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First Bancorp FNLC Construction loans and non-owner-occupied commercial real estate loans, percent of capital

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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+38.9%
Enterprise value$583.35M+27.8%
P/E10.6×+1.0×
P/S3.9×+0.6×

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 fnlc:ConstructionAndNonOwnerOccupiedCommercialRealEstateLoansPortfolioToCompanyCapital.

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

Construction, land, and land development: CLLD loans, both commercial and residential, represented 21.4% of total Bank capital as of June 30, 2026 and remain below the regulatory guidance of 100.0% of total Bank capital. Construction loans and non-owner-occupied commercial real estate loans represented 190.7% of total Bank capital at June 30, 2026, below the regulatory guidance of 300.0% of total Bank capital.

Item 1 – Financial Statements

FAQ

What is First Bancorp's construction loans and non-owner-occupied commercial real estate loans, percent of capital?
First Bancorp (FNLC) reported construction loans and non-owner-occupied commercial real estate loans, percent of capital of 190.7% in Q2 2026.
How has First Bancorp's construction loans and non-owner-occupied commercial real estate loans, percent of capital changed year-over-year?
First Bancorp's construction loans and non-owner-occupied commercial real estate loans, percent of capital decreased by 12.6% year-over-year, from 218.1% to 190.7%.
What does construction loans and non-owner-occupied commercial real estate loans, percent of capital mean?
Construction loans and non-owner-occupied commercial real estate loans, percent of capital as reported by First Bancorp, Inc. (ME).

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