Stock Fundamentals

Company Information

Company Name
First BanCorp.
Sector
Financial Services
Industry
Banks - Regional
Exchange
NYSE
ISIN: US3186721029
CIK: 0001057706
CUSIP: 318672706
Currency: USD
Full Time Employees: 3,218
Phone: 787 729 8200
Fiscal Year End: December
IPO Date: Feb 25, 1992
Description:

First BanCorp. operates as the bank holding company for FirstBank Puerto Rico that provides financial products and services to consumers and commercial customers. It operates through six segments: Mortgage Banking; Consumer (Retail) Banking; Commercial and Corporate Banking; Treasury and Investments; United States Operations; and Virgin Islands Operations. The Mortgage Banking segment engages in the origination, sale, and servicing of various residential mortgage loans; hedging activities; purchase of mortgage loans from branch and mortgage bankers; and origination of residential real estate loans. The Consumer (Retail) Banking segment is involved in consumer lending, commercial lending to small businesses, commercial transaction banking, and deposit-taking activities. The Commercial and Corporate Banking segment offers lending and other services, including commercial lending and commercial deposit-taking activities. The Treasury and Investments segment manages funding; and obtains funds through brokered deposits, advances from the FHLB, and repurchase agreements involving investment securities, among other funding sources. The United States Operations segment provides checking, savings, and money market accounts; retail CDs; internet banking services; residential mortgages; home equity loans and lines of credit; retail deposits; cash management services; remote data capture; automated clearing house transactions; and traditional commercial and industrial, and commercial real estate products, such as lines of credit, term loans, and construction loans. The Virgin Islands Operations segment focuses on consumer and commercial lending, and deposit-taking activities. The company also offers automobile financing and insurance agency services. First BanCorp. was founded in 1948 and is headquartered in San Juan, Puerto Rico.

Address:

1519 Ponce de Leon Avenue, San Juan, PR, United States, 00908

Directors & Officers

Name Title Year Born
Mr. Aurelio Aleman-Bermudez President, CEO & Director 1959
Mr. Orlando Berges-González CPA Executive VP & CFO 1958
Mr. Juan Carlos Pavia Executive VP & COO 1980
Ms. Nayda Rivera-Batista CPA Executive VP, Corporate Chief of Staff & Chief Consumer Officer 1973
Ms. Lilian Diaz-Bento Executive VP & Business Group Director 1967
Mr. Said Ortiz CPA Senior VP, Chief Accounting Officer, Controller & Senior VP of Division Director NA
Mr. Ramon Rodriguez C.F.A. Senior Vice President of Corporate Strategy / Investor Relations NA
Ms. Sara Alvarez-Cabrero Executive VP, General Counsel & Secretary of the Board 1975
Carmen Pagan Senior VP, Compliance Director & Senior VP of Division Director NA
Ms. Ginoris Lopez-Lay Executive VP & Strategic Management Director 1968

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Feb 11, 2026 Roberto R Herencia N/A Sale 4.72K $22.63 $106.88K
Jan 28, 2026 Michael Mcdonald N/A Sale 34.12K $22.11 $754.44K
Aug 22, 2025 Aurelio Aleman N/A Sale 50.00K $22.30 $1.12M

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 22.90M Mar 31, 2026 14.80% $0.01 0.47%
Vanguard Group Inc 21.47M Dec 31, 2025 13.88% $0.01 1.96%
Vanguard Portfolio Management, LLC 13.00M Mar 31, 2026 8.41% $0.01 0.00%
FMR Inc 9.67M Mar 31, 2026 6.25% $0.01 -1.23%
State Street Corp 8.44M Mar 31, 2026 5.45% $0.01 0.79%
Dimensional Fund Advisors, Inc. 7.89M Mar 31, 2026 5.10% $0.04 -2.06%
Vanguard Capital Management, LLC 6.98M Mar 31, 2026 4.51% $0.00 0.00%
American Century Companies Inc 6.16M Mar 31, 2026 3.98% $0.07 -11.48%
First Trust Advisors L.P. 4.86M Mar 31, 2026 3.14% $0.07 12.18%
Geode Capital Management, LLC 4.75M Mar 31, 2026 3.07% $0.01 2.45%
AllianceBernstein L.P. 3.98M Mar 31, 2026 2.57% $0.03 -3.60%
T. Rowe Price Associates, Inc. 3.79M Mar 31, 2026 2.45% $0.01 3.67%
Frontier Capital Management CO Inc 2.92M Mar 31, 2026 1.89% $0.64 -4.09%
Arrowstreet Capital Limited Partnership 2.66M Mar 31, 2026 1.72% $0.03 48.71%
Northern Trust Corp 2.17M Mar 31, 2026 1.40% $0.01 0.76%
Morgan Stanley - Brokerage Accounts 2.15M Mar 31, 2026 1.39% $0.00 -9.37%
NORGES BANK 2.03M Dec 31, 2025 1.31% $0.00 2.27%
LSV Asset Management 1.89M Mar 31, 2026 1.22% $0.09 36.78%
Boston Partners Global Investors, Inc 1.81M Mar 31, 2026 1.17% $0.04 908.82%
Bank of New York Mellon Corp 1.70M Mar 31, 2026 1.10% $0.01 -2.47%

Shares Statistics

Shares Outstanding: 154.68M
Shares Float: 149.74M
% Insiders: 181.20%
% Institutions: 10,022.50%
Short % Float: 7.32%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 iShares Core S&P Small-Cap ETF 9.44M 6.10% ▲ 0.00% May 29, 2026
2 Vanguard Total Stock Mkt Idx Inv 4.98M 3.22% ▲ 0.32% Apr 30, 2026
3 Avantis US Small Cap Value ETF 4.93M 3.19% ▲ 0.06% May 30, 2026
4 First Trust SMID Cp Rising Div Achv ETF 4.26M 2.76% ▼ 0.25% May 31, 2026
5 iShares Russell 2000 ETF 3.69M 2.39% ▲ 0.00% May 29, 2026
6 Vanguard Small Cap Index 3.61M 2.33% ▼ 0.23% Apr 30, 2026
7 Fidelity Stock Selector Small Cap 2.91M 1.88% ▲ 0.69% Mar 31, 2026
8 Vanguard Small Cap Value Index Inv 2.32M 1.50% ▲ 0.75% Apr 30, 2026
9 Fidelity Series Small Cap Opps 2.28M 1.47% ▼ 1.03% Mar 31, 2026
10 T. Rowe Price Integrated US SmCapGrEq 2.25M 1.45% ▲ 0.00% Mar 31, 2026

Valuation Metrics

Enterprise Value: $3.66B
Trailing P/E: 11.33
Forward P/E: 20.75

Financial Highlights

Market Cap: $3.94B
P/E Ratio: $11.33
PEG Ratio: $4.15
Book Value: $12.81
Dividend/Share: $0.74
Dividend Yield: 2.96%
Earnings/Share: $2.25
Profit Margin: 38.22%
Operating Margin: 47.80%
ROA (TTM): 1.87%
ROE (TTM): 19.04%
Revenue (TTM): $932.90M
Revenue/Share (TTM): $5.90
Earnings Growth (YOY): 21.30%
Revenue Growth (YOY): 8.10%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 6.85x 0.16x 0.90x 1.64x 0.74x
2024-12-31 0.34x 0.34x 0.91x 1.36x 1.35x
2023-12-31 0.36x 0.76x 0.92x 1.76x 2.67x
2022-12-31 0.36x 0.55x 0.93x 6.65x 1.53x
2021-12-31 44.84x 0.19x 0.90x 6.60x 0.86x
2020-12-31 0.37x 0.21x 0.88x 1.26x 3.40x
2019-12-31 0.28x 0.13x 0.82x 2.20x 1.09x
2018-12-31 0.29x 0.16x 0.83x 1.91x 1.60x
2017-12-31 0.27x 0.27x 0.85x 0.64x 6.14x
2016-12-31 0.22x 0.50x 0.85x 1.29x 5.80x
2015-12-31 0.21x 0.61x 0.87x 0.27x 19.04x
2014-12-31 7.35x 1.01x 0.87x 0.79x 14.37x
2013-12-31 0.17x 0.93x 0.90x -1.22x -8.76x
2012-12-31 0.17x 0.90x 0.89x 0.20x 21.20x
2011-12-31 0.14x 0.87x 0.89x -0.27x -27.28x
2010-12-31 0.03x 3.16x 0.93x -1.14x -8.41x
2009-12-31 0.05x 3.07x 0.92x -0.57x -19.67x
2008-12-31 0.03x 4.69x 0.92x 0.13x 74.61x
2007-12-31 0.02x 2.67x 0.92x 0.12x 31.78x
2006-12-31 0.06x 5.17x 0.94x 0.20x 38.10x
2005-12-31 5.76x 0.92x 0.94x N/A 3.39x
2004-12-31 0.01x 4.63x 0.92x 0.76x 21.73x
2003-12-31 0.01x 4.56x 0.91x 0.46x 27.25x
2002-12-31 0.05x 4.47x 0.92x 0.48x 24.69x
2001-12-31 0.01x 6.22x 0.93x 0.38x 31.65x
2000-12-31 0.02x 4.75x 0.93x 0.30x 22.70x
1999-12-31 0.03x 5.44x 0.94x 0.38x 21.02x
1998-12-31 0.01x 6.33x 0.93x 0.36x 26.19x
1997-12-31 0.02x 5.08x 0.93x 0.43x 19.09x
1996-12-31 0.02x 3.16x 0.93x 0.44x 10.76x
1995-12-31 0.03x 2.65x 0.93x 0.65x 6.67x
1994-12-31 0.03x 3.36x 0.94x 0.57x 8.52x
1993-12-31 0.08x 3.19x 0.95x 0.39x 9.26x
1992-12-31 0.03x 3.10x 0.95x 0.21x 12.47x
1991-12-31 0.03x 2.86x 0.96x 0.12x 12.47x
1990-12-31 0.03x 3.73x 0.97x -0.14x -17.78x
1989-12-31 N/A N/A N/A N/A 0.00x
1988-12-31 N/A N/A N/A N/A 0.00x

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