First BanCorp. (FBP)

Price$22.74

Favorite Metrics

Price vs S&P 500 (26W)1.86%

Price vs S&P 500 (4W)5.76%

Market Capitalization$3.55B

P/E Ratio (Annual)10.29x

Indicated Dividend Yield (Annual)3.50%

All Metrics

P/CF (Annual)7.91x

Book Value / Share (Quarterly)$12.56

P/TBV (Annual)1.69x

Indicated Dividend (Annual)$0.72

Revenue Growth (3Y)8.47%

Cash Flow / Share (Quarterly)$2.79

Payout Ratio (TTM)33.50%

Price vs S&P 500 (YTD)7.49%

Net Profit Margin (TTM)31.73%

EPS (TTM)$2.15

10-Day Avg Trading Volume1.27M

EPS Excl Extra (TTM)$2.15

Revenue Growth (5Y)7.95%

EPS (Annual)$2.15

Dividend / Share (Annual)$0.72

ROI (Annual)17.53%

Net Profit Margin (5Y Avg)28.22%

Cash / Share (Quarterly)$3.35

P/E Basic Excl Extra (TTM)10.29x

Revenue Growth QoQ (YoY)18.29%

EPS Growth (5Y)35.49%

P/E Normalized (Annual)10.29x

ROA (Last FY)1.80%

Revenue Growth TTM (YoY)19.80%

EBITD / Share (TTM)$2.70

ROE (5Y Avg)18.41%

Operating Margin (TTM)44.84%

Cash Flow / Share (Annual)$2.79

P/B Ratio1.80x

P/B Ratio (Quarterly)1.66x

Net Income / Employee (Annual)$0

ROA (TTM)1.80%

EPS Growth QoQ (YoY)19.61%

EV / EBITDA (TTM)8.85x

EPS Incl Extra (Annual)$2.15

3-Month Avg Trading Volume1.38M

52-Week Price Return27.61%

EV / Free Cash Flow (Annual)8.78x

P/E Incl Extra (TTM)10.29x

Tangible BV / Share (Quarterly)$12.39

P/S Ratio (Annual)2.81x

52-Week High$23.43

Operating Margin (5Y Avg)37.95%

EPS Excl Extra (Annual)$2.15

CapEx CAGR (5Y)-7.28%

Tangible BV CAGR (5Y)-2.78%

26-Week Price Return5.84%

13-Week Price Return8.71%

Total Debt / Equity (Annual)0.00x

Enterprise Value$3,839.554

Revenue / Share Growth (5Y)13.29%

Book Value / Share Growth (5Y)3.77%

Revenue / Employee (Annual)$295,872

Pretax Margin (Annual)48.74%

Cash / Share (Annual)$2.62

3-Month Return Std Dev28.15%

Net Income / Employee (TTM)$0

EBITDA CAGR (5Y)26.05%

EBITDA Interim CAGR (5Y)9.19%

ROE (Last FY)17.53%

EPS Basic Excl Extra (Annual)$2.15

P/FCF (TTM)8.11x

EV / Free Cash Flow (TTM)8.78x

Total Debt / Equity (Quarterly)0.15x

EPS Incl Extra (TTM)$2.15

ROI (TTM)15.78%

Dividend Growth Rate (5Y)27.73%

P/S Ratio (TTM)2.76x

Pretax Margin (5Y Avg)37.95%

Revenue / Share (Annual)$4.78

Tangible BV / Share (Annual)$12.39

Forward P/E10.54x

Free OCF CAGR (5Y)9.21%

Price vs S&P 500 (52W)-2.22%

P/E Ratio (TTM)10.29x

EPS Growth TTM (YoY)18.79%

Year-to-Date Return10.13%

5-Day Price Return-0.74%

EPS Normalized (Annual)$2.15

ROA (5Y Avg)1.59%

Net Profit Margin (Annual)33.22%

Month-to-Date Return6.88%

Cash Flow / Share (TTM)$1.80

EBITD / Share (Annual)$2.70

EPS Growth (3Y)10.52%

Operating Margin (Annual)48.74%

LT Debt / Equity (Annual)0.00x

P/CF (TTM)7.91x

ROI (5Y Avg)16.63%

P/E Excl Extra (TTM)10.29x

LT Debt / Equity (Quarterly)0.15x

EPS Basic Excl Extra (TTM)$2.15

P/TBV (Quarterly)1.69x

Payout Ratio (Annual)33.50%

P/B Ratio (Annual)1.66x

Dividend / Share (TTM)$0.72

Pretax Margin (TTM)44.84%

Book Value / Share (Annual)$12.56

Price vs S&P 500 (13W)8.03%

Net Margin Growth (5Y)22.41%

Dividend Yield (TTM)3.25%

Beta0.82x

P/FCF (Annual)8.11x

Revenue / Share (TTM)$5.18

ROE (TTM)18.37%

52-Week Low$17.45

Analyst Recommendations

Jan 2026

Feb 2026

Mar 2026

Apr 2026

4.00

3.91

Industry Peers — State Banks(184)

Symbol	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
FBPFirst BanCorp.	1.66x	18.37%	1.80%	—	$22.74
ITUBItau Unibanco Holding S.A. American Depositary Shares	2.03x	20.76%	1.50%	—	$9.33
BNSBank of Nova Scotia	1.45x	10.41%	0.62%	—	$75.00
BKBank of New York Mellon Corporation	1.83x	12.66%	1.20%	—	$134.84
FITBFifth Third Bancorp	1.42x	11.96%	1.19%	—	$49.52
FITBIFifth Third Bancorp Depositary Shares	1.42x	11.96%	1.19%	—	$25.32
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M	1.42x	11.96%	1.19%	—	$25.83
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K	1.42x	11.96%	1.19%	—	$19.38
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A	1.42x	11.96%	1.19%	—	$24.05
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	1.04x	9.84%	0.81%	—	$4.15
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value)	1.04x	9.84%	0.81%	—	$3.72

About

First BanCorp is a financial holding company whose revenue is primarily driven by consumer banking, including retail lending and deposit activities in Puerto Rico. The company operates across multiple segments including mortgage banking, commercial and corporate banking, and treasury and investments, with additional operations in the U.S. Virgin Islands. It serves customers through a branch network and loan centers.