First BanCorp. (FBP) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 220.96M | 222.77M | 217.92M | 215.86M | 212.4M | 209.27M | 202.06M | 199.63M | 196.52M | 196.68M | 199.73M | 199.81M | 200.88M | 205.57M | 207.91M | 196.19M | 185.62M | 184.14M | 184.74M | 184.78M |
| NII Growth % | 4.03% | 6.45% | 7.85% | 8.13% | 8.08% | 6.4% | 1.17% | -0.09% | -2.17% | -4.32% | -3.94% | 1.85% | 8.22% | 11.64% | 12.54% | 6.17% | 5.31% | 3.58% | 24.24% | 36.66% |
| Net Interest Margin % | 1.16% | 1.16% | 1.13% | 1.14% | 1.11% | 1.08% | 1.07% | 1.06% | 1.04% | 1.04% | 1.07% | 1.04% | 1.06% | 1.1% | 1.13% | 1% | 0.93% | 0.89% | 0.87% | 0.86% |
| Interest Income | 279.85M | 285.16M | 282.74M | 278.19M | 277.06M | 279.73M | 274.68M | 272.25M | 268.5M | 265.48M | 263.4M | 252.2M | 242.4M | 233.45M | 222.68M | 208.63M | 197.85M | 198.44M | 200.17M | 201.46M |
| Interest Expense | 58.89M | 62.39M | 64.83M | 62.33M | 64.67M | 70.46M | 72.61M | 72.62M | 71.98M | 68.8M | 63.68M | 52.39M | 41.51M | 27.88M | 14.77M | 12.44M | 12.23M | 14.3M | 15.43M | 16.68M |
| Loan Loss Provision | 17.27M | 22.97M | 17.51M | 20.67M | 24.77M | 21.23M | 15.43M | 11.51M | 13.2M | 18.85M | 10.52M | 21.49M | 16.15M | 14.96M | 16.42M | 13.48M | -17.17M | -12.87M | -9.71M | -27.97M |
| Non-Interest Income | 38.62M | 35.24M | 21.79M | 23.88M | 31.72M | 12.01M | 26.93M | 27.95M | 30.71M | 9.05M | 31.79M | 29.37M | 29.84M | 9.43M | 24.99M | 30.06M | 26.09M | 20.7M | 29.04M | 21.41M |
| Non-Interest Income % | 12.13% | 11% | 7.16% | 7.9% | 10.27% | 4.12% | 8.93% | 9.31% | 10.27% | 3.3% | 10.77% | 10.43% | 10.96% | 3.88% | 10.09% | 12.59% | 11.65% | 9.45% | 12.67% | 9.61% |
| Total Revenue | 318.47M | 320.4M | 304.54M | 302.06M | 308.78M | 291.74M | 301.61M | 300.19M | 299.22M | 274.53M | 295.19M | 281.57M | 272.24M | 242.88M | 247.67M | 238.68M | 223.95M | 219.14M | 229.21M | 222.87M |
| Revenue Growth % | 3.14% | 9.82% | 0.97% | 0.62% | 3.2% | 6.27% | 2.17% | 6.61% | 9.91% | 13.03% | 19.19% | 17.97% | 21.57% | 10.83% | 8.05% | 7.09% | 2.01% | 0.98% | 17.71% | 28.46% |
| Non-Interest Expense | 128.04M | 127.71M | 115.97M | 116.18M | 119.04M | 104.02M | 117.18M | 114.68M | 116.62M | 102.01M | 112.01M | 106.76M | 111.95M | 93.5M | 109.84M | 103.97M | 103.26M | 102.45M | 110.75M | 123.52M |
| Efficiency Ratio | 40.21% | 39.86% | 38.08% | 38.46% | 38.55% | 35.66% | 38.85% | 38.2% | 38.98% | 37.16% | 37.95% | 37.91% | 41.12% | 38.5% | 44.35% | 43.56% | 46.11% | 46.75% | 48.32% | 55.42% |
| Operating Income | 114.26M | 107.33M | 106.22M | 102.89M | 100.3M | 96.03M | 96.39M | 101.38M | 97.41M | 84.87M | 108.99M | 100.94M | 102.63M | 106.53M | 106.63M | 108.8M | 125.63M | 115.26M | 112.73M | 110.65M |
| Operating Margin % | 35.88% | 33.5% | 34.88% | 34.06% | 32.48% | 32.92% | 31.96% | 33.77% | 32.56% | 30.92% | 36.92% | 35.85% | 37.7% | 43.86% | 43.05% | 45.58% | 56.1% | 52.6% | 49.18% | 49.65% |
| Operating Income Growth % | 13.92% | 11.77% | 10.21% | 1.49% | 2.96% | 13.14% | -11.56% | 0.44% | -5.09% | -20.33% | 2.21% | -7.22% | -18.3% | -7.57% | -5.41% | -1.67% | 40.88% | 75.93% | 365.69% | 305.28% |
| Pretax Income | 114.26M | 107.33M | 106.22M | 102.89M | 100.3M | 96.03M | 96.39M | 101.38M | 97.41M | 84.87M | 108.99M | 100.94M | 102.63M | 106.53M | 106.63M | 108.8M | 125.63M | 115.26M | 112.73M | 110.65M |
| Pretax Margin % | 35.88% | 33.5% | 34.88% | 34.06% | 32.48% | 32.92% | 31.96% | 33.77% | 32.56% | 30.92% | 36.92% | 35.85% | 37.7% | 43.86% | 43.05% | 45.58% | 56.1% | 52.6% | 49.18% | 49.65% |
| Income Tax | 25.48M | 20.23M | 5.7M | 22.7M | 23.24M | 20.33M | 22.66M | 25.54M | 23.95M | 5.38M | 26.97M | 30.28M | 31.93M | 33.36M | 32.03M | 34.1M | 43.02M | 41.62M | 37.06M | 40.09M |
| Effective Tax Rate % | 22.3% | 18.85% | 5.36% | 22.07% | 23.17% | 21.17% | 23.51% | 25.19% | 24.59% | 6.34% | 24.74% | 30% | 31.12% | 31.31% | 30.04% | 31.35% | 34.25% | 36.11% | 32.87% | 36.23% |
| Net Income | 88.78M | 87.1M | 100.53M | 80.18M | 77.06M | 75.7M | 73.73M | 75.84M | 73.46M | 79.49M | 82.02M | 70.66M | 70.7M | 73.17M | 74.6M | 74.69M | 82.6M | 73.64M | 75.68M | 70.56M |
| Net Margin % | 27.88% | 27.19% | 33.01% | 26.54% | 24.96% | 25.95% | 24.44% | 25.26% | 24.55% | 28.95% | 27.79% | 25.09% | 25.97% | 30.13% | 30.12% | 31.29% | 36.88% | 33.6% | 33.02% | 31.66% |
| Net Income Growth % | 15.21% | 15.06% | 36.35% | 5.73% | 4.9% | -4.77% | -10.11% | 7.34% | 3.9% | 8.63% | 9.94% | -5.41% | -14.41% | -0.63% | -1.42% | 5.86% | 35.08% | 46.87% | 164.49% | 231.94% |
| Net Income (Continuing) | 88.78M | 87.1M | 100.53M | 80.18M | 77.06M | 75.7M | 73.73M | 75.84M | 73.46M | 79.49M | 82.02M | 70.66M | 70.7M | 73.17M | 74.6M | 74.69M | 82.6M | 73.64M | 75.68M | 70.56M |
| EPS (Diluted) | 0.57 | 0.55 | 0.63 | 0.50 | 0.47 | 0.46 | 0.45 | 0.46 | 0.44 | 0.46 | 0.46 | 0.39 | 0.39 | 0.40 | 0.40 | 0.38 | 0.41 | 0.35 | 0.36 | 0.33 |
| EPS Growth % | 21.28% | 19.57% | 40% | 8.7% | 6.82% | 0% | -2.17% | 17.95% | 12.82% | 15% | 15% | 2.63% | -4.88% | 14.29% | 11.11% | 15.15% | 46.43% | 52.17% | 176.92% | 266.67% |
| EPS (Basic) | 0.57 | 0.56 | 0.63 | 0.50 | 0.47 | 0.46 | 0.45 | 0.46 | 0.44 | 0.47 | 0.47 | 0.39 | 0.39 | 0.40 | 0.40 | 0.38 | 0.42 | 0.35 | 0.36 | 0.33 |
| Diluted Shares Outstanding | 156.1M | 158.37M | 159.56M | 161.51M | 165.54M | 165.54M | 165.54M | 165.54M | 167.8M | 171.35M | 176.96M | 179.28M | 181.24M | 184.85M | 188.32M | 195.37M | 199.54M | 204.71M | 207.8M | 214.61M |