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Also traded in: Germany

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 : 5/10

vs
industry
vs
history
Cash to Debt 0.91
NYSE:FBP's Cash to Debt is ranked lower than
64% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.02 vs. NYSE:FBP: 0.91 )
Ranked among companies with meaningful Cash to Debt only.
NYSE:FBP' s Cash to Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.25 Max: 1.71
Current: 0.91
0.01
1.71
Equity to Asset 0.15
NYSE:FBP's Equity to Asset is ranked higher than
85% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NYSE:FBP: 0.15 )
Ranked among companies with meaningful Equity to Asset only.
NYSE:FBP' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.08 Max: 0.15
Current: 0.15
0.06
0.15
Interest Coverage 1.07
NYSE:FBP's Interest Coverage is ranked lower than
61% of the 1751 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. NYSE:FBP: 1.07 )
Ranked among companies with meaningful Interest Coverage only.
NYSE:FBP' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 0.17 Max: 0.79
Current: 1.07
0.12
0.79
F-Score: 3
M-Score: -2.65
WACC vs ROIC
26.39%
5.42%
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 : 3/10

vs
industry
vs
history
Operating margin (%) 19.41
NYSE:FBP's Operating margin (%) is ranked lower than
75% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.82 vs. NYSE:FBP: 19.41 )
Ranked among companies with meaningful Operating margin (%) only.
NYSE:FBP' s Operating margin (%) Range Over the Past 10 Years
Min: -72.67  Med: 5.87 Max: 22.69
Current: 19.41
-72.67
22.69
Net-margin (%) 14.65
NYSE:FBP's Net-margin (%) is ranked lower than
74% of the 1670 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.17 vs. NYSE:FBP: 14.65 )
Ranked among companies with meaningful Net-margin (%) only.
NYSE:FBP' s Net-margin (%) Range Over the Past 10 Years
Min: -90.46  Med: 4.74 Max: 67.7
Current: 14.65
-90.46
67.7
ROE (%) 4.83
NYSE:FBP's ROE (%) is ranked lower than
75% of the 1670 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.38 vs. NYSE:FBP: 4.83 )
Ranked among companies with meaningful ROE (%) only.
NYSE:FBP' s ROE (%) Range Over the Past 10 Years
Min: -20.47  Med: 2.07 Max: 27.29
Current: 4.83
-20.47
27.29
ROA (%) 0.67
NYSE:FBP's ROA (%) is ranked lower than
64% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. NYSE:FBP: 0.67 )
Ranked among companies with meaningful ROA (%) only.
NYSE:FBP' s ROA (%) Range Over the Past 10 Years
Min: -2.98  Med: 0.2 Max: 3.09
Current: 0.67
-2.98
3.09
Revenue Growth (3Y)(%) 3.30
NYSE:FBP's Revenue Growth (3Y)(%) is ranked higher than
51% of the 1368 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. NYSE:FBP: 3.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NYSE:FBP' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -71.5  Med: 3.3 Max: 31.3
Current: 3.3
-71.5
31.3
EBITDA Growth (3Y)(%) -6.20
NYSE:FBP's EBITDA Growth (3Y)(%) is ranked lower than
80% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. NYSE:FBP: -6.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NYSE:FBP' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -73.8  Med: 2.3 Max: 42.9
Current: -6.2
-73.8
42.9
EPS Growth (3Y)(%) -10.60
NYSE:FBP's EPS Growth (3Y)(%) is ranked lower than
84% of the 1227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. NYSE:FBP: -10.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NYSE:FBP' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -58  Med: -5.45 Max: 28.4
Current: -10.6
-58
28.4
» NYSE:FBP's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2015

FBP Guru Trades in Q4 2015

HOTCHKIS & WILEY 4,593,343 sh (+16.01%)
Howard Marks 41,843,581 sh (unchged)
Jim Simons Sold Out
Steven Cohen 1,348,902 sh (-6.08%)
Paul Tudor Jones 46,700 sh (-27.48%)
» More
Q1 2016

FBP Guru Trades in Q1 2016

Jim Simons 90,100 sh (New)
Charles Brandes 11,964 sh (New)
Steven Cohen 1,979,200 sh (+46.73%)
HOTCHKIS & WILEY 5,596,161 sh (+21.83%)
Howard Marks 41,843,581 sh (unchged)
Paul Tudor Jones Sold Out
» More
Q2 2016

FBP Guru Trades in Q2 2016

Jim Simons 365,100 sh (+305.22%)
Charles Brandes 18,002 sh (+50.47%)
Howard Marks 41,843,581 sh (unchged)
HOTCHKIS & WILEY 5,531,502 sh (-1.16%)
Steven Cohen 1,572,600 sh (-20.54%)
» More
Q3 2016

FBP Guru Trades in Q3 2016

Jim Simons 367,800 sh (+0.74%)
Howard Marks 41,843,581 sh (unchged)
HOTCHKIS & WILEY 5,512,642 sh (-0.34%)
Charles Brandes 12,618 sh (-29.91%)
Steven Cohen 198,750 sh (-87.36%)
» 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%)

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Preferred stocks of First BanCorp

SymbolPriceYieldDescription
FBPRM20.000.007.40% NonCumulative Perpetual Monthly Income Preferred Stock, Series C
FBPRP21.000.007.125% NonCumulative Perpetual Monthly Income Preferred Stock, Series A
FBPRN20.250.007.25% NonCumulative Perpetual Monthly Income Preferred Stock, Series D
FBPRL20.000.007.00% NonCumulative Perpetual Monthly Income Preferred Stock, Series E
FBPRO20.000.008.35% NonCumulative Perpetual Monthly Income Preferred Stock, Series B

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:FRME, NAS:UBSH, NAS:WSFS, NAS:BNCL, AMEX:TMP, NAS:BANF, NAS:BPFH, NAS:SFNC, NAS:ABCB, NAS:CBF, NAS:WABC, NAS:BNCN, NAS:STBA, NAS:FFBC, NYSE:YDKN, NAS:FIBK, NAS:HTLF, NYSE:FCF, NAS:IBTX, NAS:NBTB » details
Traded in other countries:OLWN.Germany,
First BanCorp is a financial holding company. The Company provides financial services and products for retail, commercial and institutional clients with operations in Puerto Rico, the United States and the USVI and BVI.

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, the U.S. Virgin Islands (USVI), and the British Virgin Islands (BVI). 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 cre

Top Ranked Articles about First BanCorp

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HOTCHKIS & WILEY are value investors focusing on important investment parameters such as a company's tangible assets, sustainable cash flow and potential for improving business performance. It manages a portfolio composed of 173 stocks with total value of $23.763 billion. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 15.28
FBP's P/E(ttm) is ranked lower than
56% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. FBP: 15.28 )
Ranked among companies with meaningful P/E(ttm) only.
FBP' s P/E(ttm) Range Over the Past 10 Years
Min: 0.59  Med: 14.16 Max: 46.11
Current: 15.28
0.59
46.11
PE(NRI) 15.28
FBP's PE(NRI) is ranked lower than
56% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. FBP: 15.28 )
Ranked among companies with meaningful PE(NRI) only.
FBP' s PE(NRI) Range Over the Past 10 Years
Min: 0.59  Med: 14.16 Max: 46.11
Current: 15.28
0.59
46.11
Price/Owner Earnings (ttm) 15.89
FBP's Price/Owner Earnings (ttm) is ranked lower than
57% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. FBP: 15.89 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FBP' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 6.52  Med: 13.92 Max: 1275
Current: 15.89
6.52
1275
P/B 0.73
FBP's P/B is ranked higher than
76% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. FBP: 0.73 )
Ranked among companies with meaningful P/B only.
FBP' s P/B Range Over the Past 10 Years
Min: 0.08  Med: 0.72 Max: 1.72
Current: 0.73
0.08
1.72
P/S 2.22
FBP's P/S is ranked higher than
70% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. FBP: 2.22 )
Ranked among companies with meaningful P/S only.
FBP' s P/S Range Over the Past 10 Years
Min: 0.05  Med: 1.55 Max: 3.56
Current: 2.22
0.05
3.56
PFCF 7.48
FBP's PFCF is ranked higher than
66% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. FBP: 7.48 )
Ranked among companies with meaningful PFCF only.
FBP' s PFCF Range Over the Past 10 Years
Min: 0.18  Med: 3.84 Max: 33.71
Current: 7.48
0.18
33.71
POCF 7.03
FBP's POCF is ranked higher than
64% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. FBP: 7.03 )
Ranked among companies with meaningful POCF only.
FBP' s POCF Range Over the Past 10 Years
Min: 0.15  Med: 3.41 Max: 17.7
Current: 7.03
0.15
17.7
EV-to-EBIT 12.29
FBP's EV-to-EBIT is ranked higher than
50% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. FBP: 12.29 )
Ranked among companies with meaningful EV-to-EBIT only.
FBP' s EV-to-EBIT Range Over the Past 10 Years
Min: -49.3  Med: 10.4 Max: 155.9
Current: 12.29
-49.3
155.9
EV-to-EBITDA 10.16
FBP's EV-to-EBITDA is ranked higher than
54% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. FBP: 10.16 )
Ranked among companies with meaningful EV-to-EBITDA only.
FBP' s EV-to-EBITDA Range Over the Past 10 Years
Min: -80.1  Med: 8.25 Max: 317.2
Current: 10.16
-80.1
317.2

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -1.40
FBP's 3-Year Average Share Buyback Ratio is ranked higher than
54% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. FBP: -1.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FBP' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -222.1  Med: -1.4 Max: 4
Current: -1.4
-222.1
4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.73
FBP's Price/Tangible Book is ranked higher than
77% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. FBP: 0.73 )
Ranked among companies with meaningful Price/Tangible Book only.
FBP' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.1  Med: 1.36 Max: 3.92
Current: 0.73
0.1
3.92
Price/Projected FCF 0.37
FBP's Price/Projected FCF is ranked higher than
85% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. FBP: 0.37 )
Ranked among companies with meaningful Price/Projected FCF only.
FBP' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.02  Med: 0.37 Max: 1.15
Current: 0.37
0.02
1.15
Price/Median PS Value 1.43
FBP's Price/Median PS Value is ranked lower than
78% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FBP: 1.43 )
Ranked among companies with meaningful Price/Median PS Value only.
FBP' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.03  Med: 1.39 Max: 5.05
Current: 1.43
0.03
5.05
Price/Graham Number 0.71
FBP's Price/Graham Number is ranked higher than
67% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. FBP: 0.71 )
Ranked among companies with meaningful Price/Graham Number only.
FBP' s Price/Graham Number Range Over the Past 10 Years
Min: 0.14  Med: 0.98 Max: 1.83
Current: 0.71
0.14
1.83
Earnings Yield (Greenblatt) (%) 8.10
FBP's Earnings Yield (Greenblatt) (%) is ranked higher than
62% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. FBP: 8.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FBP' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.6  Med: 5.2 Max: 13.1
Current: 8.1
0.6
13.1
Forward Rate of Return (Yacktman) (%) 317.20
FBP's Forward Rate of Return (Yacktman) (%) is ranked higher than
99% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. FBP: 317.20 )
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: -4.7  Med: 134.2 Max: 874.7
Current: 317.2
-4.7
874.7

More Statistics

Revenue (TTM) (Mil) $575.8
EPS (TTM) $ 0.39
Beta2.20
Short Percentage of Float2.10%
52-Week Range $2.06 - 6.84
Shares Outstanding (Mil)217.42
» More Articles for FBP

Headlines

Articles On GuruFocus.com
Hotchkis & Wiley's Best Investments Year to Date Jul 15 2016 
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 

More From Other Websites
ETFs with exposure to First BanCorp (Puerto Rico) : December 2, 2016 Dec 02 2016
First BanCorp. Announces THL’s and Oaktree’s Pricing of Secondary Offering of 18 Million Shares Dec 01 2016
9:05 am First Bancorp prices a secondary offering of 18 mln shares at $5.60/share by selling... Nov 30 2016
First BanCorp. Announces THL’s and Oaktree’s Pricing of Secondary Offering of 18 Million Shares Nov 30 2016
First BanCorp. Announces that THL and Oaktree Commence Secondary Offering of 18 Million Shares Nov 29 2016
ETFs with exposure to First BanCorp (Puerto Rico) : November 18, 2016 Nov 18 2016
FIRST BANCORP /PR/ Financials Nov 17 2016
First BanCorp (Puerto Rico) :FBP-US: Earnings Analysis: Q3, 2016 By the Numbers : November 16, 2016 Nov 16 2016
FIRST BANCORP /PR/ Files SEC form 8-K, Results of Operations and Financial Condition, Regulation FD... Nov 16 2016
FIRST BANCORP /PR/ Files SEC form 10-Q, Quarterly Report Nov 09 2016
First BanCorp (Puerto Rico) breached its 50 day moving average in a Bearish Manner : FBP-US :... Nov 03 2016
Edited Transcript of FBP earnings conference call or presentation 25-Oct-16 2:00pm GMT Oct 25 2016
FIRST BANCORP /PR/ Files SEC form 8-K, Results of Operations and Financial Condition Oct 25 2016
First Bancorp posts 3Q profit Oct 25 2016
First BanCorp. Announces Earnings for the Quarter Ended September 30, 2016 Oct 25 2016
First BanCorp. Announces Earnings for the Quarter Ended September 30, 2016 Oct 25 2016
Q3 2016 First Bancorp Earnings Release - Before Market Open Oct 25 2016
FIRST BANCORP /PR/ Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Oct 24 2016
5 Value Picks to Beat an Overvalued Market Oct 13 2016

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