{"schema_version":"secwatch.filing_event.v1","accession":"0001057706-26-000005","form_type":"8-K","ticker":"FBP","cik":"0001057706","company_name":"FIRST BANCORP /PR/","filed_at":"2026-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.479042+00:00","generated_at":"2026-05-16T07:23:38.365365+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"First BanCorp reports record FY2025 net income $345M; Q4 EPS $0.55 vs $0.63 Q3","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001057706-26-000005","json":"https://secwatch.observer/filing/0001057706-26-000005.json","markdown":"https://secwatch.observer/filing/0001057706-26-000005.md","text":"https://secwatch.observer/filing/0001057706-26-000005.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1057706/000105770626000005/0001057706-26-000005-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1057706/000105770626000005/fbpPRQ42025.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T07:23:38.365365+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}