Filing Flows › First Bancorp (FBP) › Q4 2025
First Bancorp (FBP) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Feb 27, 2026
First Bancorp (FBP) reported revenue of $257M for the fourth quarter 2025 (Q4 2025), +7% from a year earlier and +3% from the quarter before. Operating margin was 41.7%, net earnings $87.1M (33.9% of revenue).
First Bancorp, Q4 2025: revenue $257M (+6% year over year), operating margin 41.7%, net earnings $87.1M, operating cash flow $107M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $257M | +3% | +7% |
| Operating profit | $107M | +1% | +12% |
| Net earnings | $87.1M | -13% | +15% |
| Operating cash flow | $107M | -22% | +11% |
| Free cash flow | $103M | -23% | +8% |
What changed
Revenue was $257.2M in Q4 2025, up 7% year over year and up 3% from the previous quarter.
Operating profit was $107.3M, a 41.7% margin (up 2.0 points year over year). Of the extra revenue versus a year earlier, 72% reached operating profit, above the 40% margin then. Total costs grew 3% against revenue growth of 7%. Net earnings were $87.1M, up 15% year over year. The effective tax rate was 18.8%.
Operating cash flow was $107.3M (up 11% year over year), 123% of net earnings. Non-cash charges added back $2.1M of share-based compensation. Working capital and other items added $18.1M. Capital expenditures of $4.1M left free cash flow of $103.2M.
Questions
What was First Bancorp's revenue in the fourth quarter 2025?
First Bancorp (FBP) reported revenue of $257M for the fourth quarter 2025 (Q4 2025), +7% from a year earlier and +3% from the quarter before.
Was First Bancorp profitable in the fourth quarter 2025?
Operating profit was $107M (41.7% of revenue) and net earnings $87.1M.
Source: First Bancorp 10-K on SEC EDGAR.