What is First Bancorp P R's earnings per share (EPS)?

First Bancorp P R (FBP) reported diluted earnings per share of $2.15 for fiscal year 2025. This represents a 18.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

First Bancorp P R Financials

FBP

Source SEC Filings (10-K/10-Q) Updated May 8, 2026 Currency USD FYE December

This page shows First Bancorp P R (FBP) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI FBP FY2025 2026-05-08

First BanCorp.’s core mechanic is cash-rich earnings funding a steadily stronger balance sheet rather than asset-led growth.

Cash fell from $1.16B in FY2024 to $659M in FY2025, but that was mainly a capital-allocation event, not an operating slump. Operating cash flow rose to $448.6M while long-term debt was cut to $290M, showing internal cash generation was being redirected into balance-sheet cleanup and shareholder payouts.

Assets stayed roughly flat over FY2023-FY2025, yet equity accumulation lifted book capital from $1.50B to $1.97B. That points to retained earnings and lower liabilities strengthening the company without needing balance-sheet expansion.

The earnings-quality signal is unusually clean: free cash flow of $437.5M sat close to operating cash flow of $448.6M in FY2025. With low capital intensity, reported profit is not being propped up by heavy non-cash earnings or swallowed by reinvestment.

Financial Health Signals

Financial Profile 48/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of First Bancorp P R's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

First Bancorp P R's revenue grew a modest 2.4% year-over-year to $1.3B. This slow but positive growth earns a score of 40/100.

Leverage

First Bancorp P R carries a low D/E ratio of 0.15, meaning only $0.15 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 99/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

100

First Bancorp P R converts 34.9% of revenue into free cash flow ($437.5M). This strong cash generation earns a score of 100/100.

Returns

First Bancorp P R's ROE of 17.5% shows moderate profitability relative to equity, earning a score of 52/100. This is down from 17.9% the prior year.

Piotroski F-Score Strong

7/9

First Bancorp P R passes 7 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.30x

For every $1 of reported earnings, First Bancorp P R generates $1.30 in operating cash flow ($448.6M OCF vs $344.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$1.3B

YoY+2.4%

5Y CAGR+9.3%

10Y CAGR+6.2%

First Bancorp P R generated $1.3B in revenue in fiscal year 2025. This represents an increase of 2.4% from the prior year.

EBITDA

N/A

Net Income

$344.9M

YoY+15.4%

5Y CAGR+27.5%

10Y CAGR+32.1%

First Bancorp P R reported $344.9M in net income in fiscal year 2025. This represents an increase of 15.4% from the prior year.

EPS (Diluted)

$2.15

YoY+18.8%

5Y CAGR+36.1%

10Y CAGR+35.9%

First Bancorp P R earned $2.15 per diluted share (EPS) in fiscal year 2025. This represents an increase of 18.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$437.5M

YoY+11.0%

5Y CAGR+9.2%

10Y CAGR+5.8%

First Bancorp P R generated $437.5M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 11.0% from the prior year.

Cash & Debt

$658.6M

YoY-43.2%

5Y CAGR-15.1%

10Y CAGR-1.3%

First Bancorp P R held $658.6M in cash against $290.0M in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.72

YoY+12.5%

5Y CAGR+29.2%

First Bancorp P R paid $0.72 per share in dividends in fiscal year 2025. This represents an increase of 12.5% from the prior year.

Shares Outstanding

157M

YoY-4.4%

5Y CAGR-6.4%

10Y CAGR-3.1%

First Bancorp P R had 157M shares outstanding in fiscal year 2025. This represents a decrease of 4.4% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

27.5%

YoY+3.1pp

5Y CAGR+14.8pp

10Y CAGR+24.4pp

First Bancorp P R's net profit margin was 27.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.1 percentage points from the prior year.

Return on Equity

17.5%

YoY-0.4pp

5Y CAGR+13.0pp

10Y CAGR+16.3pp

First Bancorp P R's ROE was 17.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$153.7M

YoY+50.1%

5Y CAGR+275.4%

10Y CAGR+62.8%

First Bancorp P R spent $153.7M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 50.1% from the prior year.

Capital Expenditures

$11.0M

YoY+10.2%

5Y CAGR-7.2%

10Y CAGR-1.2%

First Bancorp P R invested $11.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 10.2% from the prior year.

FBP Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$1.3B+2.4%	$1.2B+6.0%	$1.2B+17.3%	$985.7M+7.6%	$915.9M+13.9%	$804.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$245.2M+4.0%	$235.7M+5.8%	$222.9M+8.2%	$206.0M+2.8%	$200.5M+13.2%	$177.1M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$254.2M-11.6%	$287.7M+27.1%	$226.4M+236.3%	$67.3M+3.9%	$64.8M-30.1%	$92.7M
Income Tax	$71.9M-22.3%	$92.5M-2.2%	$94.6M-33.6%	$142.5M-2.9%	$146.8M+944.8%	$14.1M
Net Income	$344.9M+15.4%	$298.7M-1.4%	$302.9M-0.7%	$305.1M+8.6%	$281.0M+174.8%	$102.3M
EPS (Diluted)	$2.15+18.8%	$1.81+5.8%	$1.71+7.5%	$1.59+21.4%	$1.31+184.8%	$0.46

Metric	Q2'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$22.2M-95.7%	$511.4M+105.6%	$248.7M+0.8%	$246.8M-0.5%	$248.1M-53.1%	$529.1M+125.6%	$234.6M+1.3%	$231.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$65.3M+3.3%	$63.2M+5.7%	$59.8M-0.5%	$60.1M-3.3%	$62.1M+4.2%	$59.7M+1.0%	$59.1M+2.8%	$57.5M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$58.9M-5.6%	$62.4M-3.8%	$64.8M+4.0%	$62.3M-3.6%	$64.7M-8.2%	$70.5M-3.0%	$72.6M0.0%	$72.6M
Income Tax	$25.5M+26.0%	$20.2M+255.0%	$5.7M-74.9%	$22.7M-2.3%	$23.2M+14.3%	$20.3M-10.3%	$22.7M-11.3%	$25.5M
Net Income	$88.8M+1.9%	$87.1M-13.4%	$100.5M+25.4%	$80.2M+4.1%	$77.1M+1.8%	$75.7M+2.7%	$73.7M-2.8%	$75.8M
EPS (Diluted)	$0.57	N/A	$0.63+26.0%	$0.50+6.4%	$0.47	N/A	$0.45-2.2%	$0.46

FBP Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$19.1B-0.8%	$19.3B+2.0%	$18.9B+1.5%	$18.6B-10.3%	$20.8B+10.6%	$18.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$658.6M-43.2%	$1.2B+74.8%	$663.2M+38.0%	$480.5M-81.1%	$2.5B+70.2%	$1.5B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$38.6M0.0%	$38.6M0.0%	$38.6M0.0%	$38.6M0.0%	$38.6M-0.1%	$38.6M
Total Liabilities	$17.2B-2.6%	$17.6B+1.2%	$17.4B+0.6%	$17.3B-7.4%	$18.7B+13.1%	$16.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$290.0M-48.4%	$561.7M-15.1%	$661.7M	N/A	N/A	N/A
Total Equity	$2.0B+17.8%	$1.7B+11.5%	$1.5B+13.0%	$1.3B-36.9%	$2.1B-7.6%	$2.3B
Retained Earnings	$2.3B+11.2%	$2.0B+10.4%	$1.8B+12.3%	$1.6B+15.2%	$1.4B+17.4%	$1.2B

Metric	Q2'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$19.1B-0.2%	$19.1B-1.0%	$19.3B+2.2%	$18.9B-1.1%	$19.1B-1.0%	$19.3B+2.3%	$18.9B-0.1%	$18.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$658.6M0.0%	$658.6M-26.8%	$899.6M+22.1%	$736.7M-44.5%	$1.3B+14.6%	$1.2B+69.2%	$685.4M+16.9%	$586.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$38.6M0.0%	$38.6M0.0%	$38.6M0.0%	$38.6M0.0%	$38.6M0.0%	$38.6M0.0%	$38.6M0.0%	$38.6M
Total Liabilities	$17.1B-0.3%	$17.2B-1.4%	$17.4B+2.1%	$17.1B-1.6%	$17.3B-1.7%	$17.6B+2.7%	$17.2B-1.3%	$17.4B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$200.0M-31.0%	$290.0M0.0%	$290.0M-9.4%	$320.0M-3.4%	$331.1M-41.0%	$561.7M	N/A	N/A
Total Equity	$2.0B0.0%	$2.0B+2.5%	$1.9B+3.9%	$1.8B+3.7%	$1.8B+6.6%	$1.7B-1.9%	$1.7B+14.0%	$1.5B
Retained Earnings	$2.3B+2.5%	$2.3B+2.7%	$2.2B+3.4%	$2.1B+2.5%	$2.1B+2.3%	$2.0B+2.5%	$2.0B+2.4%	$1.9B

FBP Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$448.6M+11.0%	$404.1M+11.3%	$363.0M-17.6%	$440.5M+10.2%	$399.7M+34.3%	$297.7M
Capital Expenditures	$11.0M+10.2%	$10.0M-55.7%	$22.6M+10.5%	$20.5M+53.3%	$13.3M-16.9%	$16.1M
Free Cash Flow	$437.5M+11.0%	$394.1M+15.8%	$340.4M-19.0%	$420.0M+8.7%	$386.4M+37.2%	$281.7M
Investing Cash Flow	-$170.4M-225.1%	$136.2M+273.7%	-$78.5M+88.5%	-$681.5M+46.0%	-$1.3B-1.9%	-$1.2B
Financing Cash Flow	-$779.0M-1665.2%	-$44.1M+56.7%	-$101.9M+94.4%	-$1.8B-195.2%	$1.9B+6.8%	$1.8B
Dividends Paid	$115.5M+9.4%	$105.6M+5.9%	$99.7M+13.5%	$87.8M+35.1%	$65.0M+49.8%	$43.4M
Share Buybacks	$153.7M+50.1%	$102.4M-49.6%	$203.2M-26.8%	$277.8M+28.3%	$216.5M+105007.8%	$206K

Metric	Q2'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$121.1M+12.9%	$107.3M-22.1%	$137.6M+44.2%	$95.4M-11.8%	$108.2M+11.8%	$96.8M-17.9%	$118.0M+65.8%	$71.1M
Capital Expenditures	$5.2M+26.9%	$4.1M+42.5%	$2.9M+9.7%	$2.6M+75.6%	$1.5M-8.4%	$1.6M-35.9%	$2.5M+47.4%	$1.7M
Free Cash Flow	$115.9M+12.3%	$103.2M-23.4%	$134.8M+45.2%	$92.8M-13.0%	$106.7M+12.1%	$95.2M-17.5%	$115.4M+66.3%	$69.4M
Investing Cash Flow	-$62.2M+15.8%	-$73.9M+39.4%	-$121.9M+66.9%	-$368.2M-193.6%	$393.6M+607.4%	-$77.6M-138.3%	$202.4M+814.6%	-$28.3M
Financing Cash Flow	-$166.6M+39.3%	-$274.4M-286.5%	$147.1M+146.1%	-$318.8M+4.2%	-$332.9M-173.2%	$454.8M+305.5%	-$221.3M-56.9%	-$141.0M
Dividends Paid	$32.1M+14.5%	$28.0M-1.6%	$28.5M-4.1%	$29.7M+1.3%	$29.3M+12.4%	$26.1M+0.1%	$26.0M-3.0%	$26.8M
Share Buybacks	$54.6M+9.2%	$50.0M-0.2%	$50.1M+74.9%	$28.7M+15.2%	$24.9M+103533.3%	$24K-96.9%	$770K-98.4%	$49.2M

FBP Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	27.5%+3.1pp	24.4%-1.8pp	26.2%-4.7pp	30.9%+0.3pp	30.7%+18.0pp	12.7%
Return on Equity	17.5%-0.4pp	17.9%-2.3pp	20.2%-2.8pp	23.0%+9.6pp	13.4%+8.9pp	4.5%
Return on Assets	1.8%+0.2pp	1.6%-0.1pp	1.6%-0.0pp	1.6%+0.3pp	1.4%+0.8pp	0.5%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.15-0.2	0.34-0.1	0.44-12.6	13.06+4.2	8.89+1.6	7.26
FCF Margin	34.9%+2.7pp	32.1%+2.7pp	29.4%-13.2pp	42.6%+0.4pp	42.2%+7.2pp	35.0%

Metric	Q2'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	399.7%+382.7pp	17.0%-23.4pp	40.4%+7.9pp	32.5%+1.4pp	31.1%+16.8pp	14.3%-17.1pp	31.4%-1.3pp	32.7%
Return on Equity	4.5%+0.1pp	4.4%-0.8pp	5.2%+0.9pp	4.3%+0.0pp	4.3%-0.2pp	4.5%+0.2pp	4.3%-0.8pp	5.1%
Return on Assets	0.5%+0.0pp	0.5%-0.1pp	0.5%+0.1pp	0.4%+0.0pp	0.4%+0.0pp	0.4%0.0pp	0.4%-0.0pp	0.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.10-0.0	0.150.0	0.15-0.0	0.17-0.0	0.19-0.2	0.34-9.8	10.09-1.6	11.66
FCF Margin	521.9%+501.7pp	20.2%-34.0pp	54.2%+16.6pp	37.6%-5.4pp	43.0%+25.0pp	18.0%-31.2pp	49.2%+19.2pp	30.0%

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Frequently Asked Questions

What is First Bancorp P R's annual revenue?

First Bancorp P R (FBP) reported $1.3B in total revenue for fiscal year 2025. This represents a 2.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is First Bancorp P R's revenue growing?

First Bancorp P R (FBP) revenue grew by 2.4% year-over-year, from $1.2B to $1.3B in fiscal year 2025.

Is First Bancorp P R profitable?

Yes, First Bancorp P R (FBP) reported a net income of $344.9M in fiscal year 2025, with a net profit margin of 27.5%.

How much debt does First Bancorp P R have?

As of fiscal year 2025, First Bancorp P R (FBP) had $658.6M in cash and equivalents against $290.0M in long-term debt.

What is First Bancorp P R's net profit margin?

First Bancorp P R (FBP) had a net profit margin of 27.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does First Bancorp P R pay dividends?

Yes, First Bancorp P R (FBP) paid $0.72 per share in dividends during fiscal year 2025.

What is First Bancorp P R's return on equity (ROE)?

First Bancorp P R (FBP) has a return on equity of 17.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is First Bancorp P R's free cash flow?

First Bancorp P R (FBP) generated $437.5M in free cash flow during fiscal year 2025. This represents a 11.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is First Bancorp P R's operating cash flow?

First Bancorp P R (FBP) generated $448.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are First Bancorp P R's total assets?

First Bancorp P R (FBP) had $19.1B in total assets as of fiscal year 2025, including both current and long-term assets.

What are First Bancorp P R's capital expenditures?

First Bancorp P R (FBP) invested $11.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does First Bancorp P R buy back shares?

Yes, First Bancorp P R (FBP) spent $153.7M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does First Bancorp P R have outstanding?

First Bancorp P R (FBP) had 157M shares outstanding as of fiscal year 2025.

What is First Bancorp P R's debt-to-equity ratio?

First Bancorp P R (FBP) had a debt-to-equity ratio of 0.15 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is First Bancorp P R's return on assets (ROA)?

First Bancorp P R (FBP) had a return on assets of 1.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is First Bancorp P R's Piotroski F-Score?

First Bancorp P R (FBP) has a Piotroski F-Score of 7 out of 9, indicating strong financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are First Bancorp P R's earnings high quality?

First Bancorp P R (FBP) has an earnings quality ratio of 1.30x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is First Bancorp P R?

First Bancorp P R (FBP) scores 48 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.