First BanCorp (FBP)
Provides commercial, consumer, auto, and mortgage banking across Puerto Rico, Florida, and the Virgin Islands.
$26.91
After hours0.00 (0.00%)
At close$26.91(−2.00%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 295 | 275 | 299 | 300 | 302 | 292 | 309 | 302 | 305 | 320 | 318 | 324 |
| Cost of revenue | 74 | 88 | 85 | 84 | 88 | 92 | 89 | 83 | 82 | 85 | 76 | 76 |
| Gross profit | 221 | 187 | 214 | 216 | 214 | 200 | 219 | 219 | 222 | 235 | 242 | 248 |
| 112 | 102 | 117 | 115 | 117 | 104 | 119 | 116 | 116 | 128 | 128 | 128 | |
| 63 | 71 | 66 | 64 | 65 | 67 | 68 | 66 | 66 | 85 | 87 | 86 | |
| Selling & marketing | 5 | 7 | 4 | 4 | 4 | 5 | 3 | 3 | 4 | 0 | 0 | 0 |
| General & administrative | 59 | 64 | 63 | 60 | 61 | 61 | 64 | 62 | 62 | 85 | 87 | 86 |
| Other expenses | 49 | 31 | 50 | 51 | 52 | 37 | 51 | 50 | 50 | 43 | 41 | 43 |
| Operating income | 109 | 85 | 97 | 101 | 96 | 96 | 100 | 103 | 106 | 107 | 114 | 120 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest income | 263 | 265 | 269 | 272 | 275 | 280 | 277 | 278 | 283 | 285 | 280 | 288 |
| Interest expense | 64 | 69 | 72 | 73 | 73 | 70 | 65 | 62 | 65 | 62 | 59 | 59 |
| Income before tax | 109 | 85 | 97 | 101 | 96 | 96 | 100 | 103 | 106 | 107 | 114 | 120 |
| Income tax expense | 27 | 5 | 24 | 26 | 23 | 20 | 23 | 23 | 6 | 20 | 25 | 24 |
| Net income from continuing operations | 82 | 79 | 73 | 76 | 74 | 76 | 77 | 80 | 101 | 87 | 89 | 96 |
| Net income | 82 | 79 | 73 | 76 | 74 | 76 | 77 | 80 | 101 | 87 | 89 | 96 |
| EPS, basic | $0.47 | $0.47 | $0.44 | $0.46 | $0.45 | $0.46 | $0.47 | $0.50 | $0.63 | $0.56 | $0.57 | $0.63 |
| EPS, diluted | $0.46 | $0.46 | $0.44 | $0.46 | $0.45 | $0.46 | $0.47 | $0.50 | $0.63 | $0.55 | $0.57 | $0.62 |
| Weighted average shares, basic | 176 | 171 | 167 | 165 | 165 | 163 | 163 | 161 | 160 | 156 | 155 | 153 |
| Weighted average shares, diluted | 177 | 171 | 168 | 166 | 166 | 166 | 166 | 162 | 160 | 158 | 156 | 154 |
| EBITDA | 116 | 92 | 104 | 108 | 103 | 102 | 106 | 108 | 111 | 112 | 119 | 120 |
| Depreciation & amortization | 7 | 7 | 7 | 6 | 6 | 6 | 6 | 6 | 5 | 4 | 4 | 0 |
| EBIT | 109 | 84 | 97 | 101 | 96 | 96 | 100 | 103 | 106 | 107 | 114 | 120 |