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The First Bancorp, Inc.: Business Overview, Financials & Competitive Analysis

The First Bancorp, Inc. scores 6/10 on the AskCyborg Cyborg Score (Solid). Stable regional bank offering attractive dividend yield for conservative investors seeking steady income from a disciplined Maine-based community lender. First Bancorp demonstrates solid fundamentals as a profitable regional bank with consistent dividends and strong profitability metrics (P/E 9.50, EPS $3.07 TTM). However, limited analyst coverage and modest scale.

What is The First Bancorp, Inc.'s industry? The First Bancorp, Inc. (thefirst.com) operates in Regional Banking / Community Banks. AskCyborg classifies The First Bancorp, Inc. under Regional Banking / Community Banks in its company registry.

First Bancorp is a Maine-based bank holding company operating First National Bank, providing consumer and commercial banking services across mid-coast and eastern Maine. The company serves primarily small businesses a...

6/ 10Solid

Cyborg Score thesis

Stable regional bank offering attractive dividend yield for conservative investors seeking steady income from a disciplined...

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Industry Regional Banking / Community Banks
3 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: September 14, 2026
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The First Bancorp, Inc. OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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The First Bancorp, Inc. Overview

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First Bancorp is a Maine-based bank holding company operating First National Bank, providing consumer and commercial banking services across mid-coast and eastern Maine. The company serves primarily small businesses and individuals through 18 branches, with a focus on personal service and comprehensive financial solutions.

Strategic Profile

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First Bancorp positions itself as a community-oriented regional bank with strong dividend returns (5.03% yield) and emphasis on wealth management services through First National Wealth Management. The company maintains a low beta (0.57), suggesting stability and defensive characteristics relative to broader market volatility.

Competitive Landscape

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First Bancorp competes against larger regional and national banks (Katahdin Bankshares, Independent Bank Corp, Community Trust Bancorp, ChoiceOne Financial) but differentiates through hyper-local Maine market focus, personalized service, and wealth management integration. Its small-cap status provides nimbleness advantage in its concentrated geographic footprint.

Industry Context

The First Bancorp, Inc. operates in Regional Banking / Community Banks.

Key facts

Founded: 1864 · Headquarters: Damariscotta, Maine, US · Employees: N/A · Revenue: N/A · Market cap: $278.6M-$327.5M

What the analysts stress-tested

The top findings that survived the multi-agent debate for The First Bancorp, Inc..

  • High dividend yield of 5.03% with quarterly increases demonstrates consistent shareholder returns
  • Operates 18 branches focused exclusively on Maine markets (Lincoln, Knox, Waldo, Penobscot, Hancock, Washington counties)
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Recent developments

Material events tracked by the AskCyborg corpus.

  • January 2026Q4 2025 earnings announced with strong year-over-year net income growth and net interest margin expansion
  • January 2026Quarterly dividend declared at $0.37 per share ($1.48 annualized)
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

Regional Banking ServicesRegional bank competitor in northeastern US→Community BankingMidwest/Mid-Atlantic regional banking services→Regional BankingMulti-state regional banking operations→

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Industry context

The First Bancorp, Inc. operates in Regional Banking / Community Banks. See how the rest of the sector scores on the Cyborg framework.

Top companies in Regional Banking by Cyborg Score

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Frequently asked questions

What does The First Bancorp, Inc. do?+
First Bancorp is a Maine-based bank holding company operating First National Bank, providing consumer and commercial banking services across mid-coast and eastern Maine. The company serves primarily small businesses a...
What is The First Bancorp, Inc.'s Cyborg Score?+
The First Bancorp, Inc. has a Cyborg Score of 6/10 (Solid). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are The First Bancorp, Inc.'s main competitors?+
Named competitors include Regional Banking Services, Community Banking, Regional Banking. The full competitive landscape is in the AskCyborg report.
How can I get the full The First Bancorp, Inc. research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
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The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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More Regional Banking research

Companies in the same sector and named competitors, ranked by Cyborg Score.

8East West Bancorp, Inc.8Fifth Third Bancorp8M&T Bank Corporation8Red River Bancshares, Inc.7Ames National Corporation7Atlantic Union Bankshares Corporation7Banc of California, Inc.7BancFirst Corporation7Banco del Bajío, S.A., Institución de Banca Múltiple7Bank of Ireland Group plcTop companies in Regional Banking by Cyborg Score