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First BanCorp. FBP R2K

Financial Services · Banks - Regional · United States
https://www.1firstbank.com
Company Profile ↓
$26.72
+23.01% 1Y
Mkt Cap$4.13B
P/E11.88
P/B1.99
Div. Yield2.98%
52W High$26.72
52W Low$18.92
Book Value$12.80
EPS (TTM)$2.25

Company Overview

First BanCorp. operates as the bank holding company for FirstBank Puerto Rico that provides financial products and services to consumers and commercial customers. It operates through six segments: Mortgage Banking; Consumer (Retail) Banking; Commercial and Corporate Banking; Treasury and Investments; United States Operations; and Virgin Islands Operations. The Mortgage Banking segment engages in the origination, sale, and servicing of various residential mortgage loans; hedging activities; purchase of mortgage loans from branch and mortgage bankers; and origination of residential real estate loans. The Consumer (Retail) Banking segment is involved in consumer lending, commercial lending to small businesses, commercial transaction banking, and deposit-taking activities. The Commercial and Corporate Banking segment offers lending and other services, including commercial lending and commercial deposit-taking activities. The Treasury and Investments segment manages funding; and obtains funds through brokered deposits, advances from the FHLB, and repurchase agreements involving investment securities, among other funding sources. The United States Operations segment provides checking, savings, and money market accounts; retail CDs; internet banking services; residential mortgages; home equity loans and lines of credit; retail deposits; cash management services; remote data capture; automated clearing house transactions; and traditional commercial and industrial, and commercial real estate products, such as lines of credit, term loans, and construction loans. The Virgin Islands Operations segment focuses on consumer and commercial lending, and deposit-taking activities. The company also offers automobile financing and insurance agency services. First BanCorp. was founded in 1948 and is headquartered in San Juan, Puerto Rico.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 19.0%, reflecting efficient use of shareholder capital.

Consistent Profit Growth

Net profit has compounded at 27.5% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 11.9, below the sector median of 13.3.

Healthy Margins

Maintains a net profit margin of 38.2%.

Dividend Income

Offers a dividend yield of 2.98%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $1.00B (+6.7% YoY); net profit $344.87M.
  • Trailing 12 Months Year-on-year growth — revenue +8.1%, earnings +21.3%.
  • 5-Year Trend Long-term compounding — revenue CAGR 0.3%, profit CAGR 27.5%.

Growth & Price Performance

Compounded Sales Growth

5 Years:0.34%
1 Year:8.10%

Compounded Profit Growth

5 Years:27.52%
1 Year:21.30%

Stock Price Performance

1 Year:+23.01%
6 Months:+26.74%
3 Months:+18.12%
1 Month:+6.88%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 100% of range
$18.92 $26.72
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)64.51 · Neutral
Price Performance
1M+6.88%
3M+18.12%
6M+26.74%
1Y+23.01%
Valuation vs Sector

P/E of 11.88 is below the sector median of 13.30 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 38.2%.
  • Profit CAGR of 27.5% over 5 years.
  • Attractive dividend yield of 2.98%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
11.88
Industry PE
13.30
Forward P/E
11.16
PEG Ratio
4.15
Book Value
$12.80
Price to Book
1.99
P/S
4.23
EV/EBITDA
-
Dividend Yield
2.98%

Growth (CAGR)

Revenue 5Y
0.34%
Profit 5Y
27.52%
Revenue (YoY)
8.10%
Earnings (YoY)
21.30%

Profitability & Returns

ROCE
-
ROE
19.04%
ROA
1.87%
Profit Margin
38.22%
Op Margin
47.80%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.57
EPS (TTM)
$2.25

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$290.00M
Total Assets
$19.09B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
1.81%
Chg in Prom Hold
-
FII / Inst Holding
100.06%
Chg in FII Hold
-0.11%

Financial Snapshot

Enterprise Value
$4.13B
Total Revenue (TTM)
$932.90M
EBITDA
-
Free Cash Flow
$437.52M
Operating Cash Flow
$461.42M
Shares Outstanding
154.68M
Gross Margin
0.00%
Payout Ratio
32.89%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 FBP First BanCorp. R2K 26.72 11.88 $4.13B 2.98% - 19.04% 0.34% 27.52%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2013Jun 2013Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue ---------------147.48M150.94M151.04M162.72M164.77M165.83M168.85M156.10M178.63M207.22M214.67M214.69M218.48M227.13M237.60M233.40M236.09M230.02M230.50M231.67M234.57M248.13M246.81M248.71M258.64M
Net Income -72.63M-122.58M15.94M17.08M21.23M23.20M25.65M-34.07M14.76M23.34M21.95M24.07M25.54M28.00M-10.75M33.15M31.03M36.32M43.31M41.29M46.33M2.27M21.26M28.61M61.15M70.56M75.68M82.60M74.69M74.60M70.70M70.66M82.02M73.46M75.84M73.73M77.06M80.18M100.53M88.78M
Diluted EPS -0.35-0.600.080.080.110.110.12-0.160.070.110.100.110.110.13-0.050.150.140.160.200.190.210.010.090.130.280.330.360.410.380.400.390.390.460.440.460.450.470.500.630.57

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -950.59M767.60M687.17M630.30M695.30M686.89M673.25M650.81M607.69M657.65M711.55M851.09M918.38M929.80M938.20M1.00B
Net Income -275.19M-524.31M-82.23M29.78M-164.49M392.29M21.30M93.23M66.96M201.61M167.38M102.27M281.02M305.07M302.86M298.72M344.87M
Diluted EPS -52.22-10.792.180.14-0.801.870.100.430.300.920.760.461.311.591.711.812.15

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --15.59B13.13B13.10B12.66B12.73B12.57B11.92B12.26B12.24B12.61B18.79B20.79B18.63B18.91B19.29B19.13B
Total Equity -1.60B1.06B1.44B1.49B1.22B1.67B1.69B1.79B1.87B2.04B2.23B2.28B2.10B1.33B1.50B1.67B1.97B
Cash & Equivalents 405.73M704.08M370.28M446.57M946.85M655.67M796.11M752.46M299.69M716.39M586.20M644.10M1.49B2.54B----
Long Term Debt ---------------661.70M561.70M290.00M
Total Liabilities --14.54B11.68B11.61B11.44B11.06B10.88B10.14B10.39B10.20B10.38B16.52B18.68B17.31B17.41B17.62B17.17B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 243.25M237.17M156.92M228.85M341.69M264.35M261.89M199.43M235.96M288.32M294.28M297.74M399.72M440.49M362.96M404.15M448.56M
Investing Cash Flow -381.79M3.02B2.33B305.08M-431.45M254.73M438.98M83.19M-73.26M-223.26M-342.97M-1.24B-1.26B-681.46M-78.45M136.23M-170.39M
Financing Cash Flow 436.89M-3.59B-2.41B-33.65M-201.42M-378.65M-744.52M-735.40M254.00M-195.26M106.58M1.79B1.91B-1.82B-101.85M-44.13M-778.98M
Capital Expenditure -40.27M-31.99M-13.38M-11.94M-11.79M-22.26M-12.46M-10.37M-9.42M-20.51M-22.48M-16.07M-13.35M-20.46M-22.60M-10.01M-11.03M
Free Cash Flow 202.98M205.18M143.55M216.91M329.90M242.09M249.44M189.06M226.55M267.81M271.81M281.67M386.37M420.03M340.36M394.14M437.52M
Share Buybacks --00455.00K946.00K1.17M1.13M2.50M2.83M1.96M206.00K216.52M277.77M203.24M102.39M153.67M
Dividends Paid 43.07M0-26.39M0000223.00K2.68M--------

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % --55.2%-10.7%4.3%-26.1%56.4%3.1%13.8%10.3%33.2%25.5%14.4%33.0%33.2%32.6%31.8%34.5%
ROE % -17.2%-49.6%-5.7%2.0%-13.5%23.5%1.3%5.2%3.6%9.9%7.5%4.5%13.4%23.0%20.2%17.9%17.5%
ROCE % -----------------

Shareholding Pattern

Insiders
1.81%
Institutions
100.06%
Public Float
101.91%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 14.80% 22.90M $603.75M
2 Vanguard Portfolio Management LLC 8.41% 13.00M $342.92M
3 FMR, LLC 6.25% 9.67M $254.92M
4 State Street Corporation 5.45% 8.44M $222.49M
5 Dimensional Fund Advisors LP 5.10% 7.89M $208.14M
6 Vanguard Capital Management LLC 4.51% 6.98M $183.95M
7 American Century Companies Inc 3.98% 6.16M $162.32M
8 First Trust Advisors LP 3.14% 4.86M $128.22M
9 Geode Capital Management, LLC 3.07% 4.75M $125.14M
10 Alliancebernstein L.P. 2.57% 3.98M $104.82M

Analyst View

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Latest News

Recent headlines for FBP

Google News ue, 14 Jul 2026

First BanCorp (FBP) Dividend Growth Story Keeps Fair Value In Focus - Yahoo Finance

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Google News ue, 14 Jul 2026

First BanCorp. (NYSE:FBP) Shares Pass Above 200-Day Moving Average - Should You Sell? - MarketBeat

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Google News Mon, 13 Jul 2026

FBP Maintains Buy Rating by Truist Securities -- Price Target Ra - GuruFocus

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Google News Mon, 13 Jul 2026

First BanCorp (FBP) Could Be a Great Choice - Yahoo Finance

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Google News Wed, 20 May 2026

First BanCorp (FBP) Stock Is Up, What You Need To Know - StockStory

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Google News hu, 09 Jul 2026

How Epstein-Linked Lawsuit Over Acquired Accounts At First BanCorp (FBP) Has Changed Its Investment Story - simplywall.st

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FBP — Frequently Asked Questions

What is the current share price of First BanCorp. (FBP)?

As of 2026-07-14 21:23 PDT, First BanCorp. (FBP) trades at $26.72 on NYSE. Its 52-week range is $18.92 to $26.72.

What is the market capitalisation of FBP?

First BanCorp. (FBP) has a market capitalisation of $4.13B on NYSE.

What is the P/E ratio of FBP?

FBP trades at a trailing price-to-earnings (P/E) ratio of 11.88. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.99.

Does FBP pay a dividend?

First BanCorp. (FBP) currently offers a dividend yield of 2.98%.

What is the return on equity (ROE) of FBP?

FBP has a return on equity (ROE) of 19.04%.

Is FBP a good stock to buy?

This page provides a data-driven analysis of First BanCorp. (FBP), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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