Back to Sectors

FNLC

First Bancorp, Inc /ME/
7 filings tracked
financialsasset managementSMALL ($300M-2B)

Signal Magnitude Chart

BULLISH | 80% | 5/8/2026 | earnings beatBULLISH | 90% | 5/8/2026 | margin expansionBEARISH | 60% | 5/8/2026 | regulatory actionBULLISH | 80% | 5/8/2026 | earnings beatBULLISH | 90% | 5/8/2026 | margin expansionBEARISH | 60% | 5/8/2026 | regulatory actionBULLISH | 80% | 5/8/2026 | earnings beatBULLISH | 90% | 5/8/2026 | margin expansionBEARISH | 60% | 5/8/2026 | regulatory actionBULLISH | 80% | 5/8/2026 | earnings beatBULLISH | 90% | 5/8/2026 | margin expansionBEARISH | 60% | 5/8/2026 | regulatory actionBULLISH | 80% | 5/8/2026 | earnings beatBULLISH | 90% | 5/8/2026 | margin expansionBEARISH | 60% | 5/8/2026 | regulatory actionBULLISH | 80% | 5/8/2026 | earnings beatBULLISH | 90% | 5/8/2026 | margin expansionBEARISH | 60% | 5/8/2026 | regulatory actionBULLISH | 80% | 5/8/2026 | earnings beatBULLISH | 90% | 5/8/2026 | margin expansionBEARISH | 60% | 5/8/2026 | regulatory actionMay 26May 26HIGHLOW
bullish
bearish
neutral

Signal Timeline

bullishMay 8

Net income grew 27.1% year-over-year to $9.0 million.

earnings beat
80%
bullishMay 8

Tax-equivalent net interest margin expanded to 2.86% from 2.48%.

margin expansion
90%
bearishMay 8

Non-performing assets surged to 0.51% of total assets from 0.19%.

regulatory action
60%
bullishMay 8

Net income grew 27.1% year-over-year to $9.0 million.

earnings beat
80%
bullishMay 8

Tax-equivalent net interest margin expanded to 2.86% from 2.48%.

margin expansion
90%
bearishMay 8

Non-performing assets surged to 0.51% of total assets from 0.19%.

regulatory action
60%
bullishMay 8

Net income grew 27.1% year-over-year to $9.0 million.

earnings beat
80%
bullishMay 8

Tax-equivalent net interest margin expanded to 2.86% from 2.48%.

margin expansion
90%
bearishMay 8

Non-performing assets surged to 0.51% of total assets from 0.19%.

regulatory action
60%
bullishMay 8

Net income grew 27.1% year-over-year to $9.0 million.

earnings beat
80%
bullishMay 8

Tax-equivalent net interest margin expanded to 2.86% from 2.48%.

margin expansion
90%
bearishMay 8

Non-performing assets surged to 0.51% of total assets from 0.19%.

regulatory action
60%
bullishMay 8

Net income grew 27.1% year-over-year to $9.0 million.

earnings beat
80%
bullishMay 8

Tax-equivalent net interest margin expanded to 2.86% from 2.48%.

margin expansion
90%
bearishMay 8

Non-performing assets surged to 0.51% of total assets from 0.19%.

regulatory action
60%
bullishMay 8

Net income grew 27.1% year-over-year to $9.0 million.

earnings beat
80%
bullishMay 8

Tax-equivalent net interest margin expanded to 2.86% from 2.48%.

margin expansion
90%
bearishMay 8

Non-performing assets surged to 0.51% of total assets from 0.19%.

regulatory action
60%
bullishMay 8

Net income grew 27.1% year-over-year to $9.0 million.

earnings beat
80%
bullishMay 8

Tax-equivalent net interest margin expanded to 2.86% from 2.48%.

margin expansion
90%
bearishMay 8

Non-performing assets surged to 0.51% of total assets from 0.19%.

regulatory action
60%

Filing History

10-QMay 8, 2026

The first quarter filing for The First Bancorp presents a dichotomy between immediate profitability and long-term asset quality. On one hand, the bank is successfully extracting higher margins from its assets and maintaining an exceptionally lean cost structure. The earnings acceleration is tangible, and the capital position remains well above regulatory requirements, suggesting a high-quality compounding machine in a stable environment. However, the rapid rise in non-performing assets and the ballooning unrealized losses in the securities portfolio create a fragile foundation. The trade-off for investors is now a balance between the current high-double-digit earnings growth and the risk of a credit cycle turning against a concentrated real estate portfolio. The overall impact of the filing is a signal of operational excellence overshadowed by a creeping increase in systemic risk.