First BancorpFNLC +0.52%57 FCF Margin % is 88.49% as of Mar. 2026, which is 142% above its 10-year median of 36.61. GuruFocus rates FNLC with a GF Score™ of 57/100 and a GF Value™ of $29.46 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,505 Banks companies, First Bancorp ranks better than 77.28% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. First Bancorp's Free Cash Flow for the
three
months ended in Mar. 2026 was $22.25 Mil. First Bancorp's Revenue for the
three
months ended in Mar. 2026 was $25.14 Mil. Therefore, First Bancorp's FCF Margin % for the quarter that ended in Mar. 2026 was 88.49%.
The historical rank and industry rank for First Bancorp's FCF Margin % or its related term are showing as below:
FNLC'
s FCF Margin % Range Over the Past 10 Years
Min: 25.86 Med: 36.61 Max: 61.78
Current: 57.09
During the past 13 years, the highest FCF Margin % of First Bancorp was 61.78%. The lowest was 25.86%. And the median was 36.61%.
FNLC's FCF Margin % is ranked better than 77.28% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs FNLC: 57.09
First Bancorp FCF Margin % Related Terms
First Bancorp FCF Margin % Historical Data
* Premium members only.
The historical data trend for First Bancorp's FCF Margin % can be seen below:
* 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.
For the Banks - Regional subindustry, First Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where First Bancorp's FCF Margin % falls into.
* 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 (FNLC) has a FCF Margin % of 88.49% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Bancorp and its competitors. This is 142% above median its historical median of 36.61. Over the past decade, First Bancorp's FCF Margin % has ranged from 25.86 to 61.78. According to the industry distribution chart, First Bancorp ranks #342 out of 1505 companies in the Banks industry, placing it in the top 22.7%.
Is First Bancorp's FCF Margin % too high?
First Bancorp's current FCF Margin % of 88.49% is 142% above median its 10-year median of 36.61. Over the past 10 years, this metric has ranged from a low of 25.86 to a high of 61.78. The Banks industry median FCF Margin % is 26.42. First Bancorp's value of 88.49% is 234.9% above this industry median. Based on the distribution chart, First Bancorp ranks #342 out of 1505 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 FCF Margin % compare to NWFL and CHMG?
According to the Banks industry distribution chart, First Bancorp ranks #342 out of 1505 companies for FCF Margin %. This places First Bancorp in the top 23% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.42. First Bancorp's value of 88.49% is 234.9% above this benchmark. Historically, First Bancorp's own FCF Margin % has ranged from 25.86 to 61.78 over the past decade. While the company's 10-year median is 36.61 vs. the industry median of 26.42, First Bancorp has consistently been above 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Bancorp's current FCF Margin % of 88.49% is 234.9% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bancorp's current FCF Margin % is 88.49%, which is 142% above median its own 10-year median of 36.61. 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 $29.46, compared to a current price of $34.08 — trading 15.7% above its estimated fair value. The current FCF Margin % is 88.49%, which is 142% above median its 10-year median of 36.61 and 234.9% above the Banks industry median of 26.42. First Bancorp's overall GF Score™ is 57/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For First Bancorp (FNLC), the current FCF Margin % is 88.49% as of Mar. 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 $34.08 is trading 15.7% above its estimated GF Value™ of $29.46.
GuruFocus considers First Bancorp to be Modestly Overvalued.
Key valuation signals for FNLC:
FCF Margin %: 88.49% (142% above median its 10-year median of 36.61)
GF Value™: $29.46 vs. price of $34.08 (15.7% above fair value)
Industry Position: 234.9% above the Banks median (#342 of 1505)
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.
57GF Score
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