First Bancorp (FBP) Net Margin (2010 - 2026)
First Bancorp (FBP) posted quarterly Net Margin of 26.45% for Q4 2025, up 650.0% year-over-year from 3.53% in Q4 2024, and down 38.76% quarter-over-quarter from 43.19% in Q3 2025.
First Bancorp (FBP) Net Margin (2010 - 2026) Analysis & Trends
First Bancorp (FBP) has reported Net Margin for 16 consecutive years, with 26.45% the latest figure, recorded in Q4 2025.
- In Q4 2025, Net Margin rose 650.0% year-over-year to 26.45%; the TTM figure through Dec 2025 stood at 52.28% (up 2114.0% YoY), while the FY2025 annual figure was 38.29%, down 656.0% from the prior year.
- Net Margin retreated to 26.45% in Q4 2025 per FBP's latest filing, from 43.19% in the prior quarter.
- Across five years, Net Margin topped out at 107.38% in Q3 2021 and bottomed at 53.29% in Q2 2025.
- Historically, Net Margin has averaged 45.22% across 5 years, with a median of 35.52% in 2024.
- Annual changes were most pronounced in 2021 — Net Margin soared 8889 bps — and 2025, when it plunged 8971 bps.
- First Bancorp's Net Margin stood at 20.99% in 2021, then surged by 248 bps to 31.11% in 2022, then fell by 25 bps to 23.36% in 2023, then declined by 15 bps to 19.95% in 2024, then soared by 33 bps to 26.45% in 2025.
- Business Quant data shows FBP's Net Margin at 26.45% in Q4 2025, 43.19% in Q3 2025, and 53.29% in Q2 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 119.58 Bn | 83.39 Bn | - | - |
| 2 | Pnc Financial Services | 97.75 Bn | 97.75 Bn | - | 28.41% |
| 3 | Us Bancorp | 96.33 Bn | 96.33 Bn | - | 27.30% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 73.86 Bn | -145.23 Bn | - | 38.78% |
| 6 | Deutsche Bank Aktiengesellschaft | 71.72 Bn | -81.60 Bn | - | 25.60% |
| 7 | Nu Holdings | 68.51 Bn | 54.82 Bn | 2.35 Bn | 25.60% |
| 8 | Truist Financial | 61.69 Bn | 61.69 Bn | - | 28.85% |
| 9 | Fifth Third Bancorp | 49.73 Bn | 26.00 Bn | - | 23.30% |
| 10 | First Bancorp | 4.34 Bn | -15.25 Bn | - | 36.30% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | -241.85% |
| Dec 31, 2025 | 26.45% |
| Sep 30, 2025 | 43.19% |
| Jun 30, 2025 | -53.29% |
| Mar 31, 2025 | 31.06% |
| Dec 31, 2024 | 19.95% |
| Sep 30, 2024 | 31.43% |
| Jun 30, 2024 | 36.42% |
| Mar 31, 2024 | 53.50% |
| Dec 31, 2023 | 23.36% |
| Sep 30, 2023 | 107.37% |
| Jun 30, 2023 | 93.05% |
| Mar 31, 2023 | 52.06% |
| Dec 31, 2022 | 31.11% |
| Sep 30, 2022 | 34.62% |
| Jun 30, 2022 | 102.09% |
| Mar 31, 2022 | 98.67% |
| Dec 31, 2021 | -20.99% |
| Sep 30, 2021 | 107.38% |
| Jun 30, 2021 | 32.86% |