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Dec 31, 2025
First BanCorp Q4 2025 Earnings Report
First BanCorp reported solid fourth-quarter results with higher net income and stable margins.
Key Takeaways
First BanCorp delivered improved profitability in Q4 2025, with increased net interest income and strong loan growth, despite higher non-interest expenses.
Net income for Q4 2025 rose to $87.1 million compared to $75.7 million a year ago.
EPS increased to $0.55 per diluted share, up from $0.46 in Q4 2024.
Net interest margin increased to 4.68%.
Non-interest income grew to $34.4 million, driven by card and mortgage banking activity.
Revenue by Segment
Forward Guidance
First BanCorp expects continued growth in core lending and stable margins, supported by strong liquidity and capital levels.
Positive Outlook
- Loan growth expected across commercial and mortgage segments.
- Net interest income likely to remain strong amid balance sheet optimization.
- Strong capital position supports dividend and buyback programs.
- Operating leverage maintained with disciplined expense management.
- Improved liquidity position enhances funding flexibility.
Challenges Ahead
- Rising marketing and tech investment may pressure non-interest expenses.
- Potential normalization of credit metrics could increase provision costs.
- Deposit cost pressures remain amid competitive market.
- Geopolitical and macroeconomic uncertainty may affect loan demand.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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