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First Bancorp (FBP) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · First Bancorp (FBP) Q3 2026 earnings results →
Q3 2026 Revenue up 5% year over year to $260M · 37¢ of every $1 of revenue kept as net profit · operating margin 44.3%
First Bancorp made $260M in Q3 2026 (+5% Y/Y): Net interest income $228M, Noninterest income $32.6M. Operating margin 44.3%, net earnings $96.1M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $260.1M in Q3 2026, up 5% year over year and down 2% from the previous quarter. Net interest income was the largest line at 87% of revenue. Net interest income added $9.6M year over year (up 4%), 84% of the total change.
Operating profit was $115.3M, a 44.3% margin (up 1.6 points year over year). Of the extra revenue versus Q3 2025, 79% reached operating profit, above the 43% margin then. Total costs grew 2% against revenue growth of 5%. Net earnings were $96.1M, down 4% year over year. The effective tax rate was 16.6%.
Operating cash flow was $105.0M (down 24% year over year), 109% of net earnings. Non-cash charges added back $2.3M of share-based compensation. Working capital and other items added $6.6M. Capital expenditures of $3.8M left free cash flow of $101.2M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $260M | +5% | 44.3% | $96.1M | $105M |
| Q2 2026 | 10-Q | Aug 7, 2026 | $265M | +7% | 45.4% | $96.2M | $92.2M |
| Q1 2026 | 10-Q | May 8, 2026 | $259M | +4% | 44.2% | $88.8M | $121M |
| Q4 2025 | 10-K | Feb 27, 2026 | $257M | +6% | 41.7% | $87.1M | $107M |
| Q3 2025 | 10-Q | Nov 7, 2025 | $249M | +6% | 42.7% | $101M | $138M |
| Q2 2025 | 10-Q | Aug 7, 2025 | $247M | +6% | 41.7% | $80.2M | $95.4M |
| Q1 2025 | 10-Q | May 9, 2025 | $248M | +8% | 40.4% | $77.1M | $108M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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First Bancorp against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +5% against the peers' median +10%. Operating margin: 44.3% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| FBP First Bancorp | Q3 2026 | $260M | +5% | 44.3% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: First Bancorp 10-Q on SEC EDGAR · CIK 1057706 · State Commercial Banks
13F: who owns FBP and who is buying
More on FBP
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results