The stock may react positively to the strong YoY growth and margin expansion, but traders should note the significant sequential decline from Q4 2025's $10.2 million profit and monitor the sustainability of margin growth.
Price Chart
Executive Summary
First Bancorp (FNLC) reported Q1 2026 earnings of $9.0 million ($0.80 diluted EPS), up 27.1% year-over-year, driven by net interest margin expansion and improved efficiency. This represents a sequential decline from Q4 2025's $10.2 million profit.
Key Financial Metrics
Key Facts
- Q1 2026 Net Income: $9.0 million ($0.80 diluted EPS), up 27.1% YoY from $7.1 million ($0.63)
- Q4 2025 Net Income was $10.2 million ($0.91), making Q1 a sequential decline of 11.6%
- Net Interest Margin improved to 2.86%, up 38 basis points YoY and 3 basis points sequentially
- Efficiency Ratio improved to 52.64% from 56.93% YoY, but worsened from 49.33% in Q4 2025
- Tangible Book Value per share rose to $22.71, up 11.1% YoY
Financial Impact
Net income of $9.0 million, up $1.9 million from Q1 2025, but down $1.2 million from Q4 2025
Risk Factors
- Sequential decline in net income from Q4 2025 ($10.2M) to Q1 2026 ($9.0M)
- Increase in non-performing loans ratio to 0.67% from 0.54% in Q4 2025
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000765207-26-000074 |
| Document: fnlc-20260422.htm | 0000765207-26-000074 |
| Document: 0000765207-26-000074-index-headers.html | 0000765207-26-000074 |
| Document: 0000765207-26-000074-index.html | 0000765207-26-000074 |
| Document: 0000765207-26-000074.txt | 0000765207-26-000074 |
| 8-K Data (Synthetic) | 0000765207-26-000074 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 21, 2026 5d ago | 8-K | $36.17 $36.36 | ▲ +0.53% | ▲ +1.05% | $36.70 (+1.47%) |
Sep 24, 2026 4w ago | 8-K | $34.35 $34.30 | ▼ −0.15% | ▲ +0.60% | $36.70 (+6.84%) |
Jun 25, 2026 17w ago | 8-K | $35.51 $34.93 | ▼ −1.63% | ▼ −3.28% | $36.70 (+3.35%) |
May 1, 2026 25w ago | 8-K | $28.89 $28.41 | ▼ −1.66% | ▼ −1.32% | $36.70 (+27.03%) |
Apr 22, 2026 26w ago | 8-K | $29.10 $29.05 | ▼ −0.17% | ▼ −0.96% | $36.70 (+26.12%) |
US Market Status
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