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First BanCorp. FBP

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26.12 USD -0.41 (-1.55%)

Nov 5, 2026, 12:37 PM EST

26.04 Day range 27.21
19.28 52-week range 29.88
YTD
+26.00%
1 year
+30.47%

Financial health

Altman Z-Score

0.49 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 3
  • Return on Equity 5
  • Return on Assets 4
  • Debt / Equity 4
  • P/E 3
  • P/B 2

Valuation

P/E 9.6×
FY 2016: 15.0×FY 2017: 17.0×FY 2018: 9.3×FY 2019: 13.9×FY 2020: 20.0×FY 2021: 10.4×FY 2022: 8.0×FY 2023: 9.6×FY 2024: 10.2×FY 2025: 9.6×
FY 2016 5y median 9.6× FY 2025
P/S 2.6×
FY 2016: 2.2×FY 2017: 1.8×FY 2018: 2.8×FY 2019: 3.1×FY 2020: 2.6×FY 2021: 3.3×FY 2022: 2.5×FY 2023: 2.6×FY 2024: 2.6×FY 2025: 2.6×
FY 2016 5y median 2.6× FY 2025
P/B 1.7×
FY 2016: 0.8×FY 2017: 0.6×FY 2018: 0.9×FY 2019: 1.0×FY 2020: 0.9×FY 2021: 1.4×FY 2022: 1.8×FY 2023: 1.9×FY 2024: 1.8×FY 2025: 1.7×
FY 2016 5y median 1.8× FY 2025
P/FCF 7.6×
FY 2016: 7.4×FY 2017: 4.8×FY 2018: 6.9×FY 2019: 8.4×FY 2020: 7.1×FY 2021: 7.5×FY 2022: 5.8×FY 2023: 8.5×FY 2024: 7.8×FY 2025: 7.6×
FY 2016 5y median 7.6× FY 2025
EV/EBITDA 6.9×
FY 2016: 17.5×FY 2017: 19.4×FY 2018: 11.2×FY 2019: 10.0×FY 2020: 10.5×FY 2021: 2.2×FY 2022: 6.0×FY 2023: 6.8×FY 2024: 5.9×FY 2025: 6.9×
FY 2016 5y median 6.0× FY 2025
EV/Sales 2.4×
FY 2016: 4.2×FY 2017: 2.6×FY 2018: 3.5×FY 2019: 3.6×FY 2020: 1.9×FY 2021: 1.2×FY 2022: 3.0×FY 2023: 2.6×FY 2024: 2.1×FY 2025: 2.4×
FY 2016 5y median 2.4× FY 2025
FCF Yield 13.1%
FY 2016: 13.4%FY 2017: 20.8%FY 2018: 14.4%FY 2019: 11.8%FY 2020: 14.1%FY 2021: 13.3%FY 2022: 17.3%FY 2023: 11.7%FY 2024: 12.9%FY 2025: 13.1%
FY 2016 5y median 13.1% FY 2025

Profitability

Gross Margin 72.9%
FY 2016: 70.4%FY 2017: 61.3%FY 2018: 76.3%FY 2019: 79.7%FY 2020: 65.8%FY 2021: 100.1%FY 2022: 90.0%FY 2023: 73.9%FY 2024: 70.7%FY 2025: 72.9%
FY 2016 5y median 73.9% FY 2025
Operating Margin 33.2%
FY 2016: 20.4%FY 2017: 10.0%FY 2018: 28.5%FY 2019: 32.8%FY 2020: 15.1%FY 2021: 48.5%FY 2022: 46.9%FY 2023: 35.4%FY 2024: 32.8%FY 2025: 33.2%
FY 2016 5y median 35.4% FY 2025
Net Margin 27.4%
FY 2016: 14.6%FY 2017: 10.8%FY 2018: 30.2%FY 2019: 22.9%FY 2020: 13.3%FY 2021: 31.9%FY 2022: 32.0%FY 2023: 27.0%FY 2024: 25.0%FY 2025: 27.4%
FY 2016 5y median 27.4% FY 2025
ROE 17.5%
FY 2016: 5.2%FY 2017: 3.6%FY 2018: 9.9%FY 2019: 7.5%FY 2020: 4.5%FY 2021: 13.4%FY 2022: 23.0%FY 2023: 20.2%FY 2024: 17.9%FY 2025: 17.5%
FY 2016 5y median 17.9% FY 2025
ROIC 1.8%
FY 2016: 3.1%FY 2017: 2.0%FY 2018: 6.1%FY 2019: 5.4%FY 2020: 3.2%FY 2021: 10.1%FY 2022: 13.5%FY 2023: 12.9%FY 2024: 12.3%FY 2025: 1.8%
FY 2016 5y median 12.3% FY 2025
ROA 1.8%
FY 2016: 0.8%FY 2017: 0.5%FY 2018: 1.6%FY 2019: 1.3%FY 2020: 0.5%FY 2021: 1.4%FY 2022: 1.6%FY 2023: 1.6%FY 2024: 1.5%FY 2025: 1.8%
FY 2016 5y median 1.6% FY 2025

Growth (YoY)

Revenue 5.3%
FY 2016: 5.1%FY 2017: -2.8%FY 2018: 7.7%FY 2019: 9.3%FY 2020: 5.4%FY 2021: 14.5%FY 2022: 8.1%FY 2023: 17.8%FY 2024: 6.2%FY 2025: 5.3%
FY 2016 FY 2025
Operating Income 6.5%
FY 2016: 370.0%FY 2017: -52.4%FY 2018: 207.6%FY 2019: 25.6%FY 2020: -51.4%FY 2021: 267.8%FY 2022: 4.6%FY 2023: -11.2%FY 2024: -1.6%FY 2025: 6.5%
FY 2016 FY 2025
EPS (diluted) 18.8%
FY 2016: 330.0%FY 2017: -30.2%FY 2018: 206.7%FY 2019: -17.4%FY 2020: -39.5%FY 2021: 184.8%FY 2022: 21.4%FY 2023: 7.5%FY 2024: 5.8%FY 2025: 18.8%
FY 2016 FY 2025
Free Cash Flow 10.1%
FY 2016: -24.2%FY 2017: 19.8%FY 2018: 18.2%FY 2019: 1.5%FY 2020: 3.6%FY 2021: 37.2%FY 2022: 8.7%FY 2023: -19.0%FY 2024: 15.8%FY 2025: 10.1%
FY 2016 FY 2025

Financial Health

Current Ratio 6.9×
FY 2016: 0.2×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.5×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 6.9×
FY 2016 5y median 0.4× FY 2025
Quick Ratio 6.9×
FY 2016: 0.2×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.5×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 6.9×
FY 2016 5y median 0.4× FY 2025
Debt / Equity 0.2×
FY 2016: 0.9×FY 2017: 0.7×FY 2018: 0.5×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 0.7×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA -0.7×
FY 2016: 8.3×FY 2017: 6.2×FY 2018: 2.4×FY 2019: 1.2×FY 2020: -3.6×FY 2021: -4.0×FY 2022: 1.0×FY 2023: -0.0×FY 2024: -1.4×FY 2025: -0.7×
FY 2016 5y median -0.7× FY 2025
Interest Coverage 1.6×
FY 2016: 1.3×FY 2017: 0.6×FY 2018: 1.9×FY 2019: 2.2×FY 2020: 1.3×FY 2021: 6.6×FY 2022: 6.6×FY 2023: 1.8×FY 2024: 1.4×FY 2025: 1.6×
FY 2016 5y median 1.8× FY 2025

Dividends

Dividend Yield 3.5%
FY 2016: 0.0%FY 2017: 0.2%FY 2018: 0.5%FY 2019: 1.4%FY 2020: 2.3%FY 2021: 2.3%FY 2022: 3.6%FY 2023: 3.4%FY 2024: 3.5%FY 2025: 3.5%
FY 2016 5y median 3.5% FY 2025
Payout Ratio 33.5%
FY 2016: 0.2%FY 2017: 4.0%FY 2018: 4.6%FY 2019: 19.7%FY 2020: 45.1%FY 2021: 24.0%FY 2022: 28.8%FY 2023: 32.9%FY 2024: 35.3%FY 2025: 33.5%
FY 2016 5y median 32.9% FY 2025

Annual · latest fiscal year ends 2025-12-31