FBP First Bancorp PR margins

Relative Growth: Rel. Growth: 80

Relative Strength: Rel. Strength: 74

Relative Valuation: Rel. Valuation: 81

Relative Profitability: Rel. Profitability: 92

Gross margin

100%

Operating margin

47%

EBITDA margin

48.9%

Net margin

39%

Current First Bancorp PR reports a gross margin of 100%, an operating margin of 47%, an EBITDA margin of 48.9%, and a net margin of 39%. Net margin expanded by 4.5 percentage points, while other available margins were unchanged.

FBP margin history

Gross, operating, EBITDA and net margin trends

Over the last 3 years, First Bancorp PR's margins averaged 100% gross, 45.15% operating, 47.84% EBITDA, and 35.91% net. Currently, operating, EBITDA, and net margins are above their three-year averages.

FBP margin expansion

Year-over-year margin changes in percentage points

From the same period last year, operating margin expanded by 2.5 percentage points, EBITDA margin by 1.8 percentage points, and net margin by 4.5 percentage points, while gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

2.5pp

EBITDA margin expansion

1.8pp

Net margin expansion

4.5pp

FBP Gross margin

Over the last 3 years, the average gross margin for First Bancorp PR was 100%. The latest gross margin for First Bancorp PR is 100%, in line with its three-year average. First Bancorp PR's gross margin ranged from a low of 100% in Dec 2023 to a high of 100% in Jun 2026.

FBP Operating margin

Over the last 3 years, First Bancorp PR's operating margin averaged 45.15%. Right now, First Bancorp PR's current operating margin is 47%, which is 1.9 percentage points above its three-year average. During this period, operating margin reached a high of 47% in Jun 2026 and a low of 43.7% in Sep 2024.

FBP EBITDA margin

First Bancorp PR's EBITDA margin averaged 47.84% over the last 3 years. The latest EBITDA margin for First Bancorp PR is 48.9%, 1.1 percentage points above its three-year average. Over the last 3 years, First Bancorp PR's EBITDA margin peaked at 49% in Dec 2023 and reached a low of 46.7% in Sep 2024.

FBP Net margin

First Bancorp PR recorded an average net margin of 35.91% across the last 3 years. First Bancorp PR currently reports a net margin of 39%, 3.1 percentage points above its three-year average. The net margin for First Bancorp PR moved between 34% in Dec 2024 and 39% in Jun 2026.

FBP margin group comparison

Margins compared with peer-group, industry and sector averages

With a gross margin of 100%, FBP stands above the Financial Services sector and the industry average. Compared to its Financial Services sector average of 83.7%, First Bancorp PR's gross margin is 19% higher.

FBP margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is First Bancorp PR's gross margin?

The current gross margin for FBP is 100% as of Jun 30, 2026.

What is First Bancorp PR's operating margin?

As of Jun 30, 2026, FBP has an operating margin of 47%.

What is First Bancorp PR's EBITDA margin?

The current EBITDA margin for FBP is 48.9% as of Jun 30, 2026.

What is First Bancorp PR's net margin?

For the period ending Jun 30, 2026, FBP recorded a net margin of 39%.

What are the average margins of FBP?

Across the last 3 years, FBP averaged 100.0% gross, 45.2% operating, 47.8% EBITDA, and 35.9% net.

What are the highest historical margins of FBP?

Across the 5-year period, FBP posted its highest margins at 100% gross in Jun 2026, 51.2% operating in Jun 2022, 54.6% EBITDA in Jun 2022, and 39% net in Jun 2026.

What are the lowest historical margins of FBP?

Within the 5-year period, FBP recorded its lowest margins at 100% gross in Dec 2021, 43.7% operating in Sep 2024, 46.7% EBITDA in Sep 2024, and 30.3% net in Dec 2021.