FNLC

First Bancorp /MEB

Nasdaq / Banks

At close

2026-07-22

Current thesis

The best near-term argument is that FNLC is carrying 2025 momentum into 2026: Q1 net income rose 27.1% year over year, NIM improved to 2.86%, efficiency improved, capital ratios strengthened, and tangible book kept compounding [#IR-2026-04-22].

Posture

Constructive

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta -0.1.

What can break

Credit metrics weakened versus both year-end and the prior year, with higher non-performing asset and loan ratios plus quarterly charge-offs.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $28.00 · Bull $31.50 · Bear $25.00

Data freshness

Prices

As of 2026-07-22

Fundamentals

As of 2026-07-21 • Vendor: Data Vendor v1

Scores

As of 2026-07-22 • Model: HYBRID_IC_RP

AI Memo

As of 2026-05-05 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-22

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Why

Momentum65 · Δ7d -

Value61 · Δ7d -0.1

Sentiment43 · Δ7d -

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendTrend unavailable

Trend unavailable

Δ7d

Δ21d

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.1

Δ21d

+0.6

Sentiment

34% active weight

Current posture

7d trendTrend unavailable

Trend unavailable

Δ7d

Δ21d

Why this grade

Composite grade B. Momentum 64.8 / Value 61.2 / Sentiment 42.5

Fundamentals (TTM)

As of 2026-07-21

Market Cap

$385.41M

Beta

0.58

Shares Out

11.28M

P/E (TTM)

9.8

P/S (TTM)

3.40

P/FCF (TTM)

20.58

Rev YoY

-0.6%

EPS YoY

+26.3%

Gross Margin

Op Margin

+42.0%

Net Debt

$160.52M

Current Ratio

0.03

As of 2026-07-22 • Updated nightlySource: Internal modelMethodology