MARKET WIREYahoo • 11d ago
The First Bancorp Inc.: Q3 Earnings SnapshotDAMARISCOTTA, Maine (AP) — DAMARISCOTTA, Maine (AP) — The First Bancorp Inc. (FNLC) on Wednesday reported net income of $10.
Why FNLC Stock advanced +0.77% Today — RQD Quant Desk Flash
$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.
ROARABLE C+ • HOLD / WATCH
Cap $412.5M
INTERACTIVE SCENARIO DECK:
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
61
Q2 (-2Q)Grade C+$34.37+5.8% Next Q
64
Q3 (-1Q)Grade B-$36.36+0.6% Next Q
66
CurrentGrade C+$36.56+2% Hist 90D α
69
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why FNLC Stock advanced +0.77% Today — RQD Quant Desk Flash
First Bancorp Inc (ME) (FNLC) advanced +0.77% to $36.56, trading at 93% of its 52-week range ($24.61 – $37.5). Solid steady margins (12% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 93% of its 52-week range ($24.61 – $37.5) with RSI-14 at 64.1 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5.9% around $36.56 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C+ (Hold) backed by 52% gross margin and $34.6M annual free cash flow.
Live FNLC Headlines & Catalysts
MARKET WIREYahoo • 11d ago
The First Bancorp Announces Third Quarter ResultsDAMARISCOTTA, Maine, October 21, 2026--The First Bancorp (Nasdaq: FNLC), ("the Company", "we", "us", "our"), parent company of First National Bank, today reported unaudited results for the quarter and nine months ended S
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk
Scheduled RQD Strong Buys & Whale Accumulation Briefing (FNLC Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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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
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 0000765207In 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 ENABLEDIs 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).
FNLC Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is FNLC stock moving today?
Why FNLC Stock advanced +0.77% Today — RQD Quant Desk Flash. Solid steady margins (12% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.