First BanCorp.
FBPFinancial ServicesNASDAQBanks - Regional
Scan Results
Daily timeframeFirst BanCorp. operates as the bank holding company for FirstBank Puerto Rico that provides financial products and services to consumers and commercial customers. The company carries a $3.71B market cap, placing it firmly in the mid-cap category. It operates through six segments: Mortgage Banking; Consumer (Retail) Banking; Commercial and Corporate Banking; Treasury and Investments; United States Operations; and Virgin Islands Operations.
Market Cap
$3.71B
Beta
0.84
P/E (TTM)
10.67
P/E (Fwd)
10.03
EPS (TTM)
$2.25
EPS (Fwd)
$2.39
ROE
19.0%
ROA
1.9%
Cash
$550.9M
Total Debt
$290.0M
Free CF
—
52W Change
20.2%
Annual Financials
Cash vs Debt
The balance sheet looks solid with $550.9M in cash comfortably exceeding the $290.0M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. Return on equity stands at 19.0%, which is strong for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.9% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $886.6M (2022) to $961.7M (2025).
As with any equity investment, FBP carries market risk, sector-specific risk, and company-specific risk that investors should evaluate in the context of their own portfolios. No single metric tells the full story. Reviewing FBP's risk profile alongside its fundamentals and technical indicators provides a more complete picture.