13 | 9.40 | 10.13 | 10.10 | 10.19 | 11.52 |
| Price To Sales Ratio | 2.09 | 2.19 | 1.77 | 1.66 | 1.67 | 1.65 | 1.63 | 1.87 |
| Operating Margin | 27.88 | 25.87 | 25.01 | 27.37 | 24.36 | 22.42 | 22.10 | 19.36 |
| Net Margin | 22.97 | 21.48 | 20.63 | 22.37 | 19.97 | 18.34 | 16.15 | 16.90 |
| Shares Outstanding | 11.29 | 11.28 | 11.27 | 11.22 | 11.21 | 11.21 | 11.20 | 11.16 |
| Market Capitalization | 417.84 | 392.62 | 315.91 | 296.64 | 294.39 | 284.65 | 276.76 | 305.00 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 27.78 | 27.64 | 31.94 | 22.73 | 20.63 | 26.21 | 14.43 | 19.13 | 19.21 |
| Investments | 640.49 | 680.81 | 678.89 | 691.17 | 766.08 | 752.29 | 663.13 | 598.56 | 565.37 |
| Net Loans | 2,368.74 | 2,316.07 | 2,105.42 | 1,897.95 | 1,632.13 | 1,460.51 | 1,285.44 | 1,227.05 | 1,153.41 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | 0.00 | 0.17 | 0.01 | - | 0.00 | 0.91 | 0.28 | 0.58 | 1.01 |
| Net Property, Plant & Equipment | 28.77 | 27.86 | 28.68 | 28.28 | 28.95 | 27.25 | 21.30 | 22.06 | 22.50 |
| Interest Receivables | 14.19 | 13.98 | 11.89 | 9.83 | 7.54 | 9.30 | 7.17 | 6.66 | 5.87 |
| Deferred Tax Assets | 15.95 | 19.07 | 11.03 | 17.76 | 5.62 | 6.73 | 3.70 | 4.95 | 4.36 |
| Other Intangible Assets | 77.50 | 78.62 | 78.83 | 71.47 | 66.15 | 78.04 | 73.34 | 65.57 | 71.21 |
| Total Assets | 3,173.42 | 3,164.21 | 2,946.70 | 2,739.18 | 2,527.10 | 2,361.24 | 2,068.80 | 1,944.57 | 1,842.93 |
| Total Deposits | 2,664.75 | 2,725.25 | 2,599.66 | 2,378.88 | 2,123.30 | 1,844.61 | 1,650.47 | 1,527.09 | 1,418.88 |
| Total Debt | 188.30 | 146.84 | 70.30 | 104.22 | 136.34 | 262.04 | 184.96 | 210.32 | 228.76 |
| Long Term Debt | 95.89 | 95.47 | 0.56 | 0.72 | 55.09 | 55.10 | 10.11 | 65.11 | 115.12 |
| Provision for Risks Charges | 3.02 | 3.29 | 3.92 | 2.89 | 0.00 | 0.00 | 0.00 | 0.00 | 3.06 |
| Deferred Tax Liabilities | 7.12 | 7.20 | 7.03 | 6.78 | 6.00 | 6.56 | 4.75 | 3.71 | 4.16 |
| Other Liabilities | 27.09 | 29.13 | 22.71 | 17.49 | 15.80 | 24.30 | 16.12 | 11.92 | 6.76 |
| Total Liabilities | 2,890.28 | 2,911.72 | 2,703.62 | 2,510.26 | 2,281.44 | 2,137.51 | 1,856.29 | 1,753.03 | 1,661.61 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 283.14 | 252.49 | 243.08 | 228.92 | 245.66 | 223.73 | 212.51 | 191.54 | 181.32 |
| Total Shareholders Equity | 283.14 | 252.49 | 243.08 | 228.92 | 245.66 | 223.73 | 212.51 | 191.54 | 181.32 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 283.14 | 252.49 | 243.08 | 228.92 | 245.66 | 223.73 | 212.51 | 191.54 | 181.32 |
| Total Liabilities & Stockholders Equity | 3,173.42 | 3,164.21 | 2,946.70 | 2,739.18 | 2,527.10 | 2,361.24 | 2,068.80 | 1,944.57 | 1,842.93 |
| Book Value Per Share | 25.23 | 22.63 | 21.90 | 20.73 | 22.33 | 20.43 | 19.50 | 17.63 | 16.74 |
| Tangible Book Value Per Share | 22.50 | 19.89 | 19.14 | 17.95 | 19.55 | 17.63 | 16.76 | 14.89 | 13.99 |
| Tier 1 Capital | 283.50 | 263.96 | 251.28 | 242.03 | 216.43 | 192.76 | 178.77 | 165.12 | 153.11 |
| Tier 2 Capital | 26.08 | 25.78 | 25.12 | 16.82 | 15.62 | 16.35 | 11.64 | 11.23 | 10.83 |
| Full-Time Employees | 278 | 282 | 275 | 279 | 269 | 255 | 245 | 239 | 235 |
| Price to Book Ratio | 1.45 | 1.19 | 1.38 | 1.50 | 1.41 | 1.24 | 1.55 | 1.49 | 1.64 |
| Return on Assets | 1.09 | 0.89 | 1.04 | 1.48 | 1.48 | 1.22 | 1.27 | 1.24 | 1.06 |
| Return on Equity | 12.84 | 10.91 | 12.51 | 16.43 | 15.45 | 12.44 | 12.63 | 12.62 | 10.80 |
| Return on Invested Capital | 9.07 | 7.77 | 12.12 | 16.98 | 12.06 | 9.73 | 11.47 | 9.17 | 6.61 |
| Current Ratio | 0.02 | 0.03 | 0.02 | 0.02 | 0.07 | 0.08 | 0.04 | 0.05 | 0.03 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | 48.22 | 41.30 | 32.38 | 32.61 | 44.27 | 39.32 | 33.48 | 30.44 | 27.97 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | -13.43 | -3.49 | -6.34 | 3.94 | -4.02 | 9.27 | -8.39 | -4.89 | 4.99 |
| Cash from Operating Activities | 34.79 | 37.81 | 26.05 | 36.55 | 40.25 | 48.59 | 25.09 | 25.56 | 32.96 |
| Capital Expenditures | -2.22 | -3.22 | -1.48 | -2.63 | -1.40 | -3.76 | -2.54 | -1.57 | -1.48 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -6.06 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.01 | 0.02 | 0.00 | 0.00 | 0.04 | 0.00 | 0.07 | 0.00 | 0.00 |
| Purchase or Sale of Investments | -13.15 | 38.02 | 18.64 | 17.20 | -43.06 | -21.40 | -35.34 | -58.45 | -22.40 |
| Purchase of Investments | -69.24 | -15.36 | -29.47 | -88.58 | -102.96 | -226.28 | -362.87 | -170.11 | -90.05 |
| Sale Or Maturity of Investments | 56.09 | 53.37 | 48.11 | 105.78 | 59.90 | 204.88 | 327.53 | 111.67 | 67.66 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.72 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -59.23 | -3.00 | -217.42 | -199.44 | -246.61 | -193.65 | -252.46 | -115.78 | -111.20 |
| Cash Dividends Paid | -16.77 | -16.35 | -15.80 | -15.42 | -14.78 | -13.95 | -13.33 | -12.96 | -12.05 |
| Change in Capital Stock | 0.68 | 0.63 | 0.66 | 0.57 | 0.52 | 0.44 | 0.51 | 0.47 | 0.45 |
| Repurchase of Common Pref Stock | -0.32 | -0.28 | -0.21 | -0.25 | -0.28 | -0.25 | -0.16 | -0.18 | -0.17 |
| Sale of Common Pref Stock | 1.00 | 0.92 | 0.87 | 0.82 | 0.80 | 0.69 | 0.67 | 0.65 | 0.62 |
| Proceedsfrom Stock Options | 1.00 | 0.92 | 0.87 | 0.82 | 0.80 | 0.69 | 0.67 | 0.65 | 0.62 |
| Issuance or Reduction of Debt, Net | -8.09 | 41.54 | 76.63 | -33.83 | -32.86 | -125.70 | 77.08 | -25.36 | -18.44 |
| Change in Long Term Debt | -25.00 | 0.50 | 95.00 | -0.08 | -55.01 | -0.01 | 44.99 | -25.36 | -80.00 |
| Issuance of Long Term Debt | 0.00 | 0.50 | 95.00 | 0.00 | 0.00 | 0.00 | 55.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | -25.00 | 0.00 | 0.00 | -0.08 | -55.01 | -0.01 | -10.01 | -25.36 | -80.00 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | - | - | - | 0.00 | 0.00 | 0.00 | - | 0.00 | 0.00 |
| Cash from Financing Activities | 24.95 | -34.67 | 187.07 | 172.10 | 208.46 | 139.48 | 239.15 | 85.53 | 78.16 |
| Net Change in Cash | 0.51 | 0.14 | -4.31 | 9.21 | 2.09 | -5.58 | 11.78 | -4.70 | -0.07 |
| Free Cash Flow | 32.57 | 34.59 | 24.57 | 33.92 | 38.84 | 44.84 | 22.55 | 23.98 | 31.48 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price to Free Cash Flow | 23.81 | 16.24 | 34.74 | 16.91 | 13.72 | 11.17 | 30.11 | 29.87 | 14.69 |
| Federal Home Loan Advances Increase (Decrease) | - | -1.07 | -3.82 | 0.50 | 1.48 | 5.18 | -1.56 | 2.60 | -1.23 |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 32.12 | 29.76 | 23.61 | 27.78 | 31.61 | 27.36 |
| Investments | 655.99 | 645.31 | 654.59 | 640.49 | 654.82 | 661.53 |
| Net Loans | 2,417.74 | 2,399.16 | 2,379.94 | 2,368.74 | 2,373.43 | 2,369.18 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 28.28 | 28.35 | 28.72 | 28.77 | 27.92 | 28.20 |
| Interest Receivables | 17.05 | 20.11 | 19.25 | 14.19 | 16.26 | 19.39 |
| Deferred Tax Assets | - | - | - | 15.95 | - | - |
| Other Intangible Assets | 100.57 | 93.41 | 94.66 | 77.50 | 94.45 | 93.86 |
| Total Assets | 3,251.78 | 3,216.10 | 3,200.76 | 3,173.42 | 3,198.48 | 3,199.51 |
| Total Deposits | 2,786.67 | 2,679.78 | 2,664.64 | 2,664.75 | 2,737.55 | 2,705.34 |
| Total Debt | 144.88 | 214.07 | 195.80 | 188.30 | 152.97 | 196.17 |
| Long Term Debt | 70.50 | 35.50 | 95.50 | 95.89 | 95.50 | 95.00 |
| Provision for Risks Charges | 3.08 | 2.97 | 2.96 | 3.02 | 3.35 | 3.35 |
| Deferred Tax Liabilities | - | - | - | 7.12 | - | - |
| Other Liabilities | 29.00 | 26.32 | 50.58 | 27.09 | 30.04 | 29.16 |
| Total Liabilities | 2,963.63 | 2,923.14 | 2,913.98 | 2,890.28 | 2,923.91 | 2,934.02 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 288.15 | 292.96 | 286.78 | 283.14 | 274.57 | 265.49 |
| Total Shareholders Equity | 288.15 | 292.96 | 286.78 | 283.14 | 274.57 | 265.49 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 288.15 | 292.96 | 286.78 | 283.14 | 274.57 | 265.49 |
| Total Liabilities & Stockholders Equity | 3,251.78 | 3,216.10 | 3,200.76 | 3,173.42 | 3,198.48 | 3,199.51 |
| Book Value Per Share | 25.53 | 25.97 | 25.44 | 25.23 | 24.48 | 23.69 |
| Tangible Book Value Per Share | 22.82 | 23.26 | 22.73 | 22.50 | 21.75 | 20.96 |
| Full-Time Employees | - | - | - | 278 | - | - |
| Price to Book Ratio | 1.45 | 1.37 | 1.11 | 1.08 | 1.11 | 1.10 |
| Return on Assets | 1.22 | 1.18 | 1.14 | 1.09 | 0.99 | 0.95 |
| Return on Equity | 14.00 | 13.54 | 13.29 | 12.84 | 11.86 | 11.76 |
| Return on Invested Capital | 2.98 | 2.91 | 2.35 | 2.68 | 2.45 | 2.24 |
| Current Ratio | 0.02 | 0.02 | 0.03 | 0.02 | 0.02 | 0.04 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | 12.86 | 11.95 | 11.52 | 11.89 | 10.85 | 9.59 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | -3.19 | -24.74 | 11.20 | 3.30 | 2.34 | -2.28 |
| Cash from Operating Activities | 9.67 | -12.79 | 22.72 | 15.20 | 13.19 | 7.31 |
| Capital Expenditures | -0.07 | -0.19 | -0.53 | -1.43 | -0.30 | -0.14 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.01 | 0.00 | 0.00 | 0.00 | -0.02 | 0.02 |
| Purchase or Sale of Investments | -22.21 | -16.86 | 7.63 | 18.29 | 14.68 | 4.89 |
| Purchase of Investments | -33.38 | -27.85 | -8.02 | 0.00 | -0.50 | -5.21 |
| Sale Or Maturity of Investments | 11.17 | 10.99 | 15.65 | 18.29 | 15.18 | 10.10 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -40.97 | -10.43 | -30.67 | 22.84 | 5.98 | -7.20 |
| Cash Dividends Paid | -4.29 | -4.29 | -4.04 | -4.15 | -4.15 | -4.15 |
| Preferred Dividends (Cash Flow) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | 0.24 | 0.25 | -0.04 | 0.24 | 0.22 | 0.23 |
| Repurchase of Common Pref Stock | -0.03 | -0.02 | -0.28 | 0.00 | -0.01 | 0.00 |
| Sale of Common Pref Stock | 0.27 | 0.27 | 0.24 | 0.24 | 0.23 | 0.23 |
| Proceedsfrom Stock Options | 0.27 | 0.27 | 0.24 | 0.24 | 0.23 | 0.23 |
| Issuance or Reduction of Debt, Net | -69.19 | 18.27 | 7.97 | 34.85 | -43.20 | 10.73 |
| Change in Long Term Debt | 0.00 | -25.00 | 0.00 | 0.00 | 0.50 | 25.00 |
| Issuance of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.50 | 0.00 |
| Reduction of Long Term Debt | 0.00 | -25.00 | 0.00 | 0.00 | 0.00 | 25.00 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | 0.00 | 0.00 | 0.00 | - | - | 0.00 |
| Cash from Financing Activities | 33.66 | 29.37 | 3.79 | -41.86 | -14.92 | 0.81 |
| Net Change in Cash | 2.36 | 6.15 | -4.17 | -3.83 | 4.25 | 0.93 |
| Free Cash Flow | 9.60 | -12.98 | 22.19 | 13.76 | 12.89 | 7.18 |
| Price to Free Cash Flow | 23.81 | 20.42 | 7.98 | 16.26 | 19.27 | 23.48 |
Revenue breakdown
| National Commercial Banks | 2024: 80.27M 2025: 94.72M |
|---|---|
| United States | 2024: 80.27M 2025: 94.72M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 1.50% | 0.1M | 9.8M | 33.87K |
| 2026-10-15 | 1.52% | 0.1M | 9.8M | 34.43K |
| 2026-09-30 | 1.50% | 0.1M | 9.8M | 32.59K |
| 2026-09-15 | 1.64% | 0.2M | 9.8M | 36.13K |
| 2026-08-31 | 1.44% | 0.1M | 9.8M | 35.53K |
| 2026-08-14 | 1.25% | 0.1M | 9.8M | 34.24K |
| 2026-07-31 | 1.24% | 0.1M | 9.8M | 32.35K |
| 2026-07-15 | 1.17% | 0.1M | 9.8M | 28.00K |
| 2026-06-30 | 1.19% | 0.1M | 9.8M | 26.97K |
| 2026-06-15 | 0.86% | 0.1M | 9.8M | 18.98K |
| 2026-05-29 | 0.84% | 0.1M | 9.8M | 18.51K |
| 2026-05-15 | 0.70% | 0.1M | 9.8M | 18.19K |
| 2026-04-30 | 0.74% | 0.1M | 9.8M | 19.83K |
| 2026-04-15 | 0.75% | 0.1M | 9.8M | 20.26K |
| 2026-03-31 | 0.82% | 0.1M | 9.8M | 20.18K |
| 2026-03-13 | 0.84% | 0.1M | 9.8M | 19.89K |
| 2026-02-27 | 0.60% | 0.1M | 9.8M | 19.76K |
| 2026-02-13 | 0.66% | 0.1M | 9.8M | 20.11K |
| 2026-01-30 | 0.59% | 0.1M | 9.8M | 18.45K |
| 2026-01-15 | 0.65% | 0.1M | 9.8M | 19.20K |
Option chain
expiry 2026-11-20| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| call | 20.00 | 15.30 | 19.00 | 0.00 | 4.548 | 0.00 | 0.00 | 0.966 | -0.053 | 0.004 |
| call | 22.50 | 12.80 | 17.00 | 0.00 | 4.279 | 0.00 | 0.00 | 0.959 | -0.052 | 0.005 |
| call | 25.00 | 10.30 | 14.50 | 0.00 | 2.843 | 0.00 | 0.00 | 0.951 | -0.049 | 0.006 |
| call | 30.00 | 4.70 | 9.40 | 0.00 | 2.521 | 0.00 | 0.00 | 0.825 | -0.128 | 0.015 |
| call | 35.00 | 0.10 | 4.90 | 0.00 | 0.823 | 0.00 | 0.00 | 0.664 | -0.097 | 0.021 |
| call | 40.00 | 0.00 | 0.95 | 0.00 | 0.931 | 0.00 | 0.00 | 0.304 | -0.106 | 0.020 |
| call | 45.00 | 0.00 | 0.95 | 0.00 | 1.466 | 0.00 | 0.00 | 0.219 | -0.139 | 0.017 |
| call | 50.00 | 0.00 | 0.95 | 0.00 | 1.747 | 0.00 | 0.00 | 0.160 | -0.136 | 0.014 |
| put | 20.00 | 0.00 | 4.40 | 0.00 | 2.339 | 0.00 | 0.00 | -0.033 | -0.055 | 0.004 |
| put | 22.50 | 0.00 | 0.95 | 0.00 | 1.945 | 0.00 | 0.00 | -0.040 | -0.053 | 0.005 |
| put | 25.00 | 0.00 | 0.20 | 0.00 | 1.545 | 0.00 | 0.00 | -0.047 | -0.047 | 0.006 |
| put | 30.00 | 0.00 | 0.95 | 0.00 | 1.432 | 0.00 | 0.00 | -0.157 | -0.110 | 0.014 |
| put | 35.00 | 0.00 | 1.15 | 0.40 | 0.837 | 1.00 | 0.00 | -0.335 | -0.097 | 0.021 |
| put | 40.00 | 1.05 | 4.90 | 0.00 | 1.235 | 0.00 | 0.00 | -0.720 | -0.091 | 0.019 |
| put | 45.00 | 6.00 | 10.40 | 0.00 | 2.065 | 0.00 | 0.00 | -0.806 | -0.117 | 0.016 |
| put | 50.00 | 12.10 | 14.90 | 0.00 | 2.269 | 0.00 | 0.00 | -0.816 | -0.159 | 0.015 |
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-05 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-09-30 | SEC |
| 2026-10-26 | 13F-HR | Further understand that each of 13F-HR, 13F-NT, and amendments thereto are mandatory electronic filings (hardship exemption exists to submit in paper; never used to the knowledge of IM staff); | 2026-09-30 | SEC |
| 2026-10-21 | 8-K | Current report | 2026-10-21 | SEC |
| 2026-09-24 | 8-K | Current report | 2026-09-24 | SEC |
| 2026-08-17 | N-PX | Annual Report of Proxy Voting Record of Registered Management Investment Companies filed on Form N-PX | 2026-06-30 | SEC |
| 2026-08-11 | 13F-HR | Further understand that each of 13F-HR, 13F-NT, and amendments thereto are mandatory electronic filings (hardship exemption exists to submit in paper; never used to the knowledge of IM staff); | 2026-06-30 | SEC |
| 2026-08-07 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-07-29 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-28 | SEC |
| 2026-07-27 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-07-22 | 8-K | Current report | 2026-07-22 | SEC |
| 2026-07-08 | 8-K | Current report | 2026-07-08 | SEC |
| 2026-07-01 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-01 | SEC |
| 2026-06-25 | 8-K | Current report | 2026-06-25 | SEC |
| 2026-05-18 | 8-K/A | 2026-04-29 | SEC | |
| 2026-05-08 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-05-07 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-07 | SEC |
| 2026-05-01 | 4 | Statement of changes in beneficial ownership of securities | 2026-04-30 | SEC |
| 2026-05-01 | 8-K | Current report | 2026-04-29 | SEC |
| 2026-05-01 | 8-K | Current report | 2026-04-29 | SEC |
| 2026-05-01 | 8-K | Current report | 2026-04-29 | SEC |
| 2026-04-22 | 8-K | Current report | 2026-04-22 | SEC |
| 2026-04-20 | 13F-HR | Further understand that each of 13F-HR, 13F-NT, and amendments thereto are mandatory electronic filings (hardship exemption exists to submit in paper; never used to the knowledge of IM staff); | 2026-03-31 | SEC |
| 2026-03-26 | 8-K | Current report | 2026-03-26 | SEC |
| 2026-03-09 | ARS | Annual report to security holders. | 2025-12-31 | SEC |
| 2026-03-06 | DEF 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2026-04-29 | SEC |
| 2026-03-06 | 10-K | Annual report pursuant to Section 13 or 15(d) | 2025-12-31 | SEC |
| 2026-02-02 | 4 | Statement of changes in beneficial ownership of securities | 2026-01-29 | SEC |
| 2026-02-02 | 4 | Statement of changes in beneficial ownership of securities | 2026-01-29 | SEC |
| 2026-02-02 | 4 | Statement of changes in beneficial ownership of securities | 2026-01-29 | SEC |
| 2026-01-30 | 4 | Statement of changes in beneficial ownership of securities | 2026-01-29 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 183.14K | 1 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 43.03K | 1 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| BlackRock, Inc. | 8.04% |
| First Bancorp, Inc /ME/ | 6.49% |
| DIMENSIONAL FUND ADVISORS LP | 4.15% |
| VANGUARD CAPITAL MANAGEMENT LLC | 3.87% |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | 3.33% |
| GEODE CAPITAL MANAGEMENT, LLC | 2.38% |
| STATE STREET CORP | 2.02% |
| MORGAN STANLEY | 1.63% |
| RENAISSANCE TECHNOLOGIES LLC | 0.83% |
| NORTHERN TRUST CORP | 0.76% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 2.86% |
| iShares Russell 2000 ETF | 2.68% |
| Fidelity Small Cap Index Fund | 1.09% |
| Avantis U.S. Small Cap Value ETF | 1.00% |
| iShares Russell 2000 Value ETF | 0.97% |
| VANGUARD EXTENDED MARKET INDEX FUND | 0.89% |
| U.S. Targeted Value Portfolio | 0.70% |
| Dimensional U.S. Targeted Value ETF | 0.59% |
| U.S. MICRO CAP PORTFOLIO | 0.58% |
| VANGUARD RUSSELL 2000 INDEX FUND | 0.56% |
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