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First Bancorp FNLC Q3 2025 earnings

Reported October 22, 2025 · Before market open

Revenue$45.5M
EPS$0.81

Next report

Oct 21, 2026 (in 2 months)

Financials

Q3 2025

Income statement

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Revenue$24.5M+19.5%
Net income$9.1M+20.0%
EPS (diluted)$0.81+19.1%

Balance sheet

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Cash & equivalents$31.6M-10.0%
Total debt$153.0M+1.3%
Total equity$274.6M+6.9%
Total assets$3.2B+1.8%

Cash flow

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Operating cash flow$12.9M+32.2%
CapEx$299.0K+169%
Free cash flow$12.6M+30.6%

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$294.39M+0.4%
Enterprise value$415.75M+1.6%
P/E9.3×-1.7×
P/S3.2×-0.5×

Profitability

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Net margin34.7%+0.9pp
FCF margin34.2%+2.9pp

Returns & leverage

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Return on equity11.9%+0.9pp
Debt / equity0.6×0.0×

Segments

By product

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Debit card income$1.4M+2.8%
Investment management and fiduciary income$1.3M+8.8%
Service charges on deposit accounts$532.0K+4.1%
Mortgage origination and servicing income, net of amortization$219.0K+13.5%

FAQ

When did First Bancorp report Q3 2025 earnings?
First Bancorp (FNLC) reported Q3 2025 earnings on October 22, 2025 before market open.
What were First Bancorp's Q3 2025 revenue and EPS?
First Bancorp reported revenue of $45.5M and eps of $0.81 for Q3 2025.
How did First Bancorp's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 7.2% from $42.4M a year earlier and eps grew 19.1% from $0.68.
Where can I find First Bancorp's Q3 2025 SEC filings?
You can read the 8-K earnings release (0000765207-25-000050) and the 10-Q periodic report (0000765207-25-000055) directly on SEC EDGAR. The filing index links above go to sec.gov.