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FNLC

First Bancorp /MEB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Q3 earnings grew 17.5% year over year as earning assets, margin and non-interest income improved. Lower funding costs and stronger non-maturity deposits could sustain earnings if credit remains sound.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -1.1.
What can break
Recent margin gains depend partly on lower funding costs; renewed deposit pricing or market-rate pressure could reverse them. [#SEC-8K-2026-10-21]
Momentum
65
Value
60
Sentiment
54
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $38.00 · Bull $42.00 · Bear $30.00Analysis 2026-10-26; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-26 • Vendor: Data Vendor v1
Scores
As of 2026-10-26 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-26 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-26

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-26. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Why
Momentum65 · Δ7d -
Value60 · Δ7d -1.1
Sentiment54 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -1.1.

Contradictions & invalidation

  • • Recent margin gains depend partly on lower funding costs; renewed deposit pricing or market-rate pressure could reverse them. [#SEC-8K-2026-10-21]
  • • Resolution of several non-performing credits may not establish a durable credit trend. [#SEC-8K-2026-10-21]
  • • The October 22 share-price rise may already reflect much of the reported improvement.

Catalyst clock

2026-10-22

Third-quarter earnings reset

Lead driver: Value · See fundamentals
Momentum
65
8% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
60
47% active weight
Current posture
7d trendSoftening
Δ7d
-1.1
Δ21d
-1.4
Sentiment
54
45% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade B. Momentum 64.8 / Value 59.7 / Sentiment 54.4

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-26. Scenario method

B+
Bull case
25%
Probability
Target price
$42.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$38.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$30.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-26
Market Cap
$414.18M
Beta
0.58
Shares Out
11.29M
P/E (TTM)
9.8
P/S (TTM)
3.40
P/FCF (TTM)
20.58
Rev YoY
+1.2%
EPS YoY
+17.8%
Gross Margin
-
Op Margin
+25.7%
Net Debt
$160.52M
Current Ratio
0.02
As of 2026-10-26 • Updated nightlySource: Internal modelMethods & Data