FIRST BANCORP PUERTO RICO (FBP) Stock Fundamental Analysis

NYSE:FBP • PR3186727065

22.73 USD
+0.17 (+0.75%)
At close: Feb 20, 2026
22.73 USD
0 (0%)
After Hours: 2/20/2026, 4:15:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, FBP scores 5 out of 10 in our fundamental rating. FBP was compared to 381 industry peers in the Banks industry. FBP has an average financial health and profitability rating. FBP has a correct valuation and a medium growth rate. Finally FBP also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • FBP had positive earnings in the past year.
  • FBP had a positive operating cash flow in the past year.
  • In the past 5 years FBP has always been profitable.
  • Of the past 5 years FBP 4 years had a positive operating cash flow.
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 1.73% is amongst the best of the industry. FBP outperforms 93.70% of its industry peers.
  • With an excellent Return On Equity value of 17.39%, FBP belongs to the best of the industry, outperforming 96.59% of the companies in the same industry.
Industry RankSector Rank
ROA 1.73%
ROE 17.39%
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

  • Looking at the Profit Margin, with a value of 33.85%, FBP belongs to the top of the industry, outperforming 87.66% of the companies in the same industry.
  • 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 RankSector Rank
OM N/A
PM (TTM) 33.85%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

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 0.68, which is an excellent value as it means it would take FBP, only 0.68 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of FBP (0.68) is better than 76.90% of its industry peers.
  • FBP has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
  • With a Debt to Equity ratio value of 0.15, FBP perfoms like the industry average, outperforming 54.86% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 0.68
Altman-Z N/A
ROIC/WACCN/A
WACC12.59%
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. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 18.78% over the past year.
  • Measured over the past years, FBP shows a very strong growth in Earnings Per Share. The EPS has been growing by 37.34% on average per year.
  • Looking at the last year, FBP shows a small growth in Revenue. The Revenue has grown by 6.67% in the last year.
  • Measured over the past years, FBP shows a small growth in Revenue. The Revenue has been growing by 7.06% on average per year.
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

  • FBP is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.68% yearly.
  • Based on estimates for the next years, FBP will show a small growth in Revenue. The Revenue will grow by 5.20% on average per year.
EPS Next Y1.09%
EPS Next 2Y5.68%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.29%
Revenue Next 2Y5.2%
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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5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.57, the valuation of FBP can be described as very reasonable.
  • FBP's Price/Earnings ratio is a bit cheaper when compared to the industry. FBP is cheaper than 79.27% of the companies in the same industry.
  • FBP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.09.
  • FBP is valuated reasonably with a Price/Forward Earnings ratio of 10.46.
  • 60.63% of the companies in the same industry are more expensive than FBP, based on the Price/Forward Earnings ratio.
  • FBP is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.98, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.57
Fwd PE 10.46
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

  • Based on the Price/Free Cash Flow ratio, FBP is valued cheaply inside the industry as 81.89% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.29
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 an expensive valuation of the company.
PEG (NY)9.72
PEG (5Y)0.28
EPS Next 2Y5.68%
EPS Next 3YN/A

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

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.57%, 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 1.85.
Industry RankSector Rank
Dividend Yield 3.57%

5.2 History

  • On average, the dividend of FBP grows each year by 33.03%, 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)33.03%
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

  • 34.06% of the earnings are spent on dividend by FBP. This is a low number and sustainable payout ratio.
  • FBP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP34.06%
EPS Next 2Y5.68%
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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FIRST BANCORP PUERTO RICO

NYSE:FBP (2/20/2026, 4:15:00 PM)

After market: 22.73 0 (0%)

22.73

+0.17 (+0.75%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-21
Inst Owners99.49%
Inst Owner Change-0.9%
Ins Owners2.07%
Ins Owner Change-2.17%
Market Cap3.56B
Revenue(TTM)1.00B
Net Income(TTM)333.47M
Analysts78.18
Price Target24.99 (9.94%)
Short Float %5.23%
Short Ratio6.05
Dividend
Industry RankSector Rank
Dividend Yield 3.57%
Yearly Dividend0.63
Dividend Growth(5Y)33.03%
DP34.06%
Div Incr Years6
Div Non Decr Years6
Ex-Date02-26
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)18.11%
Min EPS beat(2)8.09%
Max EPS beat(2)28.14%
EPS beat(4)4
Avg EPS beat(4)14.19%
Min EPS beat(4)8.09%
Max EPS beat(4)28.14%
EPS beat(8)8
Avg EPS beat(8)15.67%
EPS beat(12)11
Avg EPS beat(12)13.46%
EPS beat(16)15
Avg EPS beat(16)12.51%
Revenue beat(2)0
Avg Revenue beat(2)-9.75%
Min Revenue beat(2)-13.15%
Max Revenue beat(2)-6.35%
Revenue beat(4)1
Avg Revenue beat(4)-2.16%
Min Revenue beat(4)-13.15%
Max Revenue beat(4)16.77%
Revenue beat(8)1
Avg Revenue beat(8)-3.15%
Revenue beat(12)3
Avg Revenue beat(12)-0.75%
Revenue beat(16)7
Avg Revenue beat(16)3.36%
PT rev (1m)0.69%
PT rev (3m)-1.34%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.12%
EPS NY rev (1m)2.24%
EPS NY rev (3m)1.66%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)2.91%
Revenue NY rev (1m)1.22%
Revenue NY rev (3m)3.86%
Valuation
Industry RankSector Rank
PE 10.57
Fwd PE 10.46
P/S 3.61
P/FCF 8.29
P/OCF 8.13
P/B 1.86
P/tB 1.92
EV/EBITDA N/A
EPS(TTM)2.15
EY9.46%
EPS(NY)2.17
Fwd EY9.56%
FCF(TTM)2.74
FCFY12.07%
OCF(TTM)2.8
OCFY12.31%
SpS6.29
BVpS12.25
TBVpS11.83
PEG (NY)9.72
PEG (5Y)0.28
Graham Number24.34
Profitability
Industry RankSector Rank
ROA 1.73%
ROE 17.39%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 33.85%
GM N/A
FCFM 43.6%
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 0.68
Debt/EBITDA N/A
Cap/Depr 38.46%
Cap/Sales 0.87%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 128.81%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC12.59%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)18.78%
EPS 3Y10.58%
EPS 5Y37.34%
EPS Q2Q%19.57%
EPS Next Y1.09%
EPS Next 2Y5.68%
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 Year5.29%
Revenue Next 2Y5.2%
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 1Y14.37%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y13.32%
OCF growth 3YN/A
OCF growth 5YN/A

FIRST BANCORP PUERTO RICO / FBP 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 10.57 and the Price/Book (PB) ratio is 1.86.


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 34.06%.