First BanCorp. (FBP) Earnings History
Elite Compounder36 years of earnings data (1990–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
Loading earnings history...
First BanCorp. (FBP) Earnings Overview
As of June 21, 2026, First BanCorp. (FBP) reported trailing twelve-month net income of $345M, reflecting +18.8% year-over-year growth. The company earned $2.18 per diluted share over the past four quarters, with a net profit margin of 27.4%.
Looking at the long-term picture, FBP's 5-year EPS compound annual growth rate (CAGR) stands at +36.1%, indicating exceptional earnings growth. The company achieved its highest annual net income of $392M in fiscal 2014.
First BanCorp. maintains industry-leading profitability with a gross margin of 72.9%, operating margin of 33.2%, and net margin of 27.4%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including OFG ($205M net income, 23.8% margin), BPOP ($833M net income, 18.8% margin), NBTB ($169M net income, 19.5% margin), FBP has outperformed on profitability metrics. Compare FBP vs OFG →
FBP Earnings vs Peers
Earnings metrics vs comparable public companies
FBP Historical Earnings Data (1990–2025)
36 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $345M | +15.4% | $417M | $2.15 | 27.4% | 33.2% |
| 2024 | $299M | -1.4% | $391M | $1.81 | 25.0% | 32.8% |
| 2023 | $303M | -0.7% | $397M | $1.71 | 27.0% | 35.4% |
| 2022 | $305M | +8.6% | $448M | $1.59 | 32.0% | 46.9% |
| 2021 | $281M | +174.8% | $428M | $1.31 | 31.9% | 48.5% |
| 2020 | $102M | -38.9% | $116M | $0.46 | 13.3% | 15.1% |
| 2019 | $167M | -17.0% | $239M | $0.76 | 22.9% | 32.8% |
| 2018 | $202M | +201.1% | $191M | $0.92 | 30.2% | 28.5% |
| 2017 | $67M | -28.2% | $62M | $0.30 | 10.8% | 10.0% |
| 2016 | $93M | +337.8% | $130M | $0.43 | 14.6% | 20.4% |
| 2015 | $21M | -94.6% | $28M | $0.10 | 3.5% | 4.6% |
| 2014 | $392M | +338.5% | $92M | $1.87 | 63.1% | 14.7% |
| 2013 | -$164M | -652.3% | -$159M | $-0.80 | -27.0% | -26.1% |
| 2012 | $30M | +136.2% | $36M | $0.14 | 4.8% | 5.7% |
| 2011 | -$82M | +84.3% | -$73M | $2.18 | -11.8% | -10.5% |
| 2010 | -$524M | -90.5% | -$421M | $-2.51 | -58.8% | -47.2% |
| 2009 | -$275M | -350.3% | -$271M | $-52.20 | -24.1% | -23.7% |
| 2008 | $110M | +61.3% | $78M | $11.25 | 9.1% | 6.5% |
| 2007 | $68M | -19.5% | $90M | $4.80 | 5.5% | 7.2% |
| 2006 | $85M | -26.2% | $112M | $7.95 | 6.3% | 8.4% |
| 2005 | $115M | -35.4% | $130M | $13.50 | 10.1% | 11.5% |
| 2004 | $177M | +47.9% | $224M | $12.37 | 23.6% | 29.8% |
| 2003 | $120M | +11.1% | $138M | $8.17 | 18.3% | 21.1% |
| 2002 | $108M | +25.5% | $130M | $9.90 | 18.0% | 21.8% |
| 2001 | $86M | +27.8% | $107M | $3.85 | 15.1% | 18.8% |
| 2000 | $67M | +8.4% | $82M | $3.69 | 13.1% | 16.0% |
| 1999 | $62M | +19.8% | $69M | $9.90 | 15.4% | 17.3% |
| 1998 | $52M | +9.1% | $57M | $8.70 | 13.6% | 14.9% |
| 1997 | $48M | +26.3% | $56M | $1.32 | 14.6% | 17.1% |
| 1996 | $38M | -23.4% | $50M | $1.02 | 13.1% | 17.4% |
| 1995 | $49M | +60.5% | $63M | $1.32 | 19.1% | 24.7% |
| 1994 | $31M | +6.3% | $43M | $0.55 | 15.4% | 21.9% |
| 1993 | $29M | +100.0% | $29M | $0.47 | 16.3% | 16.1% |
| 1992 | $14M | +42.6% | $18M | $0.13 | 8.3% | 10.5% |
| 1991 | $10M | +157.1% | $13M | $0.05 | 5.3% | 6.8% |
| 1990 | -$18M | - | -$18M | $-3.10 | -8.8% | -8.7% |
Download Data
Export FBP earnings history in CSV or JSON format
Free sign-in required to download data
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
36+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
FBP — Frequently Asked Questions
Quick answers to the most common questions about buying FBP stock.
What is FBP earnings per share (EPS)?
FBP trailing twelve-month (TTM) diluted EPS is $2.18, reflecting +18.8% year-over-year growth. The 5-year EPS CAGR is +36.1%. Complete EPS history from 1990 to 2025 is available in the table on this page.
What is First BanCorp.'s net income?
First BanCorp. (FBP) trailing twelve-month net income is $345M as of 2025. Earnings grew +18.8% year-over-year. First BanCorp. has been profitable for 12 consecutive years.
Is FBP profitable?
Yes, FBP is profitable with a TTM net income of $345M and a net profit margin of +27.4%. First BanCorp. has generated profits for 12 consecutive years.
What is FBP's earnings growth rate?
FBP compound annual EPS growth rates (CAGR): 1-Year: +18.8%, 3-Year: +10.6%, 5-Year: +36.1%, 10-Year: +35.9%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1990 to 2025.
What are FBP's profit margins?
First BanCorp. net profit margin is +27.4%, operating margin is +33.2%, and gross margin is +72.9%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +19.0%.
Is FBP growing earnings?
Yes, FBP earnings are accelerating — EPS growth of +18.8% exceeds the 5-year CAGR of +36.1%. TTM net income reached $345M. Earnings momentum is strengthening.
What was FBP's best earnings year?
First BanCorp.'s highest annual net income on record is $392M, achieved in fiscal year 2014. Earnings history on this page spans 1990 to 2025 and includes all annual and quarterly figures.
What were FBP's earnings last quarter?
FBP's most recent reported quarter was Q4 2025. Net income was $87M with diluted EPS of $0.55. For a full breakdown of all quarters, see the quarterly earnings table on this page.