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Sep 30, 2023

First BanCorp Q3 2023 Earnings Report

Reported net income and strong return on average assets, driven by loan growth and disciplined expense management.

Key Takeaways

First BanCorp reported a net income of $82.0 million for Q3 2023, with a return on average assets of 1.72%. The results were driven by loan growth, disciplined expense management and positive economic trends in the main market, Puerto Rico.

Net income reached $82.0 million, with diluted earnings per share of $0.46.

Return on average assets was strong at 1.72%.

Total loans increased by 1.5% during the quarter.

The corporation expects to continue repurchasing shares of common stock during the fourth quarter under the 2023 capital plan authorization of $225 million.

Total Revenue
$200M
Previous year: $208M
-3.9%
EPS
$0.46
Previous year: $0.4
+15.0%
Leverage Ratio
10.57%
Tangible Common Equity Ratio
6.74%
Previous year: 6.55%
+2.9%
Gross Profit
$232M
Previous year: $2.56M
+8954.2%
Cash and Equivalents
$585M
Previous year: $481M
+21.7%
Free Cash Flow
$114M
Previous year: $112M
+1.8%
Total Assets
$18.6B
Previous year: $18.4B
+0.8%

First BanCorp

First BanCorp

First BanCorp Revenue by Geographic Location

Forward Guidance

First BanCorp. expects to continue repurchasing shares of common stock during the fourth quarter under the 2023 capital plan authorization of $225 million.