For the quarter ended December 2025, First Bancorp (FBP) reported revenue of $257.17 million, up 6.5% over the same period last year. EPS came in at $0.55, compared to $0.46 in the year-ago quarter.
The reported revenue represents a surprise of +1.09% over the Zacks Consensus Estimate of $254.4 million. With the consensus EPS estimate being $0.52, the EPS surprise was +6.8%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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: 49.3% versus 48.7% estimated by three analysts on average.
- Net Interest Margin: 4.7% compared to the 4.8% average estimate based on two analysts.
- Net charge-offs (annualized) to average loans: 0.6% versus the two-analyst average estimate of 0.6%.
- Total Interest-Earning Assets - Average Balance: $18.9 billion compared to the $19.16 billion average estimate based on two analysts.
- Card and processing income: $12.35 million versus the three-analyst average estimate of $12.1 million.
- Mortgage banking activities: $4.22 million compared to the $3.3 million average estimate based on three analysts.
- Total non-interest income: $34.4 million versus the three-analyst average estimate of $31.54 million.
- Service charges and fees on deposit accounts: $9.86 million versus the three-analyst average estimate of $9.87 million.
- Net Interest Income: $222.77 million versus the two-analyst average estimate of $221.83 million.
- Net interest income on a tax-equivalent basis and excluding valuations: $232.66 million versus the two-analyst average estimate of $229.64 million.
View all Key Company Metrics for First Bancorp here>>>
Shares of First Bancorp have returned -0.7% over the past month versus the Zacks S&P 500 composite's +0.4% 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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