FIRST BANCORP PUERTO RICO (FBP) Stock Fundamental Analysis
USA - NYSE:FBP - PR3186727065 - Common Stock
19.69 USD
-0.02 (-0.1%)
Taking everything into account, FBP scores 5 out of 10 in our fundamental rating. FBP was compared to 390 industry peers in the Banks industry. FBP has only an average score on both its financial health and profitability. FBP has a decent growth rate and is not valued too expensively. Finally FBP also has an excellent dividend rating.
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.
Each year in the past 5 years FBP had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.62%, FBP belongs to the top of the industry, outperforming 92.05% of the companies in the same industry.
The Return On Equity of FBP (16.62%) is better than 96.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.62% | ||
| ROE | 16.62% | ||
| 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
With an excellent Profit Margin value of 31.58%, FBP belongs to the best of the industry, outperforming 84.36% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 31.58% | ||
| 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
2. Health
2.1 Basic Checks
FBP does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FBP has less shares outstanding
The number of shares outstanding for FBP has been reduced compared to 5 years ago.
The debt/assets ratio for FBP has been reduced compared to a year ago.
2.2 Solvency
FBP has a debt to FCF ratio of 0.78. This is a very positive value and a sign of high solvency as it would only need 0.78 years to pay back of all of its debts.
The Debt to FCF ratio of FBP (0.78) is better than 77.18% of its industry peers.
A Debt/Equity ratio of 0.17 indicates that FBP is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.17, FBP perfoms like the industry average, outperforming 51.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 0.78 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.94%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FBP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.96%, which is quite good.
FBP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.59% yearly.
FBP shows a small growth in Revenue. In the last year, the Revenue has grown by 1.30%.
The Revenue has been growing slightly by 7.36% on average over the past years.
EPS 1Y (TTM)11.96%
EPS 3Y8.94%
EPS 5Y19.59%
EPS Q2Q%40%
Revenue 1Y (TTM)1.3%
Revenue growth 3Y3.3%
Revenue growth 5Y7.36%
Sales Q2Q%7.85%
3.2 Future
The Earnings Per Share is expected to grow by 9.71% on average over the next years. This is quite good.
The Revenue is expected to grow by 11.21% on average over the next years. This is quite good.
EPS Next Y9.31%
EPS Next 2Y10.1%
EPS Next 3Y9.71%
EPS Next 5YN/A
Revenue Next Year21.87%
Revenue Next 2Y13.51%
Revenue Next 3Y11.21%
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 9.56 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 79.49% of the companies listed in the same industry.
FBP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.00.
A Price/Forward Earnings ratio of 8.97 indicates a reasonable valuation of FBP.
Based on the Price/Forward Earnings ratio, FBP is valued a bit cheaper than the industry average as 66.92% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.87, FBP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.56 | ||
| Fwd PE | 8.97 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FBP is valued cheaply inside the industry as 82.82% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.7 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.03
PEG (5Y)0.49
EPS Next 2Y10.1%
EPS Next 3Y9.71%
5. Dividend
5.1 Amount
FBP has a Yearly Dividend Yield of 3.63%.
FBP's Dividend Yield is a higher than the industry average which is at 3.50.
Compared to an average S&P500 Dividend Yield of 2.31, FBP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.63% |
5.2 History
The dividend of FBP is nicely growing with an annual growth rate of 33.03%!
FBP has paid a dividend for at least 10 years, which is 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
5.3 Sustainability
36.24% 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.
DP36.24%
EPS Next 2Y10.1%
EPS Next 3Y9.71%
NYSE:FBP (10/29/2025, 9:59:09 AM)
19.69
-0.02 (-0.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners98.31%
Inst Owner Change-0.31%
Ins Owners2.03%
Ins Owner Change-3.15%
Market Cap3.16B
Revenue(TTM)938.20M
Net Income(TTM)306.67M
Analysts82.22
Price Target25.33 (28.64%)
Short Float %2.96%
Short Ratio4.42
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.63% |
Yearly Dividend0.63
Dividend Growth(5Y)33.03%
DP36.24%
Div Incr Years6
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.77%
Min EPS beat(2)8.09%
Max EPS beat(2)9.44%
EPS beat(4)4
Avg EPS beat(4)9.11%
Min EPS beat(4)7.84%
Max EPS beat(4)11.08%
EPS beat(8)8
Avg EPS beat(8)14.6%
EPS beat(12)11
Avg EPS beat(12)11.17%
EPS beat(16)15
Avg EPS beat(16)12.01%
Revenue beat(2)0
Avg Revenue beat(2)-6.12%
Min Revenue beat(2)-6.35%
Max Revenue beat(2)-5.89%
Revenue beat(4)1
Avg Revenue beat(4)0.3%
Min Revenue beat(4)-6.35%
Max Revenue beat(4)16.77%
Revenue beat(8)1
Avg Revenue beat(8)-1.94%
Revenue beat(12)4
Avg Revenue beat(12)1.43%
Revenue beat(16)8
Avg Revenue beat(16)5.32%
PT rev (1m)0%
PT rev (3m)0.81%
EPS NQ rev (1m)-1.31%
EPS NQ rev (3m)-0.77%
EPS NY rev (1m)-0.14%
EPS NY rev (3m)2.46%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)2.25%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)10.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.56 | ||
| Fwd PE | 8.97 | ||
| P/S | 3.25 | ||
| P/FCF | 7.7 | ||
| P/OCF | 7.55 | ||
| P/B | 1.71 | ||
| P/tB | 1.78 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.06
EY10.46%
EPS(NY)2.19
Fwd EY11.14%
FCF(TTM)2.56
FCFY12.98%
OCF(TTM)2.61
OCFY13.24%
SpS6.05
BVpS11.5
TBVpS11.08
PEG (NY)1.03
PEG (5Y)0.49
Graham Number23.09
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.62% | ||
| ROE | 16.62% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 31.58% | ||
| GM | N/A | ||
| FCFM | 42.24% |
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
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 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 | 0.17 | ||
| Debt/FCF | 0.78 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 35.47% | ||
| Cap/Sales | 0.85% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 133.76% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC12.94%
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)11.96%
EPS 3Y8.94%
EPS 5Y19.59%
EPS Q2Q%40%
EPS Next Y9.31%
EPS Next 2Y10.1%
EPS Next 3Y9.71%
EPS Next 5YN/A
Revenue 1Y (TTM)1.3%
Revenue growth 3Y3.3%
Revenue growth 5Y7.36%
Sales Q2Q%7.85%
Revenue Next Year21.87%
Revenue Next 2Y13.51%
Revenue Next 3Y11.21%
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 1Y13.15%
FCF growth 3Y0.66%
FCF growth 5Y7.72%
OCF growth 1Y8.03%
OCF growth 3Y0.37%
OCF growth 5Y6.55%
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 of FIRST BANCORP PUERTO RICO (FBP) stock?
ChartMill assigns a valuation rating of 6 / 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 is the valuation of FIRST BANCORP PUERTO RICO based on its PE and PB ratios?
The Price/Earnings (PE) ratio for FIRST BANCORP PUERTO RICO (FBP) is 9.56 and the Price/Book (PB) ratio is 1.71.
What is the financial health of FIRST BANCORP PUERTO RICO (FBP) stock?
The financial health rating of FIRST BANCORP PUERTO RICO (FBP) is 4 / 10.