Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
First Bancorp's quarterly P/E stands at 33.4x, down 73.9% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 25.8% YoY to 22.1x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 22.08 | 33.41 | 26.98 | 11.85 | 11.40 | 128.27 | 23.11 | 11.40 | 14.80 | 12.85 | 9.64 | 10.48 | 24.00 |
| — | -73.9% | +16.8% | +4.0% | -23.0% | +898.1% | +139.8% | +8.8% | -38.3% | +29.6% | +11.7% | +23.7% | +118.3% | |
| P/S Ratio | 4.51 | 4.33 | 4.29 | 3.06 | 2.88 | 4.24 | 3.00 | 2.30 | 2.70 | 2.80 | 2.10 | 2.26 | 2.79 |
| — | +2.0% | +42.8% | +33.1% | +6.7% | +51.3% | +42.7% | +1.6% | -3.4% | -20.9% | -32.2% | -29.0% | -26.1% | |
| P/B Ratio | 1.48 | 1.27 | 1.37 | 1.17 | 1.10 | 1.26 | 1.16 | 0.94 | 1.08 | 1.11 | 0.92 | 0.94 | 1.12 |
| — | +0.8% | +17.5% | +25.2% | +1.8% | +13.4% | +26.3% | -0.5% | -3.6% | -24.9% | -30.5% | -19.5% | -15.7% | |
| P/FCF | 12.33 | 9.73 | 11.38 | 10.30 | 7.94 | 6.67 | 11.32 | 3.76 | — | 8.59 | 10.84 | 11.32 | 10.07 |
| — | +45.7% | +0.5% | +174.2% | — | -22.3% | +4.4% | -66.8% | — | +12.3% | +58.2% | +5.1% | +167.6% | |
| EV / EBITDA | 15.39 | 22.07 | 14.73 | 5.28 | 4.45 | 29.75 | 9.23 | 4.36 | 9.64 | 9.43 | 7.25 | 7.66 | 13.41 |
| — | -25.8% | +59.6% | +21.2% | -53.8% | +215.5% | +27.2% | -43.1% | -28.1% | +31.0% | +24.2% | +86.2% | +163.9% | |
| EV / EBIT | 16.50 | 23.39 | 15.52 | 5.67 | 4.83 | 48.28 | 10.97 | 4.90 | 11.08 | 10.67 | 8.16 | 8.63 | 16.75 |
| — | -51.6% | +41.5% | +15.8% | -56.4% | +352.4% | +34.5% | -43.2% | -33.8% | +38.0% | +29.4% | +92.2% | +203.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
First Bancorp's operating margin was 17.9% in Q4 2025, down 2.4 pp QoQ and up 11.5 pp YoY. This marks the 3rd consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor. The trailing four-quarter average of 26.0% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 17.3% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 70.1% | 69.1% | 67.4% | 71.7% | 71.7% | 59.0% | 56.3% | 66.4% | 64.8% | 65.4% | 71.6% | 73.0% | 71.5% |
| — | +17.3% | +19.6% | +8.1% | +10.5% | -9.9% | -21.3% | -9.1% | -9.4% | -25.0% | -22.2% | -25.3% | -25.2% | |
| Operating Margin | 26.6% | 17.9% | 20.3% | 33.3% | 32.4% | 6.4% | 15.8% | 25.7% | 23.0% | 27.7% | 27.3% | 27.5% | 14.8% |
| — | +178.8% | +28.8% | +29.6% | +40.7% | -76.9% | -42.4% | -6.6% | +55.5% | -38.2% | -40.3% | -41.7% | -65.9% | |
| Net Margin | 20.4% | 13.0% | 15.9% | 25.8% | 25.2% | 3.3% | 13.0% | 20.0% | 18.3% | 21.8% | 21.7% | 21.7% | 11.6% |
| — | +291.5% | +22.1% | +28.9% | +37.8% | -84.8% | -39.9% | -7.8% | +57.8% | -38.9% | -39.8% | -42.0% | -66.4% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.2% | 1.0% | 1.3% | 2.5% | 2.5% | 0.2% | 1.3% | 2.1% | 1.8% | 2.3% | 2.3% | 2.3% | 1.3% |
| — | +297.0% | -0.6% | +21.9% | +34.0% | -89.2% | -44.6% | -8.8% | +41.4% | -40.8% | -36.9% | -32.6% | -55.1% | |
| ROA | 0.9% | 0.1% | 0.2% | 0.3% | 0.3% | 0.0% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% |
| — | +323.3% | +4.1% | +29.5% | +41.9% | -88.1% | -38.0% | -1.3% | +58.3% | -32.3% | -30.8% | -30.1% | -58.9% | |
| ROIC | 6.8% | 1.0% | 1.2% | 2.4% | 2.4% | 0.3% | 1.2% | 1.8% | 1.4% | 1.7% | 1.7% | 1.6% | 0.9% |
| — | +177.9% | +4.9% | +33.9% | +64.9% | -79.6% | -31.6% | +15.2% | +53.3% | -42.4% | -47.2% | -49.8% | -65.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
First Bancorp's Debt/EBITDA ratio is 3.2x, up from 0.6x last quarter — at a moderate level that warrants monitoring.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.05 | 0.05 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.20 | 0.23 | 0.27 | 0.33 | 0.42 |
| — | +347.8% | -3.2% | -5.2% | -95.1% | -95.7% | -96.4% | -96.9% | -53.1% | +1.7% | +51.4% | +1758.8% | +2351.7% | |
| Debt / EBITDA | 0.48 | 3.25 | 0.55 | 0.28 | 0.29 | 1.30 | 0.54 | 0.34 | 7.46 | 7.54 | 8.10 | 10.08 | 22.71 |
| — | +149.0% | +3.1% | -18.6% | -96.1% | -82.7% | -93.4% | -96.6% | -67.2% | +64.4% | +137.3% | +2623.3% | +5373.3% | |
| Current Ratio | 0.24 | 0.24 | 0.30 | 0.25 | 0.25 | 0.23 | 0.26 | 0.24 | 0.24 | 0.25 | 0.24 | 0.26 | 0.29 |
| — | +2.4% | +17.8% | +6.0% | +5.3% | -5.6% | +8.6% | -6.9% | -17.9% | -13.3% | -17.6% | -19.7% | -16.2% | |
| Quick Ratio | 0.24 | 0.24 | 0.30 | 0.25 | 0.25 | 0.23 | 0.26 | 0.24 | 0.24 | 0.25 | 0.24 | 0.26 | 0.29 |
| — | +2.4% | +17.8% | +6.0% | +5.3% | -5.6% | +8.6% | -6.9% | -17.9% | -13.3% | -17.6% | -19.7% | -16.2% | |
| Interest Coverage | 0.91 | 0.58 | 0.62 | 1.24 | 1.18 | 0.16 | 0.47 | 0.77 | 0.67 | 0.85 | 0.96 | 1.09 | 0.78 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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First Bancorp's current P/E is 22.1x. The average P/E over the last 4 quarters is 20.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
First Bancorp's current operating margin is 26.6%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking First Bancorp's business trajectory between earnings reports.