FIRST BANCORP /PR/
FIRST BANCORP /PR/
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash And Due From Banks | 560 | 549 | 657 | 898 | 735 | 1,327 | 1,158 | 684 | 582 | 681 | 662 | 584 | |||||
Short Term Investments | |||||||||||||||||
Interest Bearing Deposits In Banks | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 0 | 0 | |||||
Other Short Term Investments | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 4 | 3 | 1 | 1 | |||||
Money Market Funds At Carrying Value | 2 | 2 | 1 | 2 | 1 | 1 | 1 | 1 | 4 | 4 | 1 | 1 | |||||
Available For Sale Securities Debt Securities | 4,682 | 4,669 | 4,554 | 4,598 | 4,497 | 4,313 | 4,565 | 4,895 | 4,957 | 5,047 | 5,230 | 5,176 | |||||
Available For Sale Securi… | |||||||||||||||||
Debt Securities Held To Maturity Amortized Cost Af… | 234 | 257 | 265 | 273 | 307 | 312 | 317 | 322 | 343 | 348 | 352 | 357 | |||||
Debt Securities Available For Sale Restricted | - | - | - | - | - | - | - | - | - | - | 0 | 0 | |||||
Equity Securities Fv Ni And Without Readily Determ… | 44 | 46 | 45 | 44 | 45 | 45 | 52 | 52 | 51 | 51 | 50 | 49 | |||||
Financing Receivable Excluding Accrued Interest Af… | - | 12,846 | 12,876 | 12,802 | 12,621 | 12,428 | 12,503 | 12,199 | 12,131 | 12,048 | 11,924 | 11,687 | |||||
Loans Receivable Held For Sale Net Not Part Of Dis… | 15 | 13 | 17 | 13 | 10 | 15 | 15 | 13 | 10 | 12 | 7 | 9 | |||||
Interest Receivable | 71 | 68 | 71 | 66 | 72 | 64 | 72 | 67 | 78 | 73 | 78 | 69 | |||||
Property Plant And Equipment Net | 129 | 128 | 127 | 127 | 128 | 130 | 133 | 136 | 139 | 141 | 142 | 145 | |||||
Real Estate Acquired Through Foreclosure | 7 | 6 | 8 | 9 | 14 | 16 | 17 | 19 | 22 | 29 | 33 | 29 | |||||
Deferred Income Tax Assets Net | 142 | 144 | 149 | 147 | 135 | 134 | 136 | 137 | 143 | 148 | 150 | 151 | |||||
Goodwill | 39 | 39 | 39 | 39 | 39 | 39 | 39 | 39 | 39 | 39 | 39 | 39 | |||||
Finite Lived Intangible Assets Net | 3 | 3 | 3 | 4 | 5 | 6 | 7 | 8 | 10 | 12 | 13 | 15 | |||||
Other Assets | 304 | 317 | 321 | 301 | 289 | 277 | 277 | 286 | 373 | 258 | 229 | 285 | |||||
Assets | 19,241 | 19,086 | 19,133 | 19,321 | 18,898 | 19,107 | 19,293 | 18,859 | 18,881 | 18,891 | 18,910 | 18,595 | |||||
Noninterest Bearing Deposit Liabilities | 5,549 | 5,555 | 5,549 | 5,375 | 5,344 | 5,629 | 5,548 | 5,276 | 5,406 | 5,346 | 5,404 | 5,440 | |||||
Deposits | 16,870 | 16,596 | 16,670 | 16,861 | 16,554 | 16,823 | 16,871 | 16,347 | 16,529 | 16,546 | 16,556 | 16,435 | |||||
Interest Bearing Deposit Liabilities | 11,321 | 11,041 | 11,121 | 11,486 | 11,210 | 11,193 | 11,324 | 11,072 | 11,123 | 11,199 | 11,152 | 10,995 | |||||
Federal Home Loan Bank Advances Long Term | - | - | - | - | - | - | - | 500 | 500 | 500 | - | 500 | |||||
Junior Subordinated Debenture Owed To Unconsolidat… | - | - | - | - | - | - | - | 112 | 162 | 162 | 162 | 162 | |||||
Short Term Borrowings | - | 90 | - | - | - | - | - | - | - | - | - | - | |||||
Long Term Debt | 200 | 200 | 290 | 290 | 320 | 331 | 562 | - | - | - | 662 | - | |||||
Accrued Liabilities And Other Liabilities | 195 | 233 | 206 | 252 | 178 | 174 | 191 | 199 | 199 | 204 | 194 | 195 | |||||
Liabilities | 17,264 | 17,119 | 17,166 | 17,403 | 17,052 | 17,328 | 17,624 | 17,158 | 17,390 | 17,411 | 17,412 | 17,292 | |||||
Securities Sold Under Agreements To Repurchase | - | - | - | - | - | - | - | - | - | - | 0 | 0 | |||||
Advances From Federal Hom… | |||||||||||||||||
Advances From Federal Home Loan Banks | - | - | - | - | - | - | - | - | - | - | 500 | 500 | |||||
Federal Home Loan Bank Advances Maturities Summary… | - | - | - | - | - | - | - | - | - | - | - | 0 | |||||
Common Stock Value | 22 | 22 | 22 | 22 | 22 | 22 | 22 | 22 | 22 | 22 | 22 | 22 | |||||
Additional Paid In Capital | 956 | 953 | 964 | 961 | 960 | 957 | 965 | 963 | 961 | 959 | 966 | 964 | |||||
Retained Earnings Accumulated Deficit | 2,390 | 2,325 | 2,268 | 2,209 | 2,137 | 2,086 | 2,039 | 1,989 | 1,942 | 1,893 | 1,846 | 1,791 | |||||
Treasury Stock Common Value | -1,023 | -972 | -933 | -883 | -833 | -804 | -790 | -790 | -790 | -740 | -697 | -622 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -368 | -361 | -355 | -392 | -441 | -482 | -567 | -484 | -644 | -654 | -639 | -851 | |||||
Stockholders Equity | 1,977 | 1,967 | 1,967 | 1,918 | 1,845 | 1,779 | 1,669 | 1,701 | 1,491 | 1,480 | 1,498 | 1,303 | |||||
Liabilities And Stockholders Equity | 19,241 | 19,086 | 19,133 | 19,321 | 18,898 | 19,107 | 19,293 | 18,859 | 18,881 | 18,891 | 18,910 | 18,595 | |||||
Available For Sale Debt Securities Amortized Cost … | 5,044 | 5,023 | 4,902 | 4,984 | 4,932 | 4,789 | 5,125 | 5,373 | 5,595 | 5,695 | 5,863 | 6,021 | |||||
Debt Securities Available For Sale Allowance For C… | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 1 | 0 | |||||
Held To Maturity Securities Fair Value | 229 | 253 | 262 | 269 | 300 | 306 | 308 | 317 | 334 | 338 | 346 | 343 | |||||
Debt Securities Held To Maturity Allowance For Cre… | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | |||||
Financing Receivable Allowance For Credit Loss Exc… | - | 245 | 249 | 247 | 249 | 247 | 244 | 247 | 255 | 264 | 262 | 264 | |||||
Common Stock Par Or Stated Value Per Share | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | |||||
Common Stock Shares Authorized | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | 2,000 | |||||
Common Stock Shares Issued | 224 | 224 | 224 | 224 | 224 | 224 | 224 | 224 | 224 | 224 | 224 | 224 | |||||
Shares Outstanding | 153 | 155 | 157 | 159 | 162 | 163 | 164 | 164 | 164 | 167 | 169 | 174 | |||||
Statutory Accounting Practices Statutory Amount Av… | 263 | 263 | 263 | 230 | 230 | 230 | 230 | 200 | 200 | 200 | 200 | 168 | |||||
Treasury Stock Common Shares | 71 | 69 | 67 | 65 | 62 | 61 | 60 | 60 | 60 | 57 | 54 | 49 | |||||
Aoci Tax Attributable To Parent | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 9 | 9 | 9 | 9 | 8 | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 0.54% | 10.52% | 20.83% | - | - | - | - | - | - | - | - | - |
| 2025 | 0.39% | 4.92% | 6.17% | 9.90% | 10.45% | 0.61% | -1.25% | 5.89% | 3.20% | -2.65% | 9.94% | 10.18% |
| 2024 | -0.92% | 2.21% | 21.99% | 9.12% | 6.52% | -3.64% | -1.10% | -10.62% | -1.82% | -3.13% | -6.27% | 7.60% |
| 2023 | - | - | - | -5.02% | -11.29% | -13.33% | 11.82% | 17.69% | 23.05% | 1.51% | 1.81% | 8.91% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | 39.31 | 33.49 | 26.34 | 20.31 | 15.97 | 5.13 | 3.43 | 2.71 | 2.42 | 2.53 | 2.76 | 3.26 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 2.42 | 2.28 | 2.15 | 2.08 | 1.90 | 1.85 | 1.81 | 1.85 | 1.88 | 1.82 | 1.71 | 1.68 | |||||
| Free Cash Flow Per Share TTM | 2.87 | 2.88 | 2.74 | 2.70 | 2.55 | 2.37 | 2.40 | 2.30 | 2.27 | 2.04 | 1.93 | 2.07 | |||||
| Dividend Per Share TTM | 0.78 | 0.76 | 0.72 | 0.53 | 0.51 | 0.66 | 0.64 | 0.63 | 0.62 | 0.61 | 0.56 | 0.56 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 78.45% | 77.93% | 77.37% | 76.53% | 75.66% | 74.60% | 73.73% | 64.85% | 65.32% | 66.58% | 68.71% | 81.29% | |||||
| Operating Profit Margin TTM | 39.46% | 38.25% | 37.10% | 36.27% | 35.65% | 35.71% | 35.72% | 35.16% | 36.71% | 37.37% | 38.83% | 42.27% | |||||
| Net Profit Margin TTM | 32.81% | 31.67% | 30.71% | 29.83% | 27.64% | 27.39% | 27.28% | 27.99% | 29.06% | 29.12% | 29.59% | 29.91% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 2.33% | 2.01% | 2.56% | 3.41% | 3.74% | 5.16% | 7.00% | 9.02% | 12.51% | 15.70% | 18.65% | 19.80% | |||||
| Net Income Growth (1Y) | 21.49% | 17.95% | 15.45% | 10.23% | -1.33% | -1.08% | -1.37% | 2.01% | 7.50% | 4.25% | -0.72% | -2.19% | |||||
| EPS Growth (1Y) | 27.36% | 23.78% | 18.76% | 12.84% | 1.16% | 1.48% | 5.80% | 10.33% | 16.61% | 12.40% | 7.32% | 3.84% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 10.74 | 9.22 | 9.45 | 10.35 | 10.65 | 9.98 | 9.81 | 10.85 | 9.16 | 8.97 | 8.87 | 7.34 | |||||
| P/B TTM | 2.02 | 1.67 | 1.66 | 1.80 | 1.77 | 1.70 | 1.75 | 1.93 | 1.91 | 1.85 | 1.79 | 1.67 | |||||
| P/S TTM | 3.52 | 2.92 | 2.90 | 3.09 | 2.94 | 2.73 | 2.67 | 3.04 | 2.66 | 2.61 | 2.63 | 2.20 | |||||
| Market Cap | 4.00B | 3.29B | 3.26B | 3.45B | 3.27B | 3.02B | 2.93B | 3.28B | 2.85B | 2.74B | 2.69B | 2.18B | |||||
| Enterprise Value | 3.64B | 3.03B | 2.89B | 2.84B | 2.85B | 2.02B | 2.33B | 2.60B | 2.26B | 2.06B | 2.69B | 1.59B | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 441.05M | 446.71M | 437.52M | 429.52M | 410.18M | 386.77M | 394.14M | 375.54M | 373.65M | 340.74M | 340.36M | 364.50M | |||||
| Net Debt | -361.33M | -260.90M | -368.60M | -609.57M | -416.71M | -997.13M | -597.72M | -685.37M | -586.28M | -684.52M | -1.46M | -584.91M | |||||
Per-Share and Margin | |||||||||||||||||
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| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
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| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
| Dividends Paid Growth (3Y) | |||||||||||||||||
| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
| Net Income Growth (5Y) | |||||||||||||||||
| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
| Altman D | |||||||||||||||||
| Altman E | |||||||||||||||||
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| ROA TTM | |||||||||||||||||
| ROE TTM | |||||||||||||||||
| NOPAT TTM | |||||||||||||||||
| ROIC TTM | |||||||||||||||||
| Effective Tax Rate TTM | |||||||||||||||||
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| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
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| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
FIRST BANCORP /PR/ (FBP) — SEC Financial Statements & Analysis
FIRST BANCORP /PR/ (FBP) is a state commercial banks company, incorporated in PR. FIRST BANCORP /PR/ trades on NYSE as: FBP. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), FIRST BANCORP /PR/ reported a 2.33% year-over-year revenue growth, a Gross Profit Margin of 78.45% (TTM), a Price-to-Sales (P/S) ratio of 3.52x (TTM), a Price-to-Book (P/B) ratio of 2.02x (TTM), at a market cap of $4.00B. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 2.33%
- Gross Profit Margin TTM
- 78.45%
- P/S TTM
- 3.52x
- P/B TTM
- 2.02x
- Market Cap
- $4.00B
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is FIRST BANCORP /PR/ in?
FIRST BANCORP /PR/ (FBP) operates in the State Commercial Banks industry.
What is FBP's market cap?
FIRST BANCORP /PR/ (FBP) has a market capitalization of $4.00B as of 2026-06-30.
What is FBP's P/E ratio?
FIRST BANCORP /PR/ (FBP)'s trailing twelve month P/E ratio is 10.74x as of 2026-06-30.
What exchange does FBP trade on?
FIRST BANCORP /PR/ (FBP) trades on the NYSE.
Where is FIRST BANCORP /PR/ incorporated?
FIRST BANCORP /PR/ is incorporated in PR.