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First

NSQ:FNLC · US31866P1021
BanksX-Small

360

66
Medium confidence — indicative
Profit price84
Cash yield1
Price/Sales40
EV / Gross Profit13
Price/Book46
Returns on capital44
Profit margins—
Cash Conversion92
Accruals84
Owner Earnings Margin90
Sales growth43
Profit Growth63
Owner Earnings Growth58
Reinvestment65
Price momentum53
Debt load24
Debt serviceability75
Liquidity40
Analyst ratings—
Expectations trend—
Market mood1
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

First clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeX-Small
TypePublic Company
ExchangeNASDAQGS
Founded1985
Websiteinvestors.thefirst.com
ISINUS31866P1021
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)
Themes
BankingCommunitiesFinancial Services

Description

The First Bancorp, Inc. operates as the parent holding company for First National Bank (the bank) that provides a range of banking products and services to individual and corporate customers. The bank offers traditional banking products & services i…

Analysis

Hidden champion

The First Bancorp, Inc. fits the profile of a hidden champion, yet the market has not awarded it the premium its quality earns.

On valuation, the picture is attractive. The owner-earnings multiple stands at 9.5×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is adequate. The company scores 13/20 on our value-creation score: creating some value.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
47
20232026

All-time high

49

Jan 2023

All-time low

22

Mar 2026

Average rank

39

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
40
—
—
38
Price/Earnings
100
—
—
84
Price/Book
46
—
—
16
Dividend Yield
1
—
—
99
Value (overall)
41
—
—
71

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →