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First BanCorp FBP Q1 2025 earnings

Reported April 24, 2025 · Before market open

Revenue$244.1MBeat by $1.3M
EPS$0.47Beat by $0.04
Revenue estimate$242.8M
EPS estimate$0.43

Next report

Oct 22, 2026 (in 2 months)
Revenue estimate$274.0M
EPS estimate$0.58

Financials

Q1 2025

Income statement

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Revenue$248.1M+7.6%
Net income$77.1M+4.9%
EPS (diluted)$0.47+6.8%

Balance sheet

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Cash & equivalents$1.3B+94.0%
Total debt$331.1M—
Total equity$1.8B+20.2%
Total assets$19.1B+1.1%

Cash flow

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Operating cash flow$108.2M-8.5%
CapEx$1.5M-64.1%
Free cash flow$106.7M-6.5%

Valuation & ratios

Valuation

as of 03/31/25
See full
Market cap$3.14B+7.0%
Enterprise value$2.14B—
P/E10.4×+0.8×
P/S3.3×+0.1×

Profitability

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Net margin31.6%-1.3pp
FCF margin40.5%+3.7pp

Returns & leverage

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Return on equity18.6%-2.6pp
Debt / equity0.2×—

Segments

By segment

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Consumer Retail Banking$169.2M+6.5%
Commercial And Corporate$45.1M+14.9%
United States Operations$21.6M+14.6%
Mortgage Banking$21.2M-0.5%
Virgin Islands Operations$18.6M+10.2%

By geography

See full
PR$263.2M—
US$40.3M—
VI$10.2M—

FAQ

When did First BanCorp report Q1 2025 earnings?
First BanCorp (FBP) reported Q1 2025 earnings on April 24, 2025 before market open.
What were First BanCorp's Q1 2025 revenue and EPS?
First BanCorp reported revenue of $244.1M and eps of $0.47 for Q1 2025.
Did First BanCorp beat estimates in Q1 2025?
Revenue beat the consensus estimate of $242.8M by $1.3M. EPS beat the consensus estimate of $0.43 by $0.04.
Where can I find First BanCorp's Q1 2025 SEC filings?
You can read the 8-K earnings release (0001140361-25-015326) and the 10-Q periodic report (0001057706-25-000005) directly on SEC EDGAR. The filing index links above go to sec.gov.