FNLC (First Bancorp) Net Debt Paydown Yield % : -1.19% (As of Jul. 07, 2026)


FNLC First Bancorp Inc FNLC
58 GF Score
Price $34.08
GF Value $29.47
Valuation Modestly Overvalued
! 6 Warning Signs
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What is First Bancorp Net Debt Paydown Yield %?

First Bancorp FNLC -2.93% 58 Net Debt Paydown Yield % is -1.19% as of Jul. 07, 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. Among 1,420 Banks companies, First Bancorp ranks worse than 50.63% on this metric.

Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt. As of today, First Bancorp's Net Debt Paydown Yield % was -1.19%.


First Bancorp  (NAS:FNLC) Net Debt Paydown Yield % Explanation

Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.

In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.

We calculating the TTM average debt by adding up the total debt, calculated by the sum of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation, in the trailing twelve months(TTM) divided by the counts of the total debt, accoring to the company's report frequency.


First Bancorp Net Debt Paydown Yield % Related Terms


First Bancorp Net Debt Paydown Yield % Historical Data

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The historical data trend for First Bancorp's Net Debt Paydown Yield % 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 Net Debt Paydown Yield % Chart

First Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Debt Paydown Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 23.60 24.86 9.28 -22.45 -3.30

First Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Debt Paydown Yield % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -21.11 -7.30 -6.08 -3.30 -1.50

FNLC vs PCB, PLBC, PBFS: Net Debt Paydown Yield % Comparison

For the Banks - Regional subindustry, First Bancorp's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Banks Industry

For the Banks industry and Financial Services sector, First Bancorp's Net Debt Paydown Yield % distribution charts can be found below:

* The bar in red indicates where First Bancorp's Net Debt Paydown Yield % falls into.


FNLC
58GF Score
First Bancorp Inc FNLC
Net Debt Paydown Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
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First Bancorp Net Debt Paydown Yield % Calculation

First Bancorp's Net Debt Paydown Yield % for the quarter that ended in Mar. 2026 is calculated as:

Net Debt Paydown Yield %
=( TTM Average Debt   (1-Year Ago))-TTM Average Debt )/Market Cap
=( 151.52-156.24 )/315.92613
=-1.5 %

* 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.

* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.

What does a Net Debt Paydown Yield % of -1.19% mean?
First Bancorp (FNLC) has a Net Debt Paydown Yield % of -1.19% as of Jul. 07, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on First Bancorp and its competitors. According to the industry distribution chart, First Bancorp ranks #719 out of 1420 companies in the Banks industry, placing it in the top 50.6%.
Is First Bancorp's Net Debt Paydown Yield % too high?
First Bancorp's current Net Debt Paydown Yield % is -1.19%. Based on the distribution chart, First Bancorp ranks #719 out of 1420 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 Net Debt Paydown Yield % compare to PCB and PLBC?
According to the Banks industry distribution chart, First Bancorp ranks #719 out of 1420 companies for Net Debt Paydown Yield %. This places First Bancorp in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on First Bancorp and its competitors. First Bancorp's current Net Debt Paydown Yield % is -1.19%. 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 $34.08 — trading 15.6% above its estimated fair value. The current Net Debt Paydown Yield % is -1.19%. 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 Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For First Bancorp (FNLC), the current Net Debt Paydown Yield % is -1.19% as of Jul. 07, 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 15.6% above its estimated GF Value™ of $29.47. GuruFocus considers First Bancorp to be Modestly Overvalued.

Key valuation signals for FNLC:

  • Net Debt Paydown Yield %: -1.19%
  • GF Value™: $29.47 vs. price of $34.08 (15.6% 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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Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$34.08
Price
$29.47
GF Value