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First Bancorp FNLC Q4 2025 Annual earnings

Reported January 21, 2026 · Before market open

Revenue$45.5M
EPS$0.91

Next report

Oct 21, 2026 (in 2 months)

Financials

Q4 2025

Income statement

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Revenue$25.8M+17.5%
Net income$10.2M+39.7%
EPS (diluted)$0.91+37.9%

Balance sheet

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Cash & equivalents$27.8M+0.5%
Total debt$188.3M+28.2%
Total equity$283.1M+12.1%
Total assets$3.2B+0.3%

Cash flow

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Operating cash flow$15.4M+34.7%
CapEx$1.4M+46.5%
Free cash flow$13.9M+33.6%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$296.64M-2.7%
Enterprise value$457.16M+7.8%
P/E8.6×-2.7×
P/S3.1×-0.7×

Profitability

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Net margin36.3%+2.6pp
FCF margin36.5%+5.9pp

Returns & leverage

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Return on equity12.8%+1.9pp
Debt / equity0.7×+0.1×

Segments

By product

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Debit card income$1.6M+1.5%
Investment management and fiduciary income$1.4M+12.5%
Service charges on deposit accounts$559.0K+12.7%
Mortgage origination and servicing income, net of amortization$211.0K-25.2%

FAQ

When did First Bancorp report Q4 2025 earnings?
First Bancorp (FNLC) reported Q4 2025 earnings on January 21, 2026 before market open.
What were First Bancorp's Q4 2025 revenue and EPS?
First Bancorp reported revenue of $45.5M and eps of $0.91 for Q4 2025.
How did First Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 4.1% from $43.7M a year earlier and eps grew 40.0% from $0.65.
Where can I find First Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000765207-26-000005) and the 10-K periodic report (0000765207-26-000067) directly on SEC EDGAR. The filing index links above go to sec.gov.