What is the 13F Pro Quality Score for FNLC?

13F Pro ranks First Bancorp, Inc /ME/ (FNLC) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View FNLC's current score at https://13fpro.ai/company/FNLC (free sign-up required for the full ranking).

Which hedge funds own the most FNLC stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of FNLC include BlackRock,, First Bancorp, /ME/, DIMENSIONAL FUND ADVISORS. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/FNLC as soon as new 13F filings post.

Where does 13F Pro source FNLC data?

All First Bancorp, Inc /ME/ fundamentals and ownership data come directly from SEC EDGAR. First Bancorp, Inc /ME/ files with the SEC under CIK 765207. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is FNLC in?

First Bancorp, Inc /ME/ (FNLC) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is FNLC research updated on 13F Pro?

FNLC's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

First Bancorp, Inc /ME/(FNLC)Stock Analysis

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SEC EDGAR: CIK 765207 FNLC stock profile & AI dashboard →

13F Pro Quality Score

58.2/100

Rank #1,033 of 2,962 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

69.9/100

Profitability

95.4/100

Balance Sheet

45.1/100

Earnings Quality

33.9/100

Free Cash Flow

88.0/100

Institutional Flow

40.5/100

Revenue Scale

15.9/100

Dilution Risk

56.7/100

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Why FNLC Scores 58/100

exact factor attribution · 2026-09-11

FNLC's composite is driven by profitability and free cash flow, held back by scale and earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+9.1 pts

95th pct

Free cash flow

+5.7 pts

88th pct

Revenue growth

+5.3 pts

70th pct

Earnings growth

+1.5 pts

72th pct

Shareholder dilution

+0.5 pts

57th pct

Institutional flow

-0.6 pts

41th pct

Capital efficiency

-0.7 pts

45th pct

Earnings quality

-1.6 pts

34th pct

Scale

-6.8 pts

16th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

FNLC Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for First Bancorp, Inc /ME/ (FNLC), a Financials sector company. 13F Pro's AI-powered ranking engine scores FNLC at 58.2/100 on a 32-signal composite quality model, placing it at rank #1,033 of 2,962 stocks — the top half of the AI-ranked universe. FNLC scores in the top quartile across profitability (95.4), free cash flow (88.0). Areas of concern include revenue scale (15.9) and earnings quality (33.9), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), First Bancorp, Inc /ME/ reports quarterly revenue of $25.8M, net income of $9.6M, an operating margin of 44.6%. Top institutional holders of FNLC by reported 13-F value include BlackRock, First Bancorp, DIMENSIONAL FUND ADVISORS, based on the most recent SEC filings. FNLC trades on the Nasdaq exchange and files with the SEC under CIK 765207. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FNLC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for First Bancorp, Inc /ME/ directly from SEC EDGAR. First Bancorp, Inc /ME/'s 13F Pro composite quality score has ranged between 32 and 60 since 2026, currently 58.2 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

✦

Fun facts about First Bancorp, Inc /ME/

Quirks, history, and lore behind FNLC — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. community bank holding company · small-cap · listed on Nasdaq · headquartered in Maine.
2
The Numbers
Total assets in the range of $2 billion — firmly in community bank territory, serving everyday customers rather than Wall Street trading desks.
3
The History
Its roots go back to the late 1800s, making it one of the older financial institutions in a state where small-town banking has always mattered more than big-city finance.
4
The Secret
It operates almost exclusively within Maine, focusing on retail banking, mortgages, and local commercial lending — the definition of keeping it local.
5
The Lore
Its home base of Damariscotta has a population of roughly 2,000 people — proof that you don't need a skyscraper address to run a publicly traded bank.
6
The Giveaway
A Maine-chartered bank headquartered in a coastal New England town, trading under a ticker that screams First National — because that's exactly what it is.

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Revenue

Q2 2026

$25.8M

Net Income

Q2 2026

$9.6M

Free Cash Flow

Q2 2026

$-13.2M

Operating Margin

Q2 2026

44.6%

ROIC

Q2 2026

9.1%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+18.0% YoY

$94.7MFY 2025

FY22 $93.0MFY23 $80.6MFY24 $80.3MFY25 $94.7M

Net Income

+27.2% YoY

$34.4MFY 2025

FY22 $39.0MFY23 $29.5MFY24 $27.0MFY25 $34.4M

EPS (Diluted)

+26.3% YoY

$3.07FY 2025

FY22 $3.53FY23 $2.66FY24 $2.43FY25 $3.07

Total Assets

+0.3% YoY

$3.17BFY 2025

FY22 $2.74BFY23 $2.95BFY24 $3.16BFY25 $3.17B

Total Debt

+28.4% YoY

$187.8MFY 2025

FY22 $103.5MFY23 $69.7MFY24 $146.3MFY25 $187.8M

Op. Cash Flow

+45.2% YoY

$37.8MFY 2025

FY22 $41.2MFY23 $36.9MFY24 $26.0MFY25 $37.8M

Free Cash Flow

+40.8% YoY

$34.6MFY 2025

FY22 $39.8MFY23 $34.3MFY24 $24.6MFY25 $34.6M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$94.7M +18.0%	$80.3M -0.5%	$80.6M -13.3%	$93.0M +8.6%	$85.7M +9.9%	$78.0M
Net Income	$34.4M +27.2%	$27.0M -8.4%	$29.5M -24.3%	$39.0M +7.5%	$36.3M +33.7%	$27.1M
EPS (Diluted)	$3.07 +26.3%	$2.43 -8.6%	$2.66 -24.6%	$3.53 +7.0%	$3.30 +33.1%	$2.48
Total Assets	$3.17B +0.3%	$3.16B +7.1%	$2.95B +7.6%	$2.74B +8.4%	$2.53B +7.0%	$2.36B
Total Debt	$187.8M +28.4%	$146.3M +110.0%	$69.7M -32.7%	$103.5M -24.1%	$136.3M -48.0%	$262.0M
Operating Cash Flow	$37.8M +45.2%	$26.0M -29.4%	$36.9M -10.4%	$41.2M -27.3%	$56.7M +149.8%	$22.7M
Free Cash Flow	$34.6M +40.8%	$24.6M -28.3%	$34.3M -13.9%	$39.8M -24.8%	$52.9M +162.6%	$20.2M

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Available Research

13F Pro tracks comprehensive data for First Bancorp, Inc /ME/ including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of FNLC

BlackRock, Inc.
$31.5M906,027 sh
First Bancorp, Inc /ME/
$25.7M738,401 sh
DIMENSIONAL FUND ADVISORS LP
$16.0M459,542 sh
VANGUARD CAPITAL MANAGEMENT LLC
$15.2M436,534 sh
MANUFACTURERS LIFE INSURANCE COMPANY, THE
$13.1M375,643 sh
GEODE CAPITAL MANAGEMENT, LLC
$9.2M263,481 sh
STATE STREET CORP
$7.9M227,618 sh
MORGAN STANLEY
$6.4M183,589 sh
RENAISSANCE TECHNOLOGIES LLC
$3.3M93,357 sh
NORTHERN TRUST CORP
$3.0M85,971 sh

Fund	Value	Shares
BlackRock, Inc.	$31.5M	906,027
First Bancorp, Inc /ME/	$25.7M	738,401
DIMENSIONAL FUND ADVISORS LP	$16.0M	459,542
VANGUARD CAPITAL MANAGEMENT LLC	$15.2M	436,534
MANUFACTURERS LIFE INSURANCE COMPANY, THE	$13.1M	375,643
GEODE CAPITAL MANAGEMENT, LLC	$9.2M	263,481
STATE STREET CORP	$7.9M	227,618
MORGAN STANLEY	$6.4M	183,589
RENAISSANCE TECHNOLOGIES LLC	$3.3M	93,357
NORTHERN TRUST CORP	$3.0M	85,971

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Is FNLC a good stock to buy?

13F Pro's AI-powered analysis of First Bancorp, Inc /ME/ (FNLC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FNLC are available on the FNLC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. FNLC is classified as a small company.

Which hedge funds own FNLC?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FNLC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of First Bancorp, Inc /ME/'s investment landscape.