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First BanCorp FBP Q4 2024 Annual earnings

Reported January 23, 2025 · Before market open

Revenue$221.3MMiss by $20.0M
EPS$0.46Beat by $0.05
Revenue estimate$241.3M
EPS estimate$0.41

Next report

Oct 22, 2026 (in 2 months)
Revenue estimate$274.0M
EPS estimate$0.58

Financials

Q4 2024

Income statement

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Revenue$241.5M+4.9%
Net income$75.7M-4.8%
EPS (diluted)$0.460.0%

Balance sheet

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Cash & equivalents$1.2B+74.8%
Total debt$627.5M-14.4%
Total equity$1.7B+11.5%
Total assets$19.3B+2.0%

Cash flow

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Operating cash flow$96.8M+22.2%
CapEx$1.6M-39.1%
Free cash flow$95.2M+24.3%

Valuation & ratios

Valuation

as of 12/31/24
See full
Market cap$3.05B+7.3%
Enterprise value$2.51B-13.5%
P/E10.2×+0.8×
P/S3.2×+0.2×

Profitability

See full
Net margin31.8%-0.7pp
FCF margin42%+5.4pp

Returns & leverage

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Return on equity18.9%-2.6pp
Debt / equity0.4×-0.1×

Segments

By segment

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Consumer Retail Banking$165.3M+89.8%
Commercial And Corporate$43.4M-54.6%
United States Operations$22.5M+55.9%
Mortgage Banking$21.1M+28.6%
Virgin Islands Operations$18.4M-55.2%

By geography

See full
PR$259.2M+5.8%
US$37.6M+7.8%
VI$9.7M+6.6%

FAQ

When did First BanCorp report Q4 2024 earnings?
First BanCorp (FBP) reported Q4 2024 earnings on January 23, 2025 before market open.
What were First BanCorp's Q4 2024 revenue and EPS?
First BanCorp reported revenue of $221.3M and eps of $0.46 for Q4 2024.
Did First BanCorp beat estimates in Q4 2024?
Revenue missed the consensus estimate of $241.3M by $20.0M. EPS beat the consensus estimate of $0.41 by $0.05.
Where can I find First BanCorp's Q4 2024 SEC filings?
You can read the 8-K earnings release (0001140361-25-001676) and the 10-K periodic report (0001057706-25-000002) directly on SEC EDGAR. The filing index links above go to sec.gov.