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AI brief of an SEC Form 8-K · First BanCorp (Puerto Rico) (FBP)

First BanCorp Q4 net income $87.1 million, or $0.55 a share, up from $75.7 million a year earlier

Positive Impact 3 of 5 earnings Written later

First BanCorp reported fourth-quarter 2025 net income of $87.1 million, or $0.55 per diluted share, up from $75.7 million a year earlier but down from $100.5 million in the third quarter. Full-year 2025 net income was $344.9 million, or $2.15 per diluted share, compared with $298.7 million, or $1.81, in 2024. The sequential decline reflects a one-time $16.6 million tax valuation allowance reversal recorded in the third quarter.

Key points

  • Q4 2025 net income $87.1 million, or $0.55 per diluted share, versus $75.7 million, or $0.46, in Q4 2024
  • Q3 2025 net income of $100.5 million included a one-time reversal of about $16.6 million in valuation allowance, worth $0.10 per diluted share
  • Net interest income rose to $222.8 million from $217.9 million in Q3 2025; net interest margin was 4.68%
  • Full-year 2025 net income was $344.9 million, or $2.15 per diluted share, versus $298.7 million, or $1.81, in 2024

The filing

CompanyFirst BanCorp (Puerto Rico) (FBP)
Form8-K, current report
Filed with the SECJan 27, 2026, 9:01 AM ET
Accession number0001057706-26-000005

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI (Anthropic Claude, claude-haiku-5-5) on Nov 8, 2026, 1:01 AM ET, from the text of the filing and its press-release exhibits only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on January 27, 2026.

Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.