Get started

Financials · FBP

First BanCorp. New (FBP) financials

For the twelve months ended Sep 30, 2026, First BanCorp. New reported $1.30B of revenue and $368.15M of net income.

Revenue, TTM
$1.30B
Revenue growth, YoY
+1.7%
Net income, TTM
$368.15M
Net income growth, YoY
+10.4%
Net margin
28.4%
Free cash flow, TTM
$407.50M
EPS, diluted, TTM
$2.37
EPS growth, YoY
+15.0%
Cash
$462.71M
Total debt
$200.00M
P/E
10.82
P/S
3.08
Market cap
$3.98B
Annual revenue$1.26B
FY2016FY2025
Annual net income$344.87M
FY2016FY2025
Annual free cash flow$437.52M
FY2016FY2025

FBP revenue and earnings growth

FBP revenueQ3 2026$260.12M

Quarter YoY
+4.6%
QoQ
-1.8%
FY YoY
+2.4%
5Y CAGR
+9.3%
10Y CAGR
+6.2%

FBP revenue was $260.12M in fiscal Q3 2026 (ended Sep 30, 2026), up 4.6% from a year earlier and down 1.8% from the prior quarter. For the full fiscal 2025 it was $1.26B, up 2.4% from fiscal 2024. Compound annual growth was +9.3% over 5 years and +6.2% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

FBP net incomeQ3 2026$96.11M

Quarter YoY
-4.4%
QoQ
-0.0%
FY YoY
+15.4%
5Y CAGR
+27.5%
10Y CAGR
+32.1%

FBP net income was $96.11M in fiscal Q3 2026 (ended Sep 30, 2026), down 4.4% from a year earlier and down 0.0% from the prior quarter. For the full fiscal 2025 it was $344.87M, up 15.4% from fiscal 2024. Compound annual growth was +27.5% over 5 years and +32.1% over 10 years. It rose in 5 of the last 10 fiscal years.

FBP EPSQ3 2026$0.63

Quarter YoY
+0.0%
QoQ
+1.6%
FY YoY
+18.8%
5Y CAGR
+36.1%

FBP diluted EPS was $0.63 in fiscal Q3 2026 (ended Sep 30, 2026), up 0.0% from a year earlier and up 1.6% from the prior quarter. For the full fiscal 2025 it was $2.15, up 18.8% from fiscal 2024. Compound annual growth was +36.1% over 5 years.

FBP free cash flowQ3 2026$101.22M

Quarter YoY
-24.9%
QoQ
+16.1%
FY YoY
+11.0%
5Y CAGR
+9.2%
10Y CAGR
+5.8%

FBP free cash flow was $101.22M in fiscal Q3 2026 (ended Sep 30, 2026), down 24.9% from a year earlier and up 16.1% from the prior quarter. For the full fiscal 2025 it was $437.52M, up 11.0% from fiscal 2024. Compound annual growth was +9.2% over 5 years and +5.8% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

Export CSV

Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$1.26B$1.23B$1.16B$985.71M$915.87M$804.21M$766.47M$707.28M$650.81M$673.25M
Interest expense--$226.38M$67.32M$64.78M$92.66M$108.82M$99.58M$96.87M$101.17M
Pre-tax income$416.73M$391.21M$397.44M$447.58M$427.82M$116.32M$239.37M$190.64M$61.98M$130.26M
Income tax$71.87M$92.48M$94.57M$142.51M$146.79M$14.05M$72.00M-$10.97M-$4.97M-$37.03M
Net income$344.87M$298.72M$302.86M$305.07M$281.02M$102.27M$167.38M$201.61M$66.96M$93.23M
EPS, basic$2.16$1.82$1.72$1.60$1.32$0.46$0.76$0.92$0.30$0.44
EPS, diluted$2.15$1.81$1.71$1.59$1.31$0.46$0.76$0.92$0.30$0.43
Diluted shares160.7M165.3M177.2M192.0M211.3M217.7M217,134216,677216,118215,794

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$658.60M$1.16B$663.16M$480.50M$2.54B$1.49B$644.10M$586.20M$716.39M$299.69M
Goodwill$38.61M$38.61M$38.61M$38.61M$38.61M$38.63M$28.10M$28.10M$28.10M$28.10M
Total assets$19.13B$19.29B$18.91B$18.63B$20.79B$18.79B$12.61B$12.24B$12.26B$11.92B
Short-term debt$0---------
Total debt$290.00M$561.70M$661.70M-------
Total liabilities$17.17B$17.62B$17.41B$17.31B$18.68B$16.52B$10.38B$10.20B$10.39B$10.14B
Shareholders' equity$1.97B$1.67B$1.50B$1.33B$2.10B$2.28B$2.23B$2.04B$1.87B$1.79B

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$448.56M$404.15M$362.96M$440.49M$399.72M$297.74M$294.28M$288.32M$235.96M$199.43M
Capital expenditures$11.03M$10.01M$22.60M$20.46M$13.35M$16.07M$22.48M$20.51M$9.42M$10.37M
Free cash flow$437.52M$394.14M$340.36M$420.03M$386.37M$281.67M$271.81M$267.81M$226.55M$189.06M
Investing cash flow-$170.39M$136.23M-$78.45M-$681.46M-$1.26B-$1.24B-$342.97M-$223.26M-$73.26M$83.19M
Financing cash flow-$778.98M-$44.13M-$101.85M-$1.82B$1.91B$1.79B$106.58M-$195.26M$254.00M-$735.40M
Dividends paid$115.52M$105.58M$99.67M$87.82M$65.02M$43.42M$30.36M$6.52M$0$0
Share repurchases$153.67M$102.39M$203.24M$277.77M$216.52M$206.0K$1.96M$2.83M$2.50M$1.13M
Stock-based compensation$10.10M$8.71M$7.80M$5.41M$5.46M$5.12M$3.95M$5.83M$7.30M$6.88M
Depreciation and amortization$17.20M$18.60M$20.50M$22.30M$25.00M$20.10M$17.60M$15.00M$16.40M$17.60M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY2.4%6.0%17.3%7.6%13.9%4.9%8.4%8.7%-3.3%-2.0%
Net income growth, YoY15.4%-1.4%-0.7%8.6%174.8%-38.9%-17.0%201.1%-28.2%337.8%
EPS growth, YoY18.8%5.8%7.5%21.4%184.8%--17.4%206.7%-30.2%-
Net margin27.5%24.4%26.2%30.9%30.7%12.7%21.8%28.5%10.3%13.8%
Free cash flow margin34.9%32.2%29.4%42.6%42.2%35.0%35.5%37.9%34.8%28.1%
Return on equity17.5%17.9%20.2%23.0%13.4%4.5%7.5%9.9%3.6%5.2%
Return on assets1.8%1.5%1.6%1.6%1.4%0.5%1.3%1.6%0.5%0.8%
Debt to equity0.150.340.44-------

Source: XBRL data First BanCorp. New files with the SEC, latest filing dated Nov 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

FBP peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
FBP$1.30B+1.7%$368.15M28.4%$3.98B
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

FBP FAQ

8 questions
  • What is FBP revenue?
    First BanCorp. New (FBP) reported $1.30B of revenue for the twelve months ended Sep 30, 2026. That is up 1.7% from the year before. Revenue for fiscal 2025 was $1.26B.
  • Is FBP profitable?
    Yes. First BanCorp. New earned $368.15M in net income for the twelve months ended Sep 30, 2026, a net margin of 28.4%.
  • How much cash and debt does FBP have?
    First BanCorp. New reported $462.71M in cash and cash equivalents and $200.00M of debt on its most recent balance sheet in SEC filings.
  • How fast is FBP revenue growing?
    First BanCorp. New's revenue changed +2.4% in fiscal 2025, to $1.26B. Its compound annual growth rate was +9.3% over 5 years and +6.2% over 10 years.
  • What is FBP free cash flow?
    First BanCorp. New generated $407.50M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $425.60M less capital expenditures.
  • What is FBP earnings per share?
    Diluted earnings per share were $2.37 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did FBP last report financial results?
    The latest statements here come from First BanCorp. New's 10-Q filed on Nov 6, 2026, covering the period ended Sep 30, 2026.
  • Where does this FBP financial data come from?
    Quantisnow builds these statements from the structured XBRL data First BanCorp. New files with the SEC. It is provided for information only and is not investment advice.