Filing Flows › First Bancorp (FNLC) › Stock forecast & fair value
First Bancorp (FNLC) stock forecast and fair value
First Bancorp (FNLC) trades at $32.97. Across 11 valuation methods the middle fair value is $41.87 (+27%).
Fair value by method
| Method | Low | Point | High | vs price |
|---|---|---|---|---|
| P/E vs peers | $38.73 | $41.87 | $48.78 | +27% |
| P/E vs peers, weighted | $41.42 | $46.36 | $49.22 | +41% |
| P/E vs peers, matched | $37.34 | $41.76 | $48.13 | +27% |
| Residual income | $30.64 | $31.82 | $33.07 | -3% |
| P/TBV vs ROTCE (bank peers) | $32.01 | $41.28 | $50.56 | +25% |
| Shareholder yield (dividends + buybacks) | $24.88 | $29.78 | $37.09 | -10% |
| Justified P/TBV (Gordon growth) | $56.39 | $72.16 | $100.19 | +119% |
| Dividend discount (Gordon) | $32.95 | $42.17 | $58.54 | +28% |
| Stage-weighted value (financial (bank / insurer)) | $37.04 | $44.64 | $55.99 | +35% |
| Graham number | $36.59 | $44.82 | $51.75 | +36% |
First Bancorp's latest quarter
First Bancorp, Q3 2026: revenue $27.5M (+12% year over year), operating margin 47.1%, net earnings $10.7M, operating cash flow $9.6M. The chart follows the revenue to costs, profit and cash.
Questions
What is First Bancorp's fair value?
The fair-value methods on Filing Flows (DCF, Monte Carlo, peer multiples and others) put it between $29.78 and $72.16, with a middle value of $41.87 against a price of $32.97. Each method's assumptions are on the page.
Does First Bancorp usually beat earnings estimates?
It beat the consensus EPS estimate in 75% of the quarters on record.
Is FNLC stock a buy?
Filing Flows does not give advice. It shows what analysts expect, what each valuation method implies and the figures behind them, read from SEC filings, so you can judge for yourself.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.