FNLC First Bancorp, Inc /ME/

MIXED Impact: 6/10 8-K
Horizon immediate Filed Apr 22, 2026 Processed 1mo ago SEC 0000765207-26-000074
8-K Item 2.02: Earnings release
Latest settled — T+20d
FNLC ▼ -1.41% at T+20d
NEUTRAL call ✗ call lost -1.41% · α vs SPY -6.04% · entry $29.10 → $28.69
Next anchor: T+60d in 8w
Last close $28.58 (close May 22) · -1.79% from $29.10 entry
Entry anchored
Apr 22, 03:57 PM ET
via Databento tick
T+1d
-0.17%
call -0.17% · α -0.96%
$29.05
settled 4w ago
T+5d
-2.34%
call -2.34% · α -3.81%
$28.42
settled 25d ago
T+20d
-1.41%
call -1.41% · α -6.04%
$28.69
settled 4d ago
T+60d
—
call — · α —
—
in 8w

Price Chart

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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.

Actionable Insight

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.

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

net incomeepsnet interest marginefficiency ratiotangible book value

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

Exchange
Nasdaq
Sector
National Commercial Banks

Documents Analyzed

This report is based on 6 SEC documents filed with EDGAR.

DocumentAccession Number
8-K Filing (Primary)0000765207-26-000074
Document: fnlc-20260422.htm0000765207-26-000074
Document: 0000765207-26-000074-index-headers.html0000765207-26-000074
Document: 0000765207-26-000074-index.html0000765207-26-000074
Document: 0000765207-26-000074.txt0000765207-26-000074
8-K Data (Synthetic)0000765207-26-000074
2 reports for FNLC
Performance horizon
Filters
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Reports for FNLC — sortable, filterable
Type Now
May 1, 2026
22d ago
8-K
NEUTRAL ★ 2/10
$28.89 $29.15▲ +0.90%▼ −1.45%$28.58 (−1.07%)
Apr 22, 2026
4w ago
8-K
MIXED ★ 6/10
$29.10 $28.42▼ −2.34%▼ −3.81%$28.58 (−1.79%)
Showing 2 of 2

US Market Status

Market Closed — Opens Tue (35h 13m)

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