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First Bancorp Puerto Rico (FBP)
NYSE:FBP
US Market
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First Bancorp Puerto Rico (FBP) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Oct 28, 2025
Before Open (Confirmed)
Period Ending
2025 (Q3)
Consensus EPS Forecast
0.49
Last Year’s EPS
0.45
Same Quarter Last Year
Based on 4 Analysts Ratings

Earnings Call Summary

Q2 2025
Earnings Call Date:Jul 22, 2025|
% Change Since: -1.69%|
Earnings Call Sentiment|Positive
The earnings call presents a positive outlook overall with strong financial performance, growth in loan production, and stable asset quality. However, there were challenges with deposit reductions and a decline in other income. The company continues to invest in technology and maintain a strong capital deployment strategy.
Company Guidance -
Q3 2025
During the First BanCorp 2Q 2025 financial results call, the company provided guidance on several key metrics. The net income for the quarter was reported at $80 million, translating to a return on assets of 1.69%. The net interest margin expanded to 4.56%, with net interest income increasing to $215.9 million. The company also achieved a top quartile efficiency ratio of 50%, maintaining its target range of 50% to 52%. Loan growth was robust, with total loans increasing by 6% linked quarter annualized, driven by strong commercial loan production in Puerto Rico and Florida. In terms of deposits, there was a noted reduction due to fluctuations in large commercial accounts, although retail deposits remained stable. The company reiterated its mid-single-digit loan growth guidance for the full year, supported by strong commercial credit demand. Asset quality was stable, with nonperforming assets at 68 basis points of total assets and net charge-offs decreasing. The effective tax rate for the full year is expected to be around 23%. The company plans to continue its capital deployment strategy, aiming to deploy 100% of earnings to shareholders through dividends and buybacks, with $100 million left in its 2024 buyback authorization.
Strong Net Income and Return on Assets
First BanCorp reported a net income of $80 million, translating into a strong return on assets of 1.69%, driven by record net interest income, solid loan production, and well-managed expense growth.
Growth in Loan Production
Total loans grew by 6% linked quarter annualized, driven by strong commercial loan production in Puerto Rico and Florida. The commercial lending pipeline remains strong as the company enters the second half of the year.
Stable Asset Quality and Improved Charge-offs
Nonperforming assets remained flat at 68 basis points of total assets, and net charge-offs decreased during the quarter. The consumer credit policy calibration from prior years is benefiting current metrics.
Capital Deployment Strategy
First BanCorp has deployed over 107% of earnings in dividends, buybacks, and relation of TruPS, aligning with their strategy to benefit long-term shareholder interests.
Investment in Technology and Digital Growth
The company achieved an 8% annual rise in digital active customers over the past 5 years, supporting its omnichannel strategy and efficiency ratio goals.

First Bancorp Puerto Rico (FBP) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

FBP Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Oct 28, 2025
2025 (Q3)
0.49 / -
0.45
Jul 22, 2025
2025 (Q2)
0.46 / 0.50
0.468.70% (+0.04)
Apr 24, 2025
2025 (Q1)
0.43 / 0.47
0.446.82% (+0.03)
Jan 23, 2025
2024 (Q4)
0.41 / 0.46
0.460.00% (0.00)
Oct 23, 2024
2024 (Q3)
0.41 / 0.45
0.46-2.17% (-0.01)
Jul 23, 2024
2024 (Q2)
0.41 / 0.46
0.3917.95% (+0.07)
Apr 23, 2024
2024 (Q1)
0.37 / 0.44
0.3912.82% (+0.05)
Jan 24, 2024
2023 (Q4)
0.35 / 0.46
0.415.00% (+0.06)
Oct 20, 2023
2023 (Q3)
0.38 / 0.46
0.415.00% (+0.06)
Jul 27, 2023
2023 (Q2)
0.35 / 0.39
0.382.63% (+0.01)
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed

FBP Earnings-Related Price Changes

Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Jul 22, 2025
$21.86$21.33-2.42%
Apr 24, 2025
$19.39$19.40+0.05%
Jan 23, 2025
$19.24$20.36+5.82%
Oct 23, 2024
$19.88$18.81-5.38%
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does First Bancorp Puerto Rico (FBP) report earnings?
First Bancorp Puerto Rico (FBP) is schdueled to report earning on Oct 28, 2025, Before Open (Confirmed).
    What is First Bancorp Puerto Rico (FBP) earnings time?
    First Bancorp Puerto Rico (FBP) earnings time is at Oct 28, 2025, Before Open (Confirmed).
      Where can I see when companies are reporting earnings?
      You can see which companies are reporting today on our designated earnings calendar.
        What companies are reporting earnings today?
        You can see a list of the companies which are reporting today on TipRanks earnings calendar.
          What is FBP EPS forecast?
          FBP EPS forecast for the fiscal quarter 2025 (Q3) is 0.49.
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