FNLC (First Bancorp) Insider Ownership: 11.51 % (As of Jul. 17, 2026)

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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.
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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
58 GF Score
Price $34.40
GF Value $29.47
Valuation Modestly Overvalued
! 6 Warning Signs
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What is First Bancorp Insider Ownership?

First Bancorp FNLC -1.91% 58 Insider Ownership is 11.51 % as of Jul. 17, 2026. GuruFocus rates FNLC with a GF Score™ of 58/100 and a GF Value™ of $29.47 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Insider ownership is the percentage of shares that are owned by company insiders relative to the total shares outstanding. As of today, First Bancorp's insider ownership is 11.51%.

Institutional Ownership is the percentage of shares that are owned by institutions out of the total shares outstanding. As of today, First Bancorp's Institutional Ownership is 48.93%.

Float Percentage Of Total Shares Outstanding is the percentage of float shares relative to the total shares outstanding. As of today, First Bancorp's Float Percentage Of Total Shares Outstanding is 93.87%.

First Bancorp Insider Ownership Historical Data

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The historical data trend for First Bancorp's Insider Ownership 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.

First Bancorp Insider Ownership Chart

First Bancorp Historical Data

The historical data trend for First Bancorp can be seen below:

2025-06-30 2025-07-31 2025-08-31 2025-09-30 2025-10-31 2025-11-30 2026-01-31 2026-02-28 2026-05-31 2026-06-30
Insider Ownership 11.31 11.30 11.30 11.30 11.30 11.29 11.53 11.56 11.51 11.51
FNLC
58GF Score
First Bancorp Inc FNLC
Insider Ownership is just one metric. See GF Score™, valuation, warning signs, and more.
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First Bancorp Insider Ownership Calculation

The percentage of shares that are owned by company insiders relative to the total shares outstanding.

Frequently Asked Questions Learn more about Insider Ownership →
What does a Insider Ownership of 11.51 % mean?
First Bancorp (FNLC) has a Insider Ownership of 11.51 % as of Jul. 17, 2026. Insider ownership equals the percent of shares owned by company insiders relative to total shares. View historical data on First Bancorp and its competitors.
Is First Bancorp's Insider Ownership too high?
First Bancorp's current Insider Ownership is 11.51 %. 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 Insider Ownership compare to PCB and PLBC?
First Bancorp's Insider Ownership of 11.51 % can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Insider Ownership for a Banks company?
A good Insider Ownership depends on the Banks industry context. However, Insider Ownership should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Insider Ownership mean?
A high Insider Ownership can signal that a stock is expensive relative to its fundamentals. Insider ownership equals the percent of shares owned by company insiders relative to total shares. View historical data on First Bancorp and its competitors. First Bancorp's current Insider Ownership is 11.51 %. 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 $29.47, compared to a current price of $34.40 — trading 16.7% above its estimated fair value. The current Insider Ownership is 11.51 %. First Bancorp's overall GF Score™ is 58/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Insider Ownership calculated?
Insider Ownership is calculated from a company's financial statements. For First Bancorp (FNLC), the current Insider Ownership is 11.51 % as of Jul. 17, 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 $34.40 is trading 16.7% above its estimated GF Value™ of $29.47. GuruFocus considers First Bancorp to be Modestly Overvalued.

Key valuation signals for FNLC:

  • Insider Ownership: 11.51 %
  • GF Value™: $29.47 vs. price of $34.40 (16.7% above fair value)
  • GF Score™: 58/100 with 6 warning signs

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.
58GF Score

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Insider Ownership is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$34.40
Price
$29.47
GF Value