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First BanCorp.

FBP Finance Major Banks
$27.50
▲ +0.6% Today
as of Oct 23, 14:32 ET
Last 30 days -2.49% Sep 14 → Oct 23
$26.20 $26.72 $27.24 $27.77 $28.29 Sep 14 Sep 22 Sep 30 Oct 07 Oct 15 Oct 23
Open
$27.30
High
$27.73
Low
$26.95
Volume
$4M
Avg Vol
$1M
Mkt Cap
$4.0B
P/E (TTM)
15.04
Beta
—
52w High
$29.88
52w Low
$19.16
Div Yield
—
Shares Out
$153M

Recent Press Releases & News last 60 days · 22 items

Oct 22 · 19:04 MarketBeat
First BanCorp. Q3 Earnings Call Highlights
Oct 22 · 18:15 Motley Fool
First BanCorp (FBP) Q3 2026 Earnings Call Transcript
Oct 22 · 13:00 Zacks
First BanCorp (FBP) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates
▸ Show all 22 press releases & news Free account →

FBP earnings at a glance

The options market is pricing a move of about ±11.8% after the report, a range of roughly $24.25 to $30.75 from today's $27.50. Over its last 5 reports the stock rose the next day 2 times and fell 3, moving ±2.4% on average; after the most recent report on Apr 22, 2026 it moved -1.5%. That means options currently expect more movement than FBP has typically delivered. FBP beat the consensus EPS estimate in 5 of its last 5 reported quarters. Implied volatility is currently 100%. The share price of $27.50 sits in the middle of its 52-week range.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$19
$30
78% of range
Avg surprise (last 5)
+7.5%
Avg reaction (last 5)
-0.3%
40% positive
Latest IV / EM
100%
EM ±11.8% · $25 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.39$0.45$0.51$0.56$0.62 Actual $0.39Actual $0.39Actual $0.46Actual $0.44Actual $0.46Actual $0.45Actual $0.47Est $0.43Actual $0.50Est $0.47Actual $0.51Est $0.48Actual $0.55Est $0.52Actual $0.57Est $0.52Actual $0.62 MarJunSepMarJunSepMar/2025Jun/2025Sep/20258K8KJun
Revenue vs Net Income Revenue Net income
$0$70M$139M$209M$278M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Tue Jun 30, 2026Jun 2026 $0.62 — — — — financials
Wed Apr 22, 20268K 2026-04-22 $0.57 $0.52 +9.6% — -1.5% earnings
Tue Jan 27, 20268K 2026-01-27 $0.55 $0.52 +5.8% — +5.2% earnings
Thu Oct 23, 2025Sep/2025 $0.51 $0.48 +6.2% — -2.6% earnings
Tue Jul 22, 2025Jun/2025 $0.50 $0.47 +6.4% — -2.4% earnings
Thu Apr 24, 2025Mar/2025 $0.47 $0.43 +9.3% — +0.1% earnings
Mon Sep 30, 2024Sep 2024 $0.45 — — — — financials
Sun Jun 30, 2024Jun 2024 $0.46 — — — — financials
Sun Mar 31, 2024Mar 2024 $0.44 — — — — financials
Sat Sep 30, 2023Sep 2023 $0.46 — — — — financials
Fri Jun 30, 2023Jun 2023 $0.39 — — — — financials
Fri Mar 31, 2023Mar 2023 $0.39 — — — — financials

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue$265M$259M—$249M$247M$248M—$235M
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$96M$89M—$101M$80M$77M—$74M
EPS (diluted)$0.62$0.57—$0.63$0.50$0.47—$0.45

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents————————
Inventory————————
Total current assets————————
Total assets$19.24B$19.09B$19.13B$19.32B$18.90B$19.11B$19.29B$18.86B
Long-term debt$200M$200M$290M$290M$320M$331M$562M—
Total liabilities$17.26B$17.12B$17.17B$17.40B$17.05B$17.33B$17.62B$17.16B
Total equity$1.98B$1.97B$1.97B$1.92B$1.85B$1.78B$1.67B$1.70B

Implied volatility — last 90 days

6%125%243%362%481% Jun 07 — IV 53% · EM ±7.4%Jun 08 — IV 45% · EM ±5.9%Jun 15 — IV 58% · EM ±4.2%Jun 16 — IV 144% · EM ±8.5%Jun 24 — IV 95% · EM ±19.0%Jun 25 — IV 96% · EM ±18.8%Jun 26 — IV 101% · EM ±19.3%Jun 29 — IV 107% · EM ±19.0%Jul 02 — IV 122% · EM ±19.7%Jul 03 — IV 126% · EM ±19.7%Jul 06 — IV 128% · EM ±17.7%Jul 10 — IV 176% · EM ±19.5%Jul 13 — IV 229% · EM ±19.1%Jul 15 — IV 313% · EM ±18.5%Jul 16 — IV 482% · EM ±20.1%Jul 20 — IV 82% · EM ±19.3%Jul 21 — IV 50% · EM ±11.7%Jul 22 — IV 43% · EM ±9.8%Jul 23 — IV 52% · EM ±11.7%Jul 24 — IV 49% · EM ±10.8%Jul 27 — IV 52% · EM ±10.8%Jul 28 — IV 41% · EM ±8.5%Jul 29 — IV 32% · EM ±6.3%Jul 30 — IV 49% · EM ±9.6%Jul 31 — IV 57% · EM ±10.9%Aug 03 — IV 60% · EM ±10.7%Aug 04 — IV 62% · EM ±10.7%Aug 05 — IV 63% · EM ±10.5%Aug 06 — IV 27% · EM ±4.4%Aug 07 — IV 10% · EM ±1.6%Aug 10 — IV 6% · EM ±0.9%Aug 11 — IV 66% · EM ±8.7%Aug 12 — IV 45% · EM ±5.6%Aug 13 — IV 75% · EM ±8.8%Aug 14 — IV 41% · EM ±4.5%Aug 17 — IV 70% · EM ±5.8%Aug 20 — IV 255% · EM ±10.6%Aug 25 — IV 67% · EM ±13.8%Aug 26 — IV 75% · EM ±15.1%Aug 27 — IV 55% · EM ±10.8%Aug 28 — IV 93% · EM ±17.9%Aug 31 — IV 122% · EM ±21.7%Sep 01 — IV 74% · EM ±12.7%Sep 02 — IV 77% · EM ±12.8%Sep 03 — IV 59% · EM ±9.5%Sep 04 — IV 77% · EM ±12.1%Sep 07 — IV 87% · EM ±12.1%Sep 09 — IV 124% · EM ±15.5%Sep 10 — IV 148% · EM ±17.5%Sep 11 — IV 135% · EM ±14.9%Sep 14 — IV 191% · EM ±16.0%Sep 15 — IV 189% · EM ±13.7%Sep 16 — IV 331% · EM ±19.5%Sep 17 — IV 435% · EM ±18.2%Sep 21 — IV 101% · EM ±21.1%Sep 22 — IV 100% · EM ±20.4%Sep 23 — IV 82% · EM ±16.5%Sep 25 — IV 82% · EM ±15.7%Sep 28 — IV 92% · EM ±16.3%Sep 29 — IV 110% · EM ±19.0%Sep 30 — IV 72% · EM ±12.0%Oct 02 — IV 143% · EM ±22.4%Oct 06 — IV 145% · EM ±19.1%Oct 07 — IV 149% · EM ±18.7%Oct 08 — IV 100% · EM ±11.8%

Sector peers

TCBI
Texas Capital Bancshares, Inc.
$4.0B $100.92+8.0%
UCB
United Community Banks, Inc.
$4.0B $36.91+3.0%
CATY
Cathay General Bancorp
$3.9B $64.43+6.3%
SFBS
ServisFirst Bancshares, Inc.
$4.2B $41.16+3.5%
FULT
Fulton Financial Corporation
$4.2B $23.71+5.2%
IBOC
International Bancshares Corporation
$4.2B $66.92+1.2%

FBP earnings FAQ

What is FBP's expected move for earnings?

Options currently price a move of about ±11.8%, or $3.25 per share either way from $27.50.

How does FBP stock usually react to earnings?

Across the last 5 reports the average next-day move was ±2.4%, up 2 times and down 3 times.

What is FBP's implied volatility?

FBP's at-the-money implied volatility is about 100% based on the latest options snapshot.

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