First BanCorp. FBP R2K

Financial Services · Banks - Regional · United States

https://www.1firstbank.com

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.

Market & Price

Market Cap

$3.71B

Current Price

$23.98

High / Low (52W)

$24.26 / $18.88

Beta

0.84

Valuation

Stock P/E

10.66

Industry PE

12.01

Forward P/E

10.02

PEG Ratio

4.15

Book Value

$12.80

Price to Book

1.87

P/S

3.98

EV/EBITDA

Dividend Yield

3.17%

Profitability & Returns

ROCE

ROE

19.04%

ROA

1.87%

Profit Margin

38.22%

Op Margin

47.80%

EPS (Latest Qtr)

$0.57

EPS (TTM)

$2.25

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$290.00M

Total Assets

$19.13B

Current Assets

Working Capital

Ownership

Promoter Holding

2.01%

Chg in Prom Hold

FII / Inst Holding

100.19%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$3.42B

Total Revenue (TTM)

$932.90M

EBITDA

Free Cash Flow

Operating Cash Flow

$461.42M

Shares Outstanding

154.68M

Gross Margin

0.00%

Payout Ratio

32.89%

Growth (CAGR)

Revenue 5Y

2.75%

Profit 5Y

4.17%

Revenue (YoY)

8.10%

Earnings (YoY)

21.30%

PROS

Excellent profit margin of 38.2%.
Attractive dividend yield of 3.17%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	FBP First BanCorp. R2K	23.98	10.66	$3.71B	3.17%	-	19.04%	2.75%	4.17%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2013	Mar 2014	Jun 2014	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	147.48M	150.94M	151.04M	162.72M	164.77M	165.83M	168.85M	156.10M	178.63M	207.22M	214.67M	214.69M	218.48M	227.13M	237.60M	233.40M	236.09M	230.02M	230.50M	231.67M	-	-	244.11M	239.73M	239.71M	238.11M	252.25M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	64.67M	62.33M	64.83M	62.39M	58.89M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	100.30M	102.89M	106.22M	107.33M	114.26M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	23.24M	22.70M	5.70M	20.23M	25.48M
Net Income	15.94M	17.08M	21.23M	23.20M	25.65M	-34.07M	14.76M	23.34M	21.95M	24.07M	25.54M	28.00M	-10.75M	33.15M	31.03M	36.32M	43.31M	41.29M	46.33M	2.27M	21.26M	28.61M	61.15M	70.56M	75.68M	82.60M	74.69M	74.60M	70.70M	70.66M	82.02M	73.46M	75.84M	-	-	77.06M	80.18M	100.53M	87.10M	88.78M
Diluted EPS	0.08	0.08	0.11	0.11	0.12	-0.16	0.07	0.11	0.10	0.11	0.11	0.13	-0.05	0.15	0.14	0.16	0.20	0.19	0.21	0.01	0.09	0.13	0.28	0.33	0.36	0.41	0.38	0.40	0.39	0.39	0.46	0.44	0.46	-	0.46	0.47	0.50	0.63	-	0.57

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	607.69M	657.65M	711.55M	-	886.57M	897.17M	905.08M	961.67M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	67.32M	226.38M	287.67M	254.22M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	447.58M	397.44M	391.21M	416.73M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	142.51M	94.57M	92.48M	71.87M
Net Income	-275.19M	-524.31M	-82.23M	29.78M	-164.49M	392.29M	21.30M	93.23M	66.96M	201.61M	167.38M	102.27M	-	305.07M	302.86M	298.72M	344.87M
Diluted EPS	-52.22	-10.79	2.18	0.14	-0.80	1.87	0.10	0.43	0.30	0.92	0.76	0.46	-	1.59	1.71	1.81	2.15

Compounded Sales Growth

5 Years:	2.75%
1 Year:	8.10%

Compounded Profit Growth

5 Years:	4.17%
1 Year:	21.30%

Stock Price Performance

1 Year:	+23.10%
6 Months:	+21.93%
3 Months:	+14.43%
1 Month:	+1.43%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	15.59B	13.13B	13.10B	12.66B	12.73B	12.57B	11.92B	12.26B	12.24B	12.61B	18.79B	-	18.63B	18.91B	19.29B	19.13B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	405.73M	704.08M	370.28M	446.57M	946.85M	655.67M	796.11M	752.46M	299.69M	716.39M	586.20M	644.10M	1.49B	-	478.78M	662.23M	1.16B	657.90M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	69.73M	77.72M	71.88M	71.35M
Total Liabilities	-	-	14.54B	11.68B	11.61B	11.44B	11.06B	10.88B	10.14B	10.39B	10.20B	10.38B	16.52B	-	17.31B	17.41B	17.62B	17.17B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	383.76M	661.70M	561.70M	200.00M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	858.76M	661.70M	561.70M	290.00M
Total Equity	-	1.60B	1.06B	1.44B	1.49B	1.22B	1.67B	1.69B	1.79B	1.87B	2.04B	2.23B	2.28B	-	1.33B	1.50B	1.67B	1.97B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	223.66M	223.66M	223.66M	223.66M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	243.25M	237.17M	156.92M	228.85M	341.69M	264.35M	261.89M	199.43M	235.96M	288.32M	294.28M	297.74M	-	440.49M	362.96M	404.15M	448.56M
Investing Cash Flow	-381.79M	3.02B	2.33B	305.08M	-431.45M	254.73M	438.98M	83.19M	-73.26M	-223.26M	-342.97M	-1.24B	-	-681.46M	-78.45M	136.23M	-170.39M
Financing Cash Flow	436.89M	-3.59B	-2.41B	-33.65M	-201.42M	-378.65M	-744.52M	-735.40M	254.00M	-195.26M	106.58M	1.79B	-	-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	-	-20.46M	-22.60M	-10.01M	-11.03M
Free Cash Flow	202.98M	205.18M	143.55M	216.91M	329.90M	242.09M	249.44M	189.06M	226.55M	267.81M	271.81M	281.67M	-	420.03M	340.36M	394.14M	437.52M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-2.06B	182.66M	496.25M	-500.82M
Share Buybacks	-	-	0	0	455.00K	946.00K	1.17M	1.13M	2.50M	2.83M	1.96M	206.00K	216.52M	277.77M	203.24M	102.39M	153.67M
Dividends Paid	43.07M	0	-26.39M	0	0	0	0	223.00K	2.68M	-	-	-	-	-	-	-	-

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	33.2%	25.5%	14.4%	-	34.4%	33.8%	33.0%	35.9%
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%	-	23.0%	20.2%	17.9%	17.5%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

2.01%

Institutions

100.19%

Public Float

102.25%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	14.80%	22.90M	$549.03M
2	Vanguard Portfolio Management LLC	8.41%	13.00M	$311.84M
3	FMR, LLC	6.25%	9.67M	$231.81M
4	State Street Corporation	5.45%	8.44M	$202.32M
5	Dimensional Fund Advisors LP	5.10%	7.89M	$189.28M
6	Vanguard Capital Management LLC	4.51%	6.98M	$167.28M
7	American Century Companies Inc	3.98%	6.16M	$147.61M
8	First Trust Advisors LP	3.14%	4.86M	$116.60M
9	Geode Capital Management, LLC	3.07%	4.75M	$113.80M
10	Alliancebernstein L.P.	2.57%	3.98M	$95.32M

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FBP · Financial Services

First BanCorp.

About

Key Facts

Sector	Financial Services
Industry	Banks - Regional
Headquarters	United States
Employees	3,218
Website	https://www.1firstbank.com

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First BanCorp. FBP R2K

Market & Price

Valuation

Profitability & Returns

Balance Sheet & Liquidity

Ownership

Financial Snapshot

Growth (CAGR)

PROS

CONS

Price Chart

Technical Trend

Fundamental Growth

Peer comparison

Quarterly Results

Profit & Loss (Annual)

Compounded Sales Growth

Compounded Profit Growth

Stock Price Performance

Balance Sheet (Annual)

Cash Flows (Annual)

Ratios (Annual)

Shareholding Pattern

Top Institutional Holders

Analyst View

Latest News

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