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FNLC Dividend DRIP Calculator 2026
4.26% YieldFinancial ServicesThe First Bancorp, Inc. · NASDAQ
Price: $34.72 · Annual div: $1.48/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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🎯 When FNLC pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in FNLC → $4.51M in 10 years · $242.12/month
About The First Bancorp, Inc. (FNLC) — Dividend Analysis 2026
The First Bancorp, Inc. functions as the holding company for First National Bank, providing a comprehensive suite of banking products and financial services to both individual customers and commercial enterprises. Its deposit offerings encompass various account types, such as demand, NOW, savings, money market, and certificates of deposit. The institution also plays a key role in commercial real estate financing, issuing mortgage loans for investments in diverse property types including multi-family dwellings, retail outlets, offices, industrial sites, hotels, and educational facilities. It also funds commercial construction projects, whether for owner-occupied properties or other ventures. Additionally, it extends other commercial credit solutions like revolving lines and term loans, designed to assist businesses and corporations with their working capital needs or capital investments. Furthermore, First Bancorp furnishes loans to municipalities for capital expenditures, construction initiatives, or as tax-anticipation notes. Its residential lending portfolio includes amortizing home mortgages and construction loans for owner-occupied homes, along with home equity loans and lines of credit. For individuals, it provides consumer loans, which are typically amortizing and secured by assets such as automobiles, pleasure crafts, and recreational vehicles, or available as unsecured short-term notes. Beyond traditional banking, the company delivers specialized services including private banking, financial planning, investment management, and trust administration, catering to individuals, businesses, non-profit organizations, and municipalities. Payment processing solutions are also part of its service array. The company operates through 18 full-service banking branches strategically situated across Maine's Mid-Coast, Eastern, and Down East regions, specifically within Lincoln, Knox, Waldo, Penobscot, Hancock, and Washington counties. Established in 1864, the organization was originally known as First National Lincoln Corporation, adopting its current name, The First Bancorp, Inc., in April 2008. Its corporate headquarters are located in Damariscotta, Maine.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 FNLC Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold FNLC.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 4.26% | 1.46% | $426 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 3.62% | 0.82% | $362 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 3.41% | 0.61% | $341 / yr |
| 🇬🇧 UK ISA | 0% | 4.26% | 1.46% | $426 / yr |
| 🇬🇧 UK Taxable | 8.75% | 3.89% | 1.09% | $389 / yr |
| 🇨🇦 TFSA | 0% | 4.26% | 1.46% | $426 / yr |
| 🇨🇦 CA Taxable | 25% | 3.19% | 0.40% | $320 / yr |
| 🇦🇺 Super (pension) | 15% | 3.62% | 0.82% | $362 / yr |
| 🇦🇺 AU Taxable | 30% | 2.98% | 0.18% | $298 / yr |
| 🇩🇪 DE Taxable | 26.375% | 3.14% | 0.34% | $314 / yr |
| 🇫🇷 FR Taxable | 30% | 2.98% | 0.18% | $298 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 FNLC Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $1.48/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 FNLC Dividend Payment Schedule
FNLC pays quarterly — 4 times per year. Next ex-div: TBD.
📊 FNLC vs Financial Services Benchmarks
How FNLC compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for FNLC sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ FNLC Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| F-InKind | 2026-07-01 | 749 | $34.82 | $26.1K | ||
| Buy | 2026-04-30 | 500 | $28.64 | $14.3K | ||
| Buy | 2026-04-30 | 1,000 | $28.71 | $28.7K | ||
| A-Award | 2026-01-29 | 750 | — | — | ||
| A-Award | 2026-01-29 | 750 | — | — | ||
| A-Award | 2026-01-29 | 750 | — | — | ||
| A-Award | 2026-01-29 | 750 | — | — | ||
| A-Award | 2026-01-29 | 2,549 | — | — | ||
| A-Award | 2026-01-29 | 750 | — | — | ||
| A-Award | 2026-01-29 | 750 | — | — |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the FNLC dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
The First Bancorp, Inc. (FNLC) is currently trading at $34.72, trading near its 52-week high. The current dividend yield is 4.26% based on an annual payout of $1.48 per share.
FNLC (The First Bancorp, Inc.) — 4.26% Dividend Yield Analysis
The First Bancorp, Inc. (FNLC) is a financial services stock currently trading at $34.72 with a dividend yield of 4.26%. The company pays an annual dividend of $1.48 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, FNLC has grown its dividend at a compound annual rate of 20.2%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.
Latest FNLC News
LiveNews aggregated from public sources via Finnhub & RSS. For informational purposes only.