FNLC
The First Bancorp, Inc.
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Neutral
+17/100
Last price
33.75
▼ 0.08 (0.24%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
Lower pane
Overlay another symbol
Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
33.99
Prev close
33.83
Day high
34.12
Day low
33.50
Volume
46.44K
Market cap
$380.78M
P/E (TTM)
10.01
52W range
24.08 – 36.30
Day trading desk
Gap from prior close
-0.64%
Prior close 34.21
VWAP
33.82
-0.21% from price
Relative volume
0.97×
Normal
Session range
1.85%
33.50 – 34.12
Position in range
40%
Mid range
ATR (14D)
0.94
2.77% of price
Prior day high
34.44
PDH
Prior day low
33.66
PDL
Bid / ask spread
—
Quote not published
Session volume
32.30K
Avg 33.46K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-0.06%
-2.0%
1M
-3.96%
-5.1%
3M
+1.56%
-3.0%
6M
+17.43%
-0.8%
YTD
+27.65%
+13.4%
1Y
+30.46%
+14.0%
3Y
+43.62%
-38.6%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on FNLC open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-3.70K
Net selling
Buy transactions
1
1.50K shares
Sell transactions
1
5.20K shares
Net transactions
+2
Buys less sells
Sell : buy shares
3.5 : 1
Mixed
Insider-held shares
550.47K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Jul 28, 26 | TOLMAN SARAH J Officer |
SELL | 5.20K | $183.14K | Direct |
| Apr 30, 26 | SWAN KIMBERLY Director |
BUY | 1.50K | $43.03K | Direct |
| Jan 29, 26 | WARD F STEPHEN Director |
STOCK | 750 | $0 | Direct |
| Jan 29, 26 | TINDAL BRUCE B Director |
STOCK | 750 | $0 | Direct |
| Jan 29, 26 | SMITH STUART G Director |
STOCK | 750 | $0 | Direct |
| Jan 29, 26 | ELDER RICHARD M Chief Financial Officer |
STOCK | 3.30K | $0 | Direct |
| Jan 29, 26 | MCKIM TONY C Chief Executive Officer |
STOCK | 9.63K | $0 | Direct |
| Jan 29, 26 | RUSSELL CORNELIUS J Director |
STOCK | 750 | $0 | Direct |
| Jan 29, 26 | TOLMAN SARAH J Officer |
STOCK | 2.93K | $0 | Direct |
| Jan 29, 26 | PLUMMER TAMMY L Chief Technology Officer |
STOCK | 2.55K | $0 | Direct |
| Jan 29, 26 | KELLY RENEE W Director |
STOCK | 750 | $0 | Direct |
| Jan 29, 26 | NICHOLSON JONATHAN W Officer |
STOCK | 3.12K | $0 | Direct |
| Jan 29, 26 | SWAN KIMBERLY Director |
STOCK | 750 | $0 | Direct |
| Jan 29, 26 | NICHOLSON PETER C Officer |
STOCK | 1.94K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
ACOSTA REBOYRAS JUAN |
Director | 24.52K | Stock Award(Grant) |
ELDER RICHARD M |
Chief Financial Officer | 32.22K | Stock Award(Grant) |
GREGORY ROBERT B |
Director | 55.02K | Stock Award(Grant) |
LOPEZ-LAY VIZCARRA GINORIS C |
Officer | 193.41K | Sale |
MCKIM TONY C |
Chief Executive Officer | 143.96K | Stock Award(Grant) |
NORTON SUSAN A |
Officer | 34.46K | Stock Award(Grant) |
PLUMMER TAMMY L |
Chief Technology Officer | 25.66K | Stock Award(Grant) |
SMITH STUART G |
Director | 122.18K | Stock Award(Grant) |
TINDAL BRUCE B |
Director | 25.42K | Stock Award(Grant) |
WARD F STEPHEN |
Director | 46.06K | Stock Award(Grant) |
Fundamentals
Market cap$380.78M
Enterprise value$561.47M
Revenue (TTM)$98.81M
Gross profit$98.81M
EBITDA—
Net income$37.81M
EPS (TTM)$3.37
Free cash flow—
Total cash$38.12M
Total debt$218.82M
Book value / share$25.97
Shares outstanding11.28M
Float10.68M
Short % of float1.51%
Dividend yield4.49%
Beta (5Y)0.48
Valuation & profitability ratios
Trailing P/E10.01
Forward P/E—
PEG ratio—
Price / sales—
Price / book1.30
EV / revenue5.68
EV / EBITDA—
Gross margin0.00%
Operating margin48.70%
Profit margin38.26%
Return on equity13.54%
Return on assets1.18%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $94.77M | $80.50M | $80.65M | $93.04M | +17.7% |
| Operating revenue | $94.77M | $80.50M | $80.65M | $93.04M | +17.7% |
| Selling, general & admin | $29.72M | $26.62M | $23.90M | $24.38M | +11.6% |
| Pre-tax income | $41.94M | $32.58M | $35.70M | $47.39M | +28.7% |
| Tax provision | $7.54M | $5.54M | $6.18M | $8.40M | +36.2% |
| Net income | $34.39M | $27.05M | $29.52M | $38.99M | +27.2% |
| Net income to common | $34.39M | $27.05M | $29.52M | $38.99M | +27.2% |
| Basic EPS | 3.10 | 2.45 | 2.68 | 3.56 | +26.5% |
| Diluted EPS | 3.07 | 2.43 | 2.66 | 3.53 | +26.3% |
| Basic shares | 11.09M | 11.04M | 11.01M | 10.95M | +0.5% |
| Diluted shares | 11.20M | 11.13M | 11.10M | 11.05M | +0.7% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $31.90M | $49.74M | $35.43M | $26.42M | — | -35.9% |
| Accounts receivable | $14.19M | $13.98M | $11.89M | $9.83M | — | +1.5% |
| Property, plant & equipment | $28.77M | $27.86M | $28.68M | $28.28M | — | +3.3% |
| Goodwill & intangibles | $30.65M | $30.65M | $30.65M | $30.65M | — | 0.0% |
| Total assets | $3.17B | $3.16B | $2.95B | $2.74B | — | +0.3% |
| Current debt | $42.00M | — | $20.08M | $38.99M | $0 | — |
| Long-term debt | $95.50M | $95.00M | — | $84.00K | $55.09M | +0.5% |
| Total debt | $137.50M | $95.00M | $20.08M | $39.07M | — | +44.7% |
| Total liabilities | $2.88B | $2.90B | $2.70B | $2.51B | — | -0.7% |
| Retained earnings | $240.46M | $222.82M | $211.93M | $204.34M | — | +7.9% |
| Shareholder equity | $283.14M | $252.49M | $243.08M | $228.92M | — | +12.1% |
| Net tangible assets | $252.50M | $221.85M | $212.43M | $198.28M | — | +13.8% |
| Shares issued | 11.22M | 11.16M | 11.10M | 11.05M | — | +0.6% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $34.39M | $27.05M | $29.52M | $38.99M | +27.2% |
| Depreciation & amortisation | $2.21M | $2.21M | $2.11M | $1.98M | -0.0% |
| Stock-based compensation | $966.00K | $895.00K | $820.00K | $809.00K | +7.9% |
| Change in working capital | -$3.49M | -$6.34M | $3.94M | -$4.02M | +44.9% |
| Operating cash flow | $37.81M | $26.05M | $36.92M | $41.21M | +45.2% |
| Capital expenditure | -$3.22M | -$1.48M | -$2.63M | -$1.40M | -118.3% |
| Investing cash flow | -$3.00M | -$217.42M | -$199.81M | -$247.58M | +98.6% |
| Share buybacks | -$282.00K | -$212.00K | -$250.00K | -$277.00K | -33.0% |
| Dividends paid | -$16.35M | -$15.80M | -$15.42M | -$14.78M | -3.4% |
| Financing cash flow | -$34.67M | $187.07M | $172.10M | $208.46M | -118.5% |
| Free cash flow | $34.59M | $24.57M | $34.28M | $39.81M | +40.8% |
| End cash position | $27.78M | $27.64M | $31.94M | $22.73M | +0.5% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $25.82M | $25.14M | $25.89M | $24.53M | $22.54M | +2.7% |
| Operating revenue | $25.82M | $25.14M | $25.89M | $24.53M | $22.54M | +2.7% |
| Selling, general & admin | $7.72M | $7.90M | $7.83M | $7.37M | $6.98M | -2.2% |
| Pre-tax income | $11.51M | $10.90M | $12.44M | $11.08M | $9.85M | +5.6% |
| Tax provision | $1.95M | $1.91M | $2.27M | $2.00M | $1.79M | +2.1% |
| Net income | $9.56M | $8.99M | $10.17M | $9.08M | $8.06M | +6.3% |
| Net income to common | $9.56M | $8.99M | $10.17M | $9.08M | $8.06M | +6.3% |
| Basic EPS | 0.86 | 0.81 | 0.92 | 0.82 | 0.73 | +6.2% |
| Diluted EPS | 0.85 | 0.80 | 0.91 | 0.81 | 0.72 | +6.2% |
| Basic shares | 11.12M | 11.10M | 11.06M | 11.08M | 11.05M | +0.1% |
| Diluted shares | 11.25M | 11.24M | 11.18M | 11.21M | 11.20M | +0.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $32.47M | $53.68M | $31.90M | $38.83M | $30.61M | — | -39.5% |
| Accounts receivable | $20.11M | $19.25M | $14.19M | $16.26M | $19.39M | — | +4.5% |
| Property, plant & equipment | $28.35M | $28.72M | $28.77M | $27.92M | $28.20M | — | -1.3% |
| Goodwill & intangibles | $30.65M | $30.65M | $30.65M | $30.65M | $30.65M | — | 0.0% |
| Total assets | $3.22B | $3.20B | $3.17B | $3.20B | $3.20B | — | +0.5% |
| Current debt | $178.57M | $100.30M | $42.00M | — | $101.17M | $115.44M | +78.0% |
| Long-term debt | $35.50M | $95.50M | $95.50M | $95.50M | $95.00M | — | -62.8% |
| Total debt | $214.07M | $195.80M | $137.50M | $95.50M | $196.17M | — | +9.3% |
| Total liabilities | $2.92B | $2.91B | $2.88B | $2.92B | $2.93B | — | +0.3% |
| Retained earnings | $250.25M | $245.00M | $240.46M | $234.44M | $229.51M | — | +2.1% |
| Shareholder equity | $292.96M | $286.78M | $283.14M | $274.57M | $265.49M | — | +2.2% |
| Net tangible assets | $262.31M | $256.14M | $252.50M | $243.92M | $234.85M | — | +2.4% |
| Shares issued | 11.28M | 11.27M | 11.22M | 11.21M | 11.21M | — | +0.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $9.56M | $8.99M | $10.17M | $9.08M | $8.06M | +6.3% |
| Depreciation & amortisation | $536.00K | $550.00K | $564.00K | $554.00K | $537.00K | -2.5% |
| Stock-based compensation | $306.00K | $306.00K | $202.00K | $254.00K | $212.00K | 0.0% |
| Change in working capital | -$24.74M | $11.20M | $3.30M | $2.34M | -$2.28M | -320.9% |
| Operating cash flow | -$12.97M | $22.77M | $15.37M | $12.90M | $7.37M | -156.9% |
| Capital expenditure | -$189.00K | -$526.00K | -$1.43M | -$299.00K | -$135.00K | +64.1% |
| Investing cash flow | -$10.25M | -$30.73M | $22.67M | $6.26M | -$7.25M | +66.7% |
| Share buybacks | -$21.00K | -$278.00K | $2.00K | -$9.00K | $2.00K | +92.4% |
| Dividends paid | -$4.29M | -$4.04M | -$4.15M | -$4.15M | -$4.15M | -6.1% |
| Financing cash flow | $29.37M | $3.79M | -$41.86M | -$14.92M | $812.00K | +675.7% |
| Free cash flow | -$13.16M | $22.25M | $13.93M | $12.60M | $7.23M | -159.1% |
| End cash position | $29.76M | $23.61M | $27.78M | $31.61M | $27.36M | +26.1% |
Options analytics
Put / call volume
1.00
Call-heavy session
Put / call open interest
—
Positioning, not flow
Max pain
30.00
-11.1% from spot
ATM implied vol
0.0%
Nearest strike to spot
Skew (10% OTM)
+25.0%
Puts bid over calls
Call volume
1
Contracts, this expiry
Put volume
1
Contracts, this expiry
Heaviest call OI
30.00
0 contracts
Heaviest put OI
30.00
0 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Mar 2015 | 0.34 | 0.39 | +16.1% |
| Dec 2014 | 0.35 | 0.32 | -8.1% |
| Sep 2014 | 0.35 | 0.38 | +8.3% |
| Jun 2014 | 0.33 | 0.35 | +5.4% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders4.88%
Held by institutions54.27%
Institutions holding166
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
33.98
-0.68% from price
SMA 20
34.53
-2.25% from price
SMA 50
34.84
-3.12% from price
SMA 100
33.32
+1.28% from price
SMA 200
30.68
+10.00% from price
EMA 12
34.14
-1.14% from price
EMA 26
34.40
-1.88% from price
EMA 50
34.30
-1.61% from price
RSI (14)
42.0
Neutral
MACD (12,26,9)
-0.26
Hist -0.07
ATR (14)
0.94
2.77% of price
Realised vol 30D
16.7%
Annualised
Bollinger upper
35.76
20, 2σ
Bollinger lower
33.29
20, 2σ
50 / 200 cross
Golden
34.84 vs 30.68
Trend bias
Above 200
+10.00%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.26
Less volatile than market
Correlation to SPY
0.13
Largely independent
Realised vol 30D
16.7%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-10.4%
Peak to trough
Max drawdown 5Y
-34.9%
Peak to trough
ATR 14
0.94
2.77% of price
Beta (reported)
0.48
5Y monthly, from filing
Short interest
Shares short
160.27K
Prior 122.67K
Change vs prior
+30.7%
Shorts adding
% of float
1.51%
Normal
% of shares out
1.42%
Against total outstanding
Days to cover
6.5
Crowded exit
Float
10.68M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Dividends & splits
Forward rate$1.52 / yr
Forward yield4.49%
5-year avg yield5.02%
Payout ratio55.19%
Ex-dividend dateOct 6, 2026
Next pay dateOct 16, 2026
Last split3:1
Split dateJun 2, 2004
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-09-24
Annual Report of Proxy Voting Record of Registered Management Investment Companies filed on Form N-PX
N-PX · 2026-08-17
Periodic Financial Reports
10-Q · 2026-08-07
Corporate Changes & Voting Matters
8-K · 2026-07-22
Corporate Changes & Voting Matters
8-K · 2026-07-08
Corporate Changes & Voting Matters
8-K · 2026-06-25
Corporate Changes & Voting Matters
8-K/A · 2026-05-18
Periodic Financial Reports
10-Q · 2026-05-08
Headlines
5 High-Yield Dividends That Pay You Soon (But You Must Act Now)
24/7 Wall St. · 5d ago
The First Bancorp Declares Third Quarter Dividend
Business Wire · 12d ago
First Bancorp Inc (FNLC) Q2 2026 Earnings Call Highlights: Strong Net Income Growth and ...
GuruFocus.com · 76d ago
The First Bancorp Inc.: Q2 Earnings Snapshot
Associated Press · 76d ago
The First Bancorp Announces Second Quarter Results
Business Wire · 76d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.