First BanCorp. operates as the bank holding company for FirstBank Puerto Rico that provides financial products and services to consumers and commercial customers. Valued at $4.31B, FBP is a mid-cap name in its sector. It operates through six segments: Mortgage Banking; Consumer (Retail) Banking; Commercial and Corporate Banking; Treasury and Investments; United States Operations; and Virgin Islands Operations.
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With $550.9M in cash and $290.0M in debt, FBP maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. ROE of 19.0% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. 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).
Investors considering First BanCorp. should weigh the typical risks associated with FBP's sector, size, and financial profile against their own risk tolerance and investment objectives. No single metric tells the full story. Reviewing FBP's risk profile alongside its fundamentals and technical indicators provides a more complete picture.