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First Bancorp FNLC Net Interest Income

Net Interest Income at other companies

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$79.66M+24.7%
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$35.81M+7.4%
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$32.44M+15.9%
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$35.52M+6.8%

Other financials

Income statement

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Revenue$25.8M+14.6%
Net income$9.6M+18.6%
EPS (diluted)$0.85+18.1%

Balance sheet

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Cash & equivalents$29.8M+8.8%
Total debt$214.1M+9.1%
Total equity$293.0M+10.3%
Total assets$3.2B+0.5%

Cash flow

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Operating cash flow$22.8M+945%
CapEx$189.0K+40.0%
Free cash flow$22.2M+2,587%

Valuation

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Market cap$399.04M+41.2%
Enterprise value$583.35M+29.2%
P/E10.6×+1.1×
P/S3.9×+0.7×

Profitability

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Net margin37.3%+2.8pp
FCF margin57.1%+24.5pp

Returns & leverage

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Return on equity13.5%+1.8pp
Debt / equity0.7×0.0×

Where this comes from

Reported directly by First Bancorp in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The source filing: First Bancorp’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 10:18 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000765207-26-000106
Line itemFor the six months ended June 30, 2026For the six months ended June 30, 2025For the quarter ended June 30, 2026For the quarter ended June 30, 2025
Interest on deposits33,586,00038,994,00016,884,00019,725,000
Interest on borrowed funds3,541,0003,332,0001,793,0001,691,000
Total interest expense37,127,00042,326,00018,677,00021,416,000
Net interest income41,851,00036,208,00021,162,00018,409,000
Credit loss expense - loans1,569,000744,000919,000348,000
Credit loss (reduction) expense - debt securities HTM(2,000)2,000(1,000)1,000
Credit loss (reduction) expense - off-balance sheet credit exposures(12,000)132,00017,000137,000
Total credit loss expense1,555,000878,000935,000486,000

Item 1 – Financial Statements

FAQ

What is First Bancorp's net interest income?
First Bancorp (FNLC) reported net interest income of $21.16M in Q2 2026.
How has First Bancorp's net interest income changed year-over-year?
First Bancorp's net interest income increased by 15.0% year-over-year, from $18.41M to $21.16M.
What is the long-term trend for First Bancorp's net interest income?
Over 4 years (2021 to 2025), First Bancorp's net interest income has grown at a 3.9% compound annual growth rate (CAGR), from $66.3M to $77.38M.
What does net interest income mean?
This is the difference between the interest income earned on loans and investments and the interest expense paid on deposits and borrowings. It serves as the primary driver of a bank's core profitability and net interest margin.

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