FBP Fundamental Analysis - FIRST BANCORP PUERTO RICO

Fundamental Rating

FBP gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. FBP has an average financial health and profitability rating. FBP has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

In the past year FBP was profitable.

FBP had a positive operating cash flow in the past year.

FBP had positive earnings in each of the past 5 years.

FBP had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.58%, FBP belongs to the top of the industry, outperforming 91.86% of the companies in the same industry.

FBP has a better Return On Equity (16.99%) than 95.67% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.58%
ROE	16.99%
ROIC	N/A

ROA(3y)1.6%

ROA(5y)1.33%

ROE(3y)20.38%

ROE(5y)15.74%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

FBP's Profit Margin of 31.63% is amongst the best of the industry. FBP outperforms 84.99% of its industry peers.

FBP's Profit Margin has improved in the last couple of years.

The Operating Margin and Gross Margin are not available for FBP so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	31.63%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-0.76%

PM growth 5Y4.92%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FBP does not have a ROIC to compare to the WACC, probably because it is not profitable.

FBP has less shares outstanding than it did 1 year ago.

FBP has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, FBP has an improved debt to assets ratio.

2.2 Solvency

FBP has a debt to FCF ratio of 0.86. This is a very positive value and a sign of high solvency as it would only need 0.86 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 0.86, FBP is in the better half of the industry, outperforming 77.86% of the companies in the same industry.

A Debt/Equity ratio of 0.19 indicates that FBP is not too dependend on debt financing.

FBP has a Debt to Equity ratio (0.19) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.19
Debt/FCF	0.86
Altman-Z	N/A

ROIC/WACCN/A

WACC12.98%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 1.62% over the past year.

FBP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.59% yearly.

The Revenue has been growing slightly by 5.26% in the past year.

FBP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.36% yearly.

EPS 1Y (TTM)1.62%

EPS 3Y8.94%

EPS 5Y19.59%

EPS Q2Q%8.7%

Revenue 1Y (TTM)5.26%

Revenue growth 3Y3.3%

Revenue growth 5Y7.36%

Sales Q2Q%8.13%

3.2 Future

FBP is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.99% yearly.

The Revenue is expected to grow by 11.14% on average over the next years. This is quite good.

EPS Next Y6.69%

EPS Next 2Y9.12%

EPS Next 3Y10.99%

EPS Next 5YN/A

Revenue Next Year21.9%

Revenue Next 2Y13.51%

Revenue Next 3Y11.15%

Revenue Next 5YN/A

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.34 indicates a reasonable valuation of FBP.

Based on the Price/Earnings ratio, FBP is valued a bit cheaper than 63.36% of the companies in the same industry.

FBP is valuated cheaply when we compare the Price/Earnings ratio to 27.93, which is the current average of the S&P500 Index.

Based on the Price/Forward Earnings ratio of 9.89, the valuation of FBP can be described as reasonable.

The rest of the industry has a similar Price/Forward Earnings ratio as FBP.

The average S&P500 Price/Forward Earnings ratio is at 37.78. FBP is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	11.34
Fwd PE	9.89

4.2 Price Multiples

FBP's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FBP is cheaper than 75.32% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	8.9
EV/EBITDA	N/A

4.3 Compensation for Growth

FBP's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.69

PEG (5Y)0.58

EPS Next 2Y9.12%

EPS Next 3Y10.99%

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5. Dividend

5.1 Amount

FBP has a Yearly Dividend Yield of 3.41%.

Compared to an average industry Dividend Yield of 3.40, FBP pays a bit more dividend than its industry peers.

FBP's Dividend Yield is a higher than the S&P500 average which is at 2.32.

		Industry Rank	Sector Rank
Dividend Yield	3.41%

5.2 History

On average, the dividend of FBP grows each year by 33.03%, which is quite nice.

FBP has been paying a dividend for at least 10 years, so it has 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)33.03%

Div Incr Years6

Div Non Decr Years6

5.3 Sustainability

FBP pays out 35.81% of its income as dividend. This is a sustainable payout ratio.

FBP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP35.81%

EPS Next 2Y9.12%

EPS Next 3Y10.99%

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FIRST BANCORP PUERTO RICO

NYSE:FBP (7/28/2025, 8:26:35 PM)

After market: 21.31 0 (0%)

21.31

+0.18 (+0.85%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-22 2025-07-22/bmo

Earnings (Next)10-21 2025-10-21/bmo

Inst Owners98.06%

Inst Owner Change0.22%

Ins Owners2.11%

Ins Owner Change1.98%

Market Cap3.44B

Analysts80

Price Target25.3 (18.72%)

Short Float %1.31%

Short Ratio1.85

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.41%

Yearly Dividend0.63

Dividend Growth(5Y)33.03%

DP35.81%

Div Incr Years6

Div Non Decr Years6

Ex-Date08-28 2025-08-28 (0.18)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)10.26%

Min EPS beat(2)9.44%

Max EPS beat(2)11.08%

EPS beat(4)4

Avg EPS beat(4)9.97%

Min EPS beat(4)7.84%

Max EPS beat(4)11.52%

EPS beat(8)8

Avg EPS beat(8)14.52%

EPS beat(12)11

Avg EPS beat(12)11.18%

EPS beat(16)15

Avg EPS beat(16)13.66%

Revenue beat(2)1

Avg Revenue beat(2)5.44%

Min Revenue beat(2)-5.89%

Max Revenue beat(2)16.77%

Revenue beat(4)1

Avg Revenue beat(4)1.31%

Min Revenue beat(4)-5.89%

Max Revenue beat(4)16.77%

Revenue beat(8)1

Avg Revenue beat(8)-1.38%

Revenue beat(12)5

Avg Revenue beat(12)3.32%

Revenue beat(16)9

Avg Revenue beat(16)6.9%

PT rev (1m)5.53%

PT rev (3m)7.83%

EPS NQ rev (1m)0.29%

EPS NQ rev (3m)2.97%

EPS NY rev (1m)-0.24%

EPS NY rev (3m)5.16%

Revenue NQ rev (1m)4.19%

Revenue NQ rev (3m)2.11%

Revenue NY rev (1m)0.45%

Revenue NY rev (3m)-3.03%

Valuation

		Industry Rank	Sector Rank
PE	11.34
Fwd PE	9.89
P/S	3.6
P/FCF	8.9
P/OCF	8.73
P/B	1.93
P/tB	2.01
EV/EBITDA	N/A

EPS(TTM)1.88

EY8.82%

EPS(NY)2.16

Fwd EY10.11%

FCF(TTM)2.39

FCFY11.24%

OCF(TTM)2.44

OCFY11.45%

SpS5.92

BVpS11.01

TBVpS10.59

PEG (NY)1.69

PEG (5Y)0.58

Profitability

		Industry Rank	Sector Rank
ROA	1.58%
ROE	16.99%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	31.63%
GM	N/A
FCFM	40.46%

ROA(3y)1.6%

ROA(5y)1.33%

ROE(3y)20.38%

ROE(5y)15.74%

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

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-0.76%

PM growth 5Y4.92%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.19
Debt/FCF	0.86
Debt/EBITDA	N/A
Cap/Depr	30.41%
Cap/Sales	0.77%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	127.93%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC12.98%

ROIC/WACCN/A

Cap/Depr(3y)61.95%

Cap/Depr(5y)56.86%

Cap/Sales(3y)1.91%

Cap/Sales(5y)1.91%

Profit Quality(3y)127.34%

Profit Quality(5y)160.82%

High Growth Momentum

Growth

EPS 1Y (TTM)1.62%

EPS 3Y8.94%

EPS 5Y19.59%

EPS Q2Q%8.7%

EPS Next Y6.69%

EPS Next 2Y9.12%

EPS Next 3Y10.99%

EPS Next 5YN/A

Revenue 1Y (TTM)5.26%

Revenue growth 3Y3.3%

Revenue growth 5Y7.36%

Sales Q2Q%8.13%

Revenue Next Year21.9%

Revenue Next 2Y13.51%

Revenue Next 3Y11.15%

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 1Y-9.14%

FCF growth 3Y0.66%

FCF growth 5Y7.72%

OCF growth 1Y-10.64%

OCF growth 3Y0.37%

OCF growth 5Y6.55%

FIRST BANCORP PUERTO RICO (FBP) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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