Filing Flows › First Bancorp (FNLC) › Q3 2026
First Bancorp (FNLC) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 5, 2026
First Bancorp (FNLC) reported revenue of $27.5M for the third quarter 2026 (Q3 2026), +12% from a year earlier and +6% from the quarter before. Operating margin was 47.1%, net earnings $10.7M (38.8% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $27.5M | +6% | +12% |
| Operating profit | $13.0M | +13% | +17% |
| Net earnings | $10.7M | +12% | +17% |
| Operating cash flow | $9.6M | — | -25% |
| Free cash flow | $9.5M | — | -24% |
What changed
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.
Questions
What was First Bancorp's revenue in the third quarter 2026?
First Bancorp (FNLC) reported revenue of $27.5M for the third quarter 2026 (Q3 2026), +12% from a year earlier and +6% from the quarter before.
Was First Bancorp profitable in the third quarter 2026?
Operating profit was $13.0M (47.1% of revenue) and net earnings $10.7M.
Source: First Bancorp 10-Q on SEC EDGAR.