ES
MARKETS / NYSE / FBP
NYSE · STATE COMMERCIAL BANKS · LARGE CAP

First Bancorp. FBP

17 fiscal years on record · USD · FY2025 reported
SEC FILINGS ONLY7 YEARS OF DIVIDEND GROWTH
Revenue · FY2025
$1.0B
▲ 6.7% vs FY2024
Dividend streak
7 yrs
Raised every year since 2019
EPS · FY25
$2.15
Dividend / sh · FY25
$0.72
Payout · FY25
33%
ROE · FY25
19.0%
Net margin · FY25
34.5%
Dividend coverage
3.0×
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Result
USD 1.0B
Revenue, FY2025 · full 17-year series below
Revenue Net income
0.40.81.21.00.32009201220152018202120242025
0.40.81.21.00.32016201920222025

34 cents of every revenue dollar became profit this year.

Per share
USD 2.15
Diluted EPS, FY2025
EPS Dividend
0.81.62.40.722.152009201220152018202120242025
0.81.62.40.722.152016201920222025

Earnings covered the dividend 3.0 times — the rest stayed in the company.

Profitability
19.0%
Return on equity, FY2025
ROE
816243219.0%2009201220152018202120242025
816243219.0%2016201920222025
Operating margin41.6%
Net margin34.5%
Return on assets1.8%

Each USD of equity produced 19 cents of profit this year.

Returned to shareholders
USD 269.2M
returned in FY2025 · dividends + net buybacks
Dividends paidUSD 115.5M
Net buybacksUSD 153.7M
Share of profit78.1%
Consecutive raises7 years

USD 115.5M in dividends and USD 153.7M in buybacks — 78% of the year's profit went back to shareholders.

Growth
+7.1% a year
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
Revenue
+2.9%
+7.1%
+3.8%
+0.3%
Net income
+4.2%
+27.5%
+32.1%
EPS, diluted
+10.6%
+36.1%
+35.9%
Dividend / share
+16.1%
+29.2%
Returned to shareholders
−9.7%
+43.9%
+72.2%

Compound annual rates per period — left blank where the series crosses a loss.

Share base
0.16B
Shares outstanding, FY2025
0.020.162009201220152018202120242025
0.220.162016201920222025
Change, 5 years−28.2%
Change, 10 years−27.2%

The share count shrank 28% in five years — the same company, cut into fewer, larger slices.

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Balance sheet
USD 19.1B
total assets, end of FY2025
Total assetsUSD 19.1B
EquityUSD 2.0B
CashUSD 658.6M
Gross debtUSD 290.0M
Net debtUSD -368.6M
DepositsUSD 16.7B

The company holds more cash than debt.

History
17 fiscal years
Every figure from documents filed with the SEC · USD
Metric
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
Revenue $B
1.0
0.9
0.9
0.9
0.9
0.7
0.7
0.6
0.7
0.7
0.7
0.7
0.6
0.7
0.8
1.0
·
Operating income $B
0.4
0.4
0.4
0.4
0.4
0.1
0.2
0.2
0.1
0.1
0.0
0.1
−0.0
0.1
0.0
−0.3
·
EBITDA $B
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
Income tax $B
0.1
0.1
0.1
0.1
0.1
0.0
0.1
−0.0
−0.0
−0.0
0.0
−0.3
0.0
0.0
0.0
0.1
0.0
Net income $B
0.3
0.3
0.3
0.3
0.3
0.1
0.2
0.2
0.1
0.1
0.0
0.4
−0.2
0.0
−0.1
−0.5
−0.3
EPS, diluted $
2.15
1.81
1.71
1.59
1.31
0.46
0.76
0.92
0.30
0.43
0.10
1.87
−0.80
0.14
2.18
−10.79
−52.22
Dividend / sh $
0.72
0.64
0.56
0.46
0.31
0.20
0.14
0.03
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2.10
Payout %
33
35
33
29
23
42
18
3
0
0
0
0
−0
0
−32
−0
−16
ROE %
19.0
18.9
21.5
17.8
12.8
4.5
7.8
10.3
3.7
5.4
1.3
27.2
−12.2
2.0
−6.6
−39.5
−17.2
Shares out B
0.16
0.16
0.17
0.18
0.20
0.22
0.22
0.22
0.22
0.22
0.22
0.21
0.21
0.21
0.21
0.02
·

Slide the table for earlier years · "·" marks figures not disclosed in the filing for that year.

How we verifyAUDITED
32 of 32
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity

Every figure was compared against the original statement: 0 failures and 0 presentation gaps.

What we don’t show

We’d rather say what’s missing than fill the gap with an estimate.

P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed