First BanCorp（FBP）の財務FBPFirst BanCorp

First BanCorp (FBP) generates its revenue through a diversified portfolio of business segments. Currently, the largest contributor to its top-line growth is Consumer (Retail) Banking, accounting for 40.7% of total sales, equivalent to $89.42M. Other significant revenue streams include Mortgage Banking and Commercial and Corporate Banking. Understanding this composition is critical for investors evaluating how FBP navigates market cycles within the Banks industry.

Evaluating the bottom line, First BanCorp maintains a gross margin of N/A. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 46.90%, while the net margin is 39.37%. These profitability ratios, combined with a Return on Equity (ROE) of 19.41%, provide a clear picture of how effectively FBP converts its operational activities into shareholder value.

In the context of the broader market, FBP competes directly with industry leaders such as IBOC and UCB. With a market capitalization of $4.08B, it holds a significant position in the sector. When comparing efficiency, FBP's gross margin of N/A stands against IBOC's N/A and UCB's N/A. Such benchmarking helps identify whether First BanCorp is trading at a premium or discount relative to its financial performance.

First BanCorp has shown consistent revenue growth, with Q2 2026 revenue at $249.9 million and a net margin of 38.48%. The company has also executed $50 million in share buybacks and paid dividends, reflecting strong financial health and commitment to shareholders.