First Bancorp (FBP) Net Margin (2010 - 2025)
First Bancorp (FBP) reported Net Margin of 33.87% for Q4 2025, up 252.0% year-over-year from 9.62% in Q4 2024, and down 16.2% on a QoQ basis from 40.42% in Q3 2025.
First Bancorp (FBP) has 16 years of Net Margin data on file, last reported at 33.87% in Q4 2025.
- Quarterly Net Margin rose 252.0% year-over-year to 33.87% in Q4 2025, while the trailing twelve-month figure through Dec 2025 was 34.46% (up 262.0% YoY) and the FY2025 annual result came in at 34.46%, up 262.0% from the prior year.
- Net Margin slipped to 33.87% in Q4 2025 per FBP's latest filing, from 40.42% in the prior quarter.
- Across five years, Net Margin topped out at 40.42% in Q3 2025 and bottomed at 29.52% in Q1 2021.
- The 5-year median for Net Margin is 32.61% (2024), against an average of 33.04%.
- The widest annual swing landed in 2021, when Net Margin surged 2818 bps; it then sank 752 bps in 2023.
- Tracing FBP's Net Margin over 5 years: stood at 34.33% in 2021, then retreated by 9 bps to 31.11% in 2022, then advanced by 11 bps to 34.52% in 2023, then dropped by 9 bps to 31.35% in 2024, then grew by 8 bps to 33.87% in 2025.
- Per Business Quant, the three latest FBP Net Margin figures stand at 33.87% (Q4 2025), 40.42% (Q3 2025), and 32.49% (Q2 2025).
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Bank Of Chile | 90,891.20 Bn | 90,891.20 Bn | - | - |
| 2 | Bank Bradesco | 6,807.69 Bn | 6,791.75 Bn | - | - |
| 3 | Lloyds Banking | 426.28 Bn | 426.28 Bn | - | - |
| 4 | NatWest | 184.56 Bn | 184.56 Bn | - | - |
| 5 | First Capital | 181.18 Bn | 181.03 Bn | - | 251.45% |
| 6 | Landmark Bancorp | 164.67 Bn | 164.64 Bn | - | 26.97% |
| 7 | Deutsche Bank Aktiengesellschaft | 161.63 Bn | -151,939.28 Bn | - | -0.97% |
| 8 | KB Financial | 150.02 Bn | 142.15 Bn | - | - |
| 9 | Pnc Financial Services | 88.79 Bn | 88.84 Bn | - | 27.35% |
| 10 | First Bancorp | 3.86 Bn | 3.85 Bn | - | 33.87% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 33.87% |
| Sep 30, 2025 | 40.42% |
| Jun 30, 2025 | 32.49% |
| Mar 31, 2025 | 31.06% |
| Dec 31, 2024 | 31.35% |
| Sep 30, 2024 | 31.43% |
| Jun 30, 2024 | 32.74% |
| Mar 31, 2024 | 31.87% |
| Dec 31, 2023 | 34.52% |
| Sep 30, 2023 | 35.66% |
| Jun 30, 2023 | 29.93% |
| Mar 31, 2023 | 30.29% |
| Dec 31, 2022 | 31.11% |
| Sep 30, 2022 | 31.40% |
| Jun 30, 2022 | 32.89% |
| Mar 31, 2022 | 37.81% |
| Dec 31, 2021 | 34.33% |
| Sep 30, 2021 | 35.25% |
| Jun 30, 2021 | 32.86% |
| Mar 31, 2021 | 29.52% |
| Dec 31, 2020 | 24.11% |
| Sep 30, 2020 | 16.02% |
| Jun 30, 2020 | 13.65% |
| Mar 31, 2020 | 1.34% |
| Dec 31, 2019 | 55.66% |
| Sep 30, 2019 | 27.92% |
| Jun 30, 2019 | 25.06% |
| Mar 31, 2019 | 757.77% |
| Dec 31, 2018 | -377.07% |
| Sep 30, 2018 | 1,092.76% |
| Jun 30, 2018 | 34.05% |
| Mar 31, 2018 | 956.45% |
| Dec 31, 2017 | -183.36% |
| Sep 30, 2017 | -185.48% |
| Jun 30, 2017 | 37.11% |
| Mar 31, 2017 | 19.53% |
| Dec 31, 2016 | 51.19% |
| Sep 30, 2016 | 16.68% |
| Jun 30, 2016 | 32.32% |
| Mar 31, 2016 | 33.86% |
| Dec 31, 2015 | 71.09% |
| Sep 30, 2015 | 10.27% |
| Jun 30, 2015 | -0.91% |
| Mar 31, 2015 | 24.77% |
| Dec 31, 2014 | -34.56% |
| Sep 30, 2014 | 16.13% |
| Jun 30, 2014 | 14.55% |
| Mar 31, 2014 | 11.97% |
| Dec 31, 2013 | 28.22% |
| Sep 30, 2013 | 11.31% |
| Jun 30, 2013 | -129.09% |
| Mar 31, 2013 | -52.59% |
| Dec 31, 2012 | -52.59% |
| Sep 30, 2012 | 32.89% |
| Jun 30, 2012 | 7.62% |
| Mar 31, 2012 | -11.95% |
| Dec 31, 2011 | 231.43% |
| Sep 30, 2011 | -28.78% |
| Jun 30, 2011 | -16.66% |
| Mar 31, 2011 | -24.15% |
| Dec 31, 2010 | -214.47% |
| Sep 30, 2010 | 273.31% |
| Jun 30, 2010 | -61.05% |