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First BanCorp FBP Q3 2025 earnings

Reported October 23, 2025 · Before market open

Revenue$239.7MMiss by $15.9M
EPS$0.51Beat by $0.02
Revenue estimate$255.6M
EPS estimate$0.49

Next report

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

Financials

Q3 2025

Income statement

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Revenue$248.7M+6.0%
Net income$100.5M+36.3%
EPS (diluted)$0.63+40.0%

Balance sheet

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Cash & equivalents$899.6M+31.3%
Total debt$290.0M—
Total equity$1.9B+12.8%
Total assets$19.3B+2.5%

Cash flow

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Operating cash flow$137.6M+16.7%
CapEx$2.9M+13.1%
Free cash flow$134.8M+16.8%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$3.54B+2.0%
Enterprise value$2.93B—
P/E10.6×-0.9×
P/S3.6×-0.2×

Profitability

See full
Net margin33.9%+1.2pp
FCF margin43.6%+3.1pp

Returns & leverage

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Return on equity18.4%-1.7pp
Debt / equity0.2×—

Segments

By segment

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Consumer Retail Banking$170.2M+3.8%
Commercial And Corporate$46.0M+10.0%
United States Operations$23.5M+15.2%
Mortgage Banking$21.1M-3.5%
Virgin Islands Operations$18.9M+6.9%

FAQ

When did First BanCorp report Q3 2025 earnings?
First BanCorp (FBP) reported Q3 2025 earnings on October 23, 2025 before market open.
What were First BanCorp's Q3 2025 revenue and EPS?
First BanCorp reported revenue of $239.7M and eps of $0.51 for Q3 2025.
Did First BanCorp beat estimates in Q3 2025?
Revenue missed the consensus estimate of $255.6M by $15.9M. EPS beat the consensus estimate of $0.49 by $0.02.
How did First BanCorp's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 4.7% from $229.0M a year earlier and eps grew 13.3% from $0.45.
Where can I find First BanCorp's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001140361-25-039026) and the 10-Q periodic report (0001057706-25-000012) directly on SEC EDGAR. The filing index links above go to sec.gov.