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First Bancorp (FNLC) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · First Bancorp (FNLC) Q3 2026 earnings results →
Q3 2026 Revenue up 12% year over year to $27.5M · 39¢ of every $1 of revenue kept as net profit · operating margin 47.1%
First Bancorp made $27.5M in Q3 2026 (+12% Y/Y): Net interest income $22.5M, Noninterest income $5.0M. Operating margin 47.1%, net earnings $10.7M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $27.5M in Q3 2026, up 12% year over year and up 6% from the previous quarter. Net interest income was the largest line at 82% of revenue. Net interest income added $2.4M year over year (up 12%), 83% of the total change.
Operating profit was $13.0M, a 47.1% margin (up 2.0 points year over year). Of the extra revenue versus a year earlier, 64% reached operating profit, above the 45% margin then. Total costs grew 8% against revenue growth of 12%. The fastest-growing cost line was Credit loss provision (+22%). Net earnings were $10.7M, up 17% year over year. The effective tax rate was 17.6%.
Operating cash flow was $9.6M (down 25% year over year), 90% of net earnings. Non-cash charges added back $528K of depreciation and amortization and $233K of share-based compensation. Working capital and other items used $1.8M. Capital expenditures of $75K left free cash flow of $9.5M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $27.5M | +12% | 47.1% | $10.7M | $9.6M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About First Bancorp
The First Bancorp, the parent company of First National Bank, is based in Damariscotta, Maine. Founded in 1864, First National Bank is a full-service community bank with $3.19 billion in assets. The Bank provides a complete array of commercial and retail banking services through eighteen locations in mid-coast and eastern Maine. First National Wealth Management, a division of the Bank, provides investment management and trust services to individuals, businesses, and municipalities. More information about The First Bancorp, First National Bank and First National Wealth Management may be found at www.thefirst.com.
In its own words, from its 8-K, filed Jul 22, 2026.
First Bancorp against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +12% against the peers' median +8%. Operating margin: 47.1% against the peers' median 32.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| FNLC First Bancorp | Q3 2026 | $27.5M | +12% | 47.1% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: First Bancorp 10-Q on SEC EDGAR · CIK 765207 · National Commercial Banks
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History
Every quarter: Q3 2026 results