Revenue Breakdown
Composition ()
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Revenue Streams
First BanCorp (FBP) generates its revenue through a diversified portfolio of business segments. Currently, the largest contributor to its top-line growth is Consumer (Retail) Banking, accounting for 40.7% of total sales, equivalent to $89.42M. Other significant revenue streams include Mortgage Banking and Commercial and Corporate Banking. Understanding this composition is critical for investors evaluating how FBP navigates market cycles within the Banks industry.
Profitability & Margins
Evaluating the bottom line, First BanCorp maintains a gross margin of N/A. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 43.69%, while the net margin is 35.74%. These profitability ratios, combined with a Return on Equity (ROE) of 18.97%, provide a clear picture of how effectively FBP converts its operational activities into shareholder value.
Comparative Benchmarking
In the context of the broader market, FBP competes directly with industry leaders such as WSBC and MCHB. With a market capitalization of $3.36B, it holds a significant position in the sector. When comparing efficiency, FBP's gross margin of N/A stands against WSBC's N/A and MCHB's N/A. Such benchmarking helps identify whether First BanCorp is trading at a premium or discount relative to its financial performance.
