Stock Analysis
The First Bancorp, Inc. (FNLC) Stock Analysis
The First Bancorp, Inc. (FNLC) stock analysis covering valuation, fundamentals, technical indicators, risk, AIQ Momentum, analyst catalysts, dividends, and the current AIQ Score.
The First Bancorp, Inc. (FNLC) currently has an AIQ Score of 57/100, indicating a neutral setup. Momentum is the strongest factor at 60/100. Risk is the weakest current factor at 51/100. Technical, fundamental, catalyst, dividend, and risk evidence should be read together at the latest market-close snapshot.
FNLC at a Glance
Crawlable current metrics from the latest market-close stock snapshot.
| Metric | Current |
|---|---|
| Price | $35.14 |
| AIQ Score | 57/100 |
| Overall View | Neutral |
| Technical Analysis Consensus | Buy |
| Market Cap | $382.81M |
| P/E Ratio | 10.48 |
| Forward P/E | — |
| EPS | $0.86 |
| Revenue TTM | $44.5M |
| Dividend Yield | 0.01% |
| Beta | 0.48 |
| Volume | 14.72K |
| 52-week range | $24.08-$36.30 |
| RSI 14 | 47.6 |
| 50-Day SMA | $34.78 |
| 200-Day SMA | $29.81 |
| Analyst Price Target | — |
| Next Earnings | Oct 21, 2026 |
FNLC
OverviewFNLC Stock Analysis Summary
The First Bancorp, Inc. (FNLC) currently has an AIQ Score of 57/100, indicating a neutral setup. Momentum is the strongest factor at 60/100. Risk resilience is the weakest current factor at 51/100. Technical, fundamental, catalyst, dividend, and risk evidence should be read together at the latest market-close snapshot.
In a neutral regime, FNLC has AIQ Score of 57/100 with Momentum base of 60/100 and fading Risk resilience at 51/100. Wait for component alignment before adding exposure.
Financial Services · 0.31% stock move · FNLC classified in Banks - Regional.
Current Evidence
AlgovestIQ Evidence Summary
Current consensus, supporting evidence, recent changes, and what would strengthen or weaken the view.
Is FNLC Bullish or Bearish Right Now?
FNLC currently has a neutral overall setup. Momentum is the strongest factor at 60/100, while Risk Resilience is weakest at 51/100. The current evidence suggests a mixed rather than strongly bullish or bearish setup.
- - Momentum is constructive at 60/100.
- - Price is +1.04% above its 50-day SMA.
- - Technical consensus has more buy votes than sell votes (30 vs 8).
- - No strong bearish evidence is available in the current snapshot.
Current Consensus
FNLC's Technical Analysis Consensus is currently Buy, with 30 buy, 7 neutral, and 8 sell votes. FNLC's 14-day RSI is 47.6, which places the stock in a neutral momentum range. FNLC's beta is 0.48, indicating lower market sensitivity than the broad market.
What Changed in FNLC?
Recent score-change history is not available in the current snapshot. These are the latest market-close scores instead.
What Would Change the FNLC Outlook?
The current neutral outlook could improve if AIQ moves above 70, momentum recovers, earnings revisions strengthen, and price confirms a stronger trend above the 50-day and 200-day moving averages. It would weaken if AIQ falls below 40, price loses long-term moving-average support, analyst expectations deteriorate, or risk evidence worsens.
AIQ > 70, RSI above 55, price above SMA-50/SMA-200, and positive catalyst or estimate-revision evidence.
AIQ below 40, RSI below 45, loss of SMA-200, negative revisions, or rising volatility and drawdown risk.
FNLC Decision Framework
Public evidence layers, setup checks, and risk context for The First Bancorp, Inc..
The First Bancorp, Inc. (FNLC) Stock Analysis
The First Bancorp, Inc. has an AIQ Score of 57/100 in a Neutral regime. Momentum is strongest at 60/100. Beta is 0.48, below market sensitivity. Review the supporting stock factors together before drawing a conclusion from any single score.
| Evidence Layer | Public Evidence |
|---|---|
| Regime Context | FNLC is in a Neutral AIQ regime with score 57/100. |
| Signal Conflict | The primary conflict is that momentum leads at 60/100 while risk lags at 51/100. |
| Factor Evidence | Momentum 60/100 · Value 59/100 · Quality 57/100 · Risk 51/100 |
| Persistence | Current snapshot evidence is shown; historical persistence remains in AIQ Pro. |
Current Setup Checklist
Momentum is the strongest factor at 60/100.
Momentum is 60/100 and RSI (14) is 47.6.
FNLC is in a Neutral regime at 57/100.
Risk factor is 51/100 with beta 0.48 and annual volatility 26.32%.
Current conflict: momentum leads at 60/100 while risk lags at 51/100.
FNLC Research Cluster
Ticker-specific paths for valuation, technical analysis, catalysts, dividends, financials, risk, and news.
FNLC Fundamentals
FNLC valuation, profitability, growth, margins, balance-sheet strength, and free cash flow.
FNLC Technical Analysis
FNLC technical setup based on RSI, MACD, moving averages, AIQ Momentum, volume, trend, volatility, and pivots.
FNLC Stock Catalysts
Track FNLC earnings, analyst ratings, price targets, estimate revisions, stock news, and upcoming events.
FNLC Dividend Analysis
FNLC dividend yield, annual dividend, payout ratio, payment history, and income reliability context.
FNLC Financial Data
FNLC revenue, earnings, income statement, balance sheet, cash flow, valuation ratios, and stock metrics.
FNLC Risk Analysis
FNLC volatility, beta, drawdown, Sharpe ratio, VaR, and downside resilience.
FNLC Stock News
FNLC stock news, market tone, recent headlines, and catalyst context.
FNLC vs Regional Banks Peers
Current peer cohort: FNLC · FULT · GBCI · HAFC · IBKR. Compare AIQ, factor scores, Sharpe ratio and 1-year volatility in one indexable view.
| Peer | AIQ | Value | Momentum | Risk | Sharpe | 1Y Volatility | Compare |
|---|---|---|---|---|---|---|---|
| FNLC Current stock | 57/100 | 59/100 | 60/100 | 51/100 | 0.91 | 26.32% | Current |
| FULT Fulton Financial | 57/100 | 58/100 | 42/100 | 64/100 | 0.76 | 25.52% | FNLC vs FULT |
| GBCI Glacier Bancorp | 44/100 | 36/100 | 25/100 | 59/100 | -0.21 | 28.40% | FNLC vs GBCI |
| HAFC Hanmi Financial | 61/100 | 58/100 | 60/100 | 62/100 | 0.81 | 30.40% | FNLC vs HAFC |
| IBKR Interactive Brokers | 45/100 | 24/100 | 58/100 | 56/100 | 1.02 | 40.06% | FNLC vs IBKR |
Peer cohort is resolved dynamically from the AlgovestIQ universe taxonomy and Compare relationship graph. Data as of Sep 4, 2026.
About the AIQ Score
Methodology for the current stock evidence.
The AlgovestIQ AIQ Score combines multiple dimensions of stock evidence, including momentum, valuation exposure, quality, risk resilience, sentiment context, and timing signals. It is a descriptive research score, not a guarantee of future performance or a personalized recommendation.
View AIQ methodologyFactor Diagnostics
A compact bridge from the AIQ score to the evidence tabs.
Open the return calculator with stock context while purchase price, shares, dates and fees remain user inputs.
AIQ Component Profile
Compare the five component scores on one consistent 0–100 scale.
Review earnings timing, revisions, news pressure, and prior event reactions in one place.
Open catalysts8 recent quarterly periods are available for review.
Checked Sep 5, 2026
Explore factor drivers, conflicts, persistence, and scenario sensitivity in the advanced workspace.
Fundamentals Verdict
Current snapshot fields are separate from reported-quarter statement tables.
Latest period Jun 30, 2026.
Market Confirmation
Technicals are summarized first, with the indicator library behind it.
Risk Alignment
Higher resilience is stronger; exposure metrics stay separate.
Continue Researching FNLC
Open the detailed evidence pages and workflows behind the stock overview read.
Premium Feature
Full AIQ Analysis
AIQ Intelligence
AIQ Pro for FNLC
Scenario Analysis
AIQ Scenario Builder
Portfolio Implication
Related Links
FNLC Stock FAQ
What is FNLC stock price today?
The First Bancorp, Inc.'s current stock price is $35.14. Use the live quote with AIQ Score, news, and risk context rather than treating price alone as a decision signal.
Is FNLC bullish or bearish right now?
FNLC's bullish or bearish read depends on the current AIQ Score, factor alignment, technical analysis consensus, valuation, risk, and catalyst evidence. A mixed setup should be treated differently from a broad confirmation across those signals.
What is FNLC's market cap?
FNLC's market cap is $382.81M based on the latest completed market-close snapshot from Sep 4, 2026. Use it with P/E ratio, revenue, and growth metrics to frame company size, valuation, and peer comparisons.
What is FNLC's current P/E ratio?
FNLC's current P/E ratio is 10.48 based on the latest completed market-close snapshot from Sep 4, 2026. Read it with revenue growth, margins, EPS, cash flow, and peer valuation rather than using P/E alone.
What is FNLC's RSI?
FNLC's 14-day RSI is 47.6 based on the latest completed market-close snapshot from Sep 4, 2026. RSI should be interpreted with MACD, moving averages, volume, volatility, and price trend.
Is FNLC above its 50-day and 200-day moving averages?
FNLC is 1.04% from its 50-day SMA and 17.87% from its 200-day SMA based on the latest completed market-close snapshot from Sep 4, 2026. Moving-average position should be read with momentum and broader AIQ evidence.
When is FNLC's next earnings date?
FNLC's next earnings date is currently listed as Oct 21, 2026. Earnings can reset revenue, EPS, price target, analyst rating, and catalyst expectations.
Does FNLC pay a dividend?
FNLC's dividend yield is 0.01% based on the latest completed market-close snapshot from Sep 4, 2026. Dividend yield should be read with payout ratio, free cash flow, growth, and balance-sheet strength.