Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $673M | $651M | $608M | $658M | $712M | $851M | $918M | $930M | $938M | $1.00B |
| Revenue growth | — | -3.3% | -6.6% | 8.2% | 8.2% | 19.6% | 7.9% | 1.2% | 0.9% | 6.7% |
| Net income | $93.2M | $67.0M | $202M | $167M | $102M | $281M | $305M | $303M | $299M | $345M |
| Net margin | 13.8% | 10.3% | 33.2% | 25.5% | 14.4% | 33.0% | 33.2% | 32.6% | 31.8% | 34.5% |
| EPS (diluted) | $0.43 | $0.30 | $0.92 | $0.76 | $0.46 | $1.31 | $1.59 | $1.71 | $1.81 | $2.15 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $199M | $236M | $288M | $294M | $298M | $400M | $440M | $363M | $404M | $449M |
| Capital expenditures | $10.4M | $9.42M | $20.5M | $22.5M | $16.1M | $13.3M | $20.5M | $22.6M | $10.0M | $11.0M |
| Free cash flow | $189M | $227M | $268M | $272M | $282M | $386M | $420M | $340M | $394M | $438M |
| Share buybacks | $1.13M | $2.50M | $2.83M | $1.96M | $206K | $217M | $278M | $203M | $102M | $154M |
| Dividends paid | $0.00 | $0.00 | $6.52M | $30.4M | $43.4M | $65.0M | $87.8M | $99.7M | $106M | $116M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $300M | $716M | $586M | $644M | $1.49B | $2.54B | $481M | $663M | $1.16B | $659M |
| Total assets | $11.9B | $12.3B | $12.2B | $12.6B | $18.8B | $20.8B | $18.6B | $18.9B | $19.3B | $19.1B |
| Total liabilities | $10.1B | $10.4B | $10.2B | $10.4B | $16.5B | $18.7B | $17.3B | $17.4B | $17.6B | $17.2B |
| Long-term debt | — | — | — | — | — | — | — | $662M | $562M | $290M |
| Shareholders' equity | $1.79B | $1.87B | $2.04B | $2.23B | $2.28B | $2.10B | $1.33B | $1.50B | $1.67B | $1.97B |
| Retained earnings | $831M | $895M | $1.09B | $1.22B | $1.22B | $1.43B | $1.64B | $1.85B | $2.04B | $2.27B |
| Shares (wtd avg diluted) | 216K | 216K | 217K | 217K | 218M | 211M | 192M | 177M | 165M | 161M |
Every figure is extracted from FIRST BANCORP /PR/’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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