First Bancorp Financials

FBP Stock  USD 22.43  0.01  0.04%   
Based on the analysis of First Bancorp's profitability, liquidity, and operating efficiency, First Bancorp is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in March. At this time, First Bancorp's Property Plant And Equipment Gross is relatively stable compared to the past year. As of 02/15/2026, Common Stock Total Equity is likely to grow to about 32.8 M, while Short and Long Term Debt Total is likely to drop slightly above 275.5 M.
 
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First Bancorp Balance Sheet Chart

At this time, First Bancorp's Property Plant And Equipment Gross is relatively stable compared to the past year. As of 02/15/2026, Common Stock Total Equity is likely to grow to about 32.8 M, while Short and Long Term Debt Total is likely to drop slightly above 275.5 M.
Key indicators impacting First Bancorp's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.140.1474
Notably Down
Slightly volatile
Current Ratio0.10.1329
Way Down
Slightly volatile
The financial analysis of First Bancorp is a critical element in measuring its lifeblood. Investors should carefully consider First Bancorp's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

362.11 Million

  
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Understanding current and past First Bancorp Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of First Bancorp's financial statements are interrelated, with each one affecting the others. For example, an increase in First Bancorp's assets may result in an increase in income on the income statement.

First Bancorp Stock Summary

First Bancorp competes with Fulton Financial, Cathay General, BankUnited, First Hawaiian, and Renasant. First BanCorp. operates as a bank holding company for FirstBank Puerto Rico that provides various financial services for retail, commercial, and institutional clients. First BanCorp. was founded in 1948 and is headquartered in San Juan, Puerto Rico. First Bancorp operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 3075 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINPR3186727065
Business Address1519 Ponce de
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.1firstbank.com
Phone787 729 8200
CurrencyUSD - US Dollar

First Bancorp Key Financial Ratios

First Bancorp Key Balance Sheet Accounts

202120222023202420252026 (projected)
Total Assets20.8B18.6B18.9B19.3B19.1B12.8B
Other Current Liab(214.9M)16.1B16.6B16.9B5.5B7.9B
Net Debt(2.2B)455.1M(525K)(597.0M)290M275.5M
Retained Earnings1.4B1.5B1.6B1.8B2.3B2.4B
Cash2.5B478.8M662.2M1.2B1.3B1.4B
Other Assets4.3B6.4B(851.3M)18.1B18.4B19.3B
Net Receivables636.5M69.7M77.7M71.9M82.7M127.4M
Total Liab18.7B17.3B17.4B17.6B17.2B11.6B
Total Current Assets9.6B6.1B6.0B5.8B737.5M700.6M
Accounts Payable180.6M276.7M214.9M231.6M208.4M198.0M
Inventory(796.5M)(1.6B)(2.6B)(1.3B)(1.2B)(1.1B)
Intangible Assets29.9M21.1M13.4M7.0M3.5M3.3M
Net Tangible Assets2.2B2.2B2.0B1.3B1.5B1.9B
Capital Surpluse738.3M486.1M965.7M965.0M963.5M710.2M

First Bancorp Key Income Statement Accounts

The reason investors look at the income statement is to determine what First Bancorp's earnings per share (EPS) will be for research and analysis purposes. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, this information can be used for research and educational purposes even though its price per share may not have changed.
202120222023202420252026 (projected)
Interest Expense64.8M67.3M226.4M287.7M254.2M219.5M
Operating Income427.8M447.6M397.4M391.2M416.7M437.6M
Ebit427.8M447.6M397.4M391.2M449.9M472.4M
Ebitda464.2M478.7M425.7M416.2M416.7M437.6M
Net Income281.0M305.1M302.9M298.7M344.9M362.1M
Income Tax Expense146.8M142.5M94.6M92.5M71.9M75.5M
Total Revenue882.0M953.9M1.1B1.2B1.3B726.4M
Gross Profit882.5M858.2M830.2M843.7M916.4M962.2M
Cost Of Revenue(509K)95.7M293.4M349.0M340.2M367.4M
Income Before Tax427.8M447.6M397.4M391.2M416.7M437.6M
Tax Provision146.8M142.5M122.5M92.5M88.4M70.6M
Net Interest Income729.9M795.3M806.0M807.5M928.6M694.0M
Interest Income794.7M862.6M991.5M1.1B1.3B826.9M

First Bancorp Key Cash Accounts

202120222023202420252026 (projected)
Change In Cash1.0B(2.1B)182.7M496.3M570.7M599.2M
Free Cash Flow386.4M420.0M340.4M394.1M453.3M475.9M
Depreciation36.4M31.1M28.2M25.0M28.7M22.2M
Other Non Cash Items(58.2M)36.3M62.9M57.3M65.9M107.7M
Dividends Paid67.5M87.8M(99.7M)(105.6M)(121.4M)(115.3M)
Capital Expenditures13.3M20.5M22.6M10.0M11.5M18.2M
Net Income281.0M305.1M302.9M298.7M343.5M360.7M
End Period Cash Flow2.5B480.5M663.2M1.2B1.3B1.4B
Change To Netincome84.5M163.8M64.1M95.8M110.2M115.7M
Investments(1.3B)(681.5M)(155.7M)136.2M122.6M116.5M
Net Borrowings(240M)250.1M(269.9M)(97M)(111.6M)(117.1M)

First Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining First Bancorp's current stock value. Our valuation model uses many indicators to compare First Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across First Bancorp competition to find correlations between indicators driving First Bancorp's intrinsic value. More Info.
First Bancorp is one of the top stocks in return on equity category among its peers. It also is one of the top stocks in return on asset category among its peers reporting about  0.09  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for First Bancorp is roughly  10.54 . At this time, First Bancorp's Return On Equity is relatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value First Bancorp by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.
Most indicators from First Bancorp's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into First Bancorp current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.
To learn how to invest in First Stock, please use our How to Invest in First Bancorp guide.As of 02/15/2026, Selling General Administrative is likely to grow to about 350.8 M, while Tax Provision is likely to drop slightly above 70.6 M.
 2023 2024 2025 2026 (projected)
Gross Profit830.2M843.7M916.4M962.2M
Total Revenue1.1B1.2B1.3B726.4M

First Bancorp fundamental ratios Correlations

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0.30.26-0.110.330.30.520.220.070.430.030.460.00.250.1-0.080.00.210.17-0.08-0.27-0.24-0.33-0.35-0.450.22
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0.09-0.090.74-0.12-0.09-0.170.520.38-0.4-0.28-0.22-0.010.3-0.41-0.03-0.270.29-0.07-0.15-0.35-0.25-0.40.74-0.250.11
-0.64-0.6-0.32-0.25-0.21-0.55-0.580.070.01-0.08-0.41-0.170.04-0.1-0.23-0.24-0.37-0.58-0.1-0.4-0.250.92-0.060.53-0.38
-0.73-0.53-0.52-0.24-0.22-0.65-0.81-0.110.03-0.05-0.43-0.25-0.180.02-0.29-0.33-0.56-0.49-0.02-0.19-0.40.92-0.170.74-0.22
-0.26-0.370.6-0.26-0.23-0.410.280.39-0.66-0.38-0.330.130.08-0.580.05-0.350.26-0.35-0.39-0.430.74-0.06-0.170.12-0.02
-0.74-0.66-0.31-0.35-0.36-0.76-0.880.01-0.39-0.3-0.51-0.11-0.41-0.31-0.3-0.45-0.43-0.61-0.36-0.26-0.250.530.740.12-0.13
0.170.30.080.540.490.010.15-0.14-0.02-0.120.180.11-0.310.04-0.110.22-0.030.320.110.440.11-0.38-0.22-0.02-0.13
Click cells to compare fundamentals

First Bancorp Account Relationship Matchups

First Bancorp fundamental ratios Accounts

202120222023202420252026 (projected)
Total Assets20.8B18.6B18.9B19.3B19.1B12.8B
Other Current Liab(214.9M)16.1B16.6B16.9B5.5B7.9B
Net Debt(2.2B)455.1M(525K)(597.0M)290M275.5M
Retained Earnings1.4B1.5B1.6B1.8B2.3B2.4B
Cash2.5B478.8M662.2M1.2B1.3B1.4B
Other Assets4.3B6.4B(851.3M)18.1B18.4B19.3B
Net Receivables636.5M69.7M77.7M71.9M82.7M127.4M
Total Liab18.7B17.3B17.4B17.6B17.2B11.6B
Total Current Assets9.6B6.1B6.0B5.8B737.5M700.6M
Accounts Payable180.6M276.7M214.9M231.6M208.4M198.0M
Inventory(796.5M)(1.6B)(2.6B)(1.3B)(1.2B)(1.1B)
Intangible Assets29.9M21.1M13.4M7.0M3.5M3.3M
Net Tangible Assets2.2B2.2B2.0B1.3B1.5B1.9B
Capital Surpluse738.3M486.1M965.7M965.0M963.5M710.2M

First Bancorp Thematic Clasifications

First Bancorp is part of Aggressive Defence investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Small capitalization, high growth potential companies. Macroaxis small cap, aggressive-outlook picks designed for investors that are willing to accept higher levels of risk to hedge exposure to above-average market volatility
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Today, most investors in First Bancorp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various First Bancorp's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of First Bancorp growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.54

At this time, First Bancorp's Price Earnings To Growth Ratio is relatively stable compared to the past year.

First Bancorp February 15, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of First Bancorp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of First Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of First Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing First Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build First Bancorp's daily price indicators and compare them against related drivers.

Additional Tools for First Stock Analysis

When running First Bancorp's price analysis, check to measure First Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First Bancorp is operating at the current time. Most of First Bancorp's value examination focuses on studying past and present price action to predict the probability of First Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First Bancorp's price. Additionally, you may evaluate how the addition of First Bancorp to your portfolios can decrease your overall portfolio volatility.