First Bancorp (FBP) reported $248.71 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 6%. EPS of $0.51 for the same period compares to $0.45 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $0 million, representing no surprise. The company delivered an EPS surprise of +6.25%, with the consensus EPS estimate being $0.48.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how First Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency ratio: 50.2% versus the two-analyst average estimate of 50.5%.
- Card and processing income: $11.68 million versus the two-analyst average estimate of $12.05 million.
- Service charges and fees on deposit accounts: $9.81 million versus the two-analyst average estimate of $9.75 million.
- Total non-interest income: $30.79 million versus the two-analyst average estimate of $33.05 million.
- Mortgage banking activities: $3.31 million versus the two-analyst average estimate of $3.45 million.
View all Key Company Metrics for First Bancorp here>>>
Shares of First Bancorp have returned -7.3% over the past month versus the Zacks S&P 500 composite's +0.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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First BanCorp. (FBP): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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