What is First Bancorp's earnings per share (EPS)?

First Bancorp (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 Financials

FNLC

Trailing 12 months to June 30, 2026

Revenue $160.7M +3.1% YoY

Net Income $37.8M +26.1% YoY

EPS (Diluted) $3.37 +25.3% YoY

Free Cash Flow $35.6M +26.6% YoY

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

First Bancorp (FNLC) reported $160.7M in revenue over the twelve months to Jun 30, 2026, up 3.1% 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 2026-08-29

Balance-sheet expansion is funded mainly by liabilities, while larger scale has not restored earlier profitability or cash conversion.

Revenue reached $160M in FY2025 from $93.0M in FY2022, but that scale did not restore the earlier earnings profile. Net income in FY2025 remained below FY2022, while net margin was 21.5%; the business is larger without recovering prior profitability.

Assets expanded to $3.17B in FY2025 from $2.53B in FY2021, but the balance sheet remains liability-led rather than equity-funded. Liabilities reached $2.88B while equity was $283M; that structure makes capital generation more important than headline asset growth.

Operating cash flow was $37.8M in FY2025, below $56.7M in FY2021 despite higher revenue, indicating weaker cash generation per dollar of business. Free cash flow and operating cash flow were close in FY2025—$34.6M versus $37.8M—so the deterioration versus earlier years is not mainly a large reinvestment gap.

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'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

Growth

Capital

Efficiency

Credit Quality

Not available for First Bancorp, and counted as zero in the overall score.

Stability

Piotroski F-Score Partial

5/7

First Bancorp 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 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

$160.3M

YoY+7.7%

5Y CAGR+15.8%

10Y CAGR+12.2%

First Bancorp generated $160.3M in revenue in fiscal year 2025. This represents an increase of 7.7% from the prior year.

Net Income

$34.4M

YoY+27.2%

5Y CAGR+4.9%

10Y CAGR+7.8%

First Bancorp reported $34.4M in net income in fiscal year 2025. This represents an increase of 27.2% from the prior year.

EPS (Diluted)

$3.07

YoY+26.3%

5Y CAGR+4.4%

10Y CAGR+7.4%

First Bancorp earned $3.07 per diluted share (EPS) in fiscal year 2025. This represents an increase of 26.3% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$34.6M

YoY+40.8%

5Y CAGR+11.4%

10Y CAGR+5.7%

First Bancorp generated $34.6M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 40.8% from the prior year.

Cash & Debt

$27.8M

YoY+0.5%

5Y CAGR+1.2%

10Y CAGR+6.9%

First Bancorp held $27.8M in cash against $95.5M in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.47

YoY+2.8%

5Y CAGR+3.6%

10Y CAGR+5.4%

First Bancorp paid $1.47 per share in dividends in fiscal year 2025. This represents an increase of 2.8% from the prior year.

Shares Outstanding

11M

YoY+0.7%

5Y CAGR+0.5%

10Y CAGR+0.5%

First Bancorp had 11M shares outstanding in fiscal year 2025. This represents an increase of 0.7% from the prior year.

Margins & Returns

Net Margin

21.5%

YoY+3.3pp

5Y CAGR-13.7pp

10Y CAGR-10.4pp

First Bancorp's net profit margin was 21.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.3 percentage points from the prior year.

Return on Equity

12.2%

YoY+1.4pp

5Y CAGR0.0pp

10Y CAGR+2.5pp

First Bancorp's ROE was 12.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.4 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Share Buybacks

$282K

YoY+33.0%

5Y CAGR+12.6%

10Y CAGR+4.6%

First Bancorp spent $282K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 33.0% from the prior year.

Capital Expenditures

$3.2M

YoY+118.3%

5Y CAGR+4.9%

10Y CAGR+13.3%

First Bancorp invested $3.2M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 118.3% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

FNLC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FNLC quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$160.7M	$160.3M+7.7%	$148.8M+16.1%	$128.2M+37.8%	$93.0M+20.7%	$77.1M0.0%	$77.1M-1.9%	$78.7M+11.5%	$70.5M+16.0%	$60.8M+13.2%	$53.8M+5.8%	$50.8M-0.4%	$51.0M+2.2%	$49.9M-3.6%	$51.8M-7.0%	$55.7M
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 (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

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$39.8M+1.8%	$39.1M-3.9%	$40.7M-0.7%	$41.0M+3.0%	$39.8M+2.9%	$38.7M-0.7%	$39.0M+1.9%	$38.3M
SG&A Expenses	$7.1M-2.9%	$7.3M-44.2%	$13.1M+96.7%	$6.7M+6.3%	$6.3M-8.4%	$6.8M-43.6%	$12.1M+98.3%	$6.1M
Interest Expense	$18.7M+1.2%	$18.4M-6.0%	$19.6M-6.3%	$20.9M-2.2%	$21.4M+2.4%	$20.9M-2.5%	$21.4M-2.0%	$21.9M
Income Tax	$2.0M+2.1%	$1.9M-15.8%	$2.3M+13.7%	$2.0M+11.6%	$1.8M+20.3%	$1.5M+6.4%	$1.4M-12.1%	$1.6M
Net Income	$9.6M+6.3%	$9.0M-11.6%	$10.2M+12.0%	$9.1M+12.6%	$8.1M+13.9%	$7.1M-2.8%	$7.3M-3.8%	$7.6M
EPS (Diluted)	$0.85+6.2%	$0.80-12.1%	$0.91+12.3%	$0.81+12.5%	$0.72+14.3%	$0.63-4.5%	$0.66-2.9%	$0.68

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

FNLC Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FNLC quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
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
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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$3.2B+0.5%	$3.2B+1.1%	$3.2B-1.0%	$3.2B0.0%	$3.2B+0.4%	$3.2B+1.0%	$3.2B+0.5%	$3.1B
Cash & Equivalents	$29.8M+26.1%	$23.6M-15.0%	$27.8M-12.1%	$31.6M+15.5%	$27.4M+3.5%	$26.4M-4.4%	$27.6M-21.3%	$35.1M
Goodwill	$30.6M0.0%	$30.6M0.0%	$30.6M0.0%	$30.6M0.0%	$30.6M0.0%	$30.6M0.0%	$30.6M0.0%	$30.6M
Total Liabilities	$2.9B+0.3%	$2.9B+1.1%	$2.9B-1.4%	$2.9B-0.3%	$2.9B+0.2%	$2.9B+0.8%	$2.9B+0.6%	$2.9B
Long-Term Debt	$35.5M-62.8%	$95.5M0.0%	$95.5M0.0%	$95.5M+0.5%	$95.0M+35.7%	$70.0M-26.3%	$95.0M0.0%	$95.0M
Total Equity	$293.0M+2.2%	$286.8M+1.3%	$283.1M+3.1%	$274.6M+3.4%	$265.5M+2.2%	$259.7M+2.8%	$252.5M-1.7%	$256.8M
Retained Earnings	$250.3M+2.1%	$245.0M+1.9%	$240.5M+2.6%	$234.4M+2.1%	$229.5M+1.7%	$225.6M+1.2%	$222.8M+1.5%	$219.6M

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

FNLC Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FNLC quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
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
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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	-$13.0M-156.9%	$22.8M+48.2%	$15.4M+19.1%	$12.9M+75.1%	$7.4M+237.9%	$2.2M-80.9%	$11.4M+16.9%	$9.8M
Capital Expenditures	$189K-64.1%	$526K-63.3%	$1.4M+379.6%	$299K+121.5%	$135K-90.0%	$1.4M+38.1%	$979K+782.0%	$111K
Free Cash Flow	-$13.2M-159.1%	$22.2M+59.7%	$13.9M+10.6%	$12.6M+74.3%	$7.2M+773.4%	$828K-92.1%	$10.4M+8.1%	$9.6M
Investing Cash Flow	-$10.2M+66.7%	-$30.7M-235.6%	$22.7M+261.8%	$6.3M+186.4%	-$7.3M+70.6%	-$24.7M+25.3%	-$33.0M+24.4%	-$43.7M
Financing Cash Flow	$29.4M+675.7%	$3.8M+109.0%	-$41.9M-180.6%	-$14.9M-1937.4%	$812K-96.2%	$21.3M+50.7%	$14.1M-65.7%	$41.3M
Dividends Paid	$4.3M+6.1%	$4.0M-2.8%	$4.2M+0.1%	$4.1M+0.1%	$4.1M+6.3%	$3.9M+0.6%	$3.9M-3.4%	$4.0M
Share Buybacks	$21K-92.4%	$278K+13800.0%	-$2K-77.8%	$9K+350.0%	-$2K-99.3%	$277K	$0	$0

FNLC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

FNLC quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	21.5%+3.3pp	18.2%-4.9pp	23.0%-18.9pp	41.9%-5.1pp	47.0%+11.9pp	35.2%+2.7pp	32.5%-0.9pp	33.4%+1.2pp	32.2%-1.3pp	33.5%+1.6pp	31.9%+3.1pp	28.8%+2.9pp	26.0%+1.5pp	24.5%+2.3pp	22.2%
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
FCF Margin	21.6%+5.1pp	16.5%-10.2pp	26.8%-16.0pp	42.8%-25.9pp	68.7%+42.5pp	26.1%-5.0pp	31.1%-14.8pp	45.9%+13.4pp	32.5%-3.0pp	35.4%-3.6pp	39.0%+2.6pp	36.4%-8.9pp	45.3%+0.4pp	45.0%-6.2pp	51.2%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	24.0%+1.0pp	23.0%-2.0pp	25.0%+2.8pp	22.1%+1.9pp	20.3%+2.0pp	18.3%-0.4pp	18.7%-1.1pp	19.8%
Return on Equity	3.3%+0.1pp	3.1%-0.5pp	3.6%+0.3pp	3.3%+0.3pp	3.0%+0.3pp	2.7%-0.1pp	2.9%-0.1pp	2.9%
Return on Assets	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%
Debt-to-Equity	0.12-0.2x	0.330.0x	0.340.0x	0.350.0x	0.36+0.1x	0.27-0.1x	0.380.0x	0.37
FCF Margin	-33.0%-89.9pp	56.8%+22.6pp	34.2%+3.5pp	30.7%+12.6pp	18.2%+16.0pp	2.1%-24.6pp	26.7%+1.6pp	25.2%

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

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Where First Bancorp Ranks

Frequently Asked Questions

What is First Bancorp's annual revenue?

First Bancorp (FNLC) reported $160.3M in total revenue for fiscal year 2025. This represents a 7.7% 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's revenue growing?

First Bancorp (FNLC) revenue grew by 7.7% year-over-year, from $148.8M to $160.3M in fiscal year 2025.

Is First Bancorp profitable?

Yes, First Bancorp (FNLC) reported a net income of $34.4M in fiscal year 2025, with a net profit margin of 21.5%.

How much debt does First Bancorp have?

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

What is First Bancorp's net profit margin?

First Bancorp (FNLC) had a net profit margin of 21.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does First Bancorp pay dividends?

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

What is First Bancorp's return on equity (ROE)?

First Bancorp (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's free cash flow?

First Bancorp (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's operating cash flow?

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

What are First Bancorp's total assets?

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

What are First Bancorp's capital expenditures?

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

Does First Bancorp buy back shares?

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

How many shares does First Bancorp have outstanding?

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

What is First Bancorp's debt-to-equity ratio?

First Bancorp (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's return on assets (ROA)?

First Bancorp (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's Piotroski F-Score?

First Bancorp (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's earnings high quality?

First Bancorp (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?

First Bancorp (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.