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First BanCorp FBP Consumer Retail Banking — Interest Expense Operating

Other segment segments

United States Operations
$15.04M-1.2%
Commercial And Corporate
$3.77M+4.6%
Treasury And Investments
$1.61M-47.9%
Virgin Islands Operations
$1.36M-29.5%
Mortgage Banking
$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

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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 us-gaap:InterestExpenseOperating.

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

(36,804)

Item 6.

FAQ

What is First BanCorp's consumer retail banking — interest expense operating?
First BanCorp (FBP) reported consumer retail banking — interest expense operating of $36.8M in Q2 2026.
How has First BanCorp's consumer retail banking — interest expense operating changed year-over-year?
First BanCorp's consumer retail banking — interest expense operating decreased by 4.4% year-over-year, from $38.49M to $36.8M.
What is the long-term trend for First BanCorp's consumer retail banking — interest expense operating?
Over 2 years (2022 to 2025), First BanCorp's consumer retail banking — interest expense operating has grown at a 125.2% compound annual growth rate (CAGR), from $30.3M to $153.71M.
What does consumer retail banking — interest expense operating mean?
This reflects the total interest costs incurred by the consumer banking segment to fund its operations, primarily through customer deposits and other borrowings. Monitoring this helps assess the segment's sensitivity to interest rate fluctuations and its cost of capital.

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