Switch to:
Also traded in: Germany, USA

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.79
FBP's Cash to Debt is ranked lower than
51% of the 1075 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. FBP: 0.79 )
Ranked among companies with meaningful Cash to Debt only.
FBP' s Cash to Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.27 Max: N/A
Current: 0.79
Equity to Asset 0.14
FBP's Equity to Asset is ranked higher than
74% of the 1536 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FBP: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
FBP' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.08 Max: 0.13
Current: 0.14
0.06
0.13
Interest Coverage 0.27
FBP's Interest Coverage is ranked lower than
86% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.89 vs. FBP: 0.27 )
Ranked among companies with meaningful Interest Coverage only.
FBP' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 0.17 Max: 9999.99
Current: 0.27
0.12
9999.99
F-Score: 5
WACC vs ROIC
48.78%
1.49%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating margin (%) 4.75
FBP's Operating margin (%) is ranked lower than
89% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.52 vs. FBP: 4.75 )
Ranked among companies with meaningful Operating margin (%) only.
FBP' s Operating margin (%) Range Over the Past 10 Years
Min: -72.67  Med: 6.99 Max: 22.69
Current: 4.75
-72.67
22.69
Net-margin (%) 3.65
FBP's Net-margin (%) is ranked higher than
95% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.98 vs. FBP: 3.65 )
Ranked among companies with meaningful Net-margin (%) only.
FBP' s Net-margin (%) Range Over the Past 10 Years
Min: -90.46  Med: 5.83 Max: 67.7
Current: 3.65
-90.46
67.7
ROE (%) 1.26
FBP's ROE (%) is ranked higher than
93% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.24 vs. FBP: 1.26 )
Ranked among companies with meaningful ROE (%) only.
FBP' s ROE (%) Range Over the Past 10 Years
Min: -20.47  Med: 2.10 Max: 27.29
Current: 1.26
-20.47
27.29
ROA (%) 0.17
FBP's ROA (%) is ranked higher than
92% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. FBP: 0.17 )
Ranked among companies with meaningful ROA (%) only.
FBP' s ROA (%) Range Over the Past 10 Years
Min: -2.98  Med: 0.23 Max: 3.09
Current: 0.17
-2.98
3.09
Revenue Growth (3Y)(%) -100.00
FBP's Revenue Growth (3Y)(%) is ranked lower than
94% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. FBP: -100.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FBP' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: 2.70 Max: 31.3
Current: -100
-100
31.3
EBITDA Growth (3Y)(%) -100.00
FBP's EBITDA Growth (3Y)(%) is ranked lower than
99.99% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. FBP: -100.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FBP' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: 2.25 Max: 42.9
Current: -100
-100
42.9
EPS Growth (3Y)(%) -100.00
FBP's EPS Growth (3Y)(%) is ranked lower than
74% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.30 vs. FBP: -100.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FBP' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: -3.45 Max: 28.4
Current: -100
-100
28.4
» FBP's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q4 2014

FBP Guru Trades in Q4 2014

Jim Simons 155,332 sh (New)
Paul Tudor Jones 36,516 sh (New)
Howard Marks 41,843,581 sh (unchged)
Steven Cohen Sold Out
HOTCHKIS & WILEY 2,024,735 sh (-0.30%)
» More
Q1 2015

FBP Guru Trades in Q1 2015

Steven Cohen 200,000 sh (New)
Jim Simons 518,100 sh (+233.54%)
Paul Tudor Jones 58,340 sh (+59.77%)
HOTCHKIS & WILEY 2,067,393 sh (+2.11%)
Howard Marks 41,843,581 sh (unchged)
» More
Q2 2015

FBP Guru Trades in Q2 2015

Steven Cohen 507,800 sh (+153.90%)
HOTCHKIS & WILEY 3,971,393 sh (+92.10%)
Jim Simons 785,300 sh (+51.57%)
Paul Tudor Jones 75,816 sh (+29.96%)
Howard Marks 41,843,581 sh (unchged)
» More
Q3 2015

FBP Guru Trades in Q3 2015

Steven Cohen 1,436,300 sh (+182.85%)
Howard Marks 41,843,581 sh (unchged)
HOTCHKIS & WILEY 3,959,304 sh (-0.30%)
Paul Tudor Jones 64,400 sh (-15.06%)
Jim Simons 392,400 sh (-50.03%)
» More
» Details

Insider Trades

Latest Guru Trades with FBP

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of First BanCorp

SymbolPriceYieldDescription
FBPRM13.896.417.40% NonCumulative Perpetual Monthly Income Preferred Stock, Series C
FBPRP12.000.007.125% NonCumulative Perpetual Monthly Income Preferred Stock, Series A
FBPRN13.490.007.25% NonCumulative Perpetual Monthly Income Preferred Stock, Series D
FBPRL14.240.007.00% NonCumulative Perpetual Monthly Income Preferred Stock, Series E
FBPRO13.500.008.35% NonCumulative Perpetual Monthly Income Preferred Stock, Series B

Ratios

vs
industry
vs
history
P/E(ttm) 1.54
FBP's P/E(ttm) is ranked higher than
99% of the 2205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.42 vs. FBP: 1.54 )
Ranked among companies with meaningful P/E(ttm) only.
FBP' s P/E(ttm) Range Over the Past 10 Years
Min: 1.45  Med: 14.23 Max: 37.67
Current: 1.54
1.45
37.67
Forward P/E 21.19
FBP's Forward P/E is ranked lower than
97% of the 1345 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.45 vs. FBP: 21.19 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 1.54
FBP's PE(NRI) is ranked higher than
98% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. FBP: 1.54 )
Ranked among companies with meaningful PE(NRI) only.
FBP' s PE(NRI) Range Over the Past 10 Years
Min: 0.94  Med: 14.19 Max: 37.67
Current: 1.54
0.94
37.67
P/B 0.34
FBP's P/B is ranked higher than
98% of the 2217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. FBP: 0.34 )
Ranked among companies with meaningful P/B only.
FBP' s P/B Range Over the Past 10 Years
Min: 0.08  Med: 0.82 Max: 2.92
Current: 0.34
0.08
2.92
P/S 0.91
FBP's P/S is ranked higher than
92% of the 2382 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.47 vs. FBP: 0.91 )
Ranked among companies with meaningful P/S only.
FBP' s P/S Range Over the Past 10 Years
Min: 0.05  Med: 1.73 Max: 6.58
Current: 0.91
0.05
6.58
PFCF 2.45
FBP's PFCF is ranked higher than
88% of the 1368 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.46 vs. FBP: 2.45 )
Ranked among companies with meaningful PFCF only.
FBP' s PFCF Range Over the Past 10 Years
Min: 0.18  Med: 3.61 Max: 35.17
Current: 2.45
0.18
35.17
POCF 2.30
FBP's POCF is ranked higher than
88% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. FBP: 2.30 )
Ranked among companies with meaningful POCF only.
FBP' s POCF Range Over the Past 10 Years
Min: 0.15  Med: 3.54 Max: 21.29
Current: 2.3
0.15
21.29
EV-to-EBIT 13.67
FBP's EV-to-EBIT is ranked lower than
55% of the 2126 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.54 vs. FBP: 13.67 )
Ranked among companies with meaningful EV-to-EBIT only.
FBP' s EV-to-EBIT Range Over the Past 10 Years
Min: -49.3  Med: 10.80 Max: 155.9
Current: 13.67
-49.3
155.9
EV-to-EBITDA 8.16
FBP's EV-to-EBITDA is ranked higher than
71% of the 2127 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.24 vs. FBP: 8.16 )
Ranked among companies with meaningful EV-to-EBITDA only.
FBP' s EV-to-EBITDA Range Over the Past 10 Years
Min: -80.1  Med: 8.40 Max: 317.2
Current: 8.16
-80.1
317.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.32
FBP's Price/Tangible Book is ranked higher than
93% of the 2120 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. FBP: 0.32 )
Ranked among companies with meaningful Price/Tangible Book only.
FBP' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.23  Med: 1.59 Max: 3.92
Current: 0.32
0.23
3.92
Price/Projected FCF 0.15
FBP's Price/Projected FCF is ranked higher than
91% of the 1270 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.45 vs. FBP: 0.15 )
Ranked among companies with meaningful Price/Projected FCF only.
FBP' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.06  Med: 0.38 Max: 1.18
Current: 0.15
0.06
1.18
Price/Median PS Value 0.52
FBP's Price/Median PS Value is ranked higher than
93% of the 2030 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. FBP: 0.52 )
Ranked among companies with meaningful Price/Median PS Value only.
FBP' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.07  Med: 1.28 Max: 4.53
Current: 0.52
0.07
4.53
Price/Graham Number 0.59
FBP's Price/Graham Number is ranked higher than
98% of the 1943 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. FBP: 0.59 )
Ranked among companies with meaningful Price/Graham Number only.
FBP' s Price/Graham Number Range Over the Past 10 Years
Min: 0.2  Med: 0.99 Max: 1.83
Current: 0.59
0.2
1.83
Earnings Yield (Greenblatt) (%) 7.29
FBP's Earnings Yield (Greenblatt) (%) is ranked higher than
91% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. FBP: 7.29 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FBP' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.6  Med: 5.10 Max: 32.7
Current: 7.29
0.6
32.7
Forward Rate of Return (Yacktman) (%) 1131.92
FBP's Forward Rate of Return (Yacktman) (%) is ranked higher than
99% of the 818 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.68 vs. FBP: 1131.92 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FBP' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -0.7  Med: 100.20 Max: 874.7
Current: 1131.92
-0.7
874.7

More Statistics

Revenue(Mil) $582
EPS $ 1.59
Beta1.97
Short Percentage of Float3.60%
52-Week Range $2.06 - 6.76
Shares Outstanding(Mil)215.01

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:OLWN.Germany, FBPRM.USA,
First BanCorp was incorporated under the laws of the Commonwealth of Puerto Rico to serve as the bank holding company for FirstBank. The Company is a provider of financial services and products with operations in Puerto Rico, the United States and the US and British Virgin Islands. It provides financial services for retail, commercial and institutional clients. The Company has six reportable segments: Consumer (Retail) Banking; Commercial and Corporate Banking; Mortgage Banking; Treasury and Investments; United States Operations; and Virgin Islands Operations. The Consumer (Retail) Banking segment consists of the Corporation's consumer lending and deposit-taking activities conducted mainly through FirstBank's branch network and loan centers in Puerto Rico. Loans to consumers include auto, boat and personal loans, credit cards, and lines of credit. Deposit products include interest bearing and non-interest bearing checking and savings accounts, Individual Retirement Accounts (IRA) and retail certificates of deposit. The Commercial and Corporate Banking segment offers commercial loans, including commercial real estate and construction loans, and other products, such as cash management and business management services. The Mortgage Banking segment conducts its operations mainly through FirstBank and its mortgage origination subsidiary, First Mortgage. These operations consist of the origination, sale and servicing of a variety of residential mortgage loan products. The Treasury and Investments segment is responsible for the Corporation's treasury and investment management functions. The treasury function, which includes funding and liquidity management, sells funds to the Commercial and Corporate Banking segment, the Mortgage Banking segment, and the Consumer (Retail) Banking segment to finance their respective lending activities and purchases funds gathered by those segments and from the United States Operations segment. The United States Operations segment offers an array of both retail and commercial banking products and services. Consumer banking products include checking, savings and money market accounts, retail certificates of deposit, internet banking services, residential mortgages, home equity loans, lines of credit, and automobile loans. The Virgin Islands Operations segment consists of all banking activities conducted by FirstBank in the USVI and BVI, including retail and commercial banking services, with a total of fourteen branches serving the islands in the USVI of St. Thomas, St. Croix, and St. John, and the islands in the BVI of Tortola and Virgin Gorda. The Virgin Islands Operations segment is driven by its consumer, commercial lending and deposit-taking activities. The Company's main competitors include other banks, insurance companies, mortgage banking companies, small loan companies, automobile financing companies, leasing companies, brokerage firms with retail operations, and credit unions in Puerto Rico, the V
» More Articles for FBP

Headlines

Articles On GuruFocus.com
Paul Tudor Jones' Undervalued Stocks Trading With Low P/E Ratio Jul 20 2015 
Howard Marks' Top Five of the Second Quarter Aug 12 2014 
In Puerto Rico, Maximum Pessimism Nears May 07 2014 
Howard Marks Top Five Feb 11 2014 
Howard Marks Update – Oaktree Capital Sells Nov 10 2013 
Top 5 Holdings of Howard Marks Aug 07 2013 
Dec 11 2011 
Weekly CEO Buys Highlight: UTHR, SUSS, ONFC, FSC, FBP Dec 11 2011 
Weekly CEO Buys Highlight: QUAD, CHK, CTFO, FBP, CGI Dec 05 2011 
First BanCorp. Reports Operating Results (10-Q) Nov 09 2010 

More From Other Websites
First BanCorp (Puerto Rico) Earnings Analysis: 2015 By the Numbers Feb 04 2016
First BanCorp (Puerto Rico): Strong price momentum but will it sustain? Feb 01 2016
Edited Transcript of FBP earnings conference call or presentation 29-Jan-16 3:00pm GMT Jan 29 2016
FIRST BANCORP /PR/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 29 2016
First Bancorp posts 4Q profit Jan 28 2016
First BanCorp. Announces Earnings for the Quarter and Year Ended December 31, 2015 Jan 28 2016
First BanCorp. Announces Earnings for the Quarter and Year Ended December 31, 2015 Jan 28 2016
Q4 2015 First Bancorp Earnings Release - After Market Close Jan 28 2016
First BanCorp to Announce 4Q 2015 Results and Hold Conference Call on January 29, 2016 Jan 15 2016
First BanCorp to Announce 4Q 2015 Results and Hold Conference Call on January 29, 2016 Jan 15 2016
Swing for the Fences With These Super-Cheap Stocks Dec 31 2015
Is First Bancorp (FBP) Going to Burn These Hedge Funds? Dec 14 2015
FIRST BANCORP /PR/ Financials Dec 08 2015
First BanCorp (Puerto Rico) breached its 50 day moving average in a Bearish Manner : November 23,... Nov 23 2015
FIRST BANCORP /PR/ Files SEC form 8-K, Results of Operations and Financial Condition, Regulation FD... Nov 12 2015
FIRST BANCORP /PR/ Files SEC form 10-Q, Quarterly Report Nov 09 2015
First BanCorp (Puerto Rico) Earnings Q3, 2015 Oct 27 2015
Edited Transcript of FBP earnings conference call or presentation 26-Oct-15 2:00pm GMT Oct 26 2015
FIRST BANCORP /PR/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 26 2015
First BanCorp. Announces Earnings for the Quarter Ended September 30, 2015 Oct 26 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK