First BanCorp reports record FY2025 net income $345M; Q4 EPS $0.55 vs $0.63 Q3

FIRST BANCORP /PR/

2025-FY EPS reported $2.15 vs consensus $0.51 ▲ beat (+320.7%)

FY2025 net income $344.9M ($2.15 EPS), up from $298.7M ($1.81) in FY2024, a 19% EPS increase.
Q4 net income $87.1M ($0.55 EPS) vs $100.5M ($0.63) in Q3, which included a one-time $16.6M tax benefit.
Net interest margin rose to 4.68% from 4.57% Q3; efficiency ratio improved to 49.33%.
Total loans grew $80.8M to $13.1B; core deposits +$266.5M; non-performing assets fell to $114.1M.
Repurchased $50M stock and declared $28.3M in dividends in Q4; CET1 ratio 16.76%.

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