Stocktoria

FIRST BANCORP /PR/ FBP

NYSE · stock · State Commercial Banks · website · IPO 1987-01-13

FIRST BANCORP /PR/ statistics & valuation

Market cap$4.1B
P / E11.8×
P / S3.2×
P / B2.1×
P / FCF9.3×
Dividend yield2.83%
Net margin27.5%
Return on equity17.5%
FCF margin34.9%
Net debt$290.0M
Enterprise value USD$4.4B
Graham number -16.7%$24.33

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($24.33); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
13.80% 10.30% 28.50% 21.80% 12.70% 30.70% 30.90% 26.20% 24.40% 27.50% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
5.20% 3.60% 9.90% 7.50% 4.50% 13.40% 23.00% 20.20% 17.90% 17.50% 2016201720182019202020212022202320242025
Shares outstanding
217.4M 216.3M 217.2M 217.4M 218.2M 211.3M 192.0M 177.2M 165.3M 160.7M 2016201720182019202020212022202320242025
Net debt ($)
$661.7M $561.7M $290.0M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.80% 0.50% 1.60% 1.30% 0.50% 1.40% 1.60% 1.60% 1.50% 1.80% 2016201720182019202020212022202320242025
Free cash flow margin (%)
28.10% 34.80% 37.90% 35.50% 35.00% 42.20% 42.60% 29.40% 32.20% 34.90% 2016201720182019202020212022202320242025
Debt / equity (×)
0.44× 0.34× 0.15× 2016201720182019202020212022202320242025
EPS ($)
$0.43 $0.30 $0.92 $0.76 $0.46 $1.31 $1.59 $1.71 $1.81 $2.15 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

FIRST BANCORP /PR/ trades at about 13.6× earnings — above its 10-year norm (10-year range 8.5×–20×, median 11.6×).

8.5× 20×

Shaded band = 10-year range (8.5×–20×); dot = today's 13.6×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin27.5%24.4%26.2%30.9%30.7%12.7%21.8%28.5%10.3%13.8%
FCF margin34.9%32.2%29.4%42.6%42.2%35.0%35.5%37.9%34.8%28.1%
Return on assets1.8%1.5%1.6%1.6%1.4%0.5%1.3%1.6%0.5%0.8%
Return on equity17.5%17.9%20.2%23.0%13.4%4.5%7.5%9.9%3.6%5.2%
Debt / equity0.15×0.34×0.44×———————

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.