Is FNB or FNLC more undervalued in 2026?

CirclFi compares F.N.B. Corporation (FNB) and First Bancorp, Inc (ME) (FNLC) using 13 institutional-grade valuation models. FNB has a Quality of Company score of 8.7/10 while FNLC scores 8.0/10.

Which is a better buy — FNB or FNLC?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do FNB and FNLC valuations compare?

FNB at $17.56 and FNLC at $29.18 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

FNB vs FNLC Valuation Comparison 2026 — Intrinsic Value Analysis

FNB

Banks - Regional

F.N.B. Corporation

Quality

8.7

out of 10

Value Trap

SAFE

Price

$17.56

Last close

Models

11/13

Active

FNLC

Banks - Regional

First Bancorp, Inc (ME)

Quality

8.0

out of 10

Value Trap

—

Price

$29.18

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	FNB Fair Value	FNB Upside	FNLC Fair Value	FNLC Upside
Bayesian DCF	Intrinsic	$7.11	-59.5%	$6.17	-78.9%
Earnings Power Value	Intrinsic	$7.96	-54.6%	$5.45	-81.3%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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FNB vs FNLC — Which Stock Is More Undervalued?

FNB scores higher with a 8.7/10 quality rating vs FNLC's 8.0/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing F.N.B. Corporation (FNB) and First Bancorp, Inc (ME) (FNLC) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

FNB currently trades at $17.56 with a QOC of 8.7/10, while FNLC trades at $29.18 with a QOC of 8.0/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).