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First BanCorp.

NYSE•FBP
CEO: Mr. Aurelio Aleman-Bermudez
セクター: Financial Services
業種: Banks - Regional
上場日: 1987-01-13
First BanCorp. operates as a bank holding company for FirstBank Puerto Rico that provides a range of financial products and services to consumers and commercial customers. The company operates through six segments: Commercial and Corporate Banking, Mortgage Banking, Consumer (Retail) Banking, Treasury and Investments, United States Operations, and Virgin Islands Operations. The Commercial and Corporate Banking segment offers commercial loans, including commercial real estate and construction loans, as well as other products, such as cash management and business management services. The Mortgage Banking segment engages in the origination, sale, and servicing of various residential mortgage loans; hedging activities; and purchase of mortgage loans from branch and mortgage bankers. The Consumer (Retail) Banking segment provides auto loans, finance leases, boat and personal loans, credit card loans, and lines of credit; and interest-bearing and non-interest-bearing checking and savings accounts, and individual retirement accounts and retail certificates of deposit (CDs), as well as insurance agency services. The Treasury and Investments segment offers funding and liquidity management services. The United States Operations segment provides checking, savings, and money market accounts, as well as retail CDs; traditional commercial and industrial, and commercial real estate loans, residential mortgages, term and construction loan, home equity loans, lines of credit, FHLB advances, and brokered CDs; and internet banking, cash management, remote deposit capture, and automated clearing house transactions services. The Virgin Islands Operations segment is involved in consumer, commercial lending, and deposit-taking activities. First BanCorp. was founded in 1948 and is headquartered in San Juan, Puerto Rico.
連絡先情報
1519 Ponce de Leon Avenue, Stop 23, San Juan, PR, 00908-0146, United States
787-729-8200
www.1firstbank.com
時価総額
$3.31B
PER (TTM)
9.5
14.5
配当利回り
3.5%
52週高値
$23.43
52週安値
$16.40
52週レンジ
65%
順位39Top 39.1%
4.2
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4.2 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$320.40M+9.82%
直近4四半期の推移

EPS

$0.56+21.74%
直近4四半期の推移

フリーCF

$105.61M+0.00%
直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

Net Income Rises Significantly GAAP Net Income reached $344.9M in 2025, up from $298.7M in 2024; Efficiency Ratio improved to 49.77%.
Net Interest Margin Expansion Tax-equivalent NII grew to $900.5M, driven by lower funding costs and redeployment into higher-yielding assets.
Loan Portfolio Growth Total loans held for investment increased by $380.2M to $13.1B, led by commercial and construction loan growth.
Strong Capital Ratios Maintained CET1 ratio for the Corporation stood at 16.76% (up from 16.32%), well exceeding regulatory minimums.

リスク要因

Interest Rate Environment Risk Changes in interest rates impact NIM, loan demand, and funding costs; basis risk may compress net interest income.
Commercial Credit Quality Pressure Provision for C&I and construction loans increased due to loan growth and deterioration in commercial real estate outlook.
Puerto Rico Economic Uncertainty Prolonged fiscal challenges in Puerto Rico, including debt restructuring uncertainty, could adversely affect asset quality.
Cybersecurity and Technology Threats High dependency on technology infrastructure exposes the firm to material risks from cyber-attacks and system failures.

見通し

NIM Expansion Expected Expect quarterly NIM expansion of 2 to 3 bps into 2026, assuming two additional FED rate cuts in H2 2026.
Stable Asset Quality Forecast Asset quality is expected to remain stable as consumer credit trends continue normalizing into the next fiscal year.
Focus on Organic Loan Growth Strategy focuses on delivering organic loan growth, primarily within commercial and residential mortgage loan portfolios.
Capital Deployment Actions Expect to return close to 100% of annual earnings to shareholders through capital deployment actions in 2026.

同業比較

売上高 (TTM)

BMA stock ticker logoBMA
$4.81T
-32.3%
WBS stock ticker logoWBS
$4.42B
+5.8%
SNV stock ticker logoSNV
$3.33B
-0.6%

粗利益率 (最新四半期)

BMA stock ticker logoBMA
100.0%
-18.7pp
FIBK stock ticker logoFIBK
97.7%
+36.7pp
SNV stock ticker logoSNV
96.5%
+38.9pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
WBS$11.14B11.010.7%5.1%
SNV$6.95B8.714.5%5.1%
BMA$4.73B23.36.6%6.4%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
1.2%
緩やかな成長
4四半期純利益CAGR
4.2%
収益性の緩やかな改善
キャッシュフロー安定性
100%
優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月21日
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EPS:-
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売上高:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書
直近12ヶ月
データなし