Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.73 | 10.45 | 10.51 | 9.37 | 9.42 | 8.75 | 10.41 | 10.20 | 10.10 | 11.76 | 9.94 | 9.97 | 8.94 | 7.32 | 7.83 | 7.32 | 7.95 | 8.55 | 8.49 | 8.00 | 9.84 |
| — | +19.5% | +0.9% | -8.1% | -6.7% | -25.6% | +4.8% | +2.3% | +13.0% | +60.8% | +26.9% | +36.1% | +12.5% | -14.4% | -7.8% | -8.5% | -19.2% | -6.4% | -5.9% | -20.4% | -1.8% | |
| P/S Ratio | 3.80 | 3.84 | 3.78 | 3.21 | 3.18 | 3.67 | 3.51 | 3.25 | 3.48 | 3.83 | 3.33 | 3.24 | 3.43 | 2.57 | 2.39 | 2.24 | 2.73 | 2.77 | 2.79 | 3.09 | 3.44 |
| — | +4.5% | +7.8% | -1.2% | -8.5% | -4.1% | +5.5% | +0.4% | +1.5% | +48.8% | +39.2% | +44.4% | +25.3% | -7.0% | -14.3% | -27.5% | -20.6% | -13.5% | -10.1% | +1.2% | +34.3% | |
| P/B Ratio | 2.12 | 2.13 | 2.03 | 1.69 | 1.67 | 1.83 | 1.82 | 1.78 | 1.84 | 2.06 | 2.03 | 1.99 | 1.88 | 1.83 | 1.57 | 1.47 | 1.77 | 2.04 | 1.62 | 1.47 | 1.34 |
| — | +16.3% | +11.5% | -5.0% | -9.5% | -11.0% | -10.2% | -10.3% | -2.0% | +12.7% | +29.5% | +35.1% | +6.1% | -10.2% | -3.2% | +0.2% | +32.2% | +63.8% | +39.5% | +32.8% | +51.9% | |
| P/FCF | 13.07 | — | 11.37 | 7.60 | 7.77 | 6.53 | 9.06 | 7.43 | 8.08 | 7.59 | 10.90 | 6.45 | 9.20 | 5.24 | 15.00 | 4.55 | 5.84 | 5.77 | 6.32 | 6.06 | 7.53 |
| — | — | +25.5% | +2.3% | -3.9% | -14.0% | -16.9% | +15.3% | -12.2% | +44.7% | -27.3% | +41.7% | +57.7% | -9.2% | +137.1% | -24.9% | -22.5% | -35.5% | +5.9% | +7.8% | +83.4% | |
| EV / EBITDA | 7.90 | 8.17 | 7.61 | 6.49 | 6.69 | 6.53 | 6.80 | 5.13 | 6.09 | 8.37 | 7.20 | 7.03 | 7.66 | 5.30 | 4.35 | 5.76 | 6.15 | 5.26 | 3.96 | 2.82 | 1.94 |
| — | +25.1% | +11.9% | +26.3% | +10.0% | -22.0% | -5.6% | -27.0% | -20.6% | +58.0% | +65.4% | +22.1% | +24.7% | +0.7% | +10.0% | +104.5% | +216.4% | +190.0% | +230.0% | -40.3% | -61.3% | |
| EV / EBIT | 8.82 | 8.17 | 7.61 | 6.73 | 6.97 | 6.85 | 7.16 | 5.43 | 6.46 | 8.90 | 7.66 | 7.50 | 8.34 | 5.64 | 4.66 | 6.16 | 6.59 | 5.64 | 4.24 | 3.00 | 2.09 |
| — | +19.2% | +6.2% | +24.0% | +7.9% | -23.1% | -6.5% | -27.7% | -22.6% | +57.8% | +64.6% | +21.8% | +26.6% | -0.0% | +9.9% | +105.3% | +215.0% | +189.0% | +225.9% | -42.7% | -63.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 91.4% | 94.4% | 93.5% | 93.3% | 91.1% | 92.7% | 91.4% | 89.9% | 90.4% | 93.3% | 94.9% | 94.2% | 90.8% | 95.5% | 90.6% | 93.0% | 93.0% | 92.9% | 94.0% | 108.1% | 106.3% |
| — | +1.8% | +2.3% | +3.9% | +0.8% | -0.6% | -3.8% | -4.6% | -0.5% | -2.3% | +4.8% | +1.3% | -2.4% | +2.7% | -3.6% | -14.0% | -12.5% | -11.1% | -17.2% | +0.5% | +10.6% | |
| Operating Margin | 41.6% | 44.2% | 45.2% | 44.0% | 41.6% | 44.3% | 42.9% | 41.1% | 43.4% | 42.1% | 44.5% | 42.9% | 41.3% | 47.1% | 44.0% | 44.5% | 49.5% | 45.8% | 48.1% | 59.3% | 56.3% |
| — | -0.3% | +5.4% | +7.1% | -4.1% | +5.3% | -3.7% | -4.2% | +5.2% | -10.6% | +1.1% | -3.6% | -16.7% | +2.8% | -8.4% | -25.0% | -11.9% | -13.2% | -10.4% | +33.8% | +68.4% | |
| Net Margin | 34.4% | 36.8% | 36.2% | 34.2% | 33.8% | 41.9% | 33.4% | 31.6% | 34.2% | 32.2% | 33.3% | 32.3% | 38.6% | 35.4% | 30.8% | 30.6% | 34.0% | 32.0% | 33.0% | 39.0% | 35.9% |
| — | -12.1% | +8.2% | +8.3% | -1.3% | +30.3% | +0.4% | -2.4% | -11.5% | -9.1% | +8.1% | +5.5% | +13.5% | +10.6% | -6.6% | -21.5% | -5.3% | -9.5% | -3.5% | +28.3% | +40.6% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 19.0% | 5.0% | 4.9% | 4.5% | 4.5% | 5.3% | 4.4% | 4.5% | 4.5% | 4.6% | 5.1% | 4.9% | 5.7% | 6.1% | 5.0% | 5.2% | 5.6% | 5.3% | 4.5% | 4.3% | 3.4% |
| — | -6.6% | +10.2% | +1.0% | -0.2% | +15.7% | -13.3% | -9.4% | -20.9% | -23.9% | +1.3% | -4.7% | +0.5% | +14.9% | +12.7% | +21.7% | +64.9% | +53.7% | +40.3% | +56.4% | +53.7% | |
| ROA | 1.8% | 0.5% | 0.5% | 0.5% | 0.5% | 0.5% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% |
| — | -5.1% | +18.9% | +15.8% | +14.2% | +34.7% | +5.1% | +3.2% | -6.4% | -10.1% | +8.4% | +3.4% | +7.4% | +10.6% | -2.1% | -7.4% | +12.7% | +10.6% | +9.4% | +26.8% | +30.9% | |
| ROIC | 13.7% | 4.0% | 4.1% | 3.7% | 3.5% | 3.6% | 3.6% | 3.5% | 3.2% | 3.2% | 3.5% | 3.4% | 3.1% | 4.0% | 3.1% | 3.1% | 4.1% | 4.2% | 3.6% | 3.7% | 3.0% |
| — | +11.0% | +12.7% | +7.8% | +11.9% | +12.5% | +1.9% | +2.0% | +2.7% | -18.8% | +12.7% | +9.2% | -24.5% | -5.5% | -13.3% | -14.9% | +36.9% | +50.0% | +34.2% | +73.5% | +94.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.19 | 0.12 | 0.10 | 0.15 | 0.19 | 0.15 | 0.17 | 0.19 | 0.34 | 0.36 | 0.44 | 0.45 | 0.44 | 0.51 | 0.53 | 0.91 | 0.70 | 0.30 | 0.37 | 0.33 | 0.33 |
| — | -21.1% | -41.7% | -20.8% | -44.9% | -58.0% | -60.9% | -58.4% | -23.8% | -29.2% | -15.7% | -51.0% | -37.3% | +67.4% | +40.4% | +178.2% | +116.6% | -17.1% | +2.8% | -21.2% | -19.9% | |
| Debt / EBITDA | 0.83 | 1.94 | 1.66 | 2.45 | 3.26 | 2.60 | 2.95 | 3.12 | 5.51 | 5.97 | 6.14 | 6.37 | 7.20 | 5.70 | 6.82 | 11.68 | 8.18 | 3.36 | 5.01 | 4.36 | 5.51 |
| — | -25.4% | -43.6% | -21.7% | -40.8% | -56.4% | -51.9% | -50.9% | -23.4% | +4.7% | -10.0% | -45.5% | -12.0% | +69.9% | +36.0% | +167.6% | +48.4% | -49.3% | -25.2% | -53.3% | -55.3% | |
| Current Ratio | 6.85 | 22.55 | — | 6.85 | 6.85 | 0.30 | 0.12 | 0.14 | 0.34 | 0.34 | 0.34 | 0.35 | 0.36 | 0.35 | 0.38 | 0.37 | 0.36 | 0.36 | 0.41 | 0.45 | 0.48 |
| — | +7396.0% | — | +4678.9% | +1894.6% | -11.8% | -63.3% | -58.7% | -4.7% | -2.7% | -11.1% | -6.9% | +0.6% | -2.0% | -7.6% | -17.0% | -24.9% | -26.9% | -14.3% | +11.9% | +29.3% | |
| Quick Ratio | 6.85 | 22.55 | — | 6.85 | 6.85 | 0.30 | 0.12 | 0.14 | 0.34 | 0.34 | 0.34 | 0.35 | 0.36 | 0.35 | 0.38 | 0.37 | 0.36 | 0.36 | 0.41 | 0.45 | 0.48 |
| — | +7396.0% | — | +4678.9% | +1894.6% | -11.8% | -63.3% | -58.7% | -4.7% | -2.7% | -11.1% | -6.9% | +0.6% | -2.0% | -7.6% | -17.0% | -24.9% | -26.9% | -14.3% | +11.9% | +29.3% | |
| Interest Coverage | 1.64 | 1.82 | 2.05 | 1.94 | 1.72 | 1.64 | 1.65 | 1.55 | 1.36 | 1.33 | 1.40 | 1.35 | 1.23 | 1.71 | 1.93 | 2.47 | 3.82 | 7.22 | 8.75 | 10.27 | 8.06 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying FBP stock.
First BanCorp.'s current P/E is 10.7x. The average P/E over the last 4 quarters is 9.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
First BanCorp.'s current operating margin is 41.6%. Margins have been expanding 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.