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First BancorpFNLC -0.36%58 3-Year Book Growth Rate is 6.80% as of Jun. 2026, which is 33% above its 10-year median of 5.10. GuruFocus rates FNLC with a GF Score™ of 58/100 and a GF Value™ of $30.76 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,495 Banks companies, First Bancorp ranks worse than 62.54% on this metric.
During the past 12 months, First Bancorp's average Book Value per Share Growth Rate was 9.60% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 6.80% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 3.30% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 4.70% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of First Bancorp was 21.40% per year. The lowest was -30.80% per year. And the median was 5.10% per year.
First Bancorp (NAS:FNLC) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
First Bancorp 3-Year Book Growth Rate Related Terms
FNLC vs USCB, CHMG, PKBK: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, First Bancorp's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Bancorp 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, First Bancorp's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where First Bancorp's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 6.80% mean?
First Bancorp (FNLC) has a 3-Year Book Growth Rate of 6.80% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for First Bancorp and its competitors. This is 33% above median its historical median of 5.10. According to the industry distribution chart, First Bancorp ranks #935 out of 1495 companies in the Banks industry, placing it in the top 62.5%.
Is First Bancorp's 3-Year Book Growth Rate too high?
First Bancorp's current 3-Year Book Growth Rate of 6.80% is 33% above median its 10-year median of 5.10. The Banks industry median 3-Year Book Growth Rate is 8.70. First Bancorp's value of 6.80% is 21.8% below this industry median. Based on the distribution chart, First Bancorp ranks #935 out of 1495 companies in the Banks industry, which is below the industry midpoint. Overall, First Bancorp has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Bancorp's 3-Year Book Growth Rate compare to USCB and CHMG?
According to the Banks industry distribution chart, First Bancorp ranks #935 out of 1495 companies for 3-Year Book Growth Rate. This places First Bancorp in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.70. First Bancorp's value of 6.80% is 21.8% below this benchmark. While the company's 10-year median is 5.10 vs. the industry median of 8.70, First Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.70, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Bancorp's current 3-Year Book Growth Rate of 6.80% is 21.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for First Bancorp and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bancorp's current 3-Year Book Growth Rate is 6.80%, which is 33% above median its own 10-year median of 5.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Bancorp stock overvalued right now?
Based on GuruFocus' analysis, First Bancorp (FNLC) is currently considered Modestly Overvalued. The stock's GF Value™ is $30.76, compared to a current price of $35.58 — trading 15.7% above its estimated fair value. The current 3-Year Book Growth Rate is 6.80%, which is 33% above median its 10-year median of 5.10 and 21.8% below the Banks industry median of 8.70. First Bancorp's overall GF Score™ is 58/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For First Bancorp (FNLC), the current 3-Year Book Growth Rate is 6.80% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Bancorp (FNLC) Overvalued in 2026?
Based on GuruFocus' analysis, First Bancorp stock appears to be overvalued.
The current stock price of $35.58 is trading 15.7% above its estimated GF Value™ of $30.76.
GuruFocus considers First Bancorp to be Modestly Overvalued.
Key valuation signals for FNLC:
3-Year Book Growth Rate: 6.80% (33% above median its 10-year median of 5.10)
GF Value™: $30.76 vs. price of $35.58 (15.7% above fair value)
Industry Position: 21.8% below the Banks median (#935 of 1495)
No single metric tells the full story. See the FNLC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Bancorp Inc is a Damariscotta-based bank holding company providing a range of retail and commercial banking services, including deposit accounts and consumer, commercial, and mortgage loans. The company provides investment management and private banking services through an operating division of the bank. Its revenues are generally derived from dividends paid to the company by the bank.
58GF Score
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