First Bancorp (FBP) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates

Core Insights - First Bancorp (FBP) reported revenue of $248.71 million for Q3 2025, marking a 6% year-over-year increase, with EPS of $0.51 compared to $0.45 a year ago [1] - The reported revenue met the Zacks Consensus Estimate, while the EPS exceeded expectations by 6.25% [1] Financial Performance Metrics - Efficiency ratio stood at 50.2%, slightly better than the two-analyst average estimate of 50.5% [4] - Card and processing income was reported at $11.68 million, below the average estimate of $12.05 million [4] - Service charges and fees on deposit accounts reached $9.81 million, slightly above the average estimate of $9.75 million [4] - Total non-interest income was $30.79 million, below the average estimate of $33.05 million [4] - Mortgage banking activities generated $3.31 million, also below the average estimate of $3.45 million [4] Stock Performance - Shares of First Bancorp have declined by 7.3% over the past month, contrasting with the Zacks S&P 500 composite's increase of 0.2% [3] - The stock currently holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3]