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First BanCorp FBP Q4 2025 Annual earnings

Reported January 27, 2026 · Before market open

Revenue$257.2MIn line
EPS$0.55Beat by $0.03
Revenue estimate$257.1M
EPS estimate$0.52

Next report

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

Financials

Q4 2025

Income statement

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Revenue$257.2M+6.5%
Net income$87.1M+15.1%
EPS (diluted)$0.56+21.7%

Balance sheet

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Cash & equivalents$658.6M-43.2%
Total debt$364.4M-41.9%
Total equity$2.0B+17.8%
Total assets$19.1B-0.8%

Cash flow

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Operating cash flow$107.3M+10.8%
CapEx$4.1M+152%
Free cash flow$103.2M+8.4%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$3.27B+7.5%
Enterprise value$2.98B+18.5%
P/E9.5×-0.7×
P/S3.3×0.0×

Profitability

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Net margin34.5%+2.6pp
FCF margin43.7%+1.7pp

Returns & leverage

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Return on equity19%+0.1pp
Debt / equity0.2×-0.2×

Segments

By segment

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Consumer Retail Banking$171.5M+3.8%
Commercial And Corporate$46.9M+8.2%
United States Operations$24.4M+8.8%
Mortgage Banking$22.4M+6.4%
Virgin Islands Operations$18.6M+1.2%

FAQ

When did First BanCorp report Q4 2025 earnings?
First BanCorp (FBP) reported Q4 2025 earnings on January 27, 2026 before market open.
What were First BanCorp's Q4 2025 revenue and EPS?
First BanCorp reported revenue of $257.2M and eps of $0.55 for Q4 2025.
Did First BanCorp beat estimates in Q4 2025?
Revenue beat the consensus estimate of $257.1M by $94.3K. EPS beat the consensus estimate of $0.52 by $0.03.
How did First BanCorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 16.2% from $221.3M a year earlier and eps grew 19.6% from $0.46.
Where can I find First BanCorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001057706-26-000005) and the 10-K periodic report (0001057706-26-000007) directly on SEC EDGAR. The filing index links above go to sec.gov.