The First Bancorp, Inc. (FNLC) Earnings History
Steady Earner31 years of earnings data (1995–2025) · Positive but moderate multi-year EPS trajectory
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The First Bancorp, Inc. (FNLC) Earnings Overview
As of June 26, 2026, The First Bancorp, Inc. (FNLC) reported trailing twelve-month net income of $36M, reflecting +26.3% year-over-year growth. The company earned $3.23 per diluted share over the past four quarters, with a net profit margin of 19.4%.
Looking at the long-term picture, FNLC's 5-year EPS compound annual growth rate (CAGR) stands at +4.4%, reflecting modest earnings expansion. The company achieved its highest annual net income of $39M in fiscal 2022.
The First Bancorp, Inc. maintains industry-leading profitability with a gross margin of 52.3%, operating margin of 23.6%, and net margin of 19.4%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including NBTB ($184M net income, 19.5% margin), CNOB ($98M net income, 13.3% margin), FUNC ($25M net income, 20.6% margin), FNLC has room to improve margins relative to the peer group. Compare FNLC vs NBTB →
FNLC Earnings vs Peers
Earnings metrics vs comparable public companies
FNLC Historical Earnings Data (1995–2025)
31 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $34M | +27.2% | $42M | $3.07 | 19.4% | 23.6% |
| 2024 | $27M | -8.4% | $33M | $2.43 | 16.3% | 19.7% |
| 2023 | $30M | -24.3% | $36M | $2.66 | 20.6% | 24.9% |
| 2022 | $39M | +7.5% | $47M | $3.53 | 35.5% | 43.1% |
| 2021 | $36M | +33.7% | $44M | $3.30 | 37.6% | 45.5% |
| 2020 | $27M | +6.3% | $32M | $2.48 | 28.5% | 33.9% |
| 2019 | $26M | +8.5% | $30M | $2.34 | 27.5% | 32.6% |
| 2018 | $24M | +20.2% | $28M | $2.17 | 28.3% | 33.5% |
| 2017 | $20M | +8.8% | $26M | $1.81 | 26.7% | 35.7% |
| 2016 | $18M | +11.1% | $24M | $1.66 | 27.2% | 36.9% |
| 2015 | $16M | +10.2% | $22M | $1.51 | 25.7% | 34.5% |
| 2014 | $15M | +13.5% | $19M | $1.37 | 23.7% | 31.1% |
| 2013 | $13M | +2.2% | $16M | $1.20 | 20.9% | 26.4% |
| 2012 | $13M | +2.6% | $16M | $1.22 | 20.1% | 25.4% |
| 2011 | $12M | +2.0% | $16M | $1.14 | 18.3% | 24.0% |
| 2010 | $12M | -7.1% | $16M | $1.10 | 18.2% | 24.4% |
| 2009 | $13M | -7.1% | $18M | $1.22 | 17.3% | 23.4% |
| 2008 | $14M | +7.1% | $20M | $1.44 | 17.3% | 24.3% |
| 2007 | $13M | +6.6% | $18M | $1.34 | 16.0% | 22.4% |
| 2006 | $12M | -4.3% | $17M | $1.25 | 16.5% | 23.0% |
| 2005 | $13M | +50.9% | $18M | $1.30 | 21.6% | 30.1% |
| 2004 | $9M | +14.6% | $12M | $1.14 | 24.2% | 33.9% |
| 2003 | $7M | +14.1% | $10M | $1.01 | 22.7% | 31.8% |
| 2002 | $7M | +18.5% | $9M | $0.88 | 19.0% | 26.8% |
| 2001 | $5M | +19.2% | $8M | $0.75 | 16.2% | 22.7% |
| 2000 | $5M | +2.4% | $7M | $0.63 | 14.9% | 21.0% |
| 1999 | $5M | +12.5% | $6M | $0.59 | 17.1% | 24.3% |
| 1998 | $4M | +2.4% | $6M | $0.52 | 16.9% | 24.2% |
| 1997 | $4M | +14.1% | $6M | $0.52 | 34.9% | 50.7% |
| 1996 | $3M | +25.9% | $5M | $0.47 | 35.8% | 52.3% |
| 1995 | $3M | - | $4M | $0.37 | 30.7% | 45.0% |
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FNLC — Frequently Asked Questions
Quick answers to the most common questions about buying FNLC stock.
What is FNLC earnings per share (EPS)?
FNLC trailing twelve-month (TTM) diluted EPS is $3.23, reflecting +26.3% year-over-year growth. The 5-year EPS CAGR is +4.4%. Complete EPS history from 1995 to 2025 is available in the table on this page.
What is The First Bancorp, Inc.'s net income?
The First Bancorp, Inc. (FNLC) trailing twelve-month net income is $36M as of 2025. Earnings grew +26.3% year-over-year. The First Bancorp, Inc. has been profitable for 31 consecutive years.
Is FNLC profitable?
Yes, FNLC is profitable with a TTM net income of $36M and a net profit margin of +19.4%. The First Bancorp, Inc. has generated profits for 31 consecutive years.
What is FNLC's earnings growth rate?
FNLC compound annual EPS growth rates (CAGR): 1-Year: +26.3%, 3-Year: -4.5%, 5-Year: +4.4%, 10-Year: +7.4%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1995 to 2025.
What are FNLC's profit margins?
The First Bancorp, Inc. net profit margin is +19.4%, operating margin is +23.6%, and gross margin is +52.3%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +12.8%.
Is FNLC growing earnings?
Yes, FNLC earnings are accelerating — EPS growth of +26.3% exceeds the 5-year CAGR of +4.4%. TTM net income reached $36M. Earnings momentum is strengthening.
What was FNLC's best earnings year?
The First Bancorp, Inc.'s highest annual net income on record is $39M, achieved in fiscal year 2022. Earnings history on this page spans 1995 to 2025 and includes all annual and quarterly figures.
What were FNLC's earnings last quarter?
FNLC's most recent reported quarter was Q1 2026. Net income was $9M with diluted EPS of $0.80. For a full breakdown of all quarters, see the quarterly earnings table on this page.