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First Bancorp FNLC Q2 2025 earnings

Reported July 23, 2025 · Before market open

Revenue$44.0M
EPS$0.72

Next report

Oct 21, 2026 (in 2 months)

Financials

Q2 2025

Income statement

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Revenue$22.5M+17.2%
Net income$8.1M+30.7%
EPS (diluted)$0.72+30.9%

Balance sheet

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Cash & equivalents$27.4M-1.6%
Total debt$196.2M-14.9%
Total equity$265.5M+8.5%
Total assets$3.2B+3.7%

Cash flow

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Operating cash flow$7.4M+15.5%
CapEx$135.0K+129%
Free cash flow$7.2M+14.4%

Valuation & ratios

Valuation

as of 06/30/25
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Market cap$277.76M+0.4%
Enterprise value$446.57M-6.9%
P/E9.3×-1.2×
P/S3.2×-0.4×

Profitability

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Net margin34.5%+0.6pp
FCF margin32.4%+2.1pp

Returns & leverage

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Return on equity11.8%+0.7pp
Debt / equity0.7×-0.2×

Segments

By product

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Investment management and fiduciary income$1.3M+5.3%
Debit card income$1.3M-3.5%
Service charges on deposit accounts$539.0K-0.6%
Mortgage origination and servicing income, net of amortization$221.0K+16.9%

FAQ

When did First Bancorp report Q2 2025 earnings?
First Bancorp (FNLC) reported Q2 2025 earnings on July 23, 2025 before market open.
What were First Bancorp's Q2 2025 revenue and EPS?
First Bancorp reported revenue of $44.0M and eps of $0.72 for Q2 2025.
How did First Bancorp's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 8.0% from $40.7M a year earlier and eps grew 30.9% from $0.55.
Where can I find First Bancorp's Q2 2025 SEC filings?
You can read the 8-K earnings release (0000765207-25-000042) and the 10-Q periodic report (0000765207-25-000046) directly on SEC EDGAR. The filing index links above go to sec.gov.