FIRST BANCORP PUERTO RICO (FBP) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:FBP • PR3186727065

22.89 USD
-0.05 (-0.22%)
At close: Feb 5, 2026
22.89 USD
0 (0%)
After Hours: 2/5/2026, 8:23:15 PM
Fundamental Rating

5

Overall FBP gets a fundamental rating of 5 out of 10. We evaluated FBP against 383 industry peers in the Banks industry. FBP has only an average score on both its financial health and profitability. FBP is not valued too expensively and it also shows a decent growth rate. FBP also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • In the past year FBP was profitable.
  • In the past year FBP had a positive cash flow from operations.
  • 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 93.21% of its industry peers.
  • FBP has a better Return On Equity (17.39%) than 96.87% of its industry peers.
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

  • FBP's Profit Margin of 33.85% is amongst the best of the industry. FBP outperforms 87.99% of its industry peers.
  • 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) 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.
  • Compared to 5 years ago, FBP has less shares outstanding
  • There is no outstanding debt for FBP. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and 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

  • FBP has a debt to FCF ratio of 0.68. This is a very positive value and a sign of high solvency as it would only need 0.68 years to pay back of all of its debts.
  • The Debt to FCF ratio of FBP (0.68) is better than 76.76% of its industry peers.
  • 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 in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 0.68
Altman-Z N/A
ROIC/WACCN/A
WACC12.72%
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.
  • The Earnings Per Share has been growing by 37.34% on average over the past years. This is a very strong growth
  • The Revenue has been growing slightly by 6.67% in the past year.
  • FBP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.06% yearly.
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 5.68% on average per year.
  • The Revenue is expected to grow by 5.20% on average over the next years.
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

  • A Price/Earnings ratio of 10.65 indicates a reasonable valuation of FBP.
  • Compared to the rest of the industry, the Price/Earnings ratio of FBP indicates a somewhat cheap valuation: FBP is cheaper than 79.90% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.67, FBP is valued rather cheaply.
  • The Price/Forward Earnings ratio is 10.53, which indicates a very decent valuation of FBP.
  • 61.10% of the companies in the same industry are more expensive than FBP, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of FBP to the average of the S&P500 Index (27.20), we can say FBP is valued rather cheaply.
Industry RankSector Rank
PE 10.65
Fwd PE 10.53
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of FBP indicates a rather cheap valuation: FBP is cheaper than 81.46% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.42
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)9.79
PEG (5Y)0.29
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

  • FBP has a Yearly Dividend Yield of 3.49%.
  • Compared to an average industry Dividend Yield of 2.71, FBP pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, FBP pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.49%

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.
  • As FBP did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
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.
  • The dividend of FBP is growing, but the earnings are growing slower. 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 (2/5/2026, 8:23:15 PM)

After market: 22.89 0 (0%)

22.89

-0.05 (-0.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-21
Inst Owners99.49%
Inst Owner Change-1.65%
Ins Owners2.07%
Ins Owner Change-2.19%
Market Cap3.62B
Revenue(TTM)1.00B
Net Income(TTM)333.47M
Analysts80
Price Target24.99 (9.17%)
Short Float %4.26%
Short Ratio4.9
Dividend
Industry RankSector Rank
Dividend Yield 3.49%
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)-0.68%
PT rev (3m)-2.68%
EPS NQ rev (1m)-0.3%
EPS NQ rev (3m)1.93%
EPS NY rev (1m)-0.04%
EPS NY rev (3m)-3.15%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)1.68%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.85%
Valuation
Industry RankSector Rank
PE 10.65
Fwd PE 10.53
P/S 3.67
P/FCF 8.42
P/OCF 8.25
P/B 1.88
P/tB 1.95
EV/EBITDA N/A
EPS(TTM)2.15
EY9.39%
EPS(NY)2.17
Fwd EY9.49%
FCF(TTM)2.72
FCFY11.88%
OCF(TTM)2.77
OCFY12.12%
SpS6.24
BVpS12.14
TBVpS11.73
PEG (NY)9.79
PEG (5Y)0.29
Graham Number24.24
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
WACC12.72%
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 10.65 and the Price/Book (PB) ratio is 1.88.


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%.