FBP - NYSE

First BanCorp.

FBP·NYSE

$23.66

-0.21%

Financial ServicesBanks - Regional

First BanCorp. operates as a bank holding company for FirstBank Puerto Rico that provides various financial services for retail, commercial, and institutional clients. The company operates through six segments: Commercial and Corporate Banking, Mortgage Banking, Consumer (Retail) Banking, Treasury and Investments, United States Operations, and Virgin Islands Operations. The Commercial and Corporate Banking segment offers commercial loans, including commercial real estate and construction loans and floor plan financings; and other products, such as cash management and business management services. The Mortgage Banking segment engages in the origination, sale, and servicing of various residential mortgage loans; acquisition and sale of mortgages in the secondary markets; and purchase of mortgage loans from other local banks and mortgage bankers. The Consumer (Retail) Banking segment provides auto, boat, credit card, and personal loans; lines of credit; deposit products comprising interest bearing and non-interest bearing checking and savings accounts, individual retirement accounts, and retail certificates of deposit (CDs); and finance leasing and insurance agency services. The Treasury and Investments segment offers funding and liquidity management services. The United States Operations segment provides checking, savings, and money market accounts, as well as retail CDs; traditional commercial and industrial, and commercial real estate loans; and internet banking, cash management, remote deposit capture, and automated clearing house, and transactions services. The Virgin Islands Operations segment is involved in consumer, commercial lending, and deposit-taking activities. The company operates 64 branches in Puerto Rico, 8 branches in the U.S. Virgin Islands and British Virgin Islands, and 11 branches in the state of Florida. First BanCorp. was founded in 1948 and is headquartered in San Juan, Puerto Rico.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$3.66B

EPS2.1600

P/E Ratio10.95

Earnings Date07/28/2026

19.13B

Assets

-1%

3Y+3.0%

5Y+2.0%

10Y+60.0%

17.17B

Total Liabilities

-3%

3Y-1.0%

5Y+4.0%

10Y+69.0%

1.97B

Total Equity

18%

3Y+48.0%

5Y-14.0%

10Y+10.0%

First BanCorp. Funding & Solvency Profile

FBP · NYSE

Current Assets

Cash & Cash Equivalents657.15M

Net Receivables71.35M

Inventory0.00

Other Current Assets8.97M

Total Current Assets737 M

Non-Current Assets

Property, Plant & Equipment126.92M

Goodwill & Intangible Assets42.07M

Long-Term Investments17.77B

Other Non-Current Assets328.74M

Total Non-Current Assets18 B

Total Assets

19.13B

Financial Health Analysis

Current Ratio

6.85x

Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.

Debt-to-Equity Ratio

8.73x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

630 M

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

4% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.

First BanCorp. Balance Sheet

FBP • NYSE

First BanCorp. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	657.1M	1.2B	662.2M	478.8M	2.5B	1.4B	546.7M	578.9M	709.1M	292.4M	536M	779.4M	454.6M	730.5M	207.9M	256.1M	680.4M	330.3M	222.4M	149.5M
Short-Term Investments	0.0	4.6B	5.2B	5.5B	6.1B	4.4B	2.1B	1.8B	1.5B	1.5B	1.3B	956.4M	1.1B	876.4M	992.1M	108M	22.5M	0.0	0.0	0.0
Cash & Short-Term Investments	657.1M	5.7B	5.9B	6B	8.7B	5.8B	2.6B	2.3B	2.3B	1.8B	1.8B	1.7B	1.6B	1.6B	1.2B	364M	702.3M	330.3M	222.4M	149.5M
Net Receivables	71.4M	71.9M	77.7M	69.7M	61.5M	69.5M	50.2M	383.9M	314.6M	278.8M	277.9M	282.9M	299.3M	288.6M	297M	59.1M	79.9M	98.6M	108M	112.5M
Accounts Receivables	0.0	71.9M	77.7M	69.7M	61.5M	69.5M	50.2M	50.4M	57.2M	45.5M	48.7M	50.8M	54M	51.7M	50M	59.1M	79.9M	98.6M	108M	112.5M
Other Receivables	71.4M	0.0	0.0	0.0	0.0	0.0	0.0	333.5M	257.5M	233.3M	229.2M	232.1M	245.3M	236.9M	247M	0.0	0.0	0.0	0.0	0.0
Other Current Assets	9M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	737.5M	5.8B	6B	6.1B	8.7B	5.9B	2.7B	2.7B	2.6B	2.1B	2.1B	2B	1.9B	1.9B	1.5B	421.8M	782.2M	428.3M	330.4M	262M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	126.9M	133.4M	142M	142.9M	146.4M	158.2M	150M	147.8M	141.9M	150.8M	161M	166.9M	166.9M	181.4M	194.9M	209M	198M	178.5M	162.6M	155.7M
Goodwill	38.6M	38.6M	38.6M	38.6M	38.6M	38.6M	28.1M	28.1M	28.1M	28.1M	28.1M	28.1M	28.1M	28.1M	0.0	0.0	0.0	0.0	0.0	0.0
Intangible Assets	3.5M	7M	13.4M	21.1M	29.9M	40.9M	7.6M	38.1M	39.5M	44.9M	22.5M	21.8M	26.8M	32.8M	0.0	0.0	0.0	0.0	0.0	0.0
Goodwill & Intangible Assets	42.1M	45.6M	52M	59.7M	68.5M	79.5M	35.7M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Long-Term Investments	17.8B	12.9B	12.3B	11.8B	11B	11.7B	9.1B	8.6B	8.6B	8.7B	8.9B	8.9B	9.2B	9.5B	9.9B	14.7B	18.3B	18.4B	16.2B	16.2B
Tax Assets	149M	136.4M	150.1M	155.6M	208.5M	329.3M	264.8M	319.9M	294.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Assets	328.7M	294.1M	261.9M	418.4M	596.2M	697.6M	409.6M	485.2M	664.7M	953.5M	1.4B	1.6B	1.4B	1.5B	1.5B	304M	384.2M	444.6M	456.1M	779.2M
Total Non-Current Assets	18.4B	13.5B	12.9B	12.6B	12B	12.9B	9.9B	9.5B	9.7B	9.8B	10.4B	10.7B	10.8B	11.2B	11.6B	15.2B	18.8B	19.1B	16.9B	17.1B
Total Assets	19.1B	19.3B	18.9B	18.6B	20.8B	18.8B	12.6B	12.2B	12.3B	11.9B	12.6B	12.7B	12.7B	13.1B	13.1B	15.7B	19.6B	19.5B	17.2B	17.4B
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	231.6M	214.9M	276.7M	180.6M	129.9M	145.9M	118.8M	159.3M	115.2M	129.2M	109.8M	152.6M	162.7M	145.2M	148.5M	0.0	0.0
Accounts Payable	0.0	0.0	0.0	231.6M	214.9M	276.7M	180.6M	129.9M	145.9M	118.8M	159.3M	115.2M	129.2M	109.8M	152.6M	162.7M	145.2M	148.5M	0.0	0.0
Short Term Debt	107.6M	0.0	0.0	550.1M	300M	300M	100M	150.1M	300M	670M	800M	900M	900M	1.1B	1B	1.4B	4B	3.4B	3.4B	4.1B
Other Current Liabilities	0.0	16.9B	16.6B	16.1B	17.8B	15.3B	9.3B	9B	9B	8.8B	9.3B	9.5B	9.9B	9.9B	9.9B	12.1B	12.7B	13.1B	11B	11B
Total Current Liabilities	107.6M	16.9B	16.6B	16.9B	18.3B	15.9B	9.6B	9.3B	9.5B	9.6B	10.3B	10.5B	10.9B	11.1B	11.1B	13.6B	16.8B	16.7B	14.4B	15.1B
NON-CURRENT LIABILITIES
Long Term Debt	200M	561.7M	661.7M	383.8M	383.8M	623.8M	754.2M	924.2M	923.6M	886.2M	681.5M	557M	532M	740.4M	622.7M	885.4M	1.2B	1.3B	1.1B	560M
Deferred Tax Liabilities (Non-Current)	8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Liabilities	16.8B	190.7M	194.3M	0.0	0.0	0.0	0.0	0.0	0.0	-370M	-100M	0.0	0.0	-208.4M	-23.3M	1.4M	954K	504K	270.8M	494.1M
Total Non-Current Liabilities	17.1B	752.4M	856M	383.8M	383.8M	623.8M	754.2M	924.2M	923.6M	516.2M	581.5M	557M	532M	532M	599.4M	885.4M	1.2B	1.3B	1.4B	1.1B
Capital Lease Obligations	56.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	17.2B	17.6B	17.4B	17.3B	18.7B	16.5B	10.4B	10.2B	10.4B	10.1B	10.9B	11.1B	11.4B	11.6B	11.7B	14.5B	18B	17.9B	15.8B	16.2B
SHAREHOLDERS' EQUITY
Treasury Stock	-932.5M	-790.4M	-697.4M	-507M	-236.4M	-480K	-474K	-455K	-410K	-125K	-96K	-74K	-57K	-49K	-66K	-66K	-660K	-9.9M	-9.9M	-9.9M
Preferred Stock	0.0	0.0	0.0	0.0	0.0	36.1M	36.1M	36.1M	36.1M	36.1M	36.1M	36.1M	63M	63M	63M	425M	928.5M	550.1M	550.1M	550.1M
Common Stock	22.4M	22.4M	22.4M	22.4M	22.4M	22.3M	22.2M	22.2M	22M	21.9M	21.6M	21.4M	20.8M	20.7M	20.6M	2.2M	6.8M	102.4M	102.4M	93.2M
Additional Paid-In Capital	963.5M	965M	965.7M	970.7M	972.5M	946.5M	941.7M	939.7M	936.8M	931.9M	926.3M	916.1M	888.2M	885.8M	884M	319.5M	220.6M	108.3M	108.3M	22.8M
Retained Earnings	2.3B	1.8B	1.6B	1.5B	1.4B	1.2B	1.2B	1.1B	895.2M	830.9M	737.9M	716.6M	322.7M	487.2M	457.4M	-5.4M	118.3M	440.8M	410M	326.8M
Accumulated Other Comprehensive Income/Loss	-354.6M	-336.4M	-439.6M	-636.3M	-84M	55.5M	6.8M	-40.4M	-20.6M	-34.4M	-27.7M	-18.4M	-78.7M	28.4M	19.2M	17.7M	26.5M	57.4M	260.8M	246.7M
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	299M	299M	299M	0.0	0.0
Total Stockholders' Equity	2B	1.7B	1.5B	1.3B	2.1B	2.3B	2.2B	2B	1.9B	1.8B	1.7B	1.7B	1.2B	1.5B	1.4B	1.1B	1.6B	1.5B	1.4B	1.2B
Total Equity	2B	1.7B	1.5B	1.3B	2.1B	2.3B	2.2B	2B	1.9B	1.8B	1.7B	1.7B	1.2B	1.5B	1.4B	1.1B	1.6B	1.5B	1.4B	1.2B
SUMMARY
Total Liabilities & Equity	19.1B	19.3B	18.9B	18.6B	20.8B	18.8B	12.6B	12.2B	12.3B	11.9B	12.6B	12.7B	12.7B	13.1B	13.1B	15.7B	19.6B	19.5B	17.2B	17.4B
Total Investments	17.8B	17.5B	17.6B	17.3B	17.2B	16B	11.2B	10.3B	10.1B	10.2B	10.2B	9.9B	10.4B	10.4B	10.9B	14.8B	18.3B	18.4B	16.2B	16.2B
Total Debt	364.4M	561.7M	661.7M	933.9M	683.8M	923.8M	854.2M	1.1B	1.2B	1.6B	1.5B	1.5B	1.4B	1.8B	1.6B	2.3B	5.2B	4.7B	4.5B	4.7B
Net Debt	-292.8M	-597M	-525K	455.1M	-1.9B	-509.8M	307.5M	495.3M	514.5M	1.3B	945.5M	677.5M	977.4M	1.1B	1.4B	2.1B	4.5B	4.4B	4.2B	4.5B
Shares Outstanding	161,529,610	161,529,610	161,529,610	161,529,610	161,529,610	161,529,610	161,529,610	161,529,610	161,529,610	161,529,610	161,529,610	161,529,610	161,529,610	161,529,610	161,529,610	161,529,610	161,529,610	161,529,610	161,529,610	161,529,610

SEC Filings

FBP - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 12, 2026	May 06, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 08, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 22, 2026	April 22, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	March 25, 2026	May 06, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 27, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 09, 2026	February 04, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 27, 2026	January 27, 2026	2026	View Filing
10-Q 10-Q 2025 Q3 Q3	November 07, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 23, 2025	October 23, 2025	2025	View Filing
10-Q 10-Q 2025 Q2 Q2	August 07, 2025	June 30, 2025	2025	View Filing

Showing 1 to 10 of 553 filings

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