For the quarter ending 2025-09-30, FBP had $162,860K increase in cash & cash equivalents over the period. $134,767K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 100,526 | 157,239 |
| Depreciation and amortization | 4,319 | 8,809 |
| Amortization of intangible assets | 859 | 2,432 |
| Provision for credit losses | 17,593 | 45,397 |
| Deferred income tax (benefit) expense | -12,154 | 1,584 |
| Stock-based compensation | 2,109 | 5,878 |
| Unrealized gain on derivative instruments | 232 | 240 |
| Net gain on disposals or sales, and impairments of premises and equipment and other assets | 0 | 0 |
| Net gain on sales of loans and loans held-for-sale valuation adjustments | 1,032 | 2,230 |
| Net (accretion) amortization of discounts, premiums, and deferred loan fees and costs | 413 | 353 |
| Originations and purchases of loans held for sale | 38,374 | 85,836 |
| Sales and repayments of loans held for sale | 36,615 | 93,508 |
| Amortization of broker placement fees | 180 | 329 |
| Net amortization of premiums and discounts on investment securities | 1,485 | -1,630 |
| (increase) decrease in accrued interest receivable | 146 | 2,605 |
| Increase in accrued interest payable | 4,454 | -3,055 |
| Decrease (increase) in other assets | -20,521 | 11,670 |
| Decrease in other liabilities | 4,289 | -7,151 |
| Net cash provided by operating activities | 137,629 | 203,666 |
| Net disbursements on loans held for investment | 204,369 | 194,164 |
| Proceeds from sales of loans held for investment | 0 | 2,475 |
| Proceeds from sales of repossessed assets | 13,708 | 27,417 |
| Purchases of available-for-sale debt securities | 518,051 | 404,332 |
| Proceeds from principal repayments and maturities of available-for-sale debt securities | 554,223 | 580,359 |
| Proceeds from principal repayments of held-to-maturity debt securities | 34,635 | 10,767 |
| Additions to premises and equipment | 2,862 | 4,093 |
| Proceeds from sales of premises and equipment and other assets | 0 | 0 |
| Net redemptions (purchases) of equity securities | -850 | -6,901 |
| Proceeds from the settlement of insurance claims - investing activities | 0 | 0 |
| Net cash (used in) provided by investing activities | -121,866 | 25,330 |
| Net decrease in deposits | 255,710 | -299,298 |
| Repayments of long-term borrowings | 30,000 | 239,850 |
| Repurchase of outstanding common stock | 50,130 | 53,534 |
| Dividends paid on common stock | 28,483 | 59,019 |
| Net cash used in financing activities | 147,097 | -651,701 |
| Net (decrease) increase in cash and cash equivalents | 162,860 | -422,705 |
| Cash and cash equivalents at beginning of period | 1,159,415 | - |
| Cash and cash equivalents at end of period | 899,570 | - |
FIRST BANCORP PR (FBP)
FIRST BANCORP PR (FBP)