FBP Financials First Bancorp /Pr/

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated 42 d ago Overview →

Growth & profitability

Revenue has grown 7.1% per year over the past 5 years.
Net income has grown faster than revenue (27.5% vs 7.1% per year).
Free cash flow has grown 9.2% per year over the past 5 years.

Financial health

The company holds more cash ($659M) than total debt ($290M).
Total debt has grown slower than revenue (-33.8% vs 7.1% per year).

Shareholder returns

Dividends have been paid for 8 consecutive years, consuming 33.5% of earnings and 26.4% of free cash flow.
The dividend has grown 21.6% per year over the past 5 years.

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key annual figures

FY	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
2025	$1.0B	$345M	0.0%	0.0%	17.5%	1.8%	$438M	$290M	$659M
2024	$938M	$299M	0.0%	0.0%	17.9%	1.5%	$394M	$562M	$1.2B
2023	$930M	$303M	0.0%	0.0%	20.2%	1.6%	$340M	$662M	$663M
2022	$918M	$305M	0.0%	0.0%	23.0%	1.6%	$420M	—	$481M
2021	$851M	$281M	0.0%	0.0%	13.4%	1.4%	$386M	—	$2.5B
2020	$712M	$102M	0.0%	0.0%	4.5%	0.5%	$282M	—	$1.5B
2019	$658M	$167M	0.0%	0.0%	7.5%	1.3%	$272M	—	$644M
2018	$608M	$202M	0.0%	0.0%	9.9%	1.6%	$268M	—	—
2017	—	$67M	—	—	3.6%	0.5%	$227M	—	—
2016	—	$93M	—	—	5.2%	0.8%	$189M	—	—
2015	—	$21M	—	—	1.3%	0.2%	$249M	—	—
2014	—	$392M	—	—	23.5%	3.1%	$242M	—	—
2013	—	-$164M	—	—	-13.5%	-1.3%	$330M	—	—
2012	—	$30M	—	—	2.0%	0.2%	$217M	—	—
2011	—	-$82M	—	—	-5.7%	-0.6%	$144M	—	—

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex, quarterly)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key quarterly figures

Quarter	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
Jun '26	$265M	$96M	0.0%	0.0%	4.9%	0.5%	$87M	$200M	$561M
Mar '26	$259M	$89M	0.0%	0.0%	4.5%	0.5%	$116M	$290M	$551M
Dec '25	$257M	$87M	0.0%	0.0%	4.4%	0.5%	$103M	$290M	$659M
Sep '25	$249M	$101M	0.0%	0.0%	5.2%	0.5%	$135M	$290M	$900M
Jun '25	$247M	$80M	0.0%	0.0%	4.3%	0.4%	$93M	$320M	$737M
Mar '25	$248M	$77M	0.0%	0.0%	4.3%	0.4%	$107M	$331M	$1.3B
Dec '24	$241M	$76M	0.0%	0.0%	4.5%	0.4%	$95M	$562M	$1.2B
Sep '24	$235M	$74M	0.0%	0.0%	4.3%	0.4%	$115M	—	$685M
Jun '24	$232M	$76M	0.0%	0.0%	5.1%	0.4%	$69M	—	$586M
Mar '24	$231M	$73M	0.0%	0.0%	5.0%	0.4%	$114M	—	$685M
Dec '23	$230M	$79M	0.0%	0.0%	5.3%	0.4%	$77M	$662M	$663M
Sep '23	$230M	$82M	0.0%	0.0%	6.3%	0.4%	$114M	—	$585M
Jun '23	$236M	$71M	0.0%	0.0%	5.1%	0.4%	$37M	—	$1.0B
Mar '23	$233M	$71M	0.0%	0.0%	5.0%	0.4%	$114M	—	$824M
Dec '22	$235M	$73M	0.0%	0.0%	5.5%	0.4%	$101M	—	$481M
Sep '22	$238M	$75M	0.0%	0.0%	5.9%	0.4%	$112M	—	$481M
Jun '22	$227M	$75M	0.0%	0.0%	4.8%	0.4%	$100M	—	$1.3B
Mar '22	$218M	$83M	0.0%	0.0%	4.6%	0.4%	$108M	—	$1.7B
Dec '21	$215M	$74M	0.0%	0.0%	3.5%	0.4%	$94M	—	$2.5B
Sep '21	$215M	$76M	0.0%	0.0%	3.4%	0.4%	$76M	—	$2.7B

Valuation over time

How the market has priced FBP against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

The price-to-earnings ratio has risen from 5.7× (Mar '23) to 12.6× (Sep '26).
The price-to-sales ratio has risen from 1.9× (Mar '23) to 4.3× (Sep '26).
The dividend yield has fallen from 5.0% (Mar '23) to 2.7% (Sep '26).

Price / earnings (P/E)

P/E

Price / sales (P/S)

P/S

Dividend yield (%)

Dividend yield %

Frequently asked questions

Is FBP growing its revenue and profit?

Over the past 5 years, First Bancorp /Pr/'s revenue has grown 7.1% per year, and net income grown 27.5% per year. These are computed facts, not advice.

How much debt does FBP have?

As of FY2025, First Bancorp /Pr/ reported $290M of total debt against $659M of cash.

What is FBP's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin 34.5%.

What is FBP's P/E ratio?

As of Sep '26, First Bancorp /Pr/ traded at a price-to-earnings ratio of about 12.6× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.