First BanCorp. (FBP) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), First BanCorp. had a P/E ratio of 9.43 (down from 10.13), return on equity of 19.0% (up from 18.9%), debt-to-equity of 0.18 (down from 0.38) and return on assets of 1.8% (up from 1.6%). Its dividend yield was 3.44% with a payout ratio of 33.5%.

First BanCorp. Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	9.43	10.13	9.32	7.66	10.16	20.08
Forward P/E	10.11	10.72	11.02	7.89	10.39	10.38
P/S Ratio	3.56	3.45	3.27	2.62	3.08	3.73
P/B Ratio	1.65	1.81	1.89	1.76	1.34	0.88
Price/Tangible Book	1.69	1.86	1.95	1.85	1.39	0.93
Price/FCF	7.43	7.68	8.30	5.56	7.29	7.10
Price/OCF	7.25	7.49	7.78	5.30	7.05	6.72
PEG Ratio	1.20	1.40	5.41	0.81	0.45	0.85
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	18.97%	18.87%	21.46%	17.80%	12.84%	4.54%
Return on Assets (ROA)	1.80%	1.56%	1.61%	1.55%	1.42%	0.65%
Leverage & Solvency Ratios
Debt/Equity	0.18	0.38	0.49	0.77	0.37	0.45
Debt/FCF	0.83	1.59	2.15	2.42	2.02	3.67
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	10.60%	9.87%	10.73%	13.06%	9.98%	5.11%
FCF Yield	13.45%	13.02%	12.05%	17.98%	13.72%	14.08%
Dividend Yield	3.44%	3.44%	3.34%	3.58%	2.21%	2.56%
Payout Ratio	33.50%	35.34%	32.91%	28.79%	24.01%	45.07%
Buyback Yield	2.74%	6.72%	7.70%	9.15%	2.93%	-0.25%
Total Return	6.18%	10.17%	11.04%	12.73%	5.13%	2.32%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About First BanCorp. Financial Ratios

What is First BanCorp.'s P/E ratio?

First BanCorp.'s P/E ratio was 9.43 for fiscal 2025 (period ended Dec 31, 2025). It was 10.13 a year earlier.

What is First BanCorp.'s return on equity?

First BanCorp.'s return on equity (ROE) was 19.0% for fiscal 2025 (period ended Dec 31, 2025). It was 18.9% a year earlier.

What is First BanCorp.'s debt-to-equity ratio?

First BanCorp.'s debt-to-equity ratio was 0.18 for fiscal 2025 (period ended Dec 31, 2025). It was 0.38 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition