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First Bancorp FNLC Debit card income — Non-interest income

Other product segments

Investment management and fiduciary income
$1.49M+12.8%
Service charges on deposit accounts
$560K+5.5%
Mortgage origination and servicing income, net of amortization
$176K-9.7%

Similar metrics at other companies

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BHBDebit Card — Noninterest Income
$2.04M+6.2%
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RRBIDebit card income, net
$916K-7.7%
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SFNCDebit and credit card fees — Non-interest income
$8.5M+0.7%
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BWBNoninterest Income Debit Card Interchange Fees
$201K+46.7%
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CACDebit card income — Revenue
$3.42M+5.8%
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MPBATM debit card interchange — Non-interest Income
$1.04M+12.6%

Other financials

Income statement

See full
Revenue$25.1M+15.3%
Net income$9.0M+27.1%
EPS (diluted)$0.80+27.0%

Balance sheet

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Cash & equivalents$23.6M-10.7%
Total debt$195.8M+5.6%
Total equity$286.8M+10.4%
Total assets$3.2B+0.4%

Cash flow

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Operating cash flow$22.8M+945%
CapEx$526.0K-61.1%
Free cash flow$22.2M+2,587%

Valuation

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Market cap$383.94M+43.8%
Enterprise value$556.13M+30.6%
P/E10.6×+1.1×
P/S3.9×+0.7×

Profitability

See full
Net margin37%+3.4pp
FCF margin57.1%+24.5pp

Returns & leverage

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Return on equity13.3%+2.1pp
Debt / equity0.7×0.0×

Where this comes from

Reported directly by First Bancorp in its filing.

Tagged under the XBRL concept us-gaap:RevenueFromContractWithCustomerIncludingAssessedTax.

The official record: First Bancorp’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is First Bancorp's debit card income — non-interest income?
First Bancorp (FNLC) reported debit card income — non-interest income of $1.2M in Q1 2026.
How has First Bancorp's debit card income — non-interest income changed year-over-year?
First Bancorp's debit card income — non-interest income increased by 2.6% year-over-year, from $1.17M to $1.2M.
What is the long-term trend for First Bancorp's debit card income — non-interest income?
Over 4 years (2021 to 2025), First Bancorp's debit card income — non-interest income has grown at a 1.2% compound annual growth rate (CAGR), from $5.21M to $5.46M.
What does debit card income — non-interest income mean?
This metric represents the total revenue generated from interchange fees and related service charges associated with debit card transactions processed by the bank's customers. As a component of non-interest income, it reflects the bank's ability to monetize consumer payment activity and digital transaction volume. This revenue stream is a key indicator of retail banking engagement and the bank's success in capturing recurring fee-based income independent of interest rate fluctuations.