Companies: 10,795·Total market cap: $144.5T
The First Bancorp, Inc.

The First Bancorp, Inc.

FNLCNASDAQFinancial Services● Active
$29.63
$-0.18(-0.60%)
Market Cap$334100710
P/E Ratio—
52W High$30.33
52W Low$23.41
Free Cash FlowFinancialsRevenue

The First Bancorp, Inc. (FNLC) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

FNLC · free cash flow · updated Jun 8, 2026

Core FCF metrics

Free cash flow was $34.6M for FY2025 (fiscal year ending 2025-12-31), up 40.8% year-over-year The FCF margin was 19.5%. Five-year CAGR stands at +11.4%.

FY2025 Free Cash Flow$34.6M▲ +40.8% YoY
Trailing 12M (TTM)$56.0Mtrailing 4 quarters sum
FCF Margin19.5%$34.6M ÷ revenue
3-Year CAGR-4.6%FY2022 → FY2025
5-Year CAGR+11.4%FY2020 → FY2025
FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0
Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

Positive FCFNegative FCF
Free Cash Flow
YoY Growth %
fnlc free cash flow history · fnlc free cash flow chart · fnlc free cash flow growth rate · fnlc free cash flow last 10 years

Annual free cash flow data

Fiscal YearFree Cash FlowYoY ChangeFCF Margin
FY2025Latest$34.6M▲ +40.8%19.5%
FY2024$24.6M▼ 28.3%14.8%
FY2023$34.3M▼ 13.9%23.9%
FY2022$39.8M▼ 24.8%36.2%
FY2021$52.9M▲ +162.6%54.9%
FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP
fnlc free cash flow 2025 · fnlc free cash flow 2024 · fnlc free cash flow 2023 · fnlc operating cash flow

FCF valuation metrics

The First Bancorp, Inc. (FNLC) trades at a FCF yield of 16.82% and a price-to-free-cash-flow ratio of 5.9x. FCF per share stands at $5.06, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)
16.82%
Free Cash Flow ÷ Market Cap
per FMP freeCashFlowYieldTTM definition
FCF per Share (TTM)
$5.06
TTM FCF ÷ Shares Outstanding
Price / FCF
x5.9
Share Price ÷ FCF per Share
EV / FCF (TTM)
x9.0
Enterprise Value basis
Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31
fnlc price to free cash flow · fnlc free cash flow yield · fnlc free cash flow per share · fnlc price to cash flow ratio

Cash flow statement summary

For FY2025, The First Bancorp, Inc. generated $37.8M in operating cash flow and spent 3M in capital expenditures, yielding $34.6M in free cash flow.

Operating Activities
+$37.8M
Cash from core business operations
2025-12-31
Investing Activities
−$3.0M
CapEx, acquisitions & investments
2025-12-31
Financing Activities
−$34.7M
Buybacks, dividends & debt
2025-12-31
FCF FormulaOperating CF ($37.8M) − |CapEx| (3M) = FCF ($34.6M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →
fnlc cash flow statement · fnlc cash flow statement 2025 · fnlc operating cash flow · fnlc cash flow from operations

Free cash flow vs peers (Financial Services)

#CompanyFree Cash FlowYoY
#1
The First Bancorp, Inc.
The First Bancorp, Inc.YOU
FNLC
$34.6M+40.8%
#2
JPMorgan Chase & Co.
JPMorgan Chase & Co.
JPM
$100.87B+340.1%#3
Berkshire Hathaway Inc.
Berkshire Hathaway Inc.
BRK-A
$25.04B+115.6%#4
Berkshire Hathaway Inc.
Berkshire Hathaway Inc.
BRK-B
$25.04B+115.6%#5
Visa Inc.
Visa Inc.
V
$21.58B+15.4%#6
Mastercard Incorporated
Mastercard Incorporated
MA
$16.91B+18.2%
Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

The First Bancorp, Inc. (FNLC) reported free cash flow of $34.6M for FY2025 (fiscal year ending 2025-12-31), up 40.8% year-over-year. The FCF margin was 19.5%.

Based on available data, The First Bancorp, Inc. has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $52.9M in FY2021. The 5-year CAGR stands at +11.4%.

The First Bancorp, Inc.'s FCF yield is 16.82% and price-to-FCF ratio is 5.9x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.
RevenueFinancial statementsNet incomeEarningsForecastPrice historyMarket capCash on handP/E ratio

Frequently asked questions

FNLC free cash flow · 8 questions

The First Bancorp, Inc. free cash flow was $34.6M for FY2025, up 40.8% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $56.0M.

FNLC free cash flowFNLC FCFFNLC FCF 2025FNLC free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · The First Bancorp, Inc. · The First Bancorp, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026