First Bancorp /Pr/
FBP NYSE· State Commercial Banks
Last close · Oct 26, 2026
$27.38
KIRA · Stoqly’s AI analyst, in plain words
- First Bancorp /Pr/ had $1.3B of revenue in fiscal 2025, up 2.4% on the year before. Over five years, revenue changed +9.3% a year on average.
- First Bancorp /Pr/ made $345M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 19.6% a year.
- First Bancorp /Pr/ returned $269M to shareholders in fiscal 2025, 62% of free cash flow. The diluted share count fell 2.7%.
- It earned 19.0% on shareholders’ money. Running costs took 39.7% of revenue (the efficiency ratio; lower is better).
Market cap
$4.2B
P/E
11.6x
Revenue
$1.3B
Net income
$345M
Return on equity
19.0%
Efficiency ratio
39.7%
First Bancorp /Pr/ in 30 seconds · fiscal 2025
Are sales growing?
+2.4%
Only a little. Sales grew 2.4% last year.
Does it make a profit?
27.5%
Yes. It keeps 27.5% of every sale as profit.
How lean are its costs?
39.7%
Lean. Running costs take 39.7% of revenue.
How much does it earn on its capital?
19.0%
Good. It earns 19.0% a year on shareholders’ money.
How is the share priced?
11.6x
One share costs 11.6 times its yearly profit per share.
What First Bancorp /Pr/ does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Legal name
- FIRST BANCORP /PR/
- CIK
- 0001057706
First Bancorp /Pr/ · FBP
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $916M | $986M | $1.2B | $1.2B | $1.3B |
| Revenue growth | 13.9% | 7.6% | 17.3% | 6.0% | 2.4% |
| Net interest income | $730M | $795M | $797M | $807M | $869M |
| Net income | $281M | $305M | $303M | $299M | $345M |
| Net margin | 30.7% | 30.9% | 26.2% | 24.4% | 27.5% |
| Diluted EPS | $1.31 | $1.59 | $1.71 | $1.81 | $2.15 |
| Cash | |||||
| Cash from operations | $400M | $440M | $363M | $404M | $449M |
| Capital expenditure | $13.3M | $20.5M | $22.6M | $10.0M | $11.0M |
| Free cash flow | $386M | $420M | $340M | $394M | $438M |
| FCF margin | 42.2% | 42.6% | 29.4% | 32.2% | 34.9% |
| Dividends paid | $65.0M | $87.8M | $99.7M | $106M | $116M |
| Share buybacks | $217M | $278M | $203M | $102M | $154M |
| Share count change | −2.9% | −9.1% | −7.7% | −6.7% | −2.7% |
| Debt and strength | |||||
| Cash and short-term investments | $2.5B | $481M | $663M | $1.2B | $659M |
| Debt incl. finance leases | — | — | $662M | $562M | $290M |
| Loans, net | $10.8B | $11.3B | $11.9B | $12.5B | $12.9B |
| Deposits | $17.8B | $16.1B | $16.6B | $16.9B | $16.7B |
| Shareholders' equity | $2.1B | $1.3B | $1.5B | $1.7B | $2.0B |
| Returns and quality | |||||
| Return on equity | 12.8% | 17.8% | 21.5% | 18.9% | 19.0% |
| Return on tangible equity | 13.6% | 24.1% | 21.0% | 18.4% | 17.9% |
| Efficiency ratio | 53.4% | 45.0% | 40.8% | 39.7% | 39.7% |
| Piotroski F-score | — | — | — | 6 | 7 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$2.4M
4 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
First Bancorp /Pr/ · FBP
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $27.38 a share, the company is worth $4.2B: 11.6 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001057706). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.