Quarter
Charts

FIRST BANCORP.

FBP

CIK 0001057706 · Quarterly mode · latest period FY2025 (Q4) (ending 2025-12-31) · sourced from SEC EDGAR

At a glance · FY2025 (Q4)

Revenue
$257M
↑+6.5% +$16Mvs FY2024 (Q4)
Operating Income
$251M
↑+7.3% +$17Mvs FY2024 (Q4)
Net Income
$87M
↑+15.1% +$11Mvs FY2024 (Q4)
Gross Profit
$257M
↑+6.5% +$16Mvs FY2024 (Q4)

Quality Score

Quality score

6-dimension fundamental snapshot · latest annual filed values · S&P 500 calibration

Poor
22/100
  • Profitability
    0Insufficient data
  • Liquidity
    0Insufficient data
  • Leverage
    93D/E 0.15 (under 0.5 = conservative)
  • Efficiency
    0Asset Turnover 0.07x (1.0+ = capital-efficient)
  • Growth
    38Revenue YoY +6.5% (10% = solid, 25%+ = elite)
  • Margin Trend
    0Insufficient data

Calibrated to S&P 500 medians. Each sub-score is computed from a single CFA-grade ratio (Profitability = ROIC, Liquidity = Current Ratio, Leverage = D/E, Efficiency = Asset Turnover, Growth = Revenue YoY, Margin Trend = 4Q operating-margin avg vs prior 4Q). Overall = simple mean.

DCF intrinsic value

DCF intrinsic value

two-stage Gordon model

Project FBP's free cash flow forward, discount back at your hurdle rate, divide by diluted shares. Edit the assumptions to see how sensitive the intrinsic value is.

3%

Trailing 3-yr CAGR was 1.4%

10%

10% is a common all-equity benchmark for US large-caps

2.5%

Should be ≤ long-run GDP growth (~2.5% nominal)

5

5-year explicit projection + perpetuity terminal

Intrinsic value per share
$38.00
Total enterprise IV
$6.11B
Diluted shares
0.16B
Terminal PV
$4.30B (70% of total)
Year-5 FCF
$507M
YearProjected FCFDiscounted PV
+1$451M$410M
+2$464M$384M
+3$478M$359M
+4$492M$336M
+5$507M$315M
Terminal$6.93B$4.30B

DCF outputs are HIGHLY sensitive to growth + WACC assumptions. A 1pp WACC change can shift IV by 20%+. Use this as a sanity-check vs market price, not a target — and always cross-check the underlying FCF source (EDGAR cashflow statement, latest annual). Margin of safety convention: 30-50% discount to IV before buying.

Capital allocation · trailing 4 quarters

how the company spent its cash
Capex (TTM)
$11M
investment in PP&E
Dividends paid (TTM)
$116M
cash returned to holders
Stock buybacks (TTM)
$154M
share count reduction
Stock-based comp (TTM)
$10M
non-cash dilution

Balance sheet · 2025-12-31

latest filed snapshot
Total assets
$19.13B
everything owned
Total liabilities
$17.17B
everything owed
Stockholders' equity
$1.97B
shareholder claim
Net debt
$-1.41B
Net cash position ($1.41B)

Recent performance · 63 quarters

Revenue↑+6.5% +$16M
$257M
Net Income↑+15.1% +$11M
$87M
Free Cash Flow↑+8.4% +$8M
$103M

Drill down

FBP Sankey

See FIRST BANCORP.'s revenue flow into every line item of the income statement and balance sheet — every dollar accounted for, with prior-period comparison.

Open Sankey

FBP Charts

63 quarters of historical line items — Income, Cash Flow, Balance Sheet, plus margins. Click any chart for the trend dialog.

Open Charts

FBP Key Metrics

EPS, BVPS, FCF/Share, ROE, ROA, ROIC, D/E, Current Ratio, Quick Ratio, Asset Turnover — 10 CFA-grade fundamentals derived from EDGAR data.

Open Key Metrics