The First Bancorp (FNLC)
Runs First National Bank across coastal and eastern Maine.
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Operates First National Bank, a community bank serving coastal and eastern Maine with local deposits, commercial and residential lending, debit-card and account fees, and wealth management. Its model depends on Maine branch markets, loan quality, deposit funding, and regulated bank competition.
Operates through First National Bank, the 1864-chartered bank serving Mid-Coast, Eastern, and Down East Maine from eighteen full-service offices. The business is conventional community banking: deposits, commercial lending, residential mortgages, home equity loans, debit-card and account fees, and First National Wealth Management trust and investment services.
Competes through local decision-making and familiarity with small businesses, households, municipalities, and nonprofits in its Maine markets. Recent growth has leaned on commercial, residential mortgage, and home equity balances, while core deposit generation and asset pricing shape earnings.
The structure remains concentrated in Maine and tied to bank regulation, credit performance, interest-rate and funding costs, and competition from banks, credit unions, mortgage companies, asset managers, and insurers.
Company facts
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $29.8M · Total debt $214.1M · Total assets $3.22B · Shareholders' equity $293.0M
- Revenue
- $44.5M
- Operating income
- $11.5M
- Net income
- $9.6M
HistoryDividendAnnual yield
| Institutions | ≈ 45.85% | 5.17M shares | |
|---|---|---|---|
| 116 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 3.91% | 440.9K shares | |
| 19 holders · as of Jul 29, 2026 | |||
| Other | ≈ 50.24% | 5.66M shares | |
| remainder | |||
11.28M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 8.04% | 906,027 | as of Jun 30, 2026 |
First Bancorp, Inc /ME/Institution | 6.55% | 738,401 | as of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 4.08% | 459,542 | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 3.87% | 436,534 | as of Jun 30, 2026 |
Manufacturers Life Insurance Company, theInstitution | 3.33% | 375,643 | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jul 28, 2026 | Sarah Tolman | officer: EVP, Chief Banking Officer | −5,200 | $35.22 |
| Apr 30, 2026 | Kimberly Swan | director | +1,500 | $28.69 |
- Camden National
Closest public Maine community-bank peer across branches, loans, and wealth
- Bar Harbor Bankshares
Northern New England community-bank peer with heavy Maine overlap
- Toronto-Dominion Bank
Scale competitor through TD Bank's Maine-to-Florida U.S. banking network
- KeyCorp
Large regional bank with Maine branches and commercial-banking scale
- Northeast Bank
Maine public bank overlapping in deposits, CRE lending, and SBA loans
- Bank of America
National-bank pressure in Maine retail, mortgage, cards, and wealth
CompareAfter hours
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| The First Bancorp | $34.22 | −1.13% | $392.4M | 10.3 | — | 2.2 | +1.2% |
| Camden National | $56.86 | −0.12% | $967.4M | 11.0 | 10.3 | 2.8 | +20.5% |
| Bar Harbor Bankshares | $40.13 | +0.19% | $674.4M | 13.6 | 10.8 | 3.0 | +43.8% |
| Toronto-Dominion Bank | $122.65 | +0.00% | $209.57B | 18.6 | 16.8 | 2.6 | −22.1% |
| KeyCorp | $20.53 | +0.24% | $22.53B | 12.1 | 10.5 | 2.1 | +7.3% |
| Northeast Bank | $131.86 | −0.12% | $1.10B | 10.4 | 9.0 | 2.9 | +4.1% |
| Bank of America | $56.36 | +0.26% | $411.32B | 13.4 | 11.4 | 2.1 | +19.3% |
| Median | 12.7 | 10.7 | 2.7 | +13.3% |