First BanCorp. (NYSE:FBP), the financial institution with a major presence in Puerto Rico, Florida, and the U.S. Virgin Islands, reported results for Q2 2025 on July 22, 2025. The most notable headline is the GAAP EPS of $0.50 in Q2 2025, which beat the consensus estimate of $0.46 by $0.04, or 8.75% (GAAP). Net interest income and profitability metrics (GAAP) both increased year over year, while revenue (GAAP) came in at $246.85 million—short of analyst expectations by $4.83 million, or 1.9%. Despite the revenue miss, the period saw continued loan growth, margin expansion, and robust capital returns to shareholders. The overall quarter reflects steady performance and ongoing operational discipline, though deposit trends and non-interest income volatility deserve continued observation.
Source: First BanCorp. Note: Analyst estimates for the quarter provided by FactSet.
First BanCorp. delivers financial services primarily through its banking subsidiary, with activities across commercial lending, consumer (retail) banking, and mortgage origination. It serves individual and business customers in Puerto Rico, Florida, and the U.S. Virgin Islands. Its business model relies on a diversified mix of commercial, consumer, and residential real estate loans, complemented by deposit products and select non-interest income streams.