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XNYS
FBP
Market cap3.37bUSD
Jun 27, Last price  
20.88USD
1D
-0.85%
1Q
8.75%
Jan 2017
215.89%
Name

First Bancorp

Chart & Performance

D1W1MN
P/E
11.29
P/S
25.80
EPS
1.85
Div Yield, %
2.30%
Shrs. gr., 5y
-5.28%
Rev. gr., 5y
-27.39%
Revenues
131m
-84.86%
495,395,788493,864,229503,326,000602,524,000661,306,000579,578,000516,555,000452,640,000491,739,000526,973,000525,339,000531,402,000523,016,000577,413,000647,738,000698,641,000835,861,00023,573,000863,268,000130,722,000
Net income
299m
-1.37%
114,604,08484,634,26068,136,000109,937,000-322,075,000-430,604,000-82,232,00029,782,000-164,487,000392,287,00021,297,00093,229,00066,956,000201,608,000167,377,000102,273,000281,025,000305,072,000302,864,000298,724,000
CFO
404m
+11.35%
366,968,522221,712,03260,293,000175,914,000243,249,000237,170,000156,923,000228,852,000341,685,000264,353,000261,891,000199,432,000235,964,000288,323,000294,284,000297,738,000399,721,000440,485,000362,963,000404,150,000
Dividend
Aug 29, 20240.16 USD/sh
Earnings
Jul 21, 2025

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.
URL
https://www.1firstbank.com/pr/es/
IPO date
Jan 13, 1987
Employees
3,133
Domiciled in
PR
Incorporated in
PR

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2024‑122023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
130,722
-84.86%
863,268
3,562.10%
23,573
-97.18%
Cost of revenue
49,455
257,636
224,269
Unusual Expense (Income)
NOPBT
81,267
605,632
(200,696)
NOPBT Margin
62.17%
70.16%
Operating Taxes
92,483
94,572
142,512
Tax Rate
113.80%
15.62%
NOPAT
(11,216)
511,060
(343,208)
Net income
298,724
-1.37%
302,864
-0.72%
305,072
8.56%
Dividends
(105,581)
(99,666)
(87,824)
Dividend yield
3.43%
3.42%
3.60%
Proceeds from repurchase of equity
(102,393)
(203,241)
(277,769)
BB yield
3.33%
6.97%
11.38%
Debt
Debt current
566,896
Long-term debt
561,700
716,119
923,953
Deferred revenue
(196,520)
Other long-term liabilities
(561,700)
4,740,604
(627,180)
Net debt
(10,098,021)
(5,578,924)
(10,593,858)
Cash flow
Cash from operating activities
404,150
362,963
440,485
CAPEX
(10,008)
(22,599)
(20,459)
Cash from investing activities
136,232
(78,450)
(681,460)
Cash from financing activities
(44,131)
(101,854)
(1,821,578)
FCF
917,123
(2,737)
(108,146)
Balance
Cash
5,724,717
662,464
5,998,922
Long term investments
4,935,004
5,632,579
6,085,785
Excess cash
10,653,185
6,251,880
12,083,528
Stockholders' equity
1,494,622
1,229,308
1,325,540
Invested Capital
17,798,299
17,680,241
17,447,738
ROIC
2.91%
ROCE
0.42%
3.20%
EV
Common stock shares outstanding
165,543
177,180
191,968
Price
18.59
13.01%
16.45
29.32%
12.72
-7.69%
Market cap
3,077,444
5.59%
2,914,611
19.36%
2,441,833
-16.14%
EV
(7,020,577)
(2,664,313)
(8,152,025)
EBITDA
106,263
633,868
(169,591)
EV/EBITDA
48.07
Interest
287,674
226,376
67,321
Interest/NOPBT
353.99%
37.38%