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First BanCorp FBP Consumer Retail Banking — Credit And Debit Processing Fees

Other segment segments

Virgin Islands Operations
$872K+27.3%
Commercial And Corporate
$14K-93.5%
United States Operations
$3K0.0%
Mortgage Banking
$0
Treasury And Investments
$0

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Other financials

Income statement

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Revenue$264.9M+7.3%
Net income$96.2M+19.9%
EPS (diluted)$0.62+24.0%

Balance sheet

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Cash & equivalents$561.3M-23.8%
Total debt$200.0M-37.5%
Total equity$2.0B+7.1%
Total assets$19.2B+1.8%

Cash flow

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Operating cash flow$92.2M-3.4%
CapEx$5.0M+93.1%
Free cash flow$87.2M-6.1%

Valuation

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Market cap$4.44B+34.9%
Enterprise value$4.08B+41.9%
P/E11.9×+1.2×
P/S4.3×+0.9×

Profitability

See full
Net margin36.2%+4.6pp
FCF margin42.8%+0.6pp

Returns & leverage

See full
Return on equity19.5%+1.1pp
Debt / equity0.1×-0.1×

Where this comes from

Reported directly by First BanCorp in its filing.

Tagged under the XBRL concept fbp:CreditAndDebitProcessingFees.

The source filing: First BanCorp’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 12:39 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001057706-26-000023

7,625

Item 6.

FAQ

What is First BanCorp's consumer retail banking — credit and debit processing fees?
First BanCorp (FBP) reported consumer retail banking — credit and debit processing fees of $7.63M in Q2 2026.
How has First BanCorp's consumer retail banking — credit and debit processing fees changed year-over-year?
First BanCorp's consumer retail banking — credit and debit processing fees increased by 11.4% year-over-year, from $6.85M to $7.63M.
What is the long-term trend for First BanCorp's consumer retail banking — credit and debit processing fees?
Over 3 years (2022 to 2025), First BanCorp's consumer retail banking — credit and debit processing fees has grown at a 8.2% compound annual growth rate (CAGR), from $19.45M to $24.63M.
What does consumer retail banking — credit and debit processing fees mean?
Captures the operational costs associated with processing electronic payments, card transactions, and merchant services for retail banking customers. This metric tracks the variable costs tied to the volume of transactional activity within the retail segment.

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