Stock Ratings / Financials / FNLC / financials

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First Bancorp Inc (ME) (FNLC) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$36.56 +0.77% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $36.54

First Bancorp Inc (ME) (FNLC) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $412.5M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $36.54 (-0.05%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 0.9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY • 57.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FNLC)Realized 20D OHLCV Swing Band: ±5.9%

Deterministic 5-Pillar Attribution (69/100 Composite)

🔍 WHY FNLC SCORES 69/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 0.9% FCF Margin ($34.6M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$32.97+4.2% Next Q

Q2 (-2Q)

Grade C+$34.37+5.8% Next Q

Q3 (-1Q)

Grade B-$36.36+0.6% Next Q

Current

Grade C+$36.56+2% Hist 90D α

Trajectory: C (61) → C+ (69)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the FNLC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 69/100 (C+) score, FNLC faces multiple-compression risk if 12.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($34.64) or 200D SMA ($31.40) invalidates the momentum regime and cuts Target Base ($38.37) toward Bear Floor ($29.93).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FNLC• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “FNLC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 69%NO 31%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How FNLC Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$34.6M (0.9% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$34.4M	$34.6M	12.1%
FY 2024	$4.00B	52%	0%	$27.0M	$24.6M	12.1%
FY 2023	$4.00B	52%	0%	$29.5M	$36.9M	12.1%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FNLC)

✓Walkthrough of FNLC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

FNLC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +28.46%⚡ TESTING RESISTANCE

2026-10-30O $36.93H $37.02L $36.18C $36.56VOL 25.9K

RES: $37.22SUP: $31.67SMA50: $34.64SMA200: $31.40

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FNLC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FNLC Butterfly Map → + Track FNLC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

2.5%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on FNLC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FNLC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for FNLC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FNLC)

Financials Rank #192 of 1096 ⚔️ PCB vs FNLC Full Matrix →

1. Head-to-Head Financials Peer Comparison (FNLC vs. PCB, CZFS, FCBM, CHMG)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, First Bancorp Inc (ME) (FNLC) ranks #192 by composite RQD confidence (69/100, grade C+) and #741 by equity capitalization ($412.5M). Within this direct 5-issuer industry benchmark cohort, PCB leads on earnings valuation at 10.9x trailing P/E, while FNLC leads on capital efficiency and profitability with 12.1% ROIC and — gross margin. FNLC currently leads its immediate peer cohort in composite quantitative strength at 69/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
FNLC ACTIVE First Bancorp Inc (ME)	C+	69/100	12.0x	—	12.1%	+0.77%	$412.5M	Benchmark Subject
PCB PCB Bancorp	C+	67/100	10.9x	—	9.6%	+0.45%	$408.7M	/pcb-vs-fnlc →
CZFS Citizens Financial Services Inc.	C	64/100	11.2x	—	10.8%	+1.26%	$408.4M	/czfs-vs-fnlc →
FCBM First Carolina Financial Services Inc.	D	50/100	—	—	—	+0.61%	$407.3M	/fcbm-vs-fnlc →
CHMG Chemung Financial Corp	C+	68/100	28.0x	—	5.9%	+2.10%	$422.4M	/chmg-vs-fnlc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000765207

In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Bancorp Inc (ME) (FNLC) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $34.4M, operating cash flow of $37.8M, and free cash flow of $34.6M (+40.8% YoY). On the balance sheet, FNLC closed FY2025 with $3.17B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$34.4M	$37.8M	$34.6M	$3.17B	—
FY2024 (FY)	2024-12-31	$0	$27.0M	$26.0M	$24.6M	$3.16B	—
FY2023 (FY)	2023-12-31	$0	$29.5M	$36.9M	$36.9M	—	—

3. FNLC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FNLC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, First Bancorp Inc (ME) (NASDAQ: FNLC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $36.56 (+0.77% 1D, market cap $412.5M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, FNLC ranks #192 in composite RQD confidence.

How does FNLC compare to PCB and CZFS in the Financials sector?

Within the Financials sector (Major Banks), FNLC carries a Roarable C+ (69/100 RQD), trailing P/E of 12.0x, gross margin of —, and ROIC of 12.1%. By comparison, PCB (PCB Bancorp) holds a C+ grade (67/100 RQD, P/E 10.9x, ROIC 9.6%, cap $408.7M) and CZFS (Citizens Financial Services Inc.) posts a C grade (64/100 RQD, P/E 11.2x, ROIC 10.8%, cap $408.4M). Among the 5-stock peer group, PCB leads on earnings multiple (10.9x) while FNLC leads on capital efficiency (12.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FNLC?

Per FNLC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000765207), First Bancorp Inc (ME) generated $0 in revenue, $34.4M in net income, and $34.6M in free cash flow against $3.17B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FNLC trading relative to its 50-day, 200-day, and 52-week technical levels?

FNLC last traded at $36.56 (+0.77% on volume of 30,626 shares), positioning the stock +5.54% above its 50-day simple moving average ($34.64) and +16.43% above its 200-day simple moving average ($31.40). Across its 52-week range of $24.61 to $37.50, FNLC sits at the 92.7% percentile with a 14-day RSI of 64.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.9% ($34.40 to $38.72).