First BanCorp.
Financials
Valuation Metrics
First BanCorp.'s Market Cap is $4.48B. At end of 2025 it was $3.20B. Ranked #1475 of 3,112 in US market (top 47%), #962 of 1,667 on NYSE (top 58%), #89 of 249 in Banks (top 36%) by Market Cap.
Investment Metrics(as of 2026-08-03)
| Metric | Value | Rank |
|---|---|---|
| Size | ||
| Market Cap | $4.48B | US#1,475/3,112 Sec#89/249 |
| Revenue | $1.25B | US#1,808/3,112 Sec#99/249 |
| Net Income | $357M | US#985/3,112 Sec#80/249 |
| Total Assets | $19.09B | US#631/3,112 Sec#106/249 |
| Net Assets | $1.97B | US#1,256/3,112 Sec#116/249 |
| Employees | 3,218 | US#978/3,112 Sec#40/249 |
| Value | ||
| P/E | 12.58x | US#457/3,112 Sec#89/249 |
| P/B | 2.28x | US#1,351/3,112 Sec#224/249 |
| PEG | 0.83x | US#762/3,112 Sec#133/249 |
| P/S | 3.60x | US#1,974/3,112 Sec#201/249 |
| EV/EBITDA | 9.39x | US#662/3,112 Sec#73/249 |
| FCF Yield | 9.88% | US#522/3,112 Sec#62/249 |
| Profitability | ||
| ROE | 18.13% | US#661/3,112 Sec#13/249 |
| ROA | 1.87% | US#1,649/3,112 Sec#24/249 |
| Op. Margin | 34.58% | US#321/3,112 Sec#31/249 |
| Revenue Growth | 3.14% | US#1,928/3,112 Sec#139/249 |
| Earnings Growth | 15.21% | US#1,038/3,112 Sec#149/249 |
| Financial Health | ||
| Debt Ratio | 870.20% | US#2,704/3,112 Sec#166/249 |
| Total Debt | $290M | US#2,051/3,112 Sec#158/249 |
| FCF | $443M | US#912/3,112 Sec#66/249 |
| Cash | $549M | US#1,017/3,112 Sec#108/249 |
| Current Ratio | 6.85x | US#351/3,112 Sec#47/249 |
| Net Debt/EBITDA | -0.58x | US#430/3,112 Sec#68/249 |
| Dividend | ||
| Div. Yield | 2.64% | US#695/3,112 Sec#90/249 |
| Div. Growth | 12.56% | US#410/3,112 Sec#69/249 |
| Performance | ||
| 1Y Return | 45.12% | US#850/3,112 Sec#82/249 |
| 1M Return | 10.10% | US#525/3,112 Sec#23/249 |
| From 52W High | -1.39% | US#142/3,112 Sec#63/249 |
| 1Y MDD | -13.83% | US#236/3,112 Sec#51/249 |
| Trading | ||
| Volume | 1,018,059 shares | US#1,450/3,112 Sec#61/249 |
| Trading Value | $30M | US#1,738/3,112 Sec#78/249 |
| Per Share | ||
| EPS | $2.22 | US#1,200/3,112 Sec#157/249 |
| BPS | $12.65 | US#1,613/3,112 Sec#214/249 |
Company Info
First BanCorp. operates as the bank holding company for FirstBank Puerto Rico that provides financial products and services to consumers and commercial customers. It operates through six segments: Mortgage Banking; Consumer (Retail) Banking; Commercial and Corporate Banking; Treasury and Investments; United States Operations; and Virgin Islands Operations. The Mortgage Banking segment engages in the origination, sale, and servicing of various residential mortgage loans; hedging activities; purchase of mortgage loans from branch and mortgage bankers; and origination of residential real estate loans. The Consumer (Retail) Banking segment is involved in consumer lending, commercial lending to small businesses, commercial transaction banking, and deposit-taking activities. The Commercial and Corporate Banking segment offers lending and other services, including commercial lending and commercial deposit-taking activities. The Treasury and Investments segment manages funding; and obtains funds through brokered deposits, advances from the FHLB, and repurchase agreements involving investment securities, among other funding sources. The United States Operations segment provides checking, savings, and money market accounts; retail CDs; internet banking services; residential mortgages; home equity loans and lines of credit; retail deposits; cash management services; remote data capture; automated clearing house transactions; and traditional commercial and industrial, and commercial real estate products, such as lines of credit, term loans, and construction loans. The Virgin Islands Operations segment focuses on consumer and commercial lending, and deposit-taking activities. The company also offers automobile financing and insurance agency services. First BanCorp. was founded in 1948 and is headquartered in San Juan, Puerto Rico.