First BanCorp. (FBP) Earnings History
Annual and quarterly earnings data from 1990 to 2025
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FBP EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
FBP Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 72.9% | 33.2% | 27.4% |
| 2024 | 70.7% | 32.8% | 25.0% |
| 2023 | 73.9% | 35.4% | 27.0% |
| 2022 | 90.0% | 46.9% | 32.0% |
| 2021 | 100.1% | 48.5% | 31.9% |
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First BanCorp. (FBP) Earnings Overview
As of May 7, 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% |
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Start ComparisonFBP — Frequently Asked Questions
Quick answers to the most common questions about buying FBP stock.
Is FBP growing earnings?
FBP EPS is $2.18, with earnings growth accelerating to +18.8%. This exceeds the 5-year CAGR of +36.1%. TTM net income reached $345M.
What are FBP's profit margins?
First BanCorp. net margin is +27.4%, with operating margin at +33.2%. Above-average margins indicate pricing power.
How consistent are FBP's earnings?
FBP earnings data spans 1990-2025. The accelerating earnings trend is +18.8% YoY. Historical data enables comparison across business cycles.