First BanCorp. (FBP)

First BanCorp. Financials Overview

Financials in millions USD. Fiscal year is January - December.

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	954.21	914.86	878.28	868.86	890.69	916.79
Revenue Growth	7.28%	4.17%	1.08%	-2.45%	-2.85%	69.60%
Net Income Net Income Growth	372.56	344.87	298.72	302.86	305.07	277.34
Earnings Per Share EPS Growth	2.44	2.20	1.82	1.79	1.59	1.37
EPS Growth	28.52%	20.79%	1.90%	12.51%	15.71%	198.73%

Revenue by Segment

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Mortgage Banking Mortgage Banking Growth	88.96	86.69	101.49	94.9	101.73	144.95
Consumer (Retail) Banking Consumer (Retail) Banking Growth	614.54	604.26	551.74	510.84	497.13	331.16
Commercial and Corporate Banking Commercial and Corporate Banking Growth	192.8	177.88	177.6	159.36	168.81	275.49
Treasury and Investments Treasury and Investments Growth	-106.21	-112.57	-111.65	-29.84	-13.69	59.69
United States Operations United States Operations Growth	89.61	85.21	88.24	68.95	80.25	70.91
Virgin Islands Operations Virgin Islands Operations Growth	74.51	73.39	70.86	64.65	56.47	34.6
Total Total Growth	954.21	914.86	878.28	868.86	890.69	916.79

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	561.33	658.6	1,159	663.16	480.51	2,543
Total Debt Total Debt Growth	200	290	561.7	661.7	383.76	183.76
Net Cash (Debt) Net Cash Growth	361.33	368.6	597.72	1.46	96.74	2,359
Net Cash Growth	-13.29%	-38.33%	40727.53%	-98.49%	-95.90%	80.09%
Net Cash Per Share Net Cash Per Share Growth	2.37	2.35	3.65	0.01	0.50	11.69

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	458.19	448.56	404.15	362.96	440.49	399.72
Capital Expenditures CapEx Growth	-17.15	-11.03	-10.01	-22.6	-20.46	-13.35
Free Cash Flow Free Cash Flow Growth	441.05	437.52	394.14	340.36	420.03	386.37
Free Cash Flow Growth	7.52%	11.01%	15.80%	-18.97%	8.71%	37.17%

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Pretax Margin	46.95%	45.55%	44.54%	45.74%	50.25%	46.66%
Profit Margin	39.04%	37.70%	34.01%	34.86%	34.25%	30.65%
FCF Margin	46.22%	47.82%	44.88%	39.17%	47.16%	42.14%

Dividends

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug 12, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share Dividend Per Share Growth	0.800	0.720	0.640	0.560	0.460	0.310
Dividend Per Share Growth	11.43%	12.50%	14.29%	21.74%	48.39%	55.00%
Dividend Yield	2.75%	3.56%	3.47%	3.58%	3.62%	2.34%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug 12, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	12.24	9.41	10.20	9.20	8.00	10.03
Forward PE	11.85	10.11	10.72	11.02	7.89	10.39
P/FCF Ratio	9.99	7.42	7.73	8.18	5.53	7.20
PS Ratio	4.62	3.55	3.47	3.21	2.61	3.03

Data Sources: Fiscal.ai and S&P Global Market Intelligence Last updated: Aug 7, 2026

Financial data is provided by Fiscal.ai and updates within minutes after each earnings release, which is every three months for this company. Revenue segment data is provided by S&P Global Market Intelligence.

Update frequency:

Quarterly

Last checked:

Aug 10, 2026

Data Sources Report a data error