Fairvalue-Calculator Fairvalue-Calculator
EN DE

The First Bancorp, Inc (FNLC) Fair Value & Analysis

Financial Services · US · Market cap $343M

Price$34.05
Fair Value$39.65
Upside+16.4%
Quality95/100
Evidence: High Range $29.74 – $49.57

Fair value as of: Jun 26, 2026

✦ Find undervalued quality stocks — 34,000+ analysed Find stocks →

Analysis

The First Bancorp, Inc (FNLC) currently trades at $34.05, while our model-based Fair Value estimate is $39.65 — implying the stock looks roughly 16.4% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

The First Bancorp, Inc. operates as the bank holding company for First National Bank that provides a range of banking products and services to individual and corporate customers. It accepts various deposit products, including demand, NOW, time, savings, money market, and certificates of deposit accounts. The company also provides commercial loans, such as mortgage loans to finance investments in real property, which includes retail spaces, offices, industrial buildings, hotels, educational facilities, and other specific or mixed use properties; commercial real estate non-owner occupied loans; commercial construction to finance construction in a mix of owner- and nonowner occupied commercial real estate properties; and commercial and industrial loans, including revolving and term loans for financing working capital and/or capital investment. In addition, it offers commercial multifamily loans; residential real estate term and construction loans; loans to municipalities in Maine for c…

Open the full interactive analysis →

Similar stocks

HDFC Bank Limited (HDFCBANK) +18% PT Bank Central Asia Tbk (BBCA) -1% KB Financial Group (105560) -4% PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) +66% Banco Bradesco S.A (BBD) +100% Shinhan Financial Group (055550) +14%

Frequently asked questions

Is The First Bancorp, Inc (FNLC) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $39.65 versus a price of $34.05 — about +16% (undervalued). Model-based estimate, not financial advice.
What is the fair value of FNLC?
Our 21-model fair value for The First Bancorp, Inc is $39.65 (as of Jun 26, 2026), built from audited fundamentals. The current price is $34.05.
What is the quality score of FNLC?
The First Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.