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 9.4x, down 6.7% year-over-year. EV/EBITDA has expanded 14.5% YoY to 7.0x, reflecting rising market expectations or slowing EBITDA growth.
| 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 → | 11.97 | 9.42 | 8.75 | 10.41 | 10.20 | 10.10 | 11.76 | 9.94 | 9.97 | 8.94 | 7.32 | 7.83 | 7.32 |
| — | -6.7% | -25.6% | +4.8% | +2.3% | +13.0% | +60.8% | +26.9% | +36.1% | +12.5% | -14.4% | -7.8% | -8.5% | |
| P/S Ratio | 3.19 | 2.56 | 2.89 | 2.78 | 2.57 | 2.64 | 2.90 | 2.52 | 2.46 | 2.57 | 2.02 | 1.95 | 1.90 |
| — | -2.9% | -0.6% | +10.4% | +4.5% | +2.7% | +44.0% | +29.6% | +29.4% | +6.1% | -22.4% | -26.4% | -35.0% | |
| P/B Ratio | 2.10 | 1.67 | 1.83 | 1.82 | 1.78 | 1.84 | 2.06 | 2.03 | 1.99 | 1.88 | 1.83 | 1.57 | 1.47 |
| — | -9.5% | -11.0% | -10.2% | -10.3% | -2.0% | +12.7% | +29.5% | +35.1% | +6.1% | -10.2% | -3.2% | +0.2% | |
| P/FCF | 9.23 | 7.77 | 6.53 | 9.06 | 7.43 | 8.08 | 7.59 | 10.90 | 6.45 | 9.20 | 5.24 | 15.00 | 4.55 |
| — | -3.9% | -14.0% | -16.9% | +15.3% | -12.2% | +44.7% | -27.3% | +41.7% | +57.7% | -9.2% | +137.1% | -24.9% | |
| EV / EBITDA | 8.92 | 6.97 | 6.53 | 6.80 | 5.13 | 6.09 | 8.37 | 7.20 | 7.03 | 7.66 | 5.30 | 4.35 | 5.76 |
| — | +14.5% | -22.0% | -5.6% | -27.0% | -20.6% | +58.0% | +65.4% | +22.1% | +24.7% | +0.7% | +10.0% | +104.5% | |
| EV / EBIT | 8.92 | 6.97 | 6.85 | 7.16 | 5.43 | 6.46 | 8.90 | 7.66 | 7.50 | 8.34 | 5.64 | 4.66 | 6.16 |
| — | +7.9% | -23.1% | -6.5% | -27.7% | -22.6% | +57.8% | +64.6% | +21.8% | +26.6% | -0.0% | +9.9% | +105.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
First BanCorp.'s operating margin was 33.5% in Q4 2025, down 1.4 pp QoQ and up 0.6 pp YoY. Gross margin expanded 7.0% 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 | 72.9% | 73.4% | 73.0% | 72.5% | 71.0% | 68.6% | 70.8% | 72.0% | 71.5% | 68.1% | 74.9% | 73.8% | 78.8% |
| — | +7.0% | +3.0% | +0.8% | -0.7% | +0.7% | -5.4% | -2.4% | -9.2% | -17.3% | -14.3% | -17.3% | -22.9% | |
| Operating Margin | 33.2% | 33.5% | 34.9% | 34.1% | 32.5% | 32.9% | 32.0% | 33.8% | 32.6% | 30.9% | 36.9% | 35.8% | 37.7% |
| — | +1.8% | +9.1% | +0.9% | -0.2% | +6.5% | -13.4% | -5.8% | -13.6% | -29.5% | -14.2% | -21.4% | -32.8% | |
| Net Margin | 27.4% | 27.2% | 33.0% | 26.5% | 25.0% | 25.9% | 24.4% | 25.3% | 24.5% | 29.0% | 27.8% | 25.1% | 26.0% |
| — | +4.8% | +35.0% | +5.1% | +1.7% | -10.4% | -12.0% | +0.7% | -5.5% | -3.9% | -7.8% | -19.8% | -29.6% |
| 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 | 19.0% | 4.5% | 5.3% | 4.4% | 4.5% | 4.5% | 4.6% | 5.1% | 4.9% | 5.7% | 6.1% | 5.0% | 5.2% |
| — | -0.2% | +15.7% | -13.3% | -9.4% | -20.9% | -23.9% | +1.3% | -4.7% | +0.5% | +14.9% | +12.7% | +21.7% | |
| ROA | 1.8% | 0.5% | 0.5% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% |
| — | +14.2% | +34.7% | +5.1% | +3.2% | -6.4% | -10.1% | +8.4% | +3.4% | +7.4% | +10.6% | -2.1% | -7.4% | |
| ROIC | 13.7% | 3.5% | 3.6% | 3.6% | 3.5% | 3.2% | 3.2% | 3.5% | 3.4% | 3.1% | 4.0% | 3.1% | 3.1% |
| — | +11.9% | +12.5% | +1.9% | +2.0% | +2.7% | -18.8% | +12.7% | +9.2% | -24.5% | -5.5% | -13.3% | -14.9% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
First BanCorp.'s Debt/EBITDA ratio is 3.4x, up from 2.6x last quarter — at a moderate level that warrants monitoring. The current ratio has improved 1894.6% YoY to 6.85x, strengthening the short-term liquidity position.
| 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 | 0.19 | 0.19 | 0.15 | 0.17 | 0.19 | 0.34 | 0.36 | 0.44 | 0.45 | 0.44 | 0.51 | 0.53 | 0.91 |
| — | -44.9% | -58.0% | -60.9% | -58.4% | -23.8% | -29.2% | -15.7% | -51.0% | -37.3% | +67.4% | +40.4% | +178.2% | |
| Debt / EBITDA | 0.87 | 3.39 | 2.60 | 2.95 | 3.12 | 5.51 | 5.97 | 6.14 | 6.37 | 7.20 | 5.70 | 6.82 | 11.68 |
| — | -38.4% | -56.4% | -51.9% | -50.9% | -23.4% | +4.7% | -10.0% | -45.5% | -12.0% | +69.9% | +36.0% | +167.6% | |
| Current Ratio | 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 |
| — | +1894.6% | -11.8% | -63.3% | -58.7% | -4.7% | -2.7% | -11.1% | -6.9% | +0.6% | -2.0% | -7.6% | -17.0% | |
| Quick Ratio | 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 |
| — | +1894.6% | -11.8% | -63.3% | -58.7% | -4.7% | -2.7% | -11.1% | -6.9% | +0.6% | -2.0% | -7.6% | -17.0% | |
| Interest Coverage | 1.64 | 1.72 | 1.64 | 1.65 | 1.55 | 1.36 | 1.33 | 1.40 | 1.35 | 1.23 | 1.71 | 1.93 | 2.47 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 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 12.0x. The average P/E over the last 4 quarters is 9.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
First BanCorp.'s current operating margin is 33.2%. 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.