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First BanCorp FBP Consumer Retail Banking — Card And Processing Income

Other segment segments

Virgin Islands Operations
$1.4M-12.2%
Commercial And Corporate
$231K-42.8%
United States Operations
$14K-36.4%
Mortgage Banking
$0—
Treasury And Investments
$0—

Similar metrics at other companies

Eastern Bankshares, Inc. logo
EBCCard income
$5.8M+47.9%
JPMorgan Chase logo
JPMInterchangeand Merchant Processing — Card income
$9.12B+8.5%
Wells Fargo & Company logo
WFCConsumer Banking and Lending — Card fees
$1.06B+8.8%
NBT
NBTBCard Services Income
$6.03M+13.4%
First Financial Bancorp logo
FFBCBankcard income
$3.58M+8.2%
NBT
NBTBBanking — Card Services Income
$6.03M+13.4%

Other financials

Income statement

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Revenue$258.6M+4.2%
Net income$88.8M+15.2%
EPS (diluted)$0.57+21.3%

Balance sheet

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Cash & equivalents$550.9M-58.5%
Total debt$380.0M+14.8%
Total equity$2.0B+10.6%
Total assets$19.1B-0.1%

Cash flow

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Operating cash flow$121.1M+11.9%
CapEx$5.2M+248%
Free cash flow$115.9M+8.6%

Valuation

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Market cap$4.06B+5.9%

Profitability

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Net margin35.3%+3.6pp
FCF margin44.2%+3.7pp

Returns & leverage

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Return on equity19%+0.5pp
Debt / equity0.2×0.0×

Where this comes from

Reported directly by First BanCorp in its filing.

Tagged under the XBRL concept fbp:CardAndProcessingIncome.

The official record: First BanCorp’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is First BanCorp's consumer retail banking — card and processing income?
First BanCorp (FBP) reported consumer retail banking — card and processing income of $10.11M in Q1 2026.
How has First BanCorp's consumer retail banking — card and processing income changed year-over-year?
First BanCorp's consumer retail banking — card and processing income increased by 7.0% year-over-year, from $9.45M to $10.11M.
What is the long-term trend for First BanCorp's consumer retail banking — card and processing income?
Over 3 years (2022 to 2025), First BanCorp's consumer retail banking — card and processing income has grown at a 5.4% compound annual growth rate (CAGR), from $35.04M to $41.02M.
What does consumer retail banking — card and processing income mean?
This represents revenue earned from credit and debit card interchange fees, processing services, and related transaction-based activities. It is a critical component of non-interest income that scales with consumer spending and card usage volume.