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First BanCorp.

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
$3.61B
PER (TTM)
10.3
15.3
配当利回り
3.2%
52週高値
$23.43
52週安値
$16.40
52週レンジ
92%
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

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Net Interest Income Rises Q3 NII increased to $217.9M, driven by higher loan interest income and improved GAAP NIM to 4.57% compared to 4.25% prior year.
Credit Loss Provision Increases Provision expense rose to $17.6M for Q3 2025, mainly due to increased provisioning for commercial/construction loans amid economic outlook concerns.
Total Loans Surpass $13 Billion Total loans grew to $12.81B by September 30, 2025, led by commercial and construction lending in both PR and Florida regions.
Capital Strong; Tax Reversal Boosts Strong capital position maintained; Q3 results included a one-time $16.6M tax valuation allowance reversal benefiting net income.

リスク要因

Concentrated Credit Exposure Noted Credit quality review concentrated on private label MBS and Puerto Rico government debt securities due to potential economic impacts.
Rate Cuts Pressure Future NIM Future NIM stability expected, but recent FED rate cuts may reduce yields on variable-rate commercial loans and cash holdings.
Puerto Rico Fiscal Uncertainty Uncertainty remains regarding the implementation of Puerto Rico’s debt restructuring plan (PoA) affecting client portfolios.
Cybersecurity Incident Exposure Ability to identify and prevent cyber-security incidents, including ransomware and data breaches, remains a key operational risk factor.

見通し

Loan Growth Guidance Revised Down Full-year loan growth guidance revised down to 3%-4% outlook, primarily reflecting slower consumer loan production, especially in auto loans.
Stable NIM Expected Q4 Cash flows from securities redeployment expected to offset rate cut impacts, aiming for stable NIM through Q4 2025.
New $200M Buyback Approved Board approved a new $200M stock repurchase program through Q4 2026, signaling continued capital return efforts.
PR Fiscal Stability Reinforced PR economic outlook remains stable, supported by the first certified balanced budget under PROMESA taking effect in July 2025.

同業比較

売上高 (TTM)

Banco Macro S.A.BMA
$4.82B
-33.4%
Webster Financial CorporationWBS
$4.42B
+5.8%
Synovus Financial Corp.SNV
$3.33B
-0.6%

粗利益率 (最新四半期)

First Hawaiian, Inc.FHB
100.0%
+30.8pp
First Interstate BancSystem, Inc.FIBK
97.7%
+36.7pp
Synovus Financial Corp.SNV
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$11.78B11.710.7%5.1%
SNV$6.95B8.714.5%5.1%
BMA$6.10B31.06.6%7.3%

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
75%
キャッシュフローの変動が大きい

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:-
財務レポート
財務データ
全年度
  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月7日|
    売上高: $304.54M+1.0%
    |
    EPS: $0.63+40.0%
    予想を上回る
  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月7日|
    売上高: $302.07M+0.6%
    |
    EPS: $0.50+8.7%
    予想を上回る
  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月9日|
    売上高: $308.78M+3.2%
    |
    EPS: $0.47+6.8%
    予想を上回る
  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年2月28日|
    売上高: $1.19B+6.2%
    |
    EPS: $1.82+5.8%
    予想を上回る
  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月8日|
    売上高: $301.61M+2.2%
    |
    EPS: $0.45-4.3%
    予想を上回る
  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月9日|
    売上高: $300.19M+6.6%
    |
    EPS: $0.46+17.9%
    予想を上回る
  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月9日|
    売上高: $299.22M+9.9%
    |
    EPS: $0.44+12.8%
    予想を上回る
  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年2月28日|
    売上高: $1.12B+17.8%
    |
    EPS: $1.72+7.5%
    予想を下回る