First BanCorp. (NYSE: FBP) is scheduled to announce its fourth-quarter earnings for 2025 on January 27, 2026, prior to the market opening. Analysts predict that the bank will report earnings of $0.51 per share, alongside expected revenue of $256.18 million for the quarter. The earnings call will take place at 10:00 AM ET on the same day, providing stakeholders with key insights into the company’s financial performance.
In its previous earnings report released on October 22, 2025, First BanCorp. exceeded expectations with an earnings per share (EPS) of $0.51, surpassing the consensus estimate of $0.48 by $0.03. The bank’s net margin stood at 26.73% while its return on equity was recorded at 17.45%. Revenue for that quarter amounted to $248.71 million, slightly below analysts’ predictions of $256.25 million. In the same quarter a year earlier, the company had reported an EPS of $0.45.
Analysts hold a positive outlook for First BanCorp., forecasting an average EPS of $2.00 for both the current fiscal year and the following year.
Market Performance and Analyst Ratings
On January 26, 2026, shares of First BanCorp. opened at $20.64, reflecting a decline of 4.5% from previous trading sessions. The company maintains a debt-to-equity ratio of 0.15, with a current ratio of 0.81 and a quick ratio of 0.80. Over the past year, First BanCorp. has seen its stock fluctuate between a low of $16.40 and a high of $22.60. The firm currently boasts a market capitalization of $3.26 billion and a price-to-earnings (P/E) ratio of 10.02.
First BanCorp. has recently attracted attention from several analysts. On January 15, 2026, Piper Sandler initiated coverage with a “neutral” rating and a target price of $23.00. UBS Group followed suit, establishing a price objective of $25.00 in a report dated October 9, 2025. Weiss Ratings reaffirmed a “buy (b)” rating, while Wells Fargo reduced their target from $25.00 to $23.00, maintaining an “overweight” rating. Truist Financial also lowered its price target from $25.00 to $24.00, assigning a “buy” rating.
Currently, three analysts have rated First BanCorp. with a “buy” rating, while two have issued a “hold” rating. According to data from MarketBeat, the average rating for the company is “Moderate Buy” with a consensus price target of $23.80.
About First BanCorp.
Based in San Juan, Puerto Rico, First BanCorp. is a financial holding company that operates through its principal banking subsidiary, FirstBank Puerto Rico. The institution offers a wide array of banking services that encompass commercial and consumer lending, deposit products, cash management, and treasury services. Additionally, First BanCorp. provides mortgage origination and servicing, equipment leasing, investment management, and insurance agency services.
In the commercial banking sector, First BanCorp. caters to small and midsize enterprises as well as large corporate clients, offering tailored credit solutions, letters of credit, and foreign trade financing. As the company prepares for its upcoming earnings announcement, stakeholders will be keen to assess its financial health and strategic direction for the future.
