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First bancorp.FBP.US Overview

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FBP Recent Performance

-0.25%

First bancorp.

0.23%

Avg of Sector

-0.49%

S&P500

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FBP Profile

First BanCorp. operates as a bank holding company for FirstBank Puerto Rico that provides various financial services for retail, commercial, and institutional clients. The company operates through six segments: Commercial and Corporate Banking, Mortgage Banking, Consumer (Retail) Banking, Treasury and Investments, United States Operations, and Virgin Islands Operations. The Commercial and Corporate Banking segment offers commercial loans, including commercial real estate and construction loans and floor plan financings; and other products, such as cash management and business management services. The Mortgage Banking segment engages in the origination, sale, and servicing of various residential mortgage loans; acquisition and sale of mortgages in the secondary markets; and purchase of mortgage loans from other local banks and mortgage bankers. The Consumer (Retail) Banking segment provides auto, boat, credit card, and personal loans; lines of credit; deposit products comprising interest bearing and non-interest bearing checking and savings accounts, individual retirement accounts, and retail certificates of deposit (CDs); and finance leasing and insurance agency services. The Treasury and Investments segment offers funding and liquidity management services. The United States Operations segment provides checking, savings, and money market accounts, as well as retail CDs; traditional commercial and industrial, and commercial real estate loans; and internet banking, cash management, remote deposit capture, and automated clearing house, and transactions services. The Virgin Islands Operations segment is involved in consumer, commercial lending, and deposit-taking activities. The company operates 64 branches in Puerto Rico, 8 branches in the U.S. Virgin Islands and British Virgin Islands, and 11 branches in the state of Florida. First BanCorp. was founded in 1948 and is headquartered in San Juan, Puerto Rico.

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FBP FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

FBP Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
2.29
PE Ratio (TTM)
10.89
Forward PE
20.75
PS Ratio (TTM)
3.88
PB Ratio
1.91
Price-to-FCF
8.70
METRIC
VALUE
vs. INDUSTRY
Gross Margin
92.46%
Net Margin
35.31%
Revenue Growth (YoY)
14.35%
Profit Growth (YoY)
5.73%
3-Year Revenue Growth
13.48%
3-Year Profit Growth
3.60%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
2.29
PE Ratio (TTM)
10.89
Forward PE
20.75
PS Ratio (TTM)
3.88
PB Ratio
1.91
Price-to-FCF
8.70
Gross Margin
92.46%
Net Margin
35.31%
Revenue Growth (YoY)
14.35%
Profit Growth (YoY)
5.73%
3-Year Revenue Growth
13.48%
3-Year Profit Growth
3.60%

  • When is FBP's latest earnings report released?

    The most recent financial report for First bancorp. (FBP) covers the period of 2026Q1 and was published on 2026/03/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating FBP's short-term business performance and financial health. For the latest updates on FBP's earnings releases, visit this page regularly.

  • Where does FBP fall in the P/E River chart?

    According to historical valuation range analysis, First bancorp. (FBP)'s current price-to-earnings (P/E) ratio is 9.34, placing it in the Value zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of FBP?

    According to the latest financial report, First bancorp. (FBP) reported an Operating Profit of 114.26M with an Operating Margin of 35.88% this period, representing a growth of 13.92% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is FBP's revenue growth?

    In the latest financial report, First bancorp. (FBP) announced revenue of 318.47M, with a Year-Over-Year growth rate of 42.61%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much cash does FBP have?

    At the end of the period, First bancorp. (FBP) held Total Cash and Cash Equivalents of 549.2M, accounting for 0.03 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does FBP go with three margins increasing?

    In the latest report, First bancorp. (FBP) achieved the “three margins increasing” benchmark, with a gross margin of 76.08%%, operating margin of 35.88%%, and net margin of 27.88%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess FBP's profit trajectory and future growth potential.

  • Is FBP's EPS continuing to grow?

    According to the past four quarterly reports, First bancorp. (FBP)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.57. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of FBP?

    First bancorp. (FBP)'s Free Cash Flow (FCF) for the period is 103.21M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 8.39% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of FBP?

    The latest valuation data shows First bancorp. (FBP) has a Price-To-Earnings (PE) ratio of 9.34 and a Price/Earnings-To-Growth (PEG) ratio of 5.23. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.