| Index | — | P/E | 11.05 | EPS (ttm) | 2.37 | Insider Own | 3.12% | Shs Outstand | 152.67M | Perf Week | -4.52% |
| Market Cap | 4.00B | Forward P/E | 10.28 | EPS next Y | 2.55 | Insider Trans | -1.14% | Shs Float | 146.07M | Perf Month | -1.80% |
| Enterprise Value | 3.76B | PEG | 1.62 | EPS next Q | 0.62 | Short Float | 5.28% | Perf Quarter | -9.69% | ||
| Income | 368.00M | P/S | 3.11 | EPS this Y | 14.54% | Short Ratio | 5.52 | Perf Half Y | 7.69% | ||
| Sales | 1.29B | P/B | 2.13 | EPS next Y | 5.87% | ROA | 1.91% | Short Interest | 7.71M | Perf YTD | 26.29% |
| Book/sh | 12.28 | P/C | 8.67 | EPS next 5Y | 6.83% | ROE | 18.91% | 52W High | 29.88 -12.38% | Perf Year | 36.00% |
| Cash/sh | 3.02 | P/FCF | 13.15 | EPS past 3/5Y | 10.58% 36.12% | ROIC | 1.91% | 52W Low | 19.19 36.43% | Perf 3Y | 102.16% |
| Dividend Est. | 1.00 (3.82%) | EV/EBITDA | 8.07 | Sales past 3/5Y | 9.63% 10.30% | Gross Margin | 75.50% | Volatility | 2.35% 1.93% | Perf 5Y | 86.07% |
| Dividend TTM | 0.78 (2.98%) | EV/Sales | 2.92 | EPS Y/Y TTM | 15.05% | Oper. Margin | 35.50% | ATR (14) | 0.56 | Perf 10Y | 393.96% |
| Dividend Ex-Date | Nov 27, 2026 | Quick Ratio | 22.55 | Sales Y/Y TTM | 6.46% | Profit Margin | 28.60% | RSI (14) | 35.19 | Recom | 2.17 |
| Dividend Gr. 3/5Y | 16.11% 29.20% | Current Ratio | 22.55 | EPS Q/Q | 23.53% | SMA20 | -2.86% | Beta | 0.85 | Target Price | 31.33 |
| Payout | 24.74% | Debt/Eq | 0.12 | Sales Q/Q | 6.23% | SMA50 | -4.25% | Rel Volume | 1.20 | Prev Close | 26.70 |
| Employees | 3,218 | LT Debt/Eq | 0.11 | Earnings | Jan 26 | SMA200 | 4.82% | Avg Volume | 1.39M | Price | 26.18 |
| IPO Date | Jan 13, 1987 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 7.08% -5.18% | Net Debt/EBITDA | -0.51 | Volume | 1,669,160 | Change | -1.95% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Aug-10-26 | Reiterated | Wells Fargo | Overweight | $28 → $33 |
| Jul-13-26 | Reiterated | Truist Securities | Buy | $26 → $30 |
| Jul-06-26 | Reiterated | Wells Fargo | Overweight | $23 → $28 |
| Jul-01-26 | Reiterated | Raymond James | Strong Buy | $32 |
| Apr-27-26 | Upgrade | Raymond James | Outperform → Strong Buy | |
| Apr-23-26 | Reiterated | Piper Sandler | Neutral | $24 → $25 |
| Jan-30-26 | Reiterated | Piper Sandler | Neutral | $23 → $24 |
| Jan-29-26 | Reiterated | Truist Securities | Buy | $24 → $25 |
| Jan-15-26 | Reiterated | Piper Sandler | Neutral | $21 → $23 |
| Oct-27-25 | Downgrade | Keefe, Bruyette & Woods | Outperform → Market Perform |
First BanCorp., operating as the holding company for FirstBank Puerto Rico, delivers a broad spectrum of financial services to retail, commercial, and institutional clients. The company's operations are structured into six key segments: Commercial and Corporate Banking, Mortgage Banking, Consumer (Retail) Banking, Treasury and Investments, United States Operations, and Virgin Islands Operations. The Commercial and Corporate Banking segment offers business financing, including commercial real estate, construction, and floor plan loans, alongside treasury and cash management services. Mortgage Banking handles the origination, sale, and servicing of residential mortgage loans, in addition to acquiring and selling mortgages in secondary markets. The Consumer (Retail) Banking segment provides personal financial products such as auto, boat, credit card, and personal loans, lines of credit, and various deposit accounts like checking, savings, IRAs, and retail CDs, complemented by finance leasing and insurance agency services. The Treasury and Investments segment is responsible for funding and liquidity management. Its United States Operations offer a range of deposit products, including checking, savings, money market accounts, and retail CDs, along with traditional commercial and industrial and commercial real estate loans, and digital services such as internet banking and cash management. Lastly, the Virgin Islands Operations concentrate on consumer and commercial lending as well as deposit-taking activities. First BanCorp. boasts an extensive branch network, comprising 64 locations in Puerto Rico, 8 in the U.S. and British Virgin Islands, and 11 branches in Florida. Established in 1948, the company is headquartered in San Juan, Puerto Rico.
Per-holder 13F data hasn't been ingested for this ticker yet.
| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 1,286 | 1,257 | 1,193 | 1,124 | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 315 | 340 | 349 | 293 | — | — | — | — | — | |
| Gross Profit | 971 | 916 | 844 | 830 | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 345 | 334 | 263 | 258 | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | 0 | — | — | — | — | — | |
| Other Operating Expense | 170 | 166 | 190 | 175 | — | — | — | — | — | |
| Operating Income | 456 | 417 | 391 | 397 | — | — | — | — | — | |
| Interest Expense | 243 | 254 | 288 | 226 | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 243 | 254 | 288 | 226 | — | — | — | — | — | |
| Net Income Before Taxes | 456 | 417 | 391 | 397 | — | — | — | — | — | |
| Income Taxes | 88 | 72 | 92 | 95 | — | — | — | — | — | |
| Consolidated Net Income | 368 | 345 | 299 | 303 | — | — | — | — | — | |
| Net Income From Continuing Operations | 368 | 345 | 299 | 303 | — | — | — | — | — | |
| Net Income | 368 | 345 | 299 | 303 | — | — | — | — | — | |
| EPS (Recurring) | 2.40 | 2.16 | 1.82 | 1.72 | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 2.40 | 2.16 | 1.82 | 1.72 | — | — | — | — | — | |
| EPS (Diluted) | 2.37 | 2.15 | 1.81 | 1.71 | — | — | — | — | — | |
| EBITDA | 466 | 437 | 416 | 426 | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 11.05 | 9.64 | 10.27 | 9.62 | — | — | — | — | — | |
| Price To Sales Ratio | 3.07 | 2.64 | 2.57 | 2.59 | — | — | — | — | — | |
| Gross Margin | 75.51 | 72.87 | 70.75 | 73.84 | — | — | — | — | — | |
| Operating Margin | 35.46 | 33.17 | 32.77 | 35.32 | — | — | — | — | — | |
| Net Margin | 28.62 | 27.45 | 25.06 | 26.96 | — | — | — | — | — | |
| Shares Outstanding | 151 | 160 | 165 | 177 | — | — | — | — | — | |
| Market Capitalization | 3,953 | 3,317 | 3,067 | 2,912 | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| HERENCIA ROBERTO R | Director | Sep 02 '26 | Sale | 28.48 | 26,350 | 750,474 | 610,669 | Sep 04 |
| RIVERA NAYDA | EVP, CCO and Chief of Staff | Aug 26 '26 | Sale | 28.19 | 10,000 | 281,852 | 230,398 | Aug 28 |
| RIVERA NAYDA | EVP, CCO and Chief of Staff | Aug 17 '26 | Sale | 29.59 | 10,000 | 295,920 | 240,398 | Aug 19 |
| Diaz-Bento Lilian | EVP | Jun 05 '26 | Sale | 24.33 | 8,000 | 194,677 | 56,375 | Jun 08 |
| Diaz-Bento Lilian | EVP | Mar 16 '26 | Option Exercise | 0.00 | 15,886 | 0 | 59,579 | Mar 18 |
| Alvarez-Cabrero Sara | EVP, General Counsel | Mar 16 '26 | Option Exercise | 0.00 | 15,121 | 0 | 84,777 | Mar 18 |
| Pavia Juan Carlos | EVP, Chief Operating Officer | Mar 16 '26 | Option Exercise | 0.00 | 16,515 | 0 | 95,851 | Mar 18 |
| Berges Gonzalez Orlando | EVP and CFO | Mar 16 '26 | Option Exercise | 0.00 | 28,595 | 0 | 324,880 | Mar 18 |
| McDonald Michael | EVP | Mar 16 '26 | Option Exercise | 0.00 | 10,380 | 0 | 73,317 | Mar 18 |
| Lacasa Jose Maria | EVP | Mar 16 '26 | Option Exercise | 0.00 | 14,451 | 0 | 80,713 | Mar 18 |
| Lopez-Lay Ginoris | EVP | Mar 16 '26 | Option Exercise | 0.00 | 15,599 | 0 | 219,875 | Mar 18 |
| ALEMAN AURELIO | President and CEO | Mar 16 '26 | Option Exercise | 0.00 | 86,511 | 0 | 1,136,058 | Mar 18 |
| RIVERA NAYDA | EVP, CCO and Chief of Staff | Mar 16 '26 | Option Exercise | 0.00 | 23,069 | 0 | 253,280 | Mar 18 |
| HERENCIA ROBERTO R | Director | Feb 11 '26 | Sale | 22.63 | 4,723 | 106,896 | 637,019 | Feb 13 |
| McDonald Michael | EVP | Jan 28 '26 | Sale | 22.11 | 34,122 | 754,437 | 62,937 | Jan 29 |