First BanCorp Reports Record Q4 2025 Earnings with Strong Guidance
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 27 2026
0mins
Should l Buy FBP?
Source: seekingalpha
- Strong Performance: First BanCorp reported a net income of $87 million for Q4 2025, translating to $0.55 per share and an impressive return on assets of 1.8%, highlighting significant improvements in revenue and operational efficiency that further solidify its market position.
- Loan Growth: The bank originated $1.4 billion in loans during the quarter, with total loans increasing by $80 million, primarily driven by growth in commercial segments, which not only enhances client support capabilities but also lays a foundation for future revenue growth.
- Dividend Increase: The Board approved an 11% increase in the quarterly common stock dividend to $0.20 per share, reflecting a robust capital return strategy, with over 28% of outstanding shares repurchased since the buyback program began in 2021, demonstrating a strong commitment to shareholders.
- Outlook Guidance: Management anticipates organic loan growth of 3% to 5% in 2026 while maintaining a 52% or better efficiency ratio, indicating a focus on sustaining asset quality while continuing to prioritize profitability and shareholder returns.
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Analyst Views on FBP
Wall Street analysts forecast FBP stock price to rise
3 Analyst Rating
1 Buy
2 Hold
0 Sell
Moderate Buy
Current: 20.850
Low
24.00
Averages
24.25
High
24.50
Current: 20.850
Low
24.00
Averages
24.25
High
24.50
About FBP
First BanCorp. is a financial holding company. As of December 31, 2016, the Company controlled two subsidiaries: FirstBank Puerto Rico (the Bank or FirstBank) and FirstBank Insurance Agency, Inc. (FirstBank Insurance Agency). It operates in six segments: Commercial and Corporate Banking, which consists of lending and other services; Consumer (Retail) Banking, which consists of consumer lending and deposit-taking activities; Mortgage Banking, which consists of the origination, sale, and servicing of a range of residential mortgage loan products and related hedging activities; Treasury and Investments, which consists of treasury and investment management functions; United States Operations, which consists of all banking activities conducted by FirstBank on the United States mainland, and Virgin Islands Operations, which consists of banking activities conducted by FirstBank in the United States Virgin Islands and British Virgin Islands, including retail and commercial banking services.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
FBP Stock Price Fluctuation and Trends
- Price Range Analysis: FBP's 52-week low is $16.40 per share, while the high is $23.43, with the last trade at $21.32, indicating significant price fluctuations that reflect market caution regarding its future performance.
- Technical Indicator Observation: FBP's stock price has crossed above the 200-day moving average, suggesting a potential upward trend in the short term, which may attract investor interest and enhance market liquidity.
- Market Sentiment Assessment: Although the current stock price is near the 52-week high, market opinions on FBP remain divided, necessitating close attention to upcoming financial reports to evaluate its growth potential.
- Investor Focus: The volatility in FBP's stock price may impact its dividend payment capacity, prompting investors to closely monitor the company's future profitability and cash flow to ensure dividend sustainability.
See More
First BanCorp to Report Q1 2026 Financial Results on April 22
- Earnings Release Announcement: First BanCorp has announced that it will report its financial results for the first quarter ended March 31, 2026, before the market opens on April 22, 2026, demonstrating the company's commitment to transparency and timely information disclosure.
- Conference Call Details: The company will hold a conference call and live webcast at 10:00 AM Eastern Time on the same day to discuss the financial results in depth with investors and analysts, enhancing market engagement.
- Participation Access: Investors are encouraged to visit the company's investor relations website at least 15 minutes prior to the call to ensure smooth participation, with dial-in numbers and access codes provided for convenience across different channels.
- Replay Services: A telephone replay will be available until May 22, 2026, and a replay of the webcast will be archived until April 22, 2027, ensuring that investors who cannot participate live can still access critical information.
See More
First BanCorp CFO Orlando Berges Retires; Successor Appointed
- Executive Retirement: First BanCorp. announced the retirement of CFO Orlando Berges effective June 30, which may impact the company's financial strategy and investor confidence moving forward.
- Succession Plan: The appointment of Senior Vice President and Chief Accounting Officer Ortiz as the new CFO effective July 1 indicates stability in executive succession planning within the company.
- Financial Performance: In its Q4 2025 earnings report, First BanCorp. reported a GAAP EPS of $0.55, beating expectations by $0.04, with revenue of $257.17 million in line with market forecasts, demonstrating resilience in the current economic environment.
- Future Strategy: The company outlines a strategy for 2026 targeting 3-5% organic loan growth and a 100% earnings return, reflecting confidence in future growth and a positive market outlook.
See More
First BanCorp CFO Orlando Berges to Retire in 2026 After 17 Years
- Executive Retirement Announcement: First BanCorp has announced that CFO Orlando Berges will retire on June 30, 2026, after nearly 17 years of distinguished service, during which he played a central role in the corporation's transformation and long-term strengthening.
- Successor Appointment: The company also announced that current Senior Vice President and Chief Accounting Officer Said Ortiz will take over as CFO effective July 1, 2026; Ortiz joined the corporation in 2013 and brings over 19 years of experience in accounting, auditing, and financial management.
- Seamless Transition Plan: Berges and Ortiz will work closely over the coming months to ensure a smooth transition, reflecting the company's commitment to leadership stability.
- Leadership Succession: This executive change not only recognizes internal talent but also lays the groundwork for future financial management and strategic development, ensuring the company remains competitive in an evolving market environment.
See More
FIRST BANCORP ANNOUNCES ORLANDO BERGES' RETIREMENT EFFECTIVE JUNE 30, 2026
First Bancorp Announcement: First Bancorp has announced that Orlando Berges will retire from his position, effective June 30, 2026.
Leadership Transition: The retirement of Berges marks a significant leadership transition for the company, indicating a potential shift in strategic direction.
See More
First BanCorp Reports Record Q4 2025 Earnings with Strong Guidance
- Strong Performance: First BanCorp reported a net income of $87 million for Q4 2025, translating to $0.55 per share and an impressive return on assets of 1.8%, highlighting significant improvements in revenue and operational efficiency that further solidify its market position.
- Loan Growth: The bank originated $1.4 billion in loans during the quarter, with total loans increasing by $80 million, primarily driven by growth in commercial segments, which not only enhances client support capabilities but also lays a foundation for future revenue growth.
- Dividend Increase: The Board approved an 11% increase in the quarterly common stock dividend to $0.20 per share, reflecting a robust capital return strategy, with over 28% of outstanding shares repurchased since the buyback program began in 2021, demonstrating a strong commitment to shareholders.
- Outlook Guidance: Management anticipates organic loan growth of 3% to 5% in 2026 while maintaining a 52% or better efficiency ratio, indicating a focus on sustaining asset quality while continuing to prioritize profitability and shareholder returns.
See More
FBP Stock Price Fluctuation and Trends
- Price Range Analysis: FBP's 52-week low is $16.40 per share, while the high is $23.43, with the last trade at $21.32, indicating significant price fluctuations that reflect market caution regarding its future performance.
- Technical Indicator Observation: FBP's stock price has crossed above the 200-day moving average, suggesting a potential upward trend in the short term, which may attract investor interest and enhance market liquidity.
- Market Sentiment Assessment: Although the current stock price is near the 52-week high, market opinions on FBP remain divided, necessitating close attention to upcoming financial reports to evaluate its growth potential.
- Investor Focus: The volatility in FBP's stock price may impact its dividend payment capacity, prompting investors to closely monitor the company's future profitability and cash flow to ensure dividend sustainability.
See More
First BanCorp to Report Q1 2026 Financial Results on April 22
- Earnings Release Announcement: First BanCorp has announced that it will report its financial results for the first quarter ended March 31, 2026, before the market opens on April 22, 2026, demonstrating the company's commitment to transparency and timely information disclosure.
- Conference Call Details: The company will hold a conference call and live webcast at 10:00 AM Eastern Time on the same day to discuss the financial results in depth with investors and analysts, enhancing market engagement.
- Participation Access: Investors are encouraged to visit the company's investor relations website at least 15 minutes prior to the call to ensure smooth participation, with dial-in numbers and access codes provided for convenience across different channels.
- Replay Services: A telephone replay will be available until May 22, 2026, and a replay of the webcast will be archived until April 22, 2027, ensuring that investors who cannot participate live can still access critical information.
See More
First BanCorp CFO Orlando Berges Retires; Successor Appointed
- Executive Retirement: First BanCorp. announced the retirement of CFO Orlando Berges effective June 30, which may impact the company's financial strategy and investor confidence moving forward.
- Succession Plan: The appointment of Senior Vice President and Chief Accounting Officer Ortiz as the new CFO effective July 1 indicates stability in executive succession planning within the company.
- Financial Performance: In its Q4 2025 earnings report, First BanCorp. reported a GAAP EPS of $0.55, beating expectations by $0.04, with revenue of $257.17 million in line with market forecasts, demonstrating resilience in the current economic environment.
- Future Strategy: The company outlines a strategy for 2026 targeting 3-5% organic loan growth and a 100% earnings return, reflecting confidence in future growth and a positive market outlook.
See More
First BanCorp CFO Orlando Berges to Retire in 2026 After 17 Years
- Executive Retirement Announcement: First BanCorp has announced that CFO Orlando Berges will retire on June 30, 2026, after nearly 17 years of distinguished service, during which he played a central role in the corporation's transformation and long-term strengthening.
- Successor Appointment: The company also announced that current Senior Vice President and Chief Accounting Officer Said Ortiz will take over as CFO effective July 1, 2026; Ortiz joined the corporation in 2013 and brings over 19 years of experience in accounting, auditing, and financial management.
- Seamless Transition Plan: Berges and Ortiz will work closely over the coming months to ensure a smooth transition, reflecting the company's commitment to leadership stability.
- Leadership Succession: This executive change not only recognizes internal talent but also lays the groundwork for future financial management and strategic development, ensuring the company remains competitive in an evolving market environment.
See More
FIRST BANCORP ANNOUNCES ORLANDO BERGES' RETIREMENT EFFECTIVE JUNE 30, 2026
First Bancorp Announcement: First Bancorp has announced that Orlando Berges will retire from his position, effective June 30, 2026.
Leadership Transition: The retirement of Berges marks a significant leadership transition for the company, indicating a potential shift in strategic direction.
See More
First BanCorp Reports Record Q4 2025 Earnings with Strong Guidance
- Strong Performance: First BanCorp reported a net income of $87 million for Q4 2025, translating to $0.55 per share and an impressive return on assets of 1.8%, highlighting significant improvements in revenue and operational efficiency that further solidify its market position.
- Loan Growth: The bank originated $1.4 billion in loans during the quarter, with total loans increasing by $80 million, primarily driven by growth in commercial segments, which not only enhances client support capabilities but also lays a foundation for future revenue growth.
- Dividend Increase: The Board approved an 11% increase in the quarterly common stock dividend to $0.20 per share, reflecting a robust capital return strategy, with over 28% of outstanding shares repurchased since the buyback program began in 2021, demonstrating a strong commitment to shareholders.
- Outlook Guidance: Management anticipates organic loan growth of 3% to 5% in 2026 while maintaining a 52% or better efficiency ratio, indicating a focus on sustaining asset quality while continuing to prioritize profitability and shareholder returns.
See More
