FNLC (First Bancorp) 5-Year Yield-on-Cost %: 5.82 (As of Jul. 01, 2026) — Near Median


FNLC First Bancorp Inc FNLC
57 GF Score
Price $34.82
GF Value $29.47
Valuation Modestly Overvalued
! 6 Warning Signs
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What is First Bancorp 5-Year Yield-on-Cost %?

First Bancorp FNLC -0.03% 57 5-Year Yield-on-Cost % is 5.82 as of Jul. 01, 2026, which is 3% above its 10-year median of 5.65. GuruFocus rates FNLC with a GF Score™ of 57/100 and a GF Value™ of $29.47 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,250 Banks companies, First Bancorp ranks better than 70.88% on this metric.

First Bancorp's yield on cost for the quarter that ended in Mar. 2026 was 5.82.


The historical rank and industry rank for First Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:

FNLC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.71   Med: 5.65   Max: 10.95
Current: 5.82


During the past 13 years, First Bancorp's highest Yield on Cost was 10.95. The lowest was 3.71. And the median was 5.65.


FNLC's 5-Year Yield-on-Cost % is ranked better than
70.88% of 1250 companies
in the Banks industry
Industry Median: 3.94 vs FNLC: 5.82

First Bancorp  (NAS:FNLC) 5-Year Yield-on-Cost % Explanation

Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.


First Bancorp 5-Year Yield-on-Cost % Related Terms


FNLC vs PCB, PLBC, PBFS: 5-Year Yield-on-Cost % Comparison

For the Banks - Regional subindustry, First Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 Yield-on-Cost % vs Banks Industry

For the Banks industry and Financial Services sector, First Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:

* The bar in red indicates where First Bancorp's 5-Year Yield-on-Cost % falls into.


FNLC
57GF Score
First Bancorp Inc FNLC
5-Year Yield-on-Cost % is just one metric. See GF Score™, valuation, warning signs, and more.
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First Bancorp 5-Year Yield-on-Cost % Calculation

Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.

Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.

Therefore, Yield-on-Cost of First Bancorp is calculated as

Yield-on-Cost=Dividend Yield %*(1+Dividend Growth Rate)^5
Frequently Asked Questions Learn more about 5-Year Yield-on-Cost % →
What does a 5-Year Yield-on-Cost % of 5.82 mean?
First Bancorp (FNLC) has a 5-Year Yield-on-Cost % of 5.82 as of Jul. 01, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First Bancorp and its competitors. This is near median its historical median of 5.65. Over the past decade, First Bancorp's 5-Year Yield-on-Cost % has ranged from 3.71 to 10.95. According to the industry distribution chart, First Bancorp ranks #364 out of 1250 companies in the Banks industry, placing it in the top 29.1%.
Is First Bancorp's 5-Year Yield-on-Cost % too high?
First Bancorp's current 5-Year Yield-on-Cost % of 5.82 is near median its 10-year median of 5.65. Over the past 10 years, this metric has ranged from a low of 3.71 to a high of 10.95. The Banks industry median 5-Year Yield-on-Cost % is 3.94. First Bancorp's value of 5.82 is 47.7% above this industry median. Based on the distribution chart, First Bancorp ranks #364 out of 1250 companies in the Banks industry, which is above 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 Yield-on-Cost % compare to PCB and PLBC?
According to the Banks industry distribution chart, First Bancorp ranks #364 out of 1250 companies for 5-Year Yield-on-Cost %. This puts First Bancorp in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.94. First Bancorp's value of 5.82 is 47.7% above this benchmark. Historically, First Bancorp's own 5-Year Yield-on-Cost % has ranged from 3.71 to 10.95 over the past decade. While the company's 10-year median is 5.65 vs. the industry median of 3.94, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.94, based on 1,250 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Bancorp's current 5-Year Yield-on-Cost % of 5.82 is 47.7% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bancorp's current 5-Year Yield-on-Cost % is 5.82, which is near median its own 10-year median of 5.65. 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 $34.82 — trading 18.2% above its estimated fair value. The current 5-Year Yield-on-Cost % is 5.82, which is near median its 10-year median of 5.65 and 47.7% above the Banks industry median of 3.94. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For First Bancorp (FNLC), the current 5-Year Yield-on-Cost % is 5.82 as of Jul. 01, 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 $34.82 is trading 18.2% above its estimated GF Value™ of $29.47. GuruFocus considers First Bancorp to be Modestly Overvalued.

Key valuation signals for FNLC:

  • 5-Year Yield-on-Cost %: 5.82 (near median its 10-year median of 5.65)
  • GF Value™: $29.47 vs. price of $34.82 (18.2% above fair value)
  • GF Score™: 57/100 with 6 warning signs
  • Industry Position: 47.7% above the Banks median (#364 of 1250)

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 Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$34.82
Price
$29.47
GF Value