What is First Bancorp, Inc. (ME)'s earnings per share (EPS)?

First Bancorp, Inc. (ME) (FNLC) reported diluted earnings per share of $3.07 for fiscal year 2025. This represents a 26.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

First Bancorp, Inc. (ME) (FNLC) Financials

FNLC

Trailing 12 months to June 30, 2026

Revenue $101.3M +16.7% YoY

Net Income $37.8M +26.1% YoY

EPS (Diluted) $3.37 +25.3% YoY

Free Cash Flow $35.6M +26.6% YoY

Market Cap $378.7M as of Oct 13, 2026

Price / Sales 3.7x on $101.3M revenue, trailing 12 months to June 30, 2026

Price / Earnings 10.0x on $37.8M net income, trailing 12 months to June 30, 2026

Price / Book 1.3x on $293.0M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 13, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FNLC SEC filings page.

First Bancorp, Inc. (ME) (FNLC) reported $101.3M in revenue over the twelve months to Jun 30, 2026, up 16.7% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI FNLC FY2025 2026-10-04

The bank’s 2025 rebound restored earnings and cash generation, but returns remain modest because its asset base expanded faster than profits.

The key earnings-quality shift is that FY2025 operating cash flow of $37.8M exceeded net income of $34.4M, reversing FY2024’s weaker cash conversion. That pairing suggests the 2025 profit rebound was accompanied by cash realization rather than existing only in accrual accounting.

FY2025 assets reached $3.2B while ROA was 1.1%, so the larger asset base is producing only modest earnings relative to its size. Total liabilities were $2.9B against equity of $283M, a structure in which balance-sheet obligations—not long-term borrowings alone—dominate financing.

Revenue recovered to $94.7M in FY2025 and net profit margin widened to 36.3%, indicating the earnings rebound involved both top-line recovery and improved profitability. Free cash flow also rose to $34.6M from $24.6M in FY2024, tying the improved reported performance to greater internally generated cash.

Financial Health Signals

Financial Health Score 49/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of First Bancorp, Inc. (ME)'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

First Bancorp, Inc. (ME) earned a return on assets of 1.1% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.9% the prior year. Earnings ranks banks on that return over three years, and First Bancorp, Inc. (ME) scores 61/100 among other banks.

Growth

First Bancorp, Inc. (ME) reported revenue of $94.7M in fiscal year 2025, against $80.3M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and First Bancorp, Inc. (ME) scores 53/100 among other banks.

Capital

First Bancorp, Inc. (ME) funded 8.9% of its assets with shareholders' equity at the end of fiscal year 2025, holding $283.1M of equity against $3.2B of assets. Capital ranks banks on that cushion, and First Bancorp, Inc. (ME) scores 17/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. First Bancorp, Inc. (ME) scores 80/100 on it among other banks.

Credit Quality

Not available for First Bancorp, Inc. (ME), and counted as zero in the overall score.

Stability

First Bancorp, Inc. (ME) reported net income of $34.4M in fiscal year 2025, against $27.0M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and First Bancorp, Inc. (ME) scores 80/100 among other banks.

Piotroski F-Score Partial

5/7

First Bancorp, Inc. (ME) passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.10x

For every $1 of reported earnings, First Bancorp, Inc. (ME) generates $1.10 in operating cash flow ($37.8M OCF vs $34.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$25.8M

YoY+14.6%

QoQ+2.7%

5Y CAGR+4.6%

10Y CAGR+6.3%

First Bancorp, Inc. (ME) generated $25.8M in revenue in Q2 2026. This represents an increase of 14.6% from the same quarter a year earlier. Against the prior quarter it is up 2.7%.

Net Income

$9.6M

YoY+18.6%

QoQ+6.3%

5Y CAGR+1.7%

10Y CAGR+7.5%

First Bancorp, Inc. (ME) reported $9.6M in net income in Q2 2026. This represents an increase of 18.6% from the same quarter a year earlier. Against the prior quarter it is up 6.3%.

EPS (Diluted)

$0.85

YoY+18.1%

QoQ+6.2%

5Y CAGR+1.2%

10Y CAGR+7.1%

First Bancorp, Inc. (ME) earned $0.85 per diluted share (EPS) in Q2 2026. This represents an increase of 18.1% from the same quarter a year earlier. Against the prior quarter it is up 6.2%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

-$13.2M

YoY-281.9%

QoQ-159.1%

First Bancorp, Inc. (ME) recorded an outflow of $13.2M in free cash flow in Q2 2026, representing a cash shortfall after capex. This represents a decrease of 281.9% from the same quarter a year earlier. Against the prior quarter it is down 159.1%.

Cash & Debt

$29.8M

YoY+8.8%

QoQ+26.1%

5Y CAGR+1.9%

10Y CAGR+3.6%

First Bancorp, Inc. (ME) held $29.8M in cash against $35.5M in long-term debt as of Q2 2026.

Dividends Per Share

$0.38

YoY+2.7%

QoQ+2.7%

5Y CAGR+3.5%

First Bancorp, Inc. (ME) paid $0.38 per share in dividends in Q2 2026. This represents an increase of 2.7% from the same quarter a year earlier. Against the prior quarter it is up 2.7%.

Shares Outstanding

11M

YoY+0.6%

QoQ+0.1%

5Y CAGR+0.5%

10Y CAGR+0.5%

First Bancorp, Inc. (ME) had 11M shares outstanding in Q2 2026. This represents an increase of 0.6% from the same quarter a year earlier. Against the prior quarter it is up 0.1%.

Margins & Returns

Net Margin

37.0%

YoY+1.2pp

QoQ+1.2pp

5Y change-5.6pp

10Y change+3.9pp

First Bancorp, Inc. (ME)'s net profit margin was 37.0% in Q2 2026, showing the share of revenue converted to profit. This is up 1.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.2 percentage points.

Return on Equity

3.3%

YoY+0.2pp

QoQ+0.1pp

5Y change-0.5pp

10Y change+0.6pp

First Bancorp, Inc. (ME)'s ROE was 3.3% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$21K

YoY+950.0%

QoQ-92.4%

5Y CAGR-0.9%

First Bancorp, Inc. (ME) spent $21K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 950.0% from the same quarter a year earlier. Against the prior quarter it is down 92.4%.

Capital Expenditures

$189K

YoY+40.0%

QoQ-64.1%

5Y CAGR+36.4%

10Y CAGR+2.1%

First Bancorp, Inc. (ME) invested $189K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 40.0% from the same quarter a year earlier. Against the prior quarter it is down 64.1%.

R&D Spending

Not reported for Q2 2026.

FNLC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FNLC quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$101.3M	$94.7M+18.0%	$80.3M-0.5%	$80.6M-13.3%	$93.0M+8.6%	$85.7M+9.9%	$78.0M+16.9%	$66.7M+6.2%	$62.8M+4.9%	$59.9M+7.9%	$55.4M+4.3%	$53.2M+5.0%	$50.6M+2.3%	$49.5M-1.3%	$50.2M-4.9%	$52.7M
SG&A Expenses	$34.3M	$27.0M+11.4%	$24.2M+10.4%	$21.9M-5.9%	$23.3M+10.2%	$21.2M+3.7%	$20.4M+10.8%	$18.4M+4.3%	$17.6M+6.3%	$16.6M+9.1%	$15.2M+0.9%	$15.1M+1.3%	$14.9M+4.1%	$14.3M+12.7%	$12.7M+3.6%	$12.2M
Interest Expense	$77.7M	$82.9M-2.4%	$84.9M+34.9%	$63.0M+273.3%	$16.9M+56.5%	$10.8M-37.6%	$17.3M-33.9%	$26.2M+28.6%	$20.3M+50.3%	$13.5M+25.1%	$10.8M+9.5%	$9.9M-13.6%	$11.4M-8.6%	$12.5M-3.4%	$12.9M-12.0%	$14.7M
Income Tax	$8.1M	$7.5M+36.2%	$5.5M-10.4%	$6.2M-26.3%	$8.4M+9.8%	$7.6M+49.3%	$5.1M+8.2%	$4.7M+10.0%	$4.3M-34.9%	$6.6M+2.4%	$6.5M+17.0%	$5.5M+20.8%	$4.6M+33.3%	$3.4M+1.6%	$3.4M-11.1%	$3.8M
Net Income	$37.8M	$34.4M+27.2%	$27.0M-8.4%	$29.5M-24.3%	$39.0M+7.5%	$36.3M+33.7%	$27.1M+6.3%	$25.5M+8.5%	$23.5M+20.2%	$19.6M+8.8%	$18.0M+11.1%	$16.2M+10.2%	$14.7M+13.5%	$13.0M+2.2%	$12.7M+2.6%	$12.4M
EPS (Basic)	N/A	$3.10+26.5%	$2.45-8.6%	$2.68-24.7%	$3.56+6.9%	$3.33+33.2%	$2.50+5.9%	$2.36+8.3%	$2.18+19.8%	$1.82+8.3%	$1.68+10.5%	$1.52+10.1%	$1.38+15.0%	$1.20-1.6%	$1.22+7.0%	$1.14
EPS (Diluted)	$3.37	$3.07+26.3%	$2.43-8.6%	$2.66-24.6%	$3.53+7.0%	$3.30+33.1%	$2.48+6.0%	$2.34+7.8%	$2.17+19.9%	$1.81+9.0%	$1.66+9.9%	$1.51+10.2%	$1.37+14.2%	$1.20-1.6%	$1.22+7.0%	$1.14
Diluted Shares (Avg)	N/A	11M+0.6%	11M+0.5%	11M+0.5%	11M+0.4%	11M+0.5%	11M+0.4%	11M+0.3%	11M+0.3%	11M-0.1%	11M+0.6%	11M+0.5%	11M+1.8%	11M+6.9%	10M+0.5%	10M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Revenue	$25.8M+14.6%	$25.1M+15.3%	$25.8M+17.5%	$24.5M+19.5%	$22.5M+17.2%	$21.8M+17.7%	$22.0M+10.2%	$20.5M+3.4%
SG&A Expenses	$7.1M+13.4%	$7.3M+7.0%	$13.1M+8.1%	$6.7M+8.9%	$6.3M+12.4%	$6.8M+13.1%	$12.1M+8.6%	$6.1M+10.9%
Interest Expense	$18.7M-12.8%	$18.4M-11.8%	$19.6M-8.5%	$20.9M-4.3%	$21.4M-0.3%	$20.9M+4.0%	$21.4M+13.1%	$21.9M+26.5%
Income Tax	$2.0M+9.0%	$1.9M+28.4%	$2.3M+62.4%	$2.0M+25.5%	$1.8M+37.8%	$1.5M+18.9%	$1.4M-0.9%	$1.6M+1.7%
Net Income	$9.6M+18.6%	$9.0M+27.1%	$10.2M+39.7%	$9.1M+20.0%	$8.1M+30.7%	$7.1M+17.5%	$7.3M+9.0%	$7.6M+1.3%
EPS (Basic)	$0.86+17.8%	$0.81+26.6%	$0.91+40.0%	$0.82+18.8%	$0.73+30.4%	$0.64+16.4%	$0.65+8.3%	$0.69+1.5%
EPS (Diluted)	$0.85+18.1%	$0.80+27.0%	$0.91+37.9%	$0.81+19.1%	$0.72+30.9%	$0.63+16.7%	$0.66+10.0%	$0.68+1.5%
Diluted Shares (Avg)	11M+0.7%	11M+0.6%	N/A	11M+0.6%	11M+0.6%	11M+0.6%	N/A	11M+0.5%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

FNLC Balance Sheet

FNLC quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$3.2B+0.3%	$3.2B+7.1%	$2.9B+7.6%	$2.7B+8.4%	$2.5B+7.0%	$2.4B+14.1%	$2.1B+6.4%	$1.9B+5.5%	$1.8B+7.6%	$1.7B+9.5%	$1.6B+5.6%	$1.5B+1.2%	$1.5B+3.5%	$1.4B+3.1%	$1.4B
Cash & Equivalents	$27.8M+0.5%	$27.6M-13.5%	$31.9M+40.5%	$22.7M+10.1%	$20.6M-21.3%	$26.2M+81.6%	$14.4M-24.6%	$19.1M-0.4%	$19.2M+10.6%	$17.4M+21.4%	$14.3M+9.5%	$13.1M-21.2%	$16.6M+10.8%	$15.0M+6.0%	$14.1M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$30.6M0.0%	$30.6M0.0%	$30.6M0.0%	$30.6M0.0%	$30.6M0.0%	$30.6M+2.8%	$29.8M0.0%	$29.8M0.0%	$29.8M0.0%	$29.8M0.0%	$29.8M0.0%	$29.8M0.0%	$29.8M0.0%	$29.8M+7.7%	$27.7M
Total Liabilities	$2.9B-0.7%	$2.9B+7.4%	$2.7B+7.7%	$2.5B+10.0%	$2.3B+6.7%	$2.1B+15.1%	$1.9B+5.9%	$1.8B+5.5%	$1.7B+7.9%	$1.5B+10.2%	$1.4B+5.8%	$1.3B+0.2%	$1.3B+4.7%	$1.3B+3.0%	$1.2B
Long-Term Debt	$95.5M+0.5%	$95.0M	$0-100.0%	$84K-99.8%	$55.1M0.0%	$55.1M+445.3%	$10.1M-84.5%	$65.1M-43.4%	$115.1M-4.2%	$120.1M+4.3%	$115.1M+27.7%	$90.1M-30.7%	$130.1M-7.1%	$140.2M+7.7%	$130.2M
Total Equity	$283.1M+12.1%	$252.5M+3.9%	$243.1M+6.2%	$228.9M-6.8%	$245.7M+9.8%	$223.7M+5.3%	$212.5M+10.9%	$191.5M+5.6%	$181.3M+5.1%	$172.5M+3.0%	$167.5M+3.7%	$161.6M+10.6%	$146.1M-6.5%	$156.3M+3.6%	$150.9M
Retained Earnings	$240.5M+7.9%	$222.8M+5.1%	$211.9M+3.7%	$204.3M+13.3%	$180.4M+13.9%	$158.4M+9.3%	$144.8M+9.3%	$132.5M+9.3%	$121.1M+8.5%	$111.7M+4.7%	$106.7M+6.9%	$99.8M+6.2%	$94.0M+4.8%	$89.7M+5.1%	$85.3M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Total Assets	$3.2B+0.5%	$3.2B+0.4%	$3.2B+0.3%	$3.2B+1.8%	$3.2B+3.7%	$3.2B+7.0%	$3.2B+7.1%	$3.1B+6.7%
Cash & Equivalents	$29.8M+8.8%	$23.6M-10.7%	$27.8M+0.5%	$31.6M-10.0%	$27.4M-1.6%	$26.4M+10.7%	$27.6M-13.5%	$35.1M+17.5%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$30.6M0.0%	$30.6M0.0%	$30.6M0.0%	$30.6M0.0%	$30.6M0.0%	$30.6M0.0%	$30.6M0.0%	$30.6M0.0%
Total Liabilities	$2.9B-0.4%	$2.9B-0.5%	$2.9B-0.7%	$2.9B+1.3%	$2.9B+3.3%	$2.9B+7.0%	$2.9B+7.4%	$2.9B+6.2%
Long-Term Debt	$35.5M-62.6%	$95.5M+36.4%	$95.5M+0.5%	$95.5M+0.5%	$95.0M+35.7%	$70.0M0.0%	$95.0M	$95.0M
Total Equity	$293.0M+10.3%	$286.8M+10.4%	$283.1M+12.1%	$274.6M+6.9%	$265.5M+8.5%	$259.7M+7.0%	$252.5M+3.9%	$256.8M+13.3%
Retained Earnings	$250.3M+9.0%	$245.0M+8.6%	$240.5M+7.9%	$234.4M+6.8%	$229.5M+6.3%	$225.6M+5.5%	$222.8M+5.1%	$219.6M+5.0%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

FNLC Cash Flow Statement

FNLC quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$38.1M	$37.8M+45.2%	$26.0M-29.4%	$36.9M-10.4%	$41.2M-27.3%	$56.7M+149.8%	$22.7M-12.9%	$26.1M-23.0%	$33.8M+51.9%	$22.3M+5.1%	$21.2M+2.2%	$20.7M+1.4%	$20.5M-18.1%	$25.0M-0.2%	$25.0M-15.8%	$29.7M
Depreciation & Amortization	N/A	$2.2M0.0%	$2.2M+4.8%	$2.1M+3.9%	$2.1M-2.6%	$2.1M-6.9%	$2.3M+14.3%	$2.0M+8.0%	$1.8M-3.8%	$1.9M+6.7%	$1.8M+0.6%	$1.8M-10.6%	$2.0M-3.1%	$2.1M+28.6%	$1.6M-2.5%	$1.6M
Stock-Based Compensation	N/A	$966K+7.9%	$895K+9.1%	$820K+1.4%	$809K-5.5%	$856K+31.3%	$652K+15.4%	$565K+48.3%	$381K-2.8%	$392K+31.5%	$298K+0.7%	$296K-31.3%	$431K+101.4%	$214K+151.8%	$85K+286.4%	$22K
Capital Expenditures	$2.4M	$3.2M+118.3%	$1.5M-44.0%	$2.6M+87.7%	$1.4M-62.6%	$3.8M+47.9%	$2.5M+61.5%	$1.6M+6.0%	$1.5M-41.3%	$2.5M+18.7%	$2.1M+129.9%	$927K-51.4%	$1.9M-19.2%	$2.4M+36.9%	$1.7M+41.2%	$1.2M
Free Cash Flow	$35.6M	$34.6M+40.8%	$24.6M-28.3%	$34.3M-13.9%	$39.8M-24.8%	$52.9M+162.6%	$20.2M-17.7%	$24.5M-24.3%	$32.4M+63.9%	$19.7M+3.6%	$19.1M-3.8%	$19.8M+6.8%	$18.6M-18.0%	$22.6M-2.9%	$23.3M-18.3%	$28.5M
Investing Cash Flow	-$12.0M	-$3.0M+98.6%	-$217.4M-8.8%	-$199.8M+19.3%	-$247.6M-22.7%	-$201.7M+19.3%	-$250.1M-115.1%	-$116.3M-3.8%	-$112.1M+13.8%	-$130.1M+12.2%	-$148.2M-71.6%	-$86.3M-415.5%	-$16.8M+77.9%	-$76.0M-294.2%	-$19.3M-219.1%	$16.2M
Financing Cash Flow	-$23.6M	-$34.7M-118.5%	$187.1M+8.7%	$172.1M-17.4%	$208.5M+49.5%	$139.5M-41.7%	$239.2M+179.6%	$85.5M+9.4%	$78.2M-28.7%	$109.6M-15.7%	$130.1M+94.6%	$66.8M+1025.2%	-$7.2M-113.7%	$52.6M+1171.0%	-$4.9M+89.2%	-$45.6M
Dividends Paid	$16.6M	$16.3M+3.4%	$15.8M+2.5%	$15.4M+4.3%	$14.8M+6.0%	$13.9M+4.6%	$13.3M+2.8%	$13.0M+7.6%	$12.1M+5.2%	$11.5M+16.8%	$9.8M+4.9%	$9.3M+5.1%	$8.9M+2.7%	$8.7M+4.2%	$8.3M-5.0%	$8.8M
Share Buybacks	$306K	$282K+33.0%	$212K-15.2%	$250K-9.7%	$277K+9.5%	$253K+62.2%	$156K-14.8%	$183K+8.9%	$168K+9.1%	$154K+19.4%	$129K-28.3%	$180K	$0	$0	N/A	$0

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Operating Cash Flow	-$13.0M-276.0%	$22.8M+944.6%	$15.4M+34.7%	$12.9M+32.2%	$7.4M+15.5%	$2.2M+245.6%	$11.4M+6.4%	$9.8M-5.2%
Depreciation & Amortization	$542K-0.2%	$557K-0.5%	$570K+2.2%	$561K-2.6%	$543K-1.3%	$560K+1.6%	$558K+1.5%	$576K+3.2%
Stock-Based Compensation	N/A	$306K+2.7%	N/A	N/A	N/A	$298K+29.0%	N/A	N/A
Capital Expenditures	$189K+40.0%	$526K-61.1%	$1.4M+46.5%	$299K+169.4%	$135K+128.8%	$1.4M+314.7%	$979K+156.3%	$111K-93.3%
Free Cash Flow	-$13.2M-281.9%	$22.2M+2586.8%	$13.9M+33.6%	$12.6M+30.6%	$7.2M+14.4%	$828K+145.4%	$10.4M+0.8%	$9.6M+11.8%
Investing Cash Flow	-$10.2M-41.3%	-$30.7M-24.5%	$22.7M+168.6%	$6.3M+114.3%	-$7.3M+93.0%	-$24.7M+33.5%	-$33.0M-483.6%	-$43.7M+37.9%
Financing Cash Flow	$29.4M+3516.9%	$3.8M-82.2%	-$41.9M-396.1%	-$14.9M-136.2%	$812K-99.2%	$21.3M-30.3%	$14.1M+181.8%	$41.3M-36.4%
Dividends Paid	$4.3M+3.4%	$4.0M+3.6%	$4.2M+7.2%	$4.1M+3.4%	$4.1M+3.4%	$3.9M-0.2%	$3.9M-0.2%	$4.0M+3.3%
Share Buybacks	$21K+950.0%	$278K+0.4%	-$2K	$9K	-$2K+100.0%	$277K+31.3%	$0-100.0%	$0-100.0%

FNLC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FNLC quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	36.3%+2.6pp	33.7%-2.9pp	36.6%-5.3pp	41.9%-0.4pp	42.3%+7.5pp	34.8%-3.5pp	38.3%+0.8pp	37.5%+4.7pp	32.7%+0.3pp	32.5%+2.0pp	30.5%+1.4pp	29.0%+2.9pp	26.2%+0.9pp	25.3%+1.9pp	23.4%
Return on Equity	12.2%+1.4pp	10.7%-1.4pp	12.1%-4.9pp	17.0%+2.3pp	14.8%+2.6pp	12.1%+0.1pp	12.0%-0.3pp	12.3%+1.5pp	10.8%+0.4pp	10.4%+0.8pp	9.7%+0.6pp	9.1%+0.2pp	8.9%+0.8pp	8.1%-0.1pp	8.2%
Return on Assets	1.1%+0.2pp	0.9%-0.1pp	1.0%-0.4pp	1.4%0.0pp	1.4%+0.3pp	1.1%-0.1pp	1.2%0.0pp	1.2%+0.1pp	1.1%0.0pp	1.1%0.0pp	1.0%0.0pp	1.0%+0.1pp	0.9%0.0pp	0.9%0.0pp	0.9%
Debt-to-Equity	0.340.0x	0.38+0.4x	0.000.0x	0.00-0.2x	0.220.0x	0.25+0.2x	0.05-0.3x	0.34-0.3x	0.63-0.1x	0.700.0x	0.69+0.1x	0.56-0.3x	0.890.0x	0.900.0x	0.86
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.04
FCF Margin	36.5%+5.9pp	30.6%-11.9pp	42.5%-0.3pp	42.8%-19.0pp	61.8%+35.9pp	25.9%-10.8pp	36.7%-14.8pp	51.5%+18.5pp	33.0%-1.4pp	34.4%-2.9pp	37.3%+0.6pp	36.6%-9.0pp	45.7%-0.8pp	46.4%-7.6pp	54.0%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Net Margin	37.0%+1.2pp	35.8%+3.3pp	39.4%+6.2pp	37.0%+0.1pp	35.8%+3.7pp	32.5%-0.1pp	33.1%-0.3pp	36.9%-0.8pp
Return on Equity	3.3%+0.2pp	3.1%+0.4pp	3.6%+0.7pp	3.3%+0.4pp	3.0%+0.5pp	2.7%+0.3pp	2.9%+0.1pp	2.9%-0.4pp
Return on Assets	0.3%+0.1pp	0.3%+0.1pp	0.3%+0.1pp	0.3%0.0pp	0.3%+0.1pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp
Debt-to-Equity	0.12-0.2x	0.33+0.1x	0.340.0x	0.350.0x	0.36+0.1x	0.270.0x	0.38+0.4x	0.37+0.4x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	-50.9%-83.0pp	88.5%+84.7pp	53.9%+6.5pp	51.4%+4.4pp	32.1%-0.8pp	3.8%+13.6pp	47.4%-4.4pp	47.0%+3.5pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
First Bancorp, Inc. (ME) FNLC	FY2025	$94.7M	$34.4M	36.3%	$378.7M	49/100
Bankwell Financial Group Inc BWFG	FY2025	$108.3M	$35.2M	32.5%	$524.1M	37/100
Colony Bankcorp Inc. CBAN	FY2025	$30.0M	$6.6M	22.1%	$424.4M	22/100
PCB Bancorp PCB	FY2025	$115.7M	$37.5M	32.4%	$393.0M	54/100
Citizens Financial Services, Inc. CZFS	FY2025	$112.3M	$36.6M	32.6%	$379.5M	59/100
Orange County Bancorp, Inc. OBT	FY2025	$127.2M	$41.6M	32.7%	$500.1M	57/100

Where First Bancorp, Inc. (ME) Ranks

Frequently Asked Questions

What is First Bancorp, Inc. (ME)'s annual revenue?

First Bancorp, Inc. (ME) (FNLC) reported $94.7M in total revenue for fiscal year 2025. This represents a 18.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is First Bancorp, Inc. (ME)'s revenue growing?

First Bancorp, Inc. (ME) (FNLC) revenue grew by 18.0% year-over-year, from $80.3M to $94.7M in fiscal year 2025.

Is First Bancorp, Inc. (ME) profitable?

Yes, First Bancorp, Inc. (ME) (FNLC) reported a net income of $34.4M in fiscal year 2025, with a net profit margin of 36.3%.

How much debt does First Bancorp, Inc. (ME) have?

As of fiscal year 2025, First Bancorp, Inc. (ME) (FNLC) had $27.8M in cash and equivalents against $95.5M in long-term debt.

What is First Bancorp, Inc. (ME)'s net profit margin?

First Bancorp, Inc. (ME) (FNLC) had a net profit margin of 36.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does First Bancorp, Inc. (ME) pay dividends?

Yes, First Bancorp, Inc. (ME) (FNLC) paid $1.47 per share in dividends during fiscal year 2025.

What is First Bancorp, Inc. (ME)'s return on equity (ROE)?

First Bancorp, Inc. (ME) (FNLC) has a return on equity of 12.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is First Bancorp, Inc. (ME)'s free cash flow?

First Bancorp, Inc. (ME) (FNLC) generated $34.6M in free cash flow during fiscal year 2025. This represents a 40.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is First Bancorp, Inc. (ME)'s operating cash flow?

First Bancorp, Inc. (ME) (FNLC) generated $37.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are First Bancorp, Inc. (ME)'s total assets?

First Bancorp, Inc. (ME) (FNLC) had $3.2B in total assets as of fiscal year 2025, including both current and long-term assets.

What are First Bancorp, Inc. (ME)'s capital expenditures?

First Bancorp, Inc. (ME) (FNLC) invested $3.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does First Bancorp, Inc. (ME) buy back shares?

Yes, First Bancorp, Inc. (ME) (FNLC) spent $282K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does First Bancorp, Inc. (ME) have outstanding?

First Bancorp, Inc. (ME) (FNLC) had 11M shares outstanding as of fiscal year 2025.

What is First Bancorp, Inc. (ME)'s debt-to-equity ratio?

First Bancorp, Inc. (ME) (FNLC) had a debt-to-equity ratio of 0.34 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is First Bancorp, Inc. (ME)'s return on assets (ROA)?

First Bancorp, Inc. (ME) (FNLC) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is First Bancorp, Inc. (ME)'s P/E ratio?

First Bancorp, Inc. (ME) (FNLC) trades at 10.0x earnings, its market capitalization divided by net income of $37.8M net income, trailing 12 months to June 30, 2026. The market capitalization is $378.7M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is First Bancorp, Inc. (ME)'s price-to-sales ratio?

First Bancorp, Inc. (ME) (FNLC) trades at 3.7x sales, its market capitalization divided by revenue of $101.3M revenue, trailing 12 months to June 30, 2026. The market capitalization is $378.7M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is First Bancorp, Inc. (ME)'s Piotroski F-Score?

First Bancorp, Inc. (ME) (FNLC) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are First Bancorp, Inc. (ME)'s earnings high quality?

First Bancorp, Inc. (ME) (FNLC) has an earnings quality ratio of 1.10x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is First Bancorp, Inc. (ME)?

First Bancorp, Inc. (ME) (FNLC) scores 49 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.