Should I Buy FNLC? FNLC 2026 Analysis

Should You Buy First Bancorp Inc (FNLC) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

30.010

1 Day change

0.94%

52 Week Range

30.330

Analysis Updated At

2026/02/04

Should I buy Analysis is updated weekly. For real time "Should I Buy" analysis, please sign up to get free answers.

Not a good buy right now: the setup is bullish but extended (RSI overbought) and price is pressing into near-term resistance, making the immediate risk/reward unattractive for an impatient entry.
Strong underlying fundamentals (Q4 FY2025 YoY revenue/EPS/net income growth) support the stock longer-term, but the current level looks like a “chase” after a run.
With no Intellectia buy signals today and bearish-leaning options positioning (high put/call open interest), the better call is to hold off rather than buy immediately.

Technical Analysis

Trend: Bullish structure with SMA_5 > SMA_20 > SMA_200, confirming a sustained uptrend.
Momentum: MACD histogram +0.191 and expanding, supportive of continued upside momentum.
Overbought condition: RSI_6 = 80.279, signaling the stock is stretched and more prone to a near-term pullback/consolidation.
Levels: Pivot 27.612; resistance R1 28.789 has been exceeded; price is now near R2 29.515 (post-market ~29.23), a logical area for stall/rejection.
Pattern-based forecast: Similar-pattern stats imply modest near-term drift (next day/week) but a stronger 1-month bias (+8.04%), suggesting upside may be better captured on dips rather than at resistance.

Intellectia Proprietary Trading Signals

AI Stock Picker: no signal on given stock today.
SwingMax: No signal on given stock recently.

Options Data

Bearish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Positioning: Put open interest 421 vs call open interest 76 (OI put/call 5.54) suggests defensive/bearish skew or heavy hedging around current levels.
Activity: Very thin liquidity/participation (todays volume = 1; put volume = 0), so the sentiment read is less reliable.
Volatility: IV percentile 4.78 / IV rank 9.39 indicates IV is low relative to its history, despite 30D IV 43.86 vs HV 29.71 (options still pricing more than realized, but not at extreme relative levels).

Technical Summary

Sell

Buy

Positive Catalysts

- Clear bullish technical trend (moving averages stacked bullish; MACD positive and strengthening).
- Strong latest-quarter growth: revenue, net income, and EPS all up materially YoY (Q4 FY2025).
- No negative news flow in the past week; lack of overhang headlines can help trend persistence.
- Statistical pattern outlook favors the next month (+8.04%) more than the next day/week.

Neutral/Negative Catalysts

- Overbought: RSI_6 above 80 increases near-term pullback probability.
- Price is approaching a key resistance zone (R2 ~29.515), which can cap upside in the immediate term.
- Options open-interest skew is heavily put-tilted (5.54), implying notable caution/hedging near current prices.
- No hedge fund/insider accumulation signals reported recently (both neutral), reducing conviction for an “urgent” buy.

Financial Performance

Latest quarter: 2025/Q4.
Revenue: $24.699M, +18.21% YoY (accelerating top-line trend).
Net income: $10.172M, +39.69% YoY (profit growth outpacing revenue).
EPS: $0.91, +40.00% YoY (strong per-share earnings momentum).
Overall read: fundamentals are improving meaningfully YoY, supporting the longer-term uptrend.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

No recent analyst rating changes or price target updates were provided in the dataset.
Wall Street pro/con view (based strictly on available data):
- Pros: strong YoY earnings/revenue growth and bullish trend.
- Cons: stock is technically overextended at resistance and options positioning looks defensive.
Politicians / Congress trading: No recent congress trading data available (no identifiable buy/sell signal from influential political disclosures).

Analyst Rating

Wall Street analysts forecast FNLC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FNLC is 0 USD with a low forecast of 0 USD and a high forecast of 0 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

Buy