FIRST BANCORP PUERTO RICO (FBP) Fundamental Analysis & Valuation

NYSE:FBP • PR3186727065

Current stock price

21.13 USD
+0.37 (+1.78%)
Last:

This FBP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. FBP Profitability Analysis

1.1 Basic Checks

  • FBP had positive earnings in the past year.
  • In the past year FBP had a positive cash flow from operations.
  • Each year in the past 5 years FBP has been profitable.
  • In the past 5 years FBP always reported a positive cash flow from operatings.
FBP Yearly Net Income VS EBIT VS OCF VS FCFFBP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

1.2 Ratios

  • FBP's Return On Assets of 1.80% is amongst the best of the industry. FBP outperforms 93.42% of its industry peers.
  • FBP's Return On Equity of 17.53% is amongst the best of the industry. FBP outperforms 96.05% of its industry peers.
Industry RankSector Rank
ROA 1.8%
ROE 17.53%
ROIC N/A
ROA(3y)1.65%
ROA(5y)1.58%
ROE(3y)18.55%
ROE(5y)18.37%
ROIC(3y)N/A
ROIC(5y)N/A
FBP Yearly ROA, ROE, ROICFBP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • With an excellent Profit Margin value of 34.46%, FBP belongs to the best of the industry, outperforming 89.21% of the companies in the same industry.
  • In the last couple of years the Profit Margin of FBP has grown nicely.
  • The Operating Margin and Gross Margin are not available for FBP so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 34.46%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.23%
PM growth 5Y19.74%
GM growth 3YN/A
GM growth 5YN/A
FBP Yearly Profit, Operating, Gross MarginsFBP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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4

2. FBP Health Analysis

2.1 Basic Checks

  • FBP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for FBP has been reduced compared to 1 year ago.
  • FBP has less shares outstanding than it did 5 years ago.
  • FBP has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
FBP Yearly Shares OutstandingFBP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M
FBP Yearly Total Debt VS Total AssetsFBP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.2 Solvency

  • The Debt to FCF ratio of FBP is 0.66, which is an excellent value as it means it would take FBP, only 0.66 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.66, FBP is in the better half of the industry, outperforming 76.32% of the companies in the same industry.
  • A Debt/Equity ratio of 0.15 indicates that FBP is not too dependend on debt financing.
  • FBP has a Debt to Equity ratio (0.15) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 0.66
Altman-Z N/A
ROIC/WACCN/A
WACC13.28%
FBP Yearly LT Debt VS Equity VS FCFFBP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FBP Yearly Current Assets VS Current LiabilitesFBP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. FBP Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 18.78% over the past year.
  • The Earnings Per Share has been growing by 37.34% on average over the past years. This is a very strong growth
  • Looking at the last year, FBP shows a small growth in Revenue. The Revenue has grown by 6.67% in the last year.
  • The Revenue has been growing slightly by 7.06% on average over the past years.
EPS 1Y (TTM)18.78%
EPS 3Y10.58%
EPS 5Y37.34%
EPS Q2Q%19.57%
Revenue 1Y (TTM)6.67%
Revenue growth 3Y2.91%
Revenue growth 5Y7.06%
Sales Q2Q%-7.74%

3.2 Future

  • Based on estimates for the next years, FBP will show a small growth in Earnings Per Share. The EPS will grow by 5.05% on average per year.
  • FBP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.84% yearly.
EPS Next Y1.81%
EPS Next 2Y5.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.13%
Revenue Next 2Y3.84%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
FBP Yearly Revenue VS EstimatesFBP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
FBP Yearly EPS VS EstimatesFBP Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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6

4. FBP Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.83 indicates a reasonable valuation of FBP.
  • 80.79% of the companies in the same industry are more expensive than FBP, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 25.54. FBP is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 9.65 indicates a reasonable valuation of FBP.
  • Based on the Price/Forward Earnings ratio, FBP is valued a bit cheaper than 62.11% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of FBP to the average of the S&P500 Index (22.70), we can say FBP is valued rather cheaply.
Industry RankSector Rank
PE 9.83
Fwd PE 9.65
FBP Price Earnings VS Forward Price EarningsFBP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • FBP's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FBP is cheaper than 83.42% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.56
EV/EBITDA N/A
FBP Per share dataFBP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates FBP does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)5.44
PEG (5Y)0.26
EPS Next 2Y5.05%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. FBP Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.89%, FBP has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.78, FBP pays a bit more dividend than its industry peers.
  • FBP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 3.89%

5.2 History

  • On average, the dividend of FBP grows each year by 27.73%, which is quite nice.
  • FBP has paid a dividend for at least 10 years, which is a reliable track record.
  • FBP has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)27.73%
Div Incr Years6
Div Non Decr Years6
FBP Yearly Dividends per shareFBP Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • 33.50% of the earnings are spent on dividend by FBP. This is a low number and sustainable payout ratio.
  • The dividend of FBP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP33.5%
EPS Next 2Y5.05%
EPS Next 3YN/A
FBP Yearly Income VS Free CF VS DividendFBP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
FBP Dividend Payout.FBP Dividend Payout, showing the Payout Ratio.FBP Dividend Payout.PayoutRetained Earnings

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FBP Fundamentals: All Metrics, Ratios and Statistics

FIRST BANCORP PUERTO RICO

NYSE:FBP (3/24/2026, 1:02:06 PM)

21.13

+0.37 (+1.78%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-21
Inst Owners99.45%
Inst Owner Change0.13%
Ins Owners2.08%
Ins Owner Change1.59%
Market Cap3.31B
Revenue(TTM)1.00B
Net Income(TTM)344.87M
Analysts78.18
Price Target25.14 (18.98%)
Short Float %5.22%
Short Ratio5.69
Dividend
Industry RankSector Rank
Dividend Yield 3.89%
Yearly Dividend0.72
Dividend Growth(5Y)27.73%
DP33.5%
Div Incr Years6
Div Non Decr Years6
Ex-Date02-26
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)17.88%
Min EPS beat(2)7.62%
Max EPS beat(2)28.14%
EPS beat(4)4
Avg EPS beat(4)13.32%
Min EPS beat(4)7.62%
Max EPS beat(4)28.14%
EPS beat(8)8
Avg EPS beat(8)12.49%
EPS beat(12)12
Avg EPS beat(12)14.1%
EPS beat(16)15
Avg EPS beat(16)12.28%
Revenue beat(2)0
Avg Revenue beat(2)-13.61%
Min Revenue beat(2)-14.06%
Max Revenue beat(2)-13.15%
Revenue beat(4)0
Avg Revenue beat(4)-9.86%
Min Revenue beat(4)-14.06%
Max Revenue beat(4)-5.89%
Revenue beat(8)1
Avg Revenue beat(8)-4.22%
Revenue beat(12)2
Avg Revenue beat(12)-2.46%
Revenue beat(16)6
Avg Revenue beat(16)1.52%
PT rev (1m)0.58%
PT rev (3m)1.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.31%
EPS NY rev (1m)0.71%
EPS NY rev (3m)2.96%
Revenue NQ rev (1m)-3.11%
Revenue NQ rev (3m)1.91%
Revenue NY rev (1m)-2.95%
Revenue NY rev (3m)1.74%
Valuation
Industry RankSector Rank
PE 9.83
Fwd PE 9.65
P/S 3.31
P/FCF 7.56
P/OCF 7.38
P/B 1.68
P/tB 1.74
EV/EBITDA N/A
EPS(TTM)2.15
EY10.18%
EPS(NY)2.19
Fwd EY10.36%
FCF(TTM)2.79
FCFY13.22%
OCF(TTM)2.86
OCFY13.56%
SpS6.39
BVpS12.56
TBVpS12.14
PEG (NY)5.44
PEG (5Y)0.26
Graham Number24.65
Profitability
Industry RankSector Rank
ROA 1.8%
ROE 17.53%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.46%
GM N/A
FCFM 43.72%
ROA(3y)1.65%
ROA(5y)1.58%
ROE(3y)18.55%
ROE(5y)18.37%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.23%
PM growth 5Y19.74%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 0.66
Debt/EBITDA N/A
Cap/Depr 53.16%
Cap/Sales 1.1%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 126.87%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC13.28%
ROIC/WACCN/A
Cap/Depr(3y)57.74%
Cap/Depr(5y)55.11%
Cap/Sales(3y)1.54%
Cap/Sales(5y)1.68%
Profit Quality(3y)123.73%
Profit Quality(5y)129.64%
High Growth Momentum
Growth
EPS 1Y (TTM)18.78%
EPS 3Y10.58%
EPS 5Y37.34%
EPS Q2Q%19.57%
EPS Next Y1.81%
EPS Next 2Y5.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.67%
Revenue growth 3Y2.91%
Revenue growth 5Y7.06%
Sales Q2Q%-7.74%
Revenue Next Year3.13%
Revenue Next 2Y3.84%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y11.01%
FCF growth 3Y1.37%
FCF growth 5Y9.21%
OCF growth 1Y10.99%
OCF growth 3Y0.61%
OCF growth 5Y8.54%

FIRST BANCORP PUERTO RICO / FBP Fundamental Analysis FAQ

What is the fundamental rating for FBP stock?

ChartMill assigns a fundamental rating of 5 / 10 to FBP.


What is the valuation status for FBP stock?

ChartMill assigns a valuation rating of 5 / 10 to FIRST BANCORP PUERTO RICO (FBP). This can be considered as Fairly Valued.


How profitable is FIRST BANCORP PUERTO RICO (FBP) stock?

FIRST BANCORP PUERTO RICO (FBP) has a profitability rating of 5 / 10.


What are the PE and PB ratios of FIRST BANCORP PUERTO RICO (FBP) stock?

The Price/Earnings (PE) ratio for FIRST BANCORP PUERTO RICO (FBP) is 9.83 and the Price/Book (PB) ratio is 1.68.


Is the dividend of FIRST BANCORP PUERTO RICO sustainable?

The dividend rating of FIRST BANCORP PUERTO RICO (FBP) is 7 / 10 and the dividend payout ratio is 33.5%.