Stock Ratings / Financials / FNLC / options

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First Bancorp Inc (ME) (FNLC) Options Positioning, Max Pain & Unusual Sweeps

$36.56 +0.77% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

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

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

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

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%

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±5.9%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (FNLC)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for FNLC.

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Whale Flow & Momentum Playbook: Evaluating FNLC & AI Leaders Without Chasing Tops

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✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

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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

🦋 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).

FNLC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is FNLC's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for FNLC.

Direct Sub-Reports: FNLC RQD Cockpit FNLC 12M Forecast FNLC Earnings & Move FNLC Dividends & DRIP FNLC Insiders & 13F FNLC Whale Options FNLC Profit Sankey FNLC News & Why