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First BanCorp Earnings Calls
| Release date | Apr 22, 2026 |
| EPS estimate | $0.520 |
| EPS actual | $0.570 |
| EPS Surprise | 9.62% |
| Revenue estimate | 258.74M |
| Revenue actual | 258.641M |
| Revenue Surprise | -0.0383% |
| Release date | Jan 27, 2026 |
| EPS estimate | $0.520 |
| EPS actual | $0.550 |
| EPS Surprise | 5.77% |
| Revenue estimate | 257.074M |
| Revenue actual | 257.168M |
| Revenue Surprise | 0.0367% |
| Release date | Oct 23, 2025 |
| EPS estimate | $0.487 |
| EPS actual | $0.510 |
| EPS Surprise | 4.83% |
| Revenue estimate | 255.621M |
| Revenue actual | 239.709M |
| Revenue Surprise | -6.22% |
| Release date | Jul 22, 2025 |
| EPS estimate | $0.470 |
| EPS actual | $0.500 |
| EPS Surprise | 6.38% |
| Revenue estimate | 258.8M |
| Revenue actual | 30.95M |
| Revenue Surprise | -88.04% |
Last 4 Quarters for First BanCorp
Below you can see how FBP performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 22, 2025 |
| Price on release | $21.33 |
| EPS estimate | $0.470 |
| EPS actual | $0.500 |
| EPS surprise | 6.38% |
| Date | Price |
|---|---|
| Jul 16, 2025 | $21.67 |
| Jul 17, 2025 | $22.21 |
| Jul 18, 2025 | $22.08 |
| Jul 21, 2025 | $21.86 |
| Jul 22, 2025 | $21.33 |
| Jul 23, 2025 | $21.29 |
| Jul 24, 2025 | $20.97 |
| Jul 25, 2025 | $21.13 |
| Jul 28, 2025 | $21.31 |
| 4 days before | -1.57% |
| 4 days after | -0.0938% |
| On release day | -0.188% |
| Change in period | -1.66% |
| Release date | Oct 23, 2025 |
| Price on release | $19.98 |
| EPS estimate | $0.487 |
| EPS actual | $0.510 |
| EPS surprise | 4.83% |
| Date | Price |
|---|---|
| Oct 17, 2025 | $20.58 |
| Oct 20, 2025 | $21.15 |
| Oct 21, 2025 | $21.09 |
| Oct 22, 2025 | $20.52 |
| Oct 23, 2025 | $19.98 |
| Oct 24, 2025 | $20.35 |
| Oct 27, 2025 | $19.81 |
| Oct 28, 2025 | $19.71 |
| Oct 29, 2025 | $19.25 |
| 4 days before | -2.92% |
| 4 days after | -3.65% |
| On release day | 1.85% |
| Change in period | -6.46% |
| Release date | Jan 27, 2026 |
| Price on release | $21.98 |
| EPS estimate | $0.520 |
| EPS actual | $0.550 |
| EPS surprise | 5.77% |
| Date | Price |
|---|---|
| Jan 21, 2026 | $22.08 |
| Jan 22, 2026 | $21.60 |
| Jan 23, 2026 | $20.65 |
| Jan 26, 2026 | $20.89 |
| Jan 27, 2026 | $21.98 |
| Jan 28, 2026 | $21.88 |
| Jan 29, 2026 | $22.14 |
| Jan 30, 2026 | $22.12 |
| Feb 02, 2026 | $22.49 |
| 4 days before | -0.453% |
| 4 days after | 2.32% |
| On release day | -0.455% |
| Change in period | 1.86% |
| Release date | Apr 22, 2026 |
| Price on release | $23.67 |
| EPS estimate | $0.520 |
| EPS actual | $0.570 |
| EPS surprise | 9.62% |
| Date | Price |
|---|---|
| Apr 16, 2026 | $22.74 |
| Apr 17, 2026 | $23.23 |
| Apr 20, 2026 | $23.53 |
| Apr 21, 2026 | $24.04 |
| Apr 22, 2026 | $23.67 |
| Apr 23, 2026 | $24.33 |
| Apr 24, 2026 | $23.41 |
| Apr 27, 2026 | $24.24 |
| Apr 28, 2026 | $24.18 |
| 4 days before | 4.09% |
| 4 days after | 2.15% |
| On release day | 2.79% |
| Change in period | 6.33% |
First BanCorp Earnings Call Transcript Summary of Q1 2026
First BanCorp reported a strong start to 2026 with net income of $89 million ($0.57 per share), up 21% year-over-year, and record pretax pre-provision income of $131 million. Key operating metrics: ROA of 1.9% (17th consecutive quarter above 1.5%), net interest margin expanded to 4.75%, core deposits grew (excluding brokered/public funds), total loans were slightly down due to seasonal/consumer-payoff trends, and loan originations were up year-over-year with sustained commercial pipelines (supporting prior 3%–5% loan growth guidance). Credit trends improved: nonperforming assets hit record lows, early-stage delinquencies fell 24% quarter-over-quarter, and the allowance for credit losses ended at $245 million (1.87% of loans) with a modest qualitative reserve added for geopolitical uncertainty. Capital deployment remained shareholder-friendly: roughly 92% net payout via dividends and $50 million of buybacks in the quarter, with CET1 at 16.9% and tangible common equity expanding. Management reiterated expense and NIM guidance (expecting ~2–3 bps NIM expansion per quarter under current assumptions), ongoing investments in technology and AI (cloud migration and vendor-driven AI use cases), and opportunistic M&A appetite while prioritizing returns and organic growth.
