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Home CompaniesFirst BanCorp.

First BanCorp.

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
26.14 USD -0.07 ( 0.27%)
Last update at 2026-11-12T15:37:00Z
VOLUME
96034
Market Cap
4291.51M
P/E
11.86

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
26.03
Low
26.29
High
52 Week Price Range
18.53
Low
29.67
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

First BanCorp is a bank holding company based in San Juan, Puerto Rico that provides retail and commercial banking, mortgage lending, wealth management and insurance primarily in Puerto Rico and the U.S. Virgin Islands. Investors may find it attractive because Puerto Rico's economic recovery, higher interest rates supporting net interest margin, and digital and operational initiatives could support loan and fee income.
Material risks are high geographic concentration in Puerto Rico, credit and interest-rate sensitivity, competitive pressure, and potential deposit volatility.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
26.21
Dividend Yield
2.70%
Revenue TTM
954.21M
Revenue Per Share
6.11
Gross Profit TTM
954.21M
Debt / Equity
0.19
ROE
19.49%
Net Debt
-292.78M
ROCE
2.19%
Diluted EPS TTM
2.37

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 416.73M 391.21M 397.44M 447.58M 427.82M
Net income 344.87M 298.72M 302.86M 305.07M 281.02M
Selling general administrative 334.06M 245.11M 238.01M 206.04M 209.84M
Selling and marketing expenses - 17.64M 19.63M 18.23M 15.36M
Gross profit 916.38M 843.72M 830.16M 23.57M 835.86M
Reconciled depreciation 20.75M 25.00M 28.77M 31.11M 36.37M
Ebit - 391.21M 397.44M 514.90M 427.82M
Ebitda 416.73M 416.20M 425.67M 546.01M 464.19M
Depreciation and amortization - 25.00M 28.24M 31.11M 36.37M
Operating income 416.73M 391.21M 397.44M 514.90M 427.82M
Other operating expenses 839.83M 801.55M 726.11M 47.85M -408.04M
Interest expense 254.22M 287.67M 226.38M 67.32M 64.78M
Tax provision 88.42M 92.48M 122.54M 142.51M 146.79M
Interest income 1123.16M 1095.15M 991.46M 862.61M 794.71M
Net interest income 868.94M 807.48M 806.00M 795.29M 729.93M
Extraordinary items 16.55M - - - -
Income tax expense 71.87M 92.48M 94.57M 142.51M 146.79M
Total revenue 1256.56M 1192.76M 1123.54M 23.57M 835.86M
Total operating expenses 499.65M 452.51M 432.72M 47.85M -408.04M
Cost of revenue 340.18M 349.04M 293.38M - -
Total other income expense net - 309.94M 8.72M -67.32M -64.78M
Net income from continuing ops 344.87M 298.72M 296.55M 305.07M 281.02M
Net income applicable to common shares 344.87M 298.72M 302.86M 305.07M 281.02M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 19132.89M 19292.92M 18909.55M 18634.48M 20785.28M
Intangible assets 3.46M 6.97M 13.38M 21.12M 29.93M
Earning assets - - - - 6693.33M
Other current assets 8.97M -71.88M 773.55M 82.34M 4279.11M
Total liab 17166.03M 17623.69M 17411.94M 17308.94M 18683.51M
Total stockholder equity 1966.87M 1669.24M 1497.61M 1325.54M 2101.77M
Other current liab 5549.42M 16871.30M 16555.99M -231.58M -214.85M
Common stock 22.37M 22.37M 22.37M 486.11M 22.37M
Capital stock 22.37M 22.37M 22.37M 486.11M 22.37M
Retained earnings 2268.01M 1808.63M 1646.54M 1644.21M 1427.30M
Other liab - - - - 1.54M
Good will 38.61M 38.61M 38.61M 38.61M 38.61M
Other assets 18395.42M 18053.16M -851.26M 6358.49M 4279.11M
Cash 657.15M 1158.71M 662.23M 478.78M 2540.68M
Total current liabilities 107.61M 16871.30M 16555.99M 231.58M 214.85M
Current deferred revenue - - -335.31M - -
Net debt -292.78M -597.01M -0.53M 379.98M -2156.91M
Short term debt 107.61M - 475.00M - -
Short long term debt 90.00M - 0.00M - -
Short long term debt total 364.37M 561.70M 661.70M 858.76M 383.76M
Other stockholder equity 31.04M 174.61M 268.30M 463.74M 736.11M
Property plant equipment 126.92M 196.60M 210.51M 142.94M 146.42M
Total current assets 737.47M 5796.60M 5970.86M 6068.65M 9633.33M
Long term investments 2133.85M 4935.00M 5632.58M 6085.78M 6657.87M
Net tangible assets - - - 1265.81M 2033.22M
Short term investments 1824.53M 4566.00M 5230.92M 5601.24M 6456.14M
Net receivables 71.35M 71.88M 77.72M 787.96M 636.51M
Long term debt 200.00M 561.70M 661.70M 183.76M 183.76M
Inventory - - -1300.11M 39.22M 40.85M
Accounts payable - - 231.58M 231.58M 214.85M
Accumulated other comprehensive income -354.55M -336.38M -439.59M -804.78M -84.00M
Common stock total equity - - - - 20.18M
Retained earnings total equity - - - - 1427.30M
Treasury stock - - - - -2.18M
Non currrent assets other 328.74M 294.06M 261.88M -81.10M -6872.84M
Non current assets total 18412.42M 13496.32M 12938.68M 6207.35M 6872.84M
Long term debt total 0.00M 61.70M 161.70M 183.76M 183.76M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 286.54M 136.23M -155.75M -681.46M -1303.49M
Change to liabilities - - - 0.00M -15.28M
Total cashflows from investing activities -166.90M 136.23M -78.45M -681.46M -1262.97M
Net borrowings -269.85M -97.00M -269.93M 250.13M -240.00M
Total cash from financing activities -778.98M -44.13M -101.85M -1821.58M 1912.48M
Change to operating activities - - - 19.71M 9.06M
Net income 344.87M 298.72M 302.86M 305.07M 281.02M
Change in cash -500.82M 496.25M 182.66M -2062.55M 1049.22M
Begin period cash flow 1159.41M 663.16M 480.50M 2543.06M 1493.83M
End period cash flow 658.60M 1159.41M 663.16M 480.50M 2543.06M
Total cash from operating activities 445.07M 404.15M 362.96M 440.49M 399.72M
Depreciation 20.75M 25.00M 28.24M 31.11M 36.37M
Other cashflows from investing activities -497.81M -620.65M -691.67M -661.00M 53.87M
Dividends paid 115.52M 105.58M 99.67M -87.82M -67.47M
Change to account receivables -11.09M 5.60M -5.44M -11.34M 7.70M
Sale purchase of stock -153.67M -102.39M -203.24M -277.77M -252.63M
Other cashflows from financing activities -239.94M 260.84M 470.98M -955.99M 2472.58M
Change to netincome - - - 95.84M 64.09M
Capital expenditures 11.03M 10.01M 22.60M 20.46M 13.35M
Change receivables - - - - 7.70M
Cash flows other operating - - - - -0.73M
Cash and cash equivalents changes - - - - 1049.22M
Change in working capital 4.90M 0.27M -44.92M 8.37M 16.76M
Stock based compensation 10.10M 8.71M 7.80M 5.41M 5.46M
Other non cash items 95.30M 57.33M 62.88M 36.32M -58.22M
Free cash flow 434.03M 394.14M 340.36M 420.03M 386.37M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
FBP
First BanCorp.		 -0.07
0.27%		 26.14 11.86 20.75 4.50 2.17 4.56
DBSDY
DBS Group Holdings Ltd ADR		 -0.76
0.34%		 219.92 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.62 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.28
0.82%		 34.49 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.46
0.49%		 92.86 11.53 10.27 5.72 1.83 8.22

Profile*

First BanCorp.

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.

1519 Ponce de Leon Avenue, San Juan, PR, United States, 00908

787 729 8200

https://www.1firstbank.com

3218

Name Title Year Born
Mr. Aurelio Alemán-Bermudez Pres, CEO & Director 1959
Mr. Orlando Berges-González CPA, CPA Exec. VP & CFO 1958
Mr. Donald L. Kafka Exec. VP & COO 1960
Mr. Cassan A. Pancham Exec. VP & Bus. Group Exec. 1961
Ms. Nayda Rivera-Batista CPA Exec. VP & Chief Risk Officer 1973
Mr. Said Ortiz CPA Chief Accounting Officer, Controller & Sr. VP NA
Ramon Rodriguez C.F.A. Sr. VP of Corp. Strategy / Investor Relations NA
Ms. Sara Alvarez-Cabrero Exec. VP, Gen. Counsel & Sec. of the Board 1975
Ms. Ginoris López-Lay Exec. VP & Strategic Management Director 1968
Mr. Thomas Michael McDonald Exec. VP & Bus. Group Director 1962

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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