The First Bancorp
Runs First National Bank across coastal and eastern Maine.
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Profile
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
Categories
Key statistics
Year to date +31.5% · Average volume (30d) 30.9K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 22, 2026Q2 FY26 | — | $0.85 | — | — | $44.5M | — | +0.27% |
| Apr 22, 2026Q1 FY26 | — | $0.80 | — | — | $39.1M | — | +1.75% |
| Jan 21, 2026Q4 FY25 | — | $0.91 | — | — | $45.5M | — | −0.62% |
| Oct 22, 2025Q3 FY25 | — | $0.81 | — | — | $45.5M | — | −1.44% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $42.7M | $44.0M | $45.5M | $45.5M | $39.1M | $44.5M | |
| Gross profit | $21.4M | $22.1M | $23.8M | $25.6M | $20.7M | $24.9M | |
| Operating income | $8.6M | $9.9M | $11.1M | $12.4M | $6.5M | $11.5M | |
| Net income | $7.1M | $8.1M | $9.1M | $10.2M | $9.0M | $9.6M | |
| Diluted EPS | $0.63 | $0.72 | $0.81 | $0.91 | $0.80 | $0.85 | |
| Gross margin | 50.1% | 50.2% | 52.4% | 56.2% | 52.9% | 55.9% | |
| Operating margin | 20.1% | 22.4% | 24.4% | 27.4% | 16.5% | 25.9% |
Fiscal years (4-quarter sums)FY21 $96.5M · FY22 $109.9M · FY23 $143.6M · FY24 $165.7M · FY25 $177.6M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $29.8M · Total debt $214.1M · Total assets $3.22B · Shareholders' equity $293.0M
Dividends
Raised for 30 straight years — most recently to $0.38 from $0.37 in Jul 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jul 7, 2026 | Jul 7 | Jul 17 | $0.38 | raised from $0.37 |
| Apr 7, 2026 | Apr 7 | Apr 17 | $0.37 | |
| Jan 6, 2026 | Jan 6 | Jan 16 | $0.37 | |
| Oct 6, 2025 | Oct 6 | Oct 16 | $0.37 | |
| Jul 8, 2025 | Jul 8 | Jul 18 | $0.37 | raised from $0.36 |
| Apr 8, 2025 | Apr 8 | Apr 18 | $0.36 | |
| Jan 6, 2025 | Jan 6 | Jan 16 | $0.36 | |
| Oct 8, 2024 | Oct 8 | Oct 18 | $0.36 |
Ownership
Shares outstanding 11.28M · Float 10.67M · 94.7% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 906.0K | 8.04% | 13F | Aug 7, 2026 |
| First Bancorp, Inc /ME/ | 738.4K | 6.55% | 13F | Aug 11, 2026 |
| Dimensional Fund Advisors LP | 459.5K | 4.08% | 13F | Aug 11, 2026 |
| Vanguard Capital Management LLC | 436.5K | 3.87% | 13F | Aug 13, 2026 |
| Manufacturers Life Insurance Company, the | 375.6K | 3.33% | 13F | Aug 14, 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 |
Peers
- 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 close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| The First Bancorp | $34.76 | +0.09% | $391.9M | 10.3 | — | 2.2 | +1.2% |
| Camden National | $56.66 | −0.07% | $958.4M | 10.9 | 10.2 | 2.8 | +20.5% |
| Bar Harbor Bankshares | $39.40 | −0.18% | $659.6M | 13.3 | 10.7 | 2.9 | +43.8% |
| Toronto-Dominion Bank | $120.19 | −0.90% | $204.85B | 18.1 | 15.8 | 2.5 | −22.1% |
| KeyCorp | $21.91 | +0.07% | $23.65B | 12.7 | 11.2 | 2.3 | +7.3% |
| Northeast Bank | $129.23 | −0.15% | $1.07B | 10.2 | 8.8 | 2.8 | +4.1% |
| Bank of America | $62.30 | −0.04% | $442.26B | 14.4 | 12.7 | 2.3 | +19.3% |
| Median | 13.0 | 10.9 | 2.6 | +13.3% |