First BanCorp. (FBP) Fundamentals — Income, Balance Sheet & Cash Flow | MarketCI

First BanCorp. (FBP) Fundamentals — Income, Balance Sheet & Cash Flow | MarketCI | MarketCI

FBP

Market Closed

First BanCorp.

NYSEFinancial Services Banks - Regional

3.22K employees

CEO: Aurelio Aleman-Bermudez

Founded: 1987

$28.82

+$0.00(+NaN%)

Market Cap

4.46B

Beta

0.81

52W Range

N/A

Dividend Yield

2.64%

Overview Forecasts Fundamental Market Sentiment Valuation Ownership

Financial Statements

Comprehensive breakdown of financial statements and performance metrics

Gross Margin

72.9%

8.6%

CAGR: 0.9%

Profit after direct costs

Operating Margin

33.2%

6.5%

CAGR: -0.7%

Core business profitability

Net Margin

27.4%

15.4%

CAGR: 5.3%

Bottom line profitability

Revenue Growth

5.3%

YoY

CAGR: 9.3%

Top line growth rate

Revenue Flow Analysis

Visual flow showing how FBP allocates revenue across expenses and profit

Fiscal Year 2025

Revenue Distribution

Flow of revenue through cost categories to net income

Gross Margin

72.9%

$916.38M

Operating Margin

33.2%

$416.73M

Net Margin

27.4%

$344.87M

Detailed Income Statement

Complete profit and loss breakdown with margin analysis and historical comparison

Item	2021	2022	2023	2024	2025	YoY Change
Total Revenue	882.02M	953.89M	1.12B	1.19B	1.26B	5.3%
Cost of Revenue	(509.00K)	(95.74M)	(293.38M)	(349.04M)	(340.18M)	-2.5%
Gross Profit	882.53M	858.16M	830.16M	843.72M	916.38M	8.6%
Operating Expenses
Research & Development	—	—	—	—	—	—
Selling, General & Administrative	(220.32M)	(228.88M)	(257.64M)	(262.75M)	(334.06M)	27.1%
General & Administrative	(204.96M)	(210.65M)	(238.01M)	(245.11M)	(334.06M)	36.3%
Depreciation & Amortization	(36.37M)	(31.11M)	(28.24M)	(25.00M)	(20.75M)	-17.0%
Operating Income (EBIT)	427.82M	447.58M	397.44M	391.21M	416.73M	6.5%
Non-Operating Items
Interest Income	794.71M	862.61M	1.02B	1.10B	1.12B	2.6%
Interest Expense	(64.78M)	(67.32M)	(226.38M)	(287.67M)	(254.22M)	-11.6%
Other Income/Expenses (Net)	—	—	—	—	—	—
Income Before Tax	427.82M	447.58M	397.44M	391.21M	416.73M	6.5%
Income Tax Expense	(146.79M)	(142.51M)	(94.57M)	(92.48M)	(71.87M)	-22.3%
Net Income	281.02M	305.07M	302.86M	298.72M	344.87M	15.4%
Per Share Metrics
Earnings Per Share (Basic)	$1	$2	$2	$2	$2	18.7%
Weighted Avg Shares Outstanding	210.12M	190.81M	176.50M	164.55M	159.96M	-2.8%
Weighted Avg Shares Outstanding (Diluted)	211.30M	191.97M	177.18M	165.27M	160.74M	-2.7%
EBITDA	464.19M	478.69M	425.67M	416.20M	437.49M	5.1%

Explore FBP

Overview

Key metrics and AI-powered insights

Forecast

Price targets and earnings estimates

Fundamentals

Income, balance sheet and cash flow

Valuation

P/E, DCF and valuation multiples

Ownership

Institutional and insider holdings

Sentiment

Analyst ratings and news sentiment

FBP in the Financial Services

Mid Cap

Financial Services

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Banks - Regional

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