FBP

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First BanCorp.

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Key Metrics

Previous Close: $28.46
52-Week Range: $19.16 – $29.88
Market Cap: $4.31B
P/E (TTM): 11.91
EPS (TTM): 2.37
Dividend Yield: 2.81%

Advanced Metrics

Price/Book: 2.16
PEG Ratio: 4.15
Return on Equity: 19.49%
Return on Assets: 1.95%
Gross Margin: 0.00%
Operating Margin: 49.10%
Profit Margin: 39.04%
Current Ratio: —
Debt/Equity: —
Total Debt: $200.00M
Free Cash Flow: —
Revenue Growth: 9.40%
Earnings Growth: 24.40%
Enterprise Value: $3.95B

FBP Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$886.57M	$897.17M	$905.08M	$961.67M
Selling, General & Admin	$228.88M	$257.64M	$262.75M	$269.17M
Pretax Income	$447.58M	$397.44M	$391.21M	$416.73M
Income Tax	$142.51M	$94.57M	$92.48M	$71.87M
Net Income	$305.07M	$302.86M	$298.72M	$344.87M
Diluted EPS	1.59	1.71	1.81	2.15
Diluted Shares	191.97M	184.85M	165.27M	160.74M

FBP Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$478.78M	$662.23M	$1.16B	$657.90M
Receivables	$69.73M	$77.72M	$71.88M	$71.35M
Total Assets	$18.63B	$18.91B	$19.29B	$19.13B
Long-Term Debt	$383.76M	$661.70M	$561.70M	$200.00M
Total Debt	$858.76M	$661.70M	$561.70M	$290.00M
Total Liabilities	$17.31B	$17.41B	$17.62B	$17.17B
Retained Earnings	$1.48B	$1.65B	$1.81B	$2.01B
Shareholders' Equity	$1.33B	$1.50B	$1.67B	$1.97B
Net Debt	$379.98M	—	—	—

FBP Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$440.49M	$362.96M	$404.15M	$448.56M
Capital Expenditure	-$20.46M	-$22.60M	-$10.01M	-$11.03M
Free Cash Flow	$420.03M	$340.36M	$394.14M	$437.52M
Depreciation & Amortisation	$31.11M	$28.24M	$25.00M	$20.75M
Stock-Based Compensation	$5.41M	$7.80M	$8.71M	$10.10M
Investing Cash Flow	-$681.46M	-$78.45M	$136.23M	-$170.39M
Financing Cash Flow	-$1.82B	-$101.85M	-$44.13M	-$778.98M
Dividends Paid	-$87.82M	-$99.67M	-$105.58M	-$115.52M
Share Repurchases	-$277.77M	-$203.24M	-$102.39M	-$153.67M
Net Change in Cash	-$2.06B	$182.66M	$496.25M	-$500.82M

FBP Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$239.73M	$239.71M	$238.11M	$252.25M	—
Selling, General & Admin	$65.79M	$65.88M	$69.85M	$70.91M	—
Pretax Income	$102.89M	$106.22M	$107.33M	$114.26M	—
Income Tax	$22.70M	$5.70M	$20.23M	$25.48M	—
Net Income	$80.18M	$100.53M	$87.10M	$88.78M	—
Diluted EPS	0.50	0.63	—	0.57	0.62
Diluted Shares	161513	160.09M	—	156.10M	154.16M

FBP Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$1.33B	$735.88M	$898.63M	$657.90M	$550.20M
Receivables	$63.78M	$71.55M	$66.11M	$71.35M	$67.72M
Total Assets	$19.11B	$18.90B	$19.32B	$19.13B	$19.09B
Long-Term Debt	$331.14M	$320.00M	$290.00M	$200.00M	$200.00M
Total Debt	$331.14M	$320.00M	$290.00M	$290.00M	$290.00M
Total Liabilities	$17.33B	$17.05B	$17.40B	$17.17B	$17.12B
Retained Earnings	$1.86B	$1.91B	$1.98B	$2.01B	$2.06B
Shareholders' Equity	$1.78B	$1.85B	$1.92B	$1.97B	$1.97B

FBP Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$108.22M	$95.45M	$137.63M	$107.26M	$121.09M
Capital Expenditure	-$1.49M	-$2.61M	-$2.86M	-$4.08M	-$5.17M
Free Cash Flow	$106.73M	$92.84M	$134.77M	$103.18M	$115.92M
Depreciation & Amortisation	$5.71M	$5.54M	$5.18M	$4.33M	$4.28M
Stock-Based Compensation	$3.74M	$2.14M	$2.11M	$2.11M	$3.92M
Investing Cash Flow	$393.55M	-$368.22M	-$121.87M	-$73.86M	-$62.22M
Financing Cash Flow	-$332.91M	-$318.79M	$147.10M	-$274.38M	-$166.57M
Dividends Paid	-$29.32M	-$29.70M	-$28.48M	-$28.02M	-$32.08M
Share Repurchases	-$24.87M	-$28.66M	-$50.13M	-$50.01M	-$54.63M
Net Change in Cash	$168.86M	-$591.57M	$162.86M	-$240.97M	-$107.70M

Market Snapshot

About

First BanCorp. is a financial holding company headquartered in Puerto Rico that provides comprehensive banking services throughout Puerto Rico, the U.S. Virgin Islands, and Florida. The company operates through its principal subsidiary FirstBank Puerto Rico, offering commercial and consumer banking, mortgage lending, auto financing, and investment services. First BanCorp. serves individuals, businesses, and institutional clients with a strong focus on the Puerto Rican market where it maintains significant market share. The company has navigated economic challenges in Puerto Rico while maintaining a diversified loan portfolio and expanding its presence in select U.S. mainland markets.