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  4. FIRST BANCORP PR
First Bancorp PR
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First Bancorp PR quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Forecaster Analyst Estimates for First Bancorp PR share price target, revenues, EPS, net income and more

First Bancorp PR quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue First Bancorp PR Jun-2026 Quarterly Revenue is $257 Million which is growth of 7.3% YoY.

  • POSITIVE

    Quarterly Net Profit First Bancorp PR Jun-2026 Quarterly Net Profit is $96 Million which is growth of 19.9% YoY.

First Bancorp PR, Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
257.3252.3238.1239.7239.7244.1221.3229227.6227.2205.7231.5229.2
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
----------7163.460.6
Operating Profit
----------
⌄
-------------
Profit Before Tax
120.2114.3107.3106.2102.9100.39696.4101.497.484.9109100.9
Tax
24.125.520.25.722.723.220.322.725.5245.42730.3
⌄
96.288.887.1100.580.277.175.773.775.873.579.58270.7
Diluted NI Avail to Com Stockholders Ann.
96.288.887.1100.580.277.175.773.775.873.579.58270.7
Basic EPS
0.60.60.60.60.50.50.50.50.50.40.50.50.4
Diluted EPS After ExtraOrdinary
0.60.60.60.60.50.50.50.40.40.40.40.50.4
Number Of Shares End
153.5155.3156.8159.3160.9162.9163.1163.1164.9167.1170.6176.4178.9
Net Income Continuing Discontinued Operations
96.288.887.1100.580.277.175.773.775.873.579.58270.7
Normalized Income
95.588.186.4101.579.776.274.872.773.172.475.380.468.1
Interest Income
287.7279.9285.2282.7278.2277.1279.7274.7272.3268.5265.5263.4252.2
Interest
58.658.962.464.862.364.770.572.672.67268.863.752.4
Net Interest Income
229.1221222.8217.9215.9212.4209.3202.1199.6196.5196.7199.7199.8
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
4.44.34.35.25.55.75.96.16.56.57.17.17
Profit From Continuing Operations
96.288.887.1100.580.277.175.773.775.873.579.58270.7
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD
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First Bancorp PR competitor comparison and performance snapshot within industry

First Bancorp PR annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • POSITIVE

    Annual Revenue First Bancorp PR Dec-2025 Annual Revenue is $962 Million which is growth of 6.3% YoY.

  • POSITIVE

    Annual Net Profit First Bancorp PR Dec-2025 Annual Net Profit is $345 Million which is growth of 15.4% YoY.

First Bancorp PR, Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
2.8%
7.1%
 961.7905.1897.2885.9826683.8622569505.4513.2509.2
Cost Of Rev. Ann.
-
-
 -----------
Gross Profit Ann.
-
-
 -----------
Operating Exp. Ann.
-
-
 ---226.4-67.3-64.8-92.7-108.8-99.6-96.9-101.2-103.3
Operating Profit Ann.
-
-
 --1,123.5953.2890.7776.5730.8668.6602.3614.3612.5
⌄
-
-
 -----------
Other Exp. Ann.
-
-
 -----------
PBT Ann.
-2.4%
29.1%
448416.7391.2397.4447.6427.8116.3239.4190.662130.327.7
Tax Ann.
-20.4%
38.5%
75.571.992.594.6142.5146.814.172-11-5376.4
⌄
4.2%
28.2%
372.6344.9298.7302.9305.1277.399.6164.7198.964.39321.3
Diluted NI Avail to Com Stockholders Ann.
4.2%
28.2%
372.6344.9298.7302.9305.1277.399.6164.7198.964.39321.3
EPS Ann.
11.2%
34.5%
 2.21.81.71.61.30.50.80.90.30.40.1
Diluted EPS Ann.
11.2%
34.5%
 2.21.81.71.61.30.50.80.90.30.40.1
Number Of Shares End
-5%
-6.3%
 156.8163.1170.6183203.3217216.8216.3214.4213.2212.1
Total Exp. Ann.
-
-
 -----------
Net Income Continuing Discontinued Operations Ann.
4.2%
27.5%
372.6344.9298.7302.9305.1281102.3167.4201.66793.221.3
Normalized Income Ann.
4.6%
22%
371.4343.6292.9293.5300.5297.1127185.8208.172.99918.3
Interest Income Ann.
9.2%
10.1%
1,135.51,123.21,095.21,023.5862.6794.7693675.9625588.4585.3605.6
Interest Ann.
55.7%
22.4%
244.7254.2287.7226.467.364.892.7108.899.696.9101.2103.3
EBITDA Ann.
-
-
 -----------
Reconciled Cost Of Rev. Ann.
-
-
 -----------
Reconciled Depr. Ann.
-12.5%
-4.4%
18.220.82528.231.136.42620.718.620.822.626.2
Profit From Continuing Operations Ann.
4.2%
27.5%
372.6344.9298.7302.9305.1281102.3167.4201.66793.221.3
Normalized EBITDA Ann.
-
-
 -----------
*All financials are in USD Million and price data in USD
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Total Rev. Ann.
1Y CHG
6.3%
2Y CAGR
3.5%
3Y CAGR
2.8%
5Y CAGR
7.1%
7Y CAGR
7.8%
10Y CAGR
6.6%
Total Revenue Annual growth is stable compared to historical averages.
Net Profit Ann.
1Y CHG
15.5%
2Y CAGR
6.7%
3Y CAGR
4.2%
5Y CAGR
27.5%
7Y CAGR
8%
10Y CAGR
32.1%
Net Profit Annual growth is stable compared to historical averages.

First Bancorp PR balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund First Bancorp PR Dec-2025 Total Shareholders Fund is $1,967 Million which is growth of 17.8% YoY.

  • NEGATIVE

    Total Assets First Bancorp PR Dec-2025 Total Assets is $19,133 Million which is growth of -0.8% YoY.

First Bancorp PR, Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
0.9%
0.4%
19,132.919,292.918,909.618,634.520,785.318,793.112,611.312,243.612,261.311,922.512,573
⌄
-0.3%
0.8%
17,16617,623.717,411.917,308.918,683.516,517.910,383.210,198.910,392.210,136.210,878.9
⌄
14.1%
-2.6%
1,966.91,669.21,497.61,325.52,101.82,239.12,1922,008.61,8331,750.11,658
Total Capitalization Ann.
-0.3%
-5.7%
2,166.92,230.92,159.32,184.32,485.52,898.92,982.22,968.92,792.72,302.42,275.6
Tangible Assets Ann.
15%
-2.6%
1,924.81,623.71,445.61,265.82,033.22,195.72,228.12,044.71,869.11,786.21,694.1
Working Capital Ann.
-
-
--
Invested Capital Ann.
1.1%
-4.6%
2,256.92,230.92,159.32,184.32,485.52,862.82,946.12,932.82,756.62,636.32,339.5
Tangible Book Value Ann.
15%
-2.3%
1,924.81,623.71,445.61,265.82,033.22,159.62,1922,008.61,8331,750.11,658
Borrowings Ann.
-30.4%
-14.2%
290561.7661.7858.8383.8623.8754.2924.2923.6886.2681.5
Net Debt Ann.
-
-
---380--207.5345.2214.5593.8145.5
Share Issued Ann.
0%
0.1%
223.7223.7223.7223.7223.7223222.1221.8220.4218.7216.1
Number Of Shares End
-5%
-6.3%
156.8163.1170.6183203.3217216.8216.3214.4213.2212.1
*All financials are in USD Million and price data in USD
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Total Assets Ann.
1Y CHG
-0.8%
2Y CAGR
0.6%
3Y CAGR
0.9%
5Y CAGR
0.4%
7Y CAGR
6.6%
10Y CAGR
4.3%
Total Assets Annual is falling faster than historical averages.
Total ShareHolders Funds Ann.
1Y CHG
17.8%
2Y CAGR
14.6%
3Y CAGR
14.1%
5Y CAGR
-2.6%
7Y CAGR
-0.3%
10Y CAGR
1.7%
Total ShareHolders Funds Annual growth is higher than historical averages.

First Bancorp PR ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • POSITIVE

    Book Value Per Share First Bancorp PR Book Value Per Share is $12 which is growth of 6.5% YoY.

  • NEUTRAL

    ROE First Bancorp PR ROE is 0% which is growth of 0% YoY.

First Bancorp PR, Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
-1.56%1.61%1.55%1.40%0.63%1.33%1.62%0.53%0.76%0.17%
ROE Ann. %
-
-
-18.87%21.46%17.80%12.78%4.50%7.84%10.36%3.59%5.46%1.29%
ROIC %
-
-
-----------
OPM Ann. %
-
-
--125.23%107.60%107.84%113.55%117.49%117.50%119.17%119.72%120.29%
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-0.10.10000.10.1000
Working Capital Turnover Ann.
-
-
-----------
Quick Ratio Ann.
-
-
-----------
Current Ratio Ann.
-
-
-----------
Interest Coverage Ratio Ann.
-
-
-----------
LT Debt To Equity Ann.
-
-
-0.30.40.70.20.30.30.50.50.30.4
*All financials are in USD Million and price data in USD
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First Bancorp PR cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • POSITIVE

    Cash From Operating Activity First Bancorp PR Dec-2025 Cash From Operating Activity is $449 Million which is growth of 11.0% YoY.

  • NEGATIVE

    Net Cash Flow First Bancorp PR Dec-2025 Net Cash Flow is $-501 Million which is growth of -200.9% YoY.

First Bancorp PR, Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
0.6%
8.5%
448.6404.2363440.5399.7297.7294.3288.3236199.4261.9
⌄
-
-
-170.4136.2-78.5-681.5-1,263-1,238.9-343-223.3-73.383.2439
⌄
-
-
-779-44.1-101.9-1,821.61,912.51,790.9106.6-195.3254-735.4-744.5
Cash Plus Cash Eqv. End Of Year Ann.
11.1%
-15.1%
658.61,159.4663.2480.52,543.11,493.8644.1586.2716.4299.7752.5
Net Increase In Cash Plus Cash Eqv.s Ann.
-
-
-500.8496.3182.7-2,062.61,049.2849.757.9-130.2416.7-452.8-43.7
Cash Plus Cash Eqv. Begin Of Year Ann.
-23%
12.5%
1,159.4663.2480.52,543.11,493.8644.1586.2716.4299.7752.5796.1
Income Tax Paid Supplemental Data Ann.
-
-
72.593.2---------
Interest Paid Supplemental Data Ann.
-
-
250.8281.7---------
Capex Ann.
-
-
-11-10-22.6-20.5-13.4-16.1-22.5-20.5-9.4-10.4-12.5
Issuance Of Capital Stock Ann.
-
-
-----------
Issuance Of Debt Ann.
-
-
300750.1-2545215130
Repayment Of Debt Ann.
-
-
-269.9-97-19.8-500-240-130.3-220.1-21.4-5.9-7-
Repurchase Of Capital Stock Ann.
-
-
-153.7-102.4-203.2-277.8-252.6-0.2-2-2.8-2.5-1.1-1.2
Free Cash Flow Ann.
1.4%
9.2%
437.5394.1340.4420386.4281.7271.8267.8226.6189.1249.4
*All financials are in USD Million and price data in USD
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Cash from Operating Act. Ann.
1Y CHG
11%
2Y CAGR
11.2%
3Y CAGR
0.6%
5Y CAGR
8.5%
7Y CAGR
6.5%
10Y CAGR
5.5%
Cash from Operating Activity Annual growth is higher than historical averages.
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