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Stocks · Financials · State Commercial Banks

FIRST BANCORP /PR/

FBP Clue Score62
United States Fiscal year ends December CIK 0001057706
$26.68 +0.04% Close, 9 Oct 2026
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Price $26.68 +97.92% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue0.67Net income0.09EPS, diluted0.43Fiscal year 2017Revenue0.65 −3.3%Net income0.07 −28.2%EPS, diluted0.30Fiscal year 2018Revenue0.61 −6.6%Net income0.20 +201.1%EPS, diluted0.92Fiscal year 2019Revenue0.66 +8.2%Net income0.17 −17.0%EPS, diluted0.76Fiscal year 2020Revenue0.71 +8.2%Net income0.10 −38.9%EPS, diluted0.46Fiscal year 2021Revenue0.85 +19.6%Net income0.28 +174.8%EPS, diluted1.31Fiscal year 2022Revenue0.92 +7.9%Net income0.31 +8.6%EPS, diluted1.59Fiscal year 2023Revenue0.93 +1.2%Net income0.30 −0.7%EPS, diluted1.71Fiscal year 2024Revenue0.94 +0.9%Net income0.30 −1.4%EPS, diluted1.81Fiscal year 2025Revenue1.00 +6.7%Net income0.34 +15.4%EPS, diluted2.15
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 0.67 0.65 0.61 0.66 0.71 0.85 0.92 0.93 0.94 1.00
Growth −3.3% −6.6% +8.2% +8.2% +19.6% +7.9% +1.2% +0.9% +6.7%
Net income 0.09 0.07 0.20 0.17 0.10 0.28 0.31 0.30 0.30 0.34
Growth −28.2% +201.1% −17.0% −38.9% +174.8% +8.6% −0.7% −1.4% +15.4%
EPS, diluted 0.43 0.30 0.92 0.76 0.46 1.31 1.59 1.71 1.81 2.15

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin13.8%Free cash flow margin28.1%Fiscal year 2017Net margin10.3%Free cash flow margin34.8%Fiscal year 2018Net margin33.2%Free cash flow margin44.1%Fiscal year 2019Net margin25.5%Free cash flow margin41.3%Fiscal year 2020Net margin14.4%Free cash flow margin39.6%Fiscal year 2021Net margin33.0%Free cash flow margin45.4%Fiscal year 2022Net margin33.2%Free cash flow margin45.7%Fiscal year 2023Net margin32.6%Free cash flow margin36.6%Fiscal year 2024Net margin31.8%Free cash flow margin42.0%Fiscal year 2025Net margin34.5%Free cash flow margin43.7%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 13.8% 10.3% 33.2% 25.5% 14.4% 33.0% 33.2% 32.6% 31.8% 34.5%
Free cash flow margin 28.1% 34.8% 44.1% 41.3% 39.6% 45.4% 45.7% 36.6% 42.0% 43.7%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow0.20Capital expenditure−0.01Free cash flow0.19Buybacks−0.00Dividends paid0.00Fiscal year 2017Operating cash flow0.24Capital expenditure−0.01Free cash flow0.23 +19.8%Buybacks−0.00Dividends paid0.00Fiscal year 2018Operating cash flow0.29Capital expenditure−0.02Free cash flow0.27 +18.2%Buybacks−0.00Dividends paid−0.01Fiscal year 2019Operating cash flow0.29Capital expenditure−0.02Free cash flow0.27 +1.5%Buybacks−0.00Dividends paid−0.03Fiscal year 2020Operating cash flow0.30Capital expenditure−0.02Free cash flow0.28 +3.6%Buybacks−0.00Dividends paid−0.04Fiscal year 2021Operating cash flow0.40Capital expenditure−0.01Free cash flow0.39 +37.2%Buybacks−0.22Dividends paid−0.07Fiscal year 2022Operating cash flow0.44Capital expenditure−0.02Free cash flow0.42 +8.7%Buybacks−0.28Dividends paid−0.09Fiscal year 2023Operating cash flow0.36Capital expenditure−0.02Free cash flow0.34 −19.0%Buybacks−0.20Dividends paid−0.10Fiscal year 2024Operating cash flow0.40Capital expenditure−0.01Free cash flow0.39 +15.8%Buybacks−0.10Dividends paid−0.11Fiscal year 2025Operating cash flow0.45Capital expenditure−0.01Free cash flow0.44 +11.0%Buybacks−0.15Dividends paid−0.12
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.20 0.24 0.29 0.29 0.30 0.40 0.44 0.36 0.40 0.45
Capital expenditure −0.01 −0.01 −0.02 −0.02 −0.02 −0.01 −0.02 −0.02 −0.01 −0.01
Free cash flow 0.19 0.23 0.27 0.27 0.28 0.39 0.42 0.34 0.39 0.44
Growth +19.8% +18.2% +1.5% +3.6% +37.2% +8.7% −19.0% +15.8% +11.0%
Buybacks −0.00 −0.00 −0.00 −0.00 −0.00 −0.22 −0.28 −0.20 −0.10 −0.15
Dividends paid 0.00 0.00 −0.01 −0.03 −0.04 −0.07 −0.09 −0.10 −0.11 −0.12

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash0.30Shareholders’ equity1.79Fiscal year 2017Cash0.72Shareholders’ equity1.87Fiscal year 2018Cash0.59Shareholders’ equity2.04Fiscal year 2019Cash0.64Shareholders’ equity2.23Fiscal year 2020Cash1.49Shareholders’ equity2.28Fiscal year 2021Cash2.54Shareholders’ equity2.10Fiscal year 2022Cash0.48Shareholders’ equity1.33Fiscal year 2023Cash0.66Total debt0.66Net cash (debt)0.00Shareholders’ equity1.50Debt to equity0.44Fiscal year 2024Cash1.16Total debt0.56Net cash (debt)0.60Shareholders’ equity1.67Debt to equity0.34Fiscal year 2025Cash0.66Total debt0.29Net cash (debt)0.37Shareholders’ equity1.97Debt to equity0.15
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 0.30 0.72 0.59 0.64 1.49 2.54 0.48 0.66 1.16 0.66
Total debt n/a n/a n/a n/a n/a n/a n/a 0.66 0.56 0.29
Net cash (debt) n/a n/a n/a n/a n/a n/a n/a 0.00 0.60 0.37
Shareholders’ equity 1.79 1.87 2.04 2.23 2.28 2.10 1.33 1.50 1.67 1.97
Debt to equity n/a n/a n/a n/a n/a n/a n/a 0.44 0.34 0.15

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
19.3% 9.5% 31.4% 36.4% 16.3% 50.3% 48.7% 42.7% 41.7% 41.6%
13.8% 10.3% 33.2% 25.5% 14.4% 33.0% 33.2% 32.6% 31.8% 34.5%
28.1% 34.8% 44.1% 41.3% 39.6% 45.4% 45.7% 36.6% 42.0% 43.7%
Spending
1.5% 1.4% 3.4% 3.4% 2.3% 1.6% 2.2% 2.4% 1.1% 1.1%
−28.4% −8.0% −5.8% 30.1% 12.1% 34.3% 31.8% 23.8% 23.6% 17.2%
Returns
5.2% 3.6% 9.9% 7.5% 4.5% 13.4% 23.0% 20.2% 17.9% 17.5%
0.8% 0.5% 1.6% 1.3% 0.5% 1.4% 1.6% 1.6% 1.5% 1.8%
Balance and payout
n/a n/a n/a n/a n/a n/a n/a 0.44 0.34 0.15
85.0% 84.8% 83.3% 82.3% 87.9% 89.9% 92.9% 92.1% 91.3% 89.7%
0.0% 0.0% 3.2% 18.1% 42.5% 23.1% 28.8% 32.9% 35.3% 33.5%
0.6% 1.1% 3.5% 11.9% 15.5% 72.9% 87.0% 89.0% 52.8% 61.5%