First BanCorp grants director Crespo 1,518 shares

The director's restricted-stock award vests solely on the basis of time over a one-year period, with vesting on September 30, 2027.

Rhea-AI Filing Summary

First BanCorp director Luz Crespo reported two restricted-stock transactions on September 30, 2026: 1,518 shares were issued under the First BanCorp 2026 Omnibus Incentive Plan, and 182 shares were withheld to cover taxes on restricted stock that vested that day. The issued shares vest solely on the basis of the passage of time over a one-year period, on September 30, 2027.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider LUZ CRESPO

Role Director

Type	Security	Shares	Price	Value
Tax Withholding	First BanCorp Common Stock, par value $0.10 per share. F1	182	$26.34	$5K
Grant/Award	First BanCorp Common Stock, par value $0.10 per share. F2	1,518	$26.34	$40K

Holdings After Transaction: First BanCorp Common Stock, par value $0.10 per share. — 63,607 shares (Direct)

Footnotes (2)

1. F1. Shares withheld to cover taxes related to restricted stock that vested on September 30, 2026 pursuant to the terms of the restricted stock award made on September 30, 2025.
2. F2. Represents shares of restricted stock issued on September 30, 2026 pursuant to the First BanCorp 2026 Omnibus Incentive Plan, which vest solely on the basis of the passage of time over a one-year period on September 30, 2027.

Key Figures

Restricted stock issued: 1,518 shares Shares withheld for taxes: 182 shares Transaction price per share: $26.34 per share +2 more

5 metrics

Restricted stock issued 1,518 shares Issued September 30, 2026 under the First BanCorp 2026 Omnibus Incentive Plan

Shares withheld for taxes 182 shares Withheld September 30, 2026 for taxes related to restricted stock that vested that day

Transaction price per share $26.34 per share Listed for both transactions dated September 30, 2026

Vesting period One year Restricted stock issued September 30, 2026, with vesting on September 30, 2027

Date of restricted stock award September 30, 2025 Award terms related to the shares withheld for taxes

Key Terms

restricted stock, 2026 Omnibus Incentive Plan, passage of time

3 terms

restricted stock financial

"shares of restricted stock issued"

Shares granted to an individual that carry limits on transfer or sale until certain conditions are met, such as staying with the company for a set time or hitting performance targets. Think of them as a locked gift that gradually opens; for investors they matter because they affect how many shares may enter the market later, signal management incentives and potential dilution, and reveal confidence in future company performance.

2026 Omnibus Incentive Plan financial

"pursuant to the First BanCorp 2026 Omnibus Incentive Plan"

passage of time financial

"vest solely on the basis of the passage of time"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How many FBP shares did director Luz Crespo receive?

First BanCorp issued 1,518 shares of restricted stock to Luz Crespo on September 30, 2026, under the First BanCorp 2026 Omnibus Incentive Plan. The shares vest solely on the basis of the passage of time over a one-year period, on September 30, 2027.

How many FBP shares were withheld for taxes from Luz Crespo?

182 shares were withheld to cover taxes related to restricted stock that vested on September 30, 2026, pursuant to a restricted stock award made on September 30, 2025.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 10/02/2026 - 04:32 PM Accepted by SEC EDGAR 10/02/2026 - 04:30 PM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

LUZ CRESPO

(Last) (First) (Middle)

PO BOX 9146

(Street)

SAN JUAN PUERTO RICO 00908

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
FIRST BANCORP /PR/ [ FBP ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
09/30/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
First BanCorp Common Stock, par value $0.10 per share.	09/30/2026		F		182(1)	D	$26.34	62,089	D
First BanCorp Common Stock, par value $0.10 per share.	09/30/2026		A		1,518(2)	A	$26.34	63,607	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Shares withheld to cover taxes related to restricted stock that vested on September 30, 2026 pursuant to the terms of the restricted stock award made on September 30, 2025.

2. Represents shares of restricted stock issued on September 30, 2026 pursuant to the First BanCorp 2026 Omnibus Incentive Plan, which vest solely on the basis of the passage of time over a one-year period on September 30, 2027.

	/s/ Adolfo Sepulveda, Esq., Attorney-in-Fact	10/02/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)