First Bancorp

NAS:FBNCFinancial ServicesCBOEFTSE:MRUTNASDAQ:BANK

$63.92+4.72%At closeAt close · Fri 23 Oct · ≈ AED 234.75 · Market cap $2.64B · Next earnings Wed 28 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	82.9%	92.4%	93.0%	70.4%	61.7%	70.1%	—	—
Operating margin	32.4%	37.0%	45.4%	24.4%	18.5%	26.6%	26.6%	+0.0 pts
Net margin	25.6%	29.4%	36.0%	19.2%	14.4%	20.4%	20.4%	+0.0 pts
EBITDA margin	36.7%	41.3%	49.2%	27.9%	21.9%	28.5%	—	—
Return on equity	9.1%	7.8%	14.2%	7.6%	5.3%	6.7%	6.7%	+0.0 pts
Return on assets	1.1%	0.9%	1.4%	0.9%	0.6%	0.9%	0.9%	+0.0 pts
Return on capital employed	10.2%	8.7%	13.3%	6.4%	6.1%	4.4%	—	—
Debt / equity	0.0×	0.0×	0.2×	0.2×	0.0×	0.0×	0.0×	+0.0%
Debt / assets	0.3%	0.2%	2.2%	2.7%	0.1%	0.6%	—	—
Interest coverage	5.3×	12.6×	11.5×	0.9×	0.5×	0.9×	—	—
Current ratio	0.3×	0.3×	0.3×	0.2×	0.2×	0.2×	0.2×	+0.0%
Quick ratio	0.3×	0.3×	0.3×	0.2×	0.2×	0.2×	—	—
Cash ratio	0.1×	0.1×	0.0×	0.0×	0.0×	0.0×	0.0×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	—	—
Receivables turnover	15.7×	12.5×	13.7×	14.5×	14.6×	13.9×	—	—
Dividend payout	25.7%	23.2%	20.9%	33.6%	47.6%	33.6%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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Current snapshot ratios have no reporting date and are shown separately from fiscal periods.