Filing Flows › First Bancorp (FNLC) › Q3 2026 › vs Q3 2025
First Bancorp (FNLC) Q3 2026 vs Q3 2025 (year over year)
First Bancorp's revenue rose $2.9M (+12%) from $24.5M in Q3 2025 to $27.5M in Q3 2026. The biggest changes: Net interest income +$2.4M (+12%); Noninterest income +$503K (+11%). Operating margin 47.1% against 45.2% (+2.0 pts).
First Bancorp, Q3 2026: revenue $27.5M (+12% year over year), operating margin 47.1%, net earnings $10.7M, operating cash flow $9.6M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 47.1% | 45.2% | +2.0 pts |
| Net margin | 38.8% | 37.0% | +1.8 pts |
| Free cash flow margin | 34.7% | 51.4% | -16.6 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $22.5M | $20.1M | $2.4M | +12% |
| Noninterest income | $5.0M | $4.5M | $503K | +11% |
| Revenue | $27.5M | $24.5M | $2.9M | +12% |
| Operating profit | $13.0M | $11.1M | $1.9M | +17% |
| Costs & expenses | $14.5M | $13.5M | $1.1M | +8% |
| Pre-tax earnings | $13.0M | $11.1M | $1.9M | +17% |
| Credit loss provision | $845K | $690K | $155K | +22% |
| Noninterest expense | $13.5M | $12.8M | $795K | +6% |
| Net earnings | $10.7M | $9.1M | $1.6M | +17% |
| Income tax | $2.3M | $2.0M | $283K | +14% |
| Depreciation & amortization | $528K | $561K | −$33K | -6% |
| Share-based compensation | $233K | $254K | −$21K | -8% |
| Working capital & other | $1.8M | −$3.0M | $4.8M | — |
| Operating cash flow | $9.6M | $12.9M | −$3.3M | -25% |
| Free cash flow (OCF − capex) | $9.5M | $12.6M | −$3.1M | -24% |
| Capital expenditures | $75K | $299K | −$224K | -75% |
Questions
How much did First Bancorp's revenue grow year over year in Q3 2026?
First Bancorp's revenue rose $2.9M (+12%) from $24.5M in Q3 2025 to $27.5M in Q3 2026.
What drove First Bancorp's revenue change in Q3 2026?
Net interest income +$2.4M (+12%); Noninterest income +$503K (+11%).