First Bancorp, Inc (ME) (FNLC) Fair Value 2026

FNLC · National Commercial Banks ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.2 /10

32 fundamental signals · 12 models active

Value Trap Risk

LOW (27/100)

Quick Summary — As of 2026-07-14, First Bancorp, Inc (ME) (FNLC) trades at $33.79, approximately 68% above CirclFi’s Bayesian DCF fair value of $20.14. QOC: 7.2/10. Value Trap Risk: 27/100 (LOW). 12/13 models active.

Key Facts

Ticker
FNLC
Price
$33.79
Quality Score
7.2/10
Value Trap Risk
27/100
Models Active
12/13
Last Updated
Strength: 12 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Valuation Matrix

12 Intrinsic Value Models vs. Current Price ($33.79)

Core Models (Unlocked)
Model Fair Value Upside
Bayesian DCF
High Conviction
 $20.14 -40.4%
Earnings Power Value
High Conviction
 $11.38 -66.3%
CUCE Ensemble
Low Conviction
 $26.74 -20.9%
First Chicago
High Conviction
 $18.91 -44.0%

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What Is First Bancorp, Inc (ME) (FNLC) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, the balance of valuation evidence tilts cautious on First Bancorp, Inc (ME) at its current price of $33.79. The composite intrinsic value is estimated at $32.37 (-4.2% average return), with 8 models flagging overvaluation risk. The most optimistic model, ML-RIV, places fair value at $110.39 (+226.7%), while EPV — the most conservative — estimates $11.38 (-66.3%). This +293.0% gap reflects genuine analytical uncertainty about First Bancorp, Inc (ME)'s intrinsic worth.

What Do the Models Say About FNLC?

12 of 13 models are currently active for FNLC. Of these, 2 models suggest upside while 10 models suggest overvaluation. The Bayesian DCF estimates FNLC's intrinsic value at $20.14, implying -40.4% downside from the current price. See which stocks rank higher →

How Does FNLC Rank in National Commercial Banks?

Among 92 National Commercial Banks stocks, FNLC ranks #65 by Quality of Company score. CirclFi's QOC score of 7.2/10 evaluates 32 fundamental signals. A score of 7.2 indicates above-average quality.

See all Most Undervalued National Commercial Banks Stocks →

As a banking sector, First Bancorp, Inc (ME) operates in a sector where loan loss provisions is a critical driver of valuation. Investors evaluating FNLC should weigh these sector-specific dynamics alongside our model-derived fair values.

Is FNLC a Value Trap?

CirclFi's Value Trap algorithm assigns FNLC a score of 27/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

12 of 13 models are active for First Bancorp, Inc (ME). Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, First Bancorp, Inc (ME)'s fundamental quality profile registers 7.2/10. This respectable score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +293.0% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every FNLC valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across FNLC's 12 active models, average confidence is 41%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy First Bancorp, Inc (ME) Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar National Commercial Banks Stocks Should You Also Analyze?

8 related National Commercial Banks stocks with 13-model coverage

CBNAChain Bridge Bancorp, Inc.QOC 9.6CARECarter Bankshares, Inc.QOC 9.6SHBIShore Bancshares, Inc.QOC 9.6WABCWestamerica BancorporationQOC 9.4FSUNFirstSun Capital BancorpQOC 9.3CASHPathward Financial, Inc.QOC 9.3FUNCFirstQOC 9.1CHCOCity Holding CompanyQOC 9.1

Read investment analysis: CBNA · CARE · SHBI · WABC · FSUN

See all National Commercial Banks stocks ranked →

Frequently Asked Questions About First Bancorp, Inc (ME)

What is First Bancorp, Inc (ME)'s intrinsic value in 2026?

Based on CirclFi's 13-model analysis, First Bancorp, Inc (ME) (FNLC) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value at $20.14. The Quality of Company score is 7.2/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is FNLC overvalued or undervalued right now?

At $33.79, 2 of 12 active models suggest FNLC may be undervalued, while 10 indicate potential overvaluation. The assessment depends on which methodology best fits First Bancorp, Inc (ME)'s business model in National Commercial Banks.

What does a Quality of Company score of 7.2 mean for FNLC?

First Bancorp, Inc (ME)'s QOC of 7.2/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on FNLC?

CirclFi analyzes FNLC with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 12 of 13 are active for this stock. Read the full methodology →

Is FNLC a value trap in 2026?

First Bancorp, Inc (ME)'s Value Trap score is 27/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

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