First Bancorp(FBNC)Earnings, Financials & Key RatiosFirst Bancorp (FBNC) stock price & volume — 10-year historical chart
Investment Thesis • Updated 2026Q1
while the bank shows consistent NII growth of 15.3% year-over-year, the current 23.71 P/E TTM and thin 0.8% NIM suggest that valuation may be stretched relative to the bank's structural profitability constraints.
First Bancorp (FBNC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
First Bancorp (FBNC) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $1.13vs $1.09+3.7% | $122Mvs $123M-0.7% |
| Q1 2026 | Jan 21, 2026 | $1.19vs $1.03+15.5% | $84Mvs $122M-31.5% |
| Q4 2025 | Oct 22, 2025 | $1.01vs $0.85+19.1% | $128Mvs $114M+12.5% |
| Q3 2025 | Jul 23, 2025 | $0.93vs $0.88+5.7% | $109Mvs $113M-3.6% |
Recent stock market news and headlines for First Bancorp (FBNC)
First BanCorp is rated Buy for its superior profitability and efficiency despite Puerto Rico's challenging economic environment. FBP outperforms peers in ROA, efficiency ratio, and asset quality, with non-performing loans at 0.67% and high loan loss reserves. Capital returns are robust, with 97% of Q1 2026 earnings returned via dividends and buybacks, though earnings growth remains subdued.
Key metrics vs top competitors for First Bancorp (FBNC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $63.64 | $2.63B | 23.75 | 2.32% | 20.45% | 7.16% | 1.42% | |
| $22.77 | $3.3B | -7.72 | -56.66% | -63.53% | -10.51% | — | |
| $28.74 | $5.79B | 11.93 | -5.35% | 34.84% | 11.29% | — | |
| $34.75 | $4.98B | 19.63 | 11.71% | 31.14% | 14.2% | — | |
| $46.49 | $6.41B | 14.22 | 12.33% | 36.72% | 9.27% | — | |
| $50.16 | $2.61B | 15.06 | 10.36% | 19.66% | 9.83% | — |
First Bancorp (FBNC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
First Bancorp (FBNC) SEC filings — annual & quarterly reports (10-K, 10-Q)
Jun 12, 2026·SEC
Apr 29, 2026·SEC
Apr 28, 2026·SEC
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First Bancorp (FBNC) stock FAQ — growth, dividends, profitability & financials explained
First Bancorp (FBNC) grew revenue by 2.3% over the past year. Growth has been modest.
Yes, First Bancorp (FBNC) is profitable, generating $121.3M in net income for fiscal year 2025 (20.4% net margin).
Yes, First Bancorp (FBNC) pays a dividend with a yield of 1.42%. This makes it attractive for income-focused investors.
First Bancorp (FBNC) has a return on equity (ROE) of 7.2%. This is below average, suggesting room for improvement.
First Bancorp (FBNC) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
First Bancorp (FBNC) has an efficiency ratio of 43.6%. This is excellent, indicating strong cost control.
