First BanCorp.
General ticker "FBP" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $3.4B (TTM average)
First BanCorp. follows the US Stock Market performance with the rate: 55.3%.
Estimated limits based on current volatility of 0.9%: low 27.71$, high 28.20$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-08-27, amount 0.20$ (Y2.81%)
- Total employees count: 3218 (+3.4%) as of 2025
- US accounted for 12.3% of revenue in the fiscal year ended 2024-12-31
- Top business risk factors: Puerto rico concentration, Interest rate risk, Liquidity and credit risks, Regulatory and compliance, Cybersecurity threats
- Current price 21.4% above estimated high
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [17.77$, 23.41$]
- 2026-12-31 to 2027-12-31 estimated range: [18.36$, 24.22$]
Financial Metrics affecting the FBP estimates:
- Positive: with PPE of 10.4 at the end of fiscal year the price was neutral
- Positive: Operating cash flow per share per price, % of 13.27 > 13.08
- Positive: Operating profit margin, % of 33.16 > 18.77
- Negative: Interest expense per share per price, % of 7.52 > 3.34
- Negative: -0.75 < Inventory ratio change, % of 0
- Positive: Industry operating cash flow per share per price (median), % of 10.78 > 10.39
- Negative: Shareholder equity ratio, % of 10.28 <= 18.97
Short-term FBP quotes
Long-term FBP plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $929.80MM | $935.88MM | $1,256.56MM |
| Operating Expenses | $541.31MM | $544.67MM | $839.83MM |
| Operating Income | $388.49MM | $391.21MM | $416.73MM |
| Non-Operating Income | $8.95MM | $0.00MM | $0.00MM |
| Interest Expense | $226.38MM | $287.67MM | $254.22MM |
| Income(Loss) | $397.44MM | $391.21MM | $416.73MM |
| Taxes | $94.57MM | $92.48MM | $71.87MM |
| Net Income(Loss)* | $302.86MM | $298.72MM | $344.87MM |
| Stockholders Equity | $1,497.61MM | $1,669.24MM | $1,966.87MM |
| Assets | $18,909.55MM | $19,292.92MM | $19,132.89MM |
| Operating Cash Flow | $362.96MM | $404.15MM | $448.56MM |
| Capital expenditure | $22.60MM | $10.01MM | $11.03MM |
| Investing Cash Flow | $-78.45MM | $136.23MM | $-170.39MM |
| Financing Cash Flow | $-101.85MM | $-44.13MM | $-778.98MM |
| Earnings Per Share** | $1.72 | $1.82 | $2.16 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.