FNLC (First Bancorp) 5-Year Dividend Growth Rate: 6.40% (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FNLC First Bancorp Inc FNLC
57 GF Score
Price $34.74
GF Value $30.76
Valuation Modestly Overvalued
! 7 Warning Signs
View Full Analysis

What is First Bancorp 5-Year Dividend Growth Rate?

First Bancorp FNLC -1.07% 57 5-Year Dividend Growth Rate is 6.40% as of Jun. 2026. GuruFocus rates FNLC with a GF Score™ of 57/100 and a GF Value™ of $30.76 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 731 Banks companies, First Bancorp ranks worse than 58.69% on this metric.

First Bancorp's Dividends per Share for the three months ended in Jun. 2026 was $0.38.

During the past 12 months, First Bancorp's average Dividends Per Share Growth Rate was 29.20% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 3.30% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 6.40% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 6.10% 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 dividends per share growth rate.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of First Bancorp was 43.80% per year. The lowest was -2.00% per year. And the median was 6.75% per year.

First Bancorp's Dividend Payout Ratio for the three months ended in Jun. 2026 was 0.45. As of today, First Bancorp's Dividend Yield % is 4.29%.

Warning Sign:

First Bancorp Inc stock Dividend Yield % is close to 1-year low.

For more information regarding to dividend, please check our Dividend Page.

First Bancorp  (NAS:FNLC) 5-Year Dividend Growth Rate Explanation

1. Dividend Payout Ratio measures the percentage of the company's earnings paid out as dividends.

First Bancorp's Dividend Payout Ratio for the quarter that ended in Jun. 2026 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Jun. 2026 )/ EPS without NRI (Q: Jun. 2026 )
=0.38/ 0.85
=0.45

During the past 13 years, the highest Dividend Payout Ratio of First Bancorp was 0.63. The lowest was 0.29. And the median was 0.51.

2. Dividend Yield % measures how much a company pays out in dividends each year relative to its share price.

First Bancorp Recent Full-Year* Dividend History

Amount Ex-date Record Date Pay Date Type Frequency Forex Rate
USD 0.3800002026-07-072026-07-072026-07-17Cash DividendquarterlyUSD:USD 1.000000
USD 0.3700002026-04-072026-04-072026-04-17Cash DividendquarterlyUSD:USD 1.000000
USD 0.3700002026-01-062026-01-062026-01-16Cash DividendquarterlyUSD:USD 1.000000
USD 0.3700002025-10-062025-10-062025-10-16Cash DividendquarterlyUSD:USD 1.000000

* GuruFocus has an internal rule that if the most recent dividend payment frequency is at least 4 times a year, then the full year will be calculated according to the frequency of payment or the one-year time frame, whichever is stricter.
* GuruFocus converts dividend currency to local traded share price currency in order to calculate dividend yield. Please refer to the last column "Forex Rate" in the above table.

First Bancorp's Dividend Yield (%) for Today is calculated as

Dividend Yield %=Most Recent Full Year Dividend/Current Share Price
=1.49/34.74
=4.29 %

Current Share Price is $34.74.
First Bancorp's Dividends per Share for the trailing twelve months (TTM) ended in Today is $1.49.

During the past 13 years, the highest Dividend Yield of First Bancorp was 8.03%. The lowest was 2.72%. And the median was 4.18%.

Warning Sign:

First Bancorp Inc stock Dividend Yield % is close to 1-year low.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

First Bancorp 5-Year Dividend Growth Rate Related Terms

FNLC vs USCB, CHMG, PKBK: 5-Year Dividend Growth Rate Comparison

For the Banks - Regional subindustry, First Bancorp's 5-Year Dividend Growth Rate, along with its competitors' market caps and 5-Year Dividend 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 5-Year Dividend Growth Rate vs Banks Industry

For the Banks industry and Financial Services sector, First Bancorp's 5-Year Dividend Growth Rate distribution charts can be found below:

* The bar in red indicates where First Bancorp's 5-Year Dividend Growth Rate falls into.


FNLC
57GF Score
First Bancorp Inc FNLC
5-Year Dividend Growth Rate is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First Bancorp 5-Year Dividend Growth Rate Calculation

This is the average annual rate that a company has been raising its dividends. The growth rate is calculated with least square regression.

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 dividends per share growth rate.

What does a 5-Year Dividend Growth Rate of 6.40% mean?
First Bancorp (FNLC) has a 5-Year Dividend Growth Rate of 6.40% as of Jun. 2026. 5-Year Dividend Growth Rate is the company's five-year average growth of dividend payout. View historical data on First Bancorp and its competitors. According to the industry distribution chart, First Bancorp ranks #429 out of 731 companies in the Banks industry, placing it in the top 58.7%.
Is First Bancorp's 5-Year Dividend Growth Rate too high?
First Bancorp's current 5-Year Dividend Growth Rate is 6.40%. The Banks industry median 5-Year Dividend Growth Rate is 8.60. First Bancorp's value of 6.40% is 25.6% below this industry median. Based on the distribution chart, First Bancorp ranks #429 out of 731 companies in the Banks industry, which is below the industry midpoint. Overall, First Bancorp has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Bancorp's 5-Year Dividend Growth Rate compare to USCB and CHMG?
According to the Banks industry distribution chart, First Bancorp ranks #429 out of 731 companies for 5-Year Dividend Growth Rate. This places First Bancorp in the lower half of its industry. The industry median 5-Year Dividend Growth Rate is 8.60. First Bancorp's value of 6.40% is 25.6% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Dividend Growth Rate for a Banks company?
The median 5-Year Dividend Growth Rate among Banks companies is 8.60, based on 731 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Dividend Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Dividend Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Bancorp's current 5-Year Dividend Growth Rate of 6.40% is 25.6% 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 5-Year Dividend Growth Rate mean?
A high 5-Year Dividend Growth Rate can signal that a stock is expensive relative to its fundamentals. 5-Year Dividend Growth Rate is the company's five-year average growth of dividend payout. View historical data on First Bancorp and its competitors. For the Banks industry, the median 5-Year Dividend Growth Rate is 8.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bancorp's current 5-Year Dividend Growth Rate is 6.40%. 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 $34.74 — trading 12.9% above its estimated fair value. The current 5-Year Dividend Growth Rate is 6.40% and 25.6% below the Banks industry median of 8.60. First Bancorp's overall GF Score™ is 57/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Dividend Growth Rate calculated?
5-Year Dividend Growth Rate is calculated from a company's financial statements. For First Bancorp (FNLC), the current 5-Year Dividend Growth Rate is 6.40% 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 $34.74 is trading 12.9% above its estimated GF Value™ of $30.76. GuruFocus considers First Bancorp to be Modestly Overvalued.

Key valuation signals for FNLC:

  • 5-Year Dividend Growth Rate: 6.40%
  • GF Value™: $30.76 vs. price of $34.74 (12.9% above fair value)
  • GF Score™: 57/100 with 7 warning signs
  • Industry Position: 25.6% below the Banks median (#429 of 731)

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 Business Description

Address 223 Main Street, Damariscotta, ME, USA, 04543
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.
57GF Score

Get the complete analysis for FNLC

5-Year Dividend Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$34.74
Price
$30.76
GF Value