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First BanCorp. (FBP)
Financial Services · Banks - Regional · NYSE
First BanCorp. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $673.25M | $650.81M | $707.28M | $766.47M | $804.21M | $915.87M | $918.38M | $929.80M | $938.20M | $1.00B |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $93.23M | $66.96M | $201.61M | $167.38M | $102.27M | $281.02M | $305.07M | $302.86M | $298.72M | $344.87M |
| Net margin | 13.8% | 10.3% | 28.5% | 21.8% | 12.7% | 30.7% | 33.2% | 32.6% | 31.8% | 34.5% |
Source: First BanCorp. SEC filings (10-K). 17 years of history available in the interactive view.
What growth is priced into FBP stock?
At today's market cap of $3.82B, First BanCorp. is priced for free-cash-flow growth of about -3.8% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $437.52M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 9.2%/yr over the last five fiscal years and revenue 4.5%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 17 years of First BanCorp. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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First BanCorp. financial history by metric
About First BanCorp.
First BanCorp. operates as the bank holding company for FirstBank Puerto Rico that provides financial products and services to consumers and commercial customers. It operates through six segments: Mortgage Banking; Consumer (Retail) Banking; Commercial and Corporate Banking; Treasury and Investments; United States Operations; and Virgin Islands Operations. The Mortgage Banking segment engages in the origination, sale, and servicing of various residential mortgage loans; hedging activities; purchase of mortgage loans from branch and mortgage bankers; and origination of residential real estate loans. The Consumer (Retail) Banking segment is involved in consumer lending, commercial lending to small businesses, commercial transaction banking, and deposit-taking activities. The Commercial and Corporate Banking segment offers lending and other services, including commercial lending and commercial deposit-taking activities. The Treasury and Investments segment manages funding; and obtains funds through brokered deposits, advances from the FHLB, and repurchase agreements involving investment securities, among other funding sources. The United States Operations segment provides checking, savings, and money market accounts; retail CDs; internet banking services; residential mortgages; home equity loans and lines of credit; retail deposits; cash management services; remote data capture; automated clearing house transactions; and traditional commercial and industrial, and commercial real estate products, such as lines of credit, term loans, and construction loans. The Virgin Islands Operations segment focuses on consumer and commercial lending, and deposit-taking activities. The company also offers automobile financing and insurance agency services. First BanCorp. was founded in 1948 and is headquartered in San Juan, Puerto Rico.
First BanCorp. — frequently asked questions
What is First BanCorp.'s revenue?
First BanCorp. (FBP) reported revenue of $1.00B for fiscal year 2025, up 6.7% from the prior year, according to its SEC filings.
Is First BanCorp. profitable?
Yes. FBP earned net income of $344.87M in fiscal 2025, a net margin of 34.5%.
What is FBP's P/E ratio?
First BanCorp. trades at a price-to-earnings ratio of about 11.0 based on the latest data in our nightly-refreshed cache.
How fast is First BanCorp. growing?
FBP's revenue grew at roughly 4.5% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does First BanCorp. have?
As of fiscal year 2025, FBP carried roughly $290.00M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is First BanCorp.'s market cap?
First BanCorp. (FBP) has a market capitalization of about $3.82B, based on the latest data in our nightly-refreshed cache.
When does First BanCorp.'s fiscal year end?
FBP's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into FBP stock?
At today's market cap of $3.82B, First BanCorp. is priced for free-cash-flow growth of about -3.8% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $437.52M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 9.2%/yr over the last five fiscal years and revenue 4.5%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from First BanCorp.'s official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.