What is First Bancorp's net margin?

First Bancorp (FNLC) reported net margin of 37% in Q1 2026.

How has First Bancorp's net margin changed year-over-year?

First Bancorp's net margin increased by 10.1% year-over-year, from 33.6% to 37%.

What is the long-term trend for First Bancorp's net margin?

Over 5 years (2020 to 2025), First Bancorp's net margin has grown at a 0.9% compound annual growth rate (CAGR), from 34.8% to 36.3%.

What does net margin mean?

Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.

First Bancorp FNLC Net margin

Net margin at other companies

Camden NationalCAC

30.7%+6.6pp

First Mid Bancshares, Inc.FMBH

26.5%+2.0pp

Home BancorpHBCP

30.7%+3.1pp

Pioneer Bancorp, Inc.PBFS

20.2%+0.8pp

West BancorporationWTBA

35.6%+4.5pp

First Business Financial ServicesFBIZ

29.8%+0.4pp

Other financials

Income statement

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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

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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

Calculated from First Bancorp’s reported figures.

net income/total revenue=37%

Based on trailing twelve months.

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 net margin?: First Bancorp (FNLC) reported net margin of 37% in Q1 2026.
How has First Bancorp's net margin changed year-over-year?: First Bancorp's net margin increased by 10.1% year-over-year, from 33.6% to 37%.
What is the long-term trend for First Bancorp's net margin?: Over 5 years (2020 to 2025), First Bancorp's net margin has grown at a 0.9% compound annual growth rate (CAGR), from 34.8% to 36.3%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.