Filing Flows › First Bancorp (FBP) › Q3 2026 › vs Q3 2025
First Bancorp (FBP) Q3 2026 vs Q3 2025 (year over year)
First Bancorp's revenue rose $11.4M (+5%) from $249M in Q3 2025 to $260M in Q3 2026. The biggest changes: Net interest income +$9.6M (+4%); Noninterest income +$1.8M (+6%). Operating margin 44.3% against 42.7% (+1.6 pts).
First Bancorp, Q3 2026: revenue $260M (+5% year over year), operating margin 44.3%, net earnings $96.1M, operating cash flow $105M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 44.3% | 42.7% | +1.6 pts |
| Net margin | 37.0% | 40.4% | -3.5 pts |
| Free cash flow margin | 38.9% | 54.2% | -15.3 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $228M | $218M | $9.6M | +4% |
| Noninterest income | $32.6M | $30.8M | $1.8M | +6% |
| Revenue | $260M | $249M | $11.4M | +5% |
| Operating profit | $115M | $106M | $9.0M | +9% |
| Costs & expenses | $145M | $142M | $2.4M | +2% |
| Pre-tax earnings | $115M | $106M | $9.0M | +9% |
| Credit loss provision | $14.6M | $17.6M | −$3.0M | -17% |
| Noninterest expense | $130M | $125M | $5.3M | +4% |
| Net earnings | $96.1M | $101M | −$4.4M | -4% |
| Income tax | $19.1M | $5.7M | $13.4M | +236% |
| Share-based compensation | $2.3M | $2.1M | $209K | +10% |
| Working capital & other | $6.6M | $35.0M | −$28.4M | -81% |
| Operating cash flow | $105M | $138M | −$32.6M | -24% |
| Free cash flow (OCF − capex) | $101M | $135M | −$33.5M | -25% |
| Capital expenditures | $3.8M | $2.9M | $953K | +33% |
Questions
How much did First Bancorp's revenue grow year over year in Q3 2026?
First Bancorp's revenue rose $11.4M (+5%) from $249M in Q3 2025 to $260M in Q3 2026.
What drove First Bancorp's revenue change in Q3 2026?
Net interest income +$9.6M (+4%); Noninterest income +$1.8M (+6%).