First BanCorp.

FBP | NYSE

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$27.46

-$0.12 (-0.44%)

At close: Sep 21, 2026, 4:00 PM ET

$27.46

$0 (0.00%)

After-hours: Sep 21, 2026, 4:34 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $4.21B

Enterprise Value $3.83B

Beta 0.79

Average Volume 1.39M

Shares Outstanding (Diluted) 154.16M

Shares Change YoY -4.55%

Institutional Ownership 96.72%

Exchange NYSE

ISIN PR3186727065

Price Performance

Price Change 1M -4.0%

Price Change 3M 4.7%

Price Change 6M 30.3%

Price Change YTD 31.4%

Price Change 1Y 24.4%

Price Change 3Y 108.2%

Price Change 5Y 114.4%

1M CAGR (ann.) -4.4%

1Y CAGR (ann.) 31.5%

5Y CAGR (ann.) 21.6%

All-Time CAGR -6.5%

Valuation

PE Ratio 11.59

Forward PE 10.51

PEG Ratio 0.43

Forward PEG 1.85

PS Ratio 3.31

Forward PS 3.70

PB Ratio 2.12

P/FCF Ratio 9.47

P/Adj. FCF Ratio 9.56

P/OCF Ratio 9.25

EV/Sales 3.02

EV/EBIT 8.56

EV/EBITDA 8.30

EV/FCF 8.65

Earnings Yield 8.6%

FCF Yield 10.6%

Adj. FCF Yield 10.5%

Financial Health

Net Cash $359.63M

Total Debt $200M

Cash & Short-Term Investments $559.63M

Total Assets $19.24B

Current Ratio 0.00

Quick Ratio 0.00

Debt / Equity Ratio 0.10

Debt / EBITDA 0.43

Debt / FCF 0.45

OCF / Debt 2.29

Interest Coverage 1.83

Altman Z-Score 0.50

Piotroski F-Score 8

Margins & Profitability

Gross Profit Margin 74.8%

Operating Profit Margin 35.3%

EBITDA Margin 36.4%

Net Profit Margin 29.4%

FCF Margin 34.9%

Adj. FCF Margin 34.6%

SBC / Revenue 0.2%

SBC Impact (per share) -1.0%

Returns

Return on Assets 1.9%

Return on Equity 19.0%

Return on Invested Capital 1.9%

Return on Capital Employed 2.3%

Return on Tangible Assets 1.9%

Historical Growth (CAGR)

Revenue CAGR 3Y 6.7%

Revenue CAGR 5Y 8.2%

Revenue CAGR 10Y 7.5%

EPS CAGR 3Y 14.5%

EPS CAGR 5Y 19.6%

EPS CAGR 10Y 21.1%

FCF CAGR 3Y 1.3%

FCF CAGR 5Y 7.8%

FCF CAGR 10Y 6.8%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 17

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 21, 2026

EPS Estimate (next Q) $0.58

EPS Growth Est (next Q) 13.7%

Revenue Est (next Q) $274.65M

Revenue Growth Est (next Q) 14.6%

Fair Value Estimates

Graham Number $26.21

Graham Upside -4.5%

Lynch Fair Value $46.36

Lynch Upside 68.8%

Price Target $30

Price Target Upside 9.2%

Cash Flow

Operating Cash Flow $457.6M

Free Cash Flow $442.88M

Adj. Free Cash Flow $438.63M

FCF Per Share $2.86

OCF Per Share $2.97

OCF/S Ratio 35.9%

Income Statement

Revenue $1.27B

Gross Profit $947.91M

Operating Income $448.02M

EBITDA $461.82M

Net Income $372.56M

EPS (Diluted) $2.37

Revenue / Employee $393.94K

Profit / Employee $115.77K

Employees 3,218

Dividends

Annual Dividend $0.78

Dividend Yield 2.84%

Payout Ratio 32.9%

FCF Payout Ratio 26.7%

Adj. FCF Payout Ratio 27.0%

Dividend Growth (YoY) 11.4%

Pay Frequency Quarterly

Ex-Dividend Date Aug 26, 2026