First BanCorp

NYSE:FBPFinancial ServicesCBOEFTSE:MRUTSTOXX:EDD24BP

——At close · Market cap — · Next earnings Thu 22 Oct

FBP · Income statement · TradingHolo

USD billions	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	TTM	YoY
Revenue	0.8	0.9	1.0	1.1	1.2	1.3	1.3	+6.9%
Cost of revenue	0.3	(0.0)	0.1	0.3	0.3	0.3	—	—
Gross profit	0.5	0.9	0.9	0.8	0.8	0.9	—	—
Research & development	0.0	0.0	0.0	0.0	0.0	0.0	—	—
Selling, general & administrative	0.2	0.2	0.2	0.3	0.3	0.3	—	—
Selling & marketing	0.0	0.0	0.0	0.0	0.0	0.0	—	—
Operating expenses	0.4	0.5	0.4	0.4	0.5	0.5	—	—
Operating income	0.1	0.4	0.4	0.4	0.4	0.4	0.4	+7.5%
Interest expense	0.1	0.1	0.1	0.2	0.3	0.3	0.1	−73.3%
Interest income	0.7	0.8	0.9	1.0	1.1	1.1	—	—
Other income / expense	0.0	0.0	0.0	0.0	0.0	0.0	—	—
Pre-tax income	0.1	0.4	0.4	0.4	0.4	0.4	0.4	+7.5%
Income tax	0.0	0.1	0.1	0.1	0.1	0.1	0.1	+5.0%
Net income	0.1	0.3	0.3	0.3	0.3	0.3	0.4	+8.0%
Discontinued operations	0.0	0.0	0.0	0.0	0.0	0.0	—	—
Other net income adjustments	0.0	0.0	0.0	0.0	0.0	0.0	—	—
EPS, basic (per share)	0.46	1.32	1.60	1.72	1.82	2.16	2.39	+10.5%
EPS, diluted (per share)	0.46	1.31	1.59	1.71	1.81	2.15	2.37	+10.3%
EBITDA	0.1	0.5	0.5	0.4	0.4	0.4	—	—
Depreciation & amortization	0.0	0.0	0.0	0.0	0.0	0.0	—	—
Weighted average shares (shares)	216,904,000	210,122,000	190,805,000	176,504,000	164,549,000	159,956,000	—	—
Weighted average diluted shares (shares)	217,668,000	211,300,000	191,968,000	177,180,000	165,268,000	160,739,000	—	—
Gross margin	65.8%	100.1%	90.0%	73.9%	70.7%	72.9%	—	—
Operating margin	15.1%	48.5%	46.9%	35.4%	32.8%	33.2%	33.3%	+0.2 pts
Net margin	13.3%	31.9%	32.0%	27.0%	25.0%	27.4%	27.7%	+0.3 pts

USD billionsUpdated Fri 7 Aug ·

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Amounts are shown in the stated units; per-share amounts and shares are unscaled. Negative amounts are in brackets.

TTM ends 2026-06-30 and uses four consecutive reported quarters.