FIRST BANCORP /PR/ (FBP) FY2025 10-K Annual Report
FIRST BANCORP /PR/ (FBP) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 27, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
FIRST BANCORP /PR/ FY2025 10-K Analysis
Business Overview
- • Core business model: FDIC-insured commercial bank providing typical banking services under Puerto Rico banking laws
- • New regulatory framework for leveraged lending adopted in December 2025 rescinding prior 2013 Guidance, shifting to principles-based management
Management Discussion & Analysis
- • No revenue or profit figures disclosed for 2025 vs 2024 comparison in provided excerpt
- • No segment performance details included in the given text
Risk Factors
- • Regulatory risk from Act 65-2025 enabling $16.6M deferred tax asset valuation allowance reversal
- • Macroeconomic threat from commercial real estate downturn increasing credit loss provision by $27.9M
FIRST BANCORP /PR/ FY2025 Key Financial MetricsXBRL
Revenue
$1.0B
▲ +6.7% YoY
Net Income
$345M
▲ +15.4% YoY
Net Margin
34.5%
▲ +262bp YoY
ROE
17.5%
▼ -36bp YoY
Total Assets
$19.1B
▼ -0.8% YoY
EPS (Diluted)
$2.15
▲ +18.8% YoY
Operating Cash Flow
$449M
▲ +11.0% YoY
Source: XBRL data from FIRST BANCORP /PR/ FY2025 10-K filing on SEC EDGAR. All figures in USD.
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