Symbols / FBP Stock $23.41 -3.78% First BanCorp.

Financial Services • Banks - Regional • United States • NYQ
FBP (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Aurelio Aleman-Bermudez
Exch · Country NYQ · United States
Market Cap 3.62B
Enterprise Value 3.34B
Income 356.58M
Sales 932.90M
FCF (ttm) —
Book/sh 12.64
Cash/sh 3.58
Employees 3,218
Insider 10d —
IPO Jan 13, 1987
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 33.49%
P/E 10.89
Forward P/E 9.95
PEG 4.15
P/S 3.88
P/B 1.85
P/C —
EV/EBITDA —
EV/Sales 3.58
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 2.15
EPS next Y 2.35
EPS Growth 21.30%
Revenue Growth 8.10%
EPS Gr Q/Q 15.20%
Rev Gr Q/Q —
Earnings (next) 2026-07-21
Earnings (prior) 2026-04-22
ROA 1.87%
ROE 19.04%
ROIC —
Gross Margin 0.00%
Oper. Margin 47.80%
Profit Margin 38.22%
Shs Outstand 154.69M
Shs Float 149.78M
Insider Own 2.01%
Instit Own 101.04%
Short Float 8.00%
Short Ratio 6.04
Short Interest 8.38M
52W High 24.36
vs 52W High -3.90%
52W Low 19.16
vs 52W Low 22.18%
Beta 0.83
Impl. Vol. 9.38%
Rel Volume 0.82
Avg Volume 1.50M
Volume 1.24M
Target (mean) $25.50
Tgt Median $26.00
Tgt Low $24.00
Tgt High $26.00
# Analysts 6
Recom Buy
Prev Close $24.33
Price $23.41
Change -3.78%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$25.50
Mean price target
2. Current target
$23.41
Latest analyst target
3. DCF / Fair value
$32.25
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$23.41
Low
$24.00
High
$26.00
Mean
$25.50

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-23 main Truist Securities Buy → Buy $26
2026-04-23 main Piper Sandler Neutral → Neutral $25
2026-04-23 main Keefe, Bruyette & Woods Market Perform → Market Perform $26
2026-04-23 main Wells Fargo Overweight → Overweight $26
2026-03-30 main Wells Fargo Overweight → Overweight $24
2026-01-30 reit Piper Sandler Neutral → Neutral $24
2026-01-29 main Truist Securities Buy → Buy $25
2026-01-28 main Keefe, Bruyette & Woods Market Perform → Market Perform $25
2025-10-27 main Truist Securities Buy → Buy $24
2025-10-27 main Wells Fargo Overweight → Overweight $23
2025-10-27 down Keefe, Bruyette & Woods Outperform → Market Perform $24
2025-10-09 init Truist Securities — → Buy $25
2025-07-10 main Wells Fargo Overweight → Overweight $25
2025-04-28 main Wells Fargo Overweight → Overweight $22
2025-04-09 up Wells Fargo Equal-Weight → Overweight $20
2025-01-24 main Keefe, Bruyette & Woods Outperform → Outperform $26
2025-01-06 main Wells Fargo Equal-Weight → Equal-Weight $20
2024-12-04 main Keefe, Bruyette & Woods Outperform → Outperform $25
2024-12-03 main Wells Fargo Equal-Weight → Equal-Weight $22
2024-10-24 main Wells Fargo Equal-Weight → Equal-Weight $20
News
RSS: Latest FBP news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-31 EAVES PATRICIA Director — 1,872 $21.36 $39,986
2026-03-19 BERGES-GONZALEZ ORLANDO Chief Financial Officer — 13,980 $20.59 $287,848
2026-03-19 RIVERA NAYDA Officer — 13,576 $20.59 $279,530
2026-03-19 ALEMAN-BERMUDEZ AURELIO Chief Executive Officer — 58,318 $20.59 $1,200,768
2026-03-19 MCDONALD MICHAEL T Officer — 7,613 $20.59 $156,752
2026-03-19 DIAZ-BENTO LILIAN Officer — 9,689 $20.59 $199,497
2026-03-19 PAVIA JUAN CARLOS Chief Operating Officer — 11,583 $20.59 $238,494
2026-03-19 LACASA JOSE MARIA Officer — 10,693 $20.59 $220,169
2026-03-19 ORTIZ SAID Officer — 9,471 $20.59 $195,008
2026-03-16 BERGES-GONZALEZ ORLANDO Chief Financial Officer — 28,595 — —
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
961.67
+6.25%
905.08
+0.88%
897.17
+1.20%
886.57
Operating Revenue
961.67
+6.25%
905.08
+0.88%
897.17
+1.20%
886.57
Selling General And Administration
269.17
+2.44%
262.75
+1.99%
257.64
+12.56%
228.88
Selling And Marketing Expense
16.60
-5.92%
17.64
-10.09%
19.63
+7.65%
18.23
General And Administrative Expense
252.57
+3.04%
245.11
+2.98%
238.01
+12.99%
210.65
Salaries And Wages
244.90
+4.08%
235.29
+5.45%
223.14
+9.11%
204.50
Other Gand A
—
—
—
1.50
Reconciled Depreciation
20.75
-16.97%
25.00
-11.47%
28.24
-9.22%
31.11
Total Unusual Items
1.54
-79.66%
7.58
-38.18%
12.26
+81.59%
6.75
Total Unusual Items Excluding Goodwill
1.54
-79.66%
7.58
-38.18%
12.26
+81.59%
6.75
Special Income Charges
0.02
-84.47%
0.10
-97.99%
5.12
+454.00%
0.92
Other Special Charges
-0.02
+84.47%
-0.10
+97.07%
-3.51
-280.30%
-0.92
Restructuring And Mergern Acquisition
—
—
0.00
0.00
Net Income
344.87
+15.45%
298.72
-1.37%
302.86
-0.72%
305.07
Pretax Income
416.73
+6.53%
391.21
-1.57%
397.44
-11.20%
447.58
Net Interest Income
868.94
+7.61%
807.48
+1.30%
797.11
+0.23%
795.29
Interest Expense
254.22
-11.63%
287.67
+27.08%
226.38
+236.26%
67.32
Interest Income
1,123.16
+2.56%
1,095.15
+7.00%
1,023.49
+18.65%
862.61
Gain On Sale Of Security
-0.06
-104.21%
1.43
-76.58%
6.09
+2991.37%
0.20
Tax Provision
71.87
-22.29%
92.48
-2.21%
94.57
-33.64%
142.51
Tax Rate For Calcs
0.00
-27.12%
0.00
-0.84%
0.00
-25.16%
0.00
Tax Effect Of Unusual Items
0.27
-85.18%
1.79
-38.70%
2.92
+35.90%
2.15
Net Income Including Noncontrolling Interests
344.87
+15.45%
298.72
-1.37%
302.86
-0.72%
305.07
Net Income From Continuing Operation Net Minority Interest
344.87
+15.45%
298.72
-1.37%
302.86
-0.72%
305.07
Net Income From Continuing And Discontinued Operation
344.87
+15.45%
298.72
-1.37%
302.86
-0.72%
305.07
Net Income Continuous Operations
344.87
+15.45%
298.72
-1.37%
302.86
-0.72%
305.07
Normalized Income
343.59
+17.29%
292.94
-0.20%
293.52
-2.31%
300.47
Net Income Common Stockholders
344.87
+15.45%
298.72
-1.37%
302.86
-0.72%
305.07
Otherunder Preferred Stock Dividend
—
—
—
—
Diluted EPS
—
1.81
+5.85%
1.71
+7.55%
1.59
Basic EPS
—
1.82
+5.81%
1.72
+7.50%
1.60
Basic Average Shares
—
164.55
-6.77%
176.50
-7.50%
190.81
Diluted Average Shares
—
165.27
-10.59%
184.85
-3.71%
191.97
Diluted NI Availto Com Stockholders
344.87
+15.45%
298.72
-1.37%
302.86
-0.72%
305.07
Amortization
3.51
-45.31%
6.42
-17.05%
7.74
-12.26%
8.82
Amortization Of Intangibles Income Statement
3.51
-45.31%
6.42
-17.05%
7.74
-12.26%
8.82
Depreciation Amortization Depletion Income Statement
3.51
-45.31%
6.42
-17.05%
7.74
-12.26%
8.82
Depreciation And Amortization In Income Statement
3.51
-45.31%
6.42
-17.05%
7.74
-12.26%
8.82
Insurance And Claims
7.67
-21.90%
9.82
-33.99%
14.87
+141.88%
6.15
Occupancy And Equipment
88.91
+0.55%
88.43
+2.93%
85.91
-2.68%
88.28
Other Non Interest Expense
49.47
+8.59%
45.56
+11.89%
40.72
+8.08%
37.67
Preferred Stock Dividends
—
—
—
—
Professional Expense And Contract Services Expense
48.11
-2.72%
49.45
+7.88%
45.84
-4.19%
47.85
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
19,132.89
-0.83%
19,292.92
+2.03%
18,909.55
+1.48%
18,634.48
Cash And Cash Equivalents
657.90
-43.22%
1,158.71
+74.97%
662.23
+38.32%
478.78
Other Short Term Investments
1,824.53
+65.88%
1,099.90
-78.97%
5,230.92
-5.24%
5,520.14
Receivables
71.35
-0.74%
71.88
-7.51%
77.72
+11.45%
69.73
Accounts Receivable
71.35
-0.74%
71.88
-7.51%
77.72
+11.45%
69.73
Net PPE
126.92
-4.88%
133.44
-6.04%
142.02
-0.64%
142.94
Gross PPE
411.75
+0.88%
408.17
-2.79%
419.87
+3.12%
407.17
Accumulated Depreciation
-284.83
-3.68%
-274.73
+1.12%
-277.85
-5.15%
-264.23
Land And Improvements
29.96
+0.00%
29.96
+0.00%
29.96
+22.38%
24.48
Buildings And Improvements
144.27
-0.46%
144.94
+1.02%
143.47
+5.65%
135.80
Machinery Furniture Equipment
155.06
+1.62%
152.59
-5.74%
161.89
+4.06%
155.57
Construction In Progress
4.34
+266.92%
1.18
-82.73%
6.85
-54.13%
14.92
Leases
78.12
-1.73%
79.50
+2.31%
77.70
+1.72%
76.39
Goodwill And Other Intangible Assets
42.07
-7.70%
45.58
-12.34%
51.99
-12.95%
59.73
Goodwill
38.61
+0.00%
38.61
+0.00%
38.61
+0.00%
38.61
Other Intangible Assets
3.46
-50.37%
6.97
-47.94%
13.38
-36.63%
21.12
Investments And Advances
2,133.85
+45.27%
1,468.90
-73.92%
5,632.58
-6.20%
6,004.68
Total Liabilities Net Minority Interest
17,166.03
-2.60%
17,623.69
+1.22%
17,411.94
+0.60%
17,308.94
Payables And Accrued Expenses
—
—
—
231.58
Payables
—
—
—
231.58
Accounts Payable
—
—
—
231.58
Current Debt And Capital Lease Obligation
90.00
—
0.00
-100.00%
475.00
Current Debt
90.00
—
0.00
-100.00%
475.00
Other Current Borrowings
90.00
—
0.00
-100.00%
475.00
Long Term Debt And Capital Lease Obligation
200.00
-64.39%
561.70
-15.11%
661.70
+72.42%
383.76
Long Term Debt
200.00
-64.39%
561.70
-15.11%
661.70
+72.42%
383.76
Stockholders Equity
1,966.87
+17.83%
1,669.24
+11.46%
1,497.61
+12.98%
1,325.54
Common Stock Equity
1,966.87
+17.83%
1,669.24
+11.46%
1,497.61
+12.98%
1,325.54
Capital Stock
22.37
+0.00%
22.37
+0.00%
22.37
+0.00%
22.37
Common Stock
22.37
+0.00%
22.37
+0.00%
22.37
+0.00%
22.37
Preferred Stock
—
—
—
—
Share Issued
223.66
+0.00%
223.66
+0.00%
223.66
+0.00%
223.66
Ordinary Shares Number
156.62
-4.42%
163.87
-3.21%
169.30
-7.34%
182.71
Treasury Shares Number
67.04
+12.12%
59.79
+10.00%
54.36
+32.73%
40.95
Additional Paid In Capital
963.54
-0.15%
964.96
-0.08%
965.71
-0.52%
970.72
Retained Earnings
2,005.48
+10.88%
1,808.63
+9.84%
1,646.54
+11.57%
1,475.72
Gains Losses Not Affecting Retained Earnings
-92.02
+72.65%
-336.38
+23.48%
-439.59
+30.91%
-636.29
Treasury Stock
932.50
+17.99%
790.35
+13.33%
697.41
+37.56%
506.98
Other Equity Adjustments
-92.02
+72.65%
-336.38
+23.48%
-439.59
+30.91%
-636.29
Total Equity Gross Minority Interest
1,966.87
+17.83%
1,669.24
+11.46%
1,497.61
+12.98%
1,325.54
Total Capitalization
2,166.86
-2.87%
2,230.94
+3.32%
2,159.31
+26.33%
1,709.30
Invested Capital
2,256.86
+1.16%
2,230.94
+3.32%
2,159.31
-1.14%
2,184.30
Total Debt
290.00
-48.37%
561.70
-15.11%
661.70
-22.95%
858.76
Net Debt
—
—
—
379.98
Net Tangible Assets
1,924.80
+18.55%
1,623.66
+12.32%
1,445.62
+14.20%
1,265.81
Tangible Book Value
1,924.80
+18.55%
1,623.66
+12.32%
1,445.62
+14.20%
1,265.81
Available For Sale Securities
44.75
-13.97%
52.02
+4.72%
49.67
-10.15%
55.29
Cash Cash Equivalents And Federal Funds Sold
657.90
-43.22%
1,158.71
+74.97%
662.23
+38.32%
478.78
Held To Maturity Securities
264.56
-16.54%
316.98
-9.94%
351.98
-18.00%
429.25
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
448.56
+10.99%
404.15
+11.35%
362.96
-17.60%
440.49
Cash Flow From Continuing Operating Activities
448.56
+10.99%
404.15
+11.35%
362.96
-17.60%
440.49
Net Income From Continuing Operations
344.87
+15.45%
298.72
-1.37%
302.86
-0.72%
305.07
Depreciation Amortization Depletion
20.75
-16.97%
25.00
-11.47%
28.24
-9.22%
31.11
Depreciation
17.24
-7.19%
18.58
-9.37%
20.50
-8.02%
22.29
Amortization Cash Flow
3.51
-45.31%
6.42
-17.05%
7.74
-12.26%
8.82
Depreciation And Amortization
20.75
-16.97%
25.00
-11.47%
28.24
-9.22%
31.11
Amortization Of Intangibles
3.51
-45.31%
6.42
-17.05%
7.74
-12.26%
8.82
Other Non Cash Items
4.20
+206.60%
-3.94
-243.99%
2.74
-86.55%
20.34
Stock Based Compensation
10.10
+15.97%
8.71
+11.63%
7.80
+44.24%
5.41
Deferred Tax
-12.42
-187.91%
14.13
+131.47%
6.11
-88.74%
54.22
Deferred Income Tax
-12.42
-187.91%
14.13
+131.47%
6.11
-88.74%
54.22
Operating Gains Losses
-5.89
-44.76%
-4.07
+41.85%
-6.99
+4.25%
-7.30
Gain Loss On Investment Securities
—
—
—
0.00
Gain Loss On Sale Of PPE
-0.02
+84.47%
-0.10
+97.07%
-3.51
-397.73%
-0.71
Change In Working Capital
4.90
+1740.60%
0.27
+100.59%
-44.92
-636.89%
8.37
Change In Receivables
-11.09
-298.07%
5.60
+202.96%
-5.44
+52.05%
-11.34
Changes In Account Receivables
-11.09
-298.07%
5.60
+202.96%
-5.44
+52.05%
-11.34
Change In Payables And Accrued Expense
2.75
-48.77%
5.36
-70.93%
18.43
+980.30%
1.71
Change In Payable
2.75
-48.77%
5.36
-70.93%
18.43
+980.30%
1.71
Change In Account Payable
2.75
-48.77%
5.36
-70.93%
18.43
+980.30%
1.71
Change In Other Current Assets
11.03
+204.92%
-10.51
+36.74%
-16.62
-581.95%
-2.44
Change In Other Current Liabilities
2.21
+1354.55%
-0.18
+99.57%
-41.29
-302.04%
20.44
Investing Cash Flow
-170.39
-225.07%
136.23
+273.65%
-78.45
+88.49%
-681.46
Cash Flow From Continuing Investing Activities
-170.39
-225.07%
136.23
+273.65%
-78.45
+88.49%
-681.46
Net PPE Purchase And Sale
-11.01
-27.18%
-8.65
+52.25%
-18.12
+5.91%
-19.26
Purchase Of PPE
-11.03
-10.23%
-10.01
+55.71%
-22.60
-10.46%
-20.46
Sale Of PPE
0.03
-98.15%
1.35
-69.77%
4.47
+274.16%
1.20
Capital Expenditure
-11.03
-10.23%
-10.01
+55.71%
-22.60
-10.46%
-20.46
Net Investment Purchase And Sale
286.54
-62.64%
766.89
+20.61%
635.82
+481.20%
-166.79
Purchase Of Investment
-1,938.09
-621.69%
-268.55
-4820.26%
-5.46
+99.34%
-825.75
Sale Of Investment
2,224.63
+114.85%
1,035.43
+61.46%
641.27
-2.68%
658.96
Net Business Purchase And Sale
—
—
0.00
0.00
Purchase Of Business
—
—
0.00
0.00
Net Other Investing Changes
55.37
-14.82%
65.01
+19.60%
54.35
+17.44%
46.28
Financing Cash Flow
-778.98
-1665.15%
-44.13
+56.67%
-101.85
+94.41%
-1,821.58
Cash Flow From Continuing Financing Activities
-778.98
-1665.15%
-44.13
+56.67%
-101.85
+94.41%
-1,821.58
Net Issuance Payments Of Debt
-269.85
-178.20%
-97.00
+64.06%
-269.93
-207.91%
250.13
Issuance Of Debt
0.00
0.00
-100.00%
300.00
+50.00%
200.00
Repayment Of Debt
-269.85
-178.20%
-97.00
-390.02%
-19.80
+96.04%
-500.00
Long Term Debt Issuance
0.00
0.00
-100.00%
300.00
+50.00%
200.00
Long Term Debt Payments
-269.85
-178.20%
-97.00
-390.02%
-19.80
+96.04%
-500.00
Net Long Term Debt Issuance
-269.85
-178.20%
-97.00
-134.62%
280.20
+193.40%
-300.00
Short Term Debt Issuance
—
—
—
550.13
Short Term Debt Payments
—
—
—
—
Net Short Term Debt Issuance
0.00
0.00
+100.00%
-550.13
-200.00%
550.13
Net Common Stock Issuance
-153.67
-50.08%
-102.39
+49.62%
-203.24
+26.83%
-277.77
Common Stock Payments
-153.67
-50.08%
-102.39
+49.62%
-203.24
+26.83%
-277.77
Common Stock Dividend Paid
-115.52
-9.41%
-105.58
-5.93%
-99.67
-13.48%
-87.82
Cash Dividends Paid
-115.52
-9.41%
-105.58
-5.93%
-99.67
-13.48%
-87.82
Repurchase Of Capital Stock
-153.67
-50.08%
-102.39
+49.62%
-203.24
+26.83%
-277.77
Changes In Cash
-500.82
-200.92%
496.25
+171.68%
182.66
+108.86%
-2,062.55
Beginning Cash Position
1,159.41
+74.83%
663.16
+38.01%
480.50
-81.11%
2,543.06
End Cash Position
658.60
-43.20%
1,159.41
+74.83%
663.16
+38.01%
480.50
Free Cash Flow
437.52
+11.01%
394.14
+15.80%
340.36
-18.97%
420.03
Interest Paid Supplemental Data
250.81
-10.98%
281.73
+35.56%
207.83
+214.96%
65.99
Income Tax Paid Supplemental Data
72.50
-22.23%
93.23
-14.87%
109.51
+111.42%
51.80
Net Preferred Stock Issuance
—
—
0.00
0.00
Preferred Stock Dividend Paid
—
—
0.00
0.00
Preferred Stock Payments
—
—
0.00
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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