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Friday 6 November 2026
Export FBP’s income statement to Excel — free account
First BanCorp.
First BanCorp.’s revenue for fiscal 2025 (year ended December 2025) was $1.3 billion, up 2.38% from fiscal 2024.
- Revenue
- +3.16%
- EPS
- +1.59%
- Free cash flow
- −5.21%
- Total debt
- −31.0%
Quarter to September 2026, against a year earlier
25.98
0.55
−2.07%
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First BanCorp. (FBP) Gross margin
First BanCorp.'s gross margin over the twelve months to 30 September 2026 was 81.1%, up 1.3 percentage points from fiscal 2025 (79.7%). Over the past ten years it has ranged from 76.5% (fiscal 2024) to 93.2% (fiscal 2022); the current reading is higher than 18% of that period. That is above the Banks Regional industry median of 69.8% and above the Financial sector median of 70.1%.
Gross margin, annual
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Annual newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| FY2025 | 79.7% | 3.21 |
| FY2024 | 76.5% | (3.89) |
| FY2023 | 80.4% | (12.75) |
| FY2022 | 93.2% | 0.24 |
| FY2021 | 92.9% | 4.45 |
| FY2020 | 88.5% | 2.68 |
| FY2019 | 85.8% | (0.12) |
| FY2018 | 85.9% | 0.80 |
| FY2017 | 85.1% | 0.15 |
| FY2016 | 85.0% | 0.01 |
Quarterly newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| Sep 2026 | 80.4% | (1.47) |
| Jun 2026 | 81.9% | 0.44 |
| Mar 2026 | 81.5% | 0.97 |
| Dec 2025 | 80.5% | 1.16 |
| 43 more quarters | Free account |
Against its own ten years
Low 76.5%
High 93.2%
Ten-year median
85.1%
Current reading's percentile
28
Gross margin against peers
| Company | Gross margin |
|---|---|
| GGAL Grupo Financiero Galicia S.A. compare | 84.4% |
| CVBF CVB Financial Corporation compare | 81.5% |
| IBOC International Bancshares Corporation compare | 81.2% |
| FBP First BanCorp. | 81.1% |
| WSFS WSFS Financial Corporation compare | 80.8% |
| INDB Independent Bank Corp. compare | 75.9% |
| BANF BancFirst Corporation compare | 75.8% |
| WSBC WesBanco, Inc. compare | 70.2% |
| BMA Macro Bank Inc. compare | 67.8% |
| Banks Regional industry median | 69.8% |
| Financial sector median | 70.1% |
| Market median | 45.1% |
What Gross margin is
Gross Margin tells an investor how much of each sale a company keeps after paying the direct costs of making or buying what it sells.
Gross Profit ÷ Revenue
More on FBP
- Revenue
- Net income
- EPS (diluted)
- Free cash flow
- Operating cash flow
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement