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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 1.55
FBP's Cash to Debt is ranked higher than
74% of the 1254 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. FBP: 1.55 )
FBP' s 10-Year Cash to Debt Range
Min: 0   Max: No Debt
Current: 1.55

Equity to Asset 0.10
FBP's Equity to Asset is ranked higher than
71% of the 1643 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FBP: 0.10 )
FBP' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.11
Current: 0.1

0.05
0.11
F-Score: 3
Z-Score: 0.08
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 (%) -31.90
FBP's Operating margin (%) is ranked lower than
54% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. FBP: -31.90 )
FBP' s 10-Year Operating margin (%) Range
Min: -72.67   Max: 48.97
Current: -31.9

-72.67
48.97
Net-margin (%) -32.93
FBP's Net-margin (%) is ranked lower than
54% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. FBP: -32.93 )
FBP' s 10-Year Net-margin (%) Range
Min: -90.46   Max: 38.79
Current: -32.93

-90.46
38.79
ROE (%) -13.53
FBP's ROE (%) is ranked lower than
53% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. FBP: -13.53 )
FBP' s 10-Year ROE (%) Range
Min: -49.56   Max: 28.68
Current: -13.53

-49.56
28.68
ROA (%) -1.30
FBP's ROA (%) is ranked lower than
54% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. FBP: -1.30 )
FBP' s 10-Year ROA (%) Range
Min: -3.36   Max: 2.02
Current: -1.3

-3.36
2.02
ROC (Joel Greenblatt) (%) -95.43
FBP's ROC (Joel Greenblatt) (%) is ranked lower than
54% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.99 vs. FBP: -95.43 )
FBP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -201.5   Max: 162.56
Current: -95.43

-201.5
162.56
Revenue Growth (%) -63.80
FBP's Revenue Growth (%) is ranked lower than
53% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FBP: -63.80 )
FBP' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 31.3
Current: -63.8

0
31.3
EBITDA Growth (%) -73.80
FBP's EBITDA Growth (%) is ranked lower than
51% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. FBP: -73.80 )
FBP' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 42.9
Current: -73.8

0
42.9
EPS Growth (%) -58.00
FBP's EPS Growth (%) is ranked higher than
50% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. FBP: -58.00 )
FBP' s 10-Year EPS Growth (%) Range
Min: -58   Max: 28.4
Current: -58

-58
28.4
» FBP's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2013

FBP Guru Trades in Q2 2013

Steven Cohen 15,070 sh (New)
Howard Marks 50,684,485 sh (unchged)
Jim Simons 316,543 sh (-40.45%)
Arnold Schneider 15,679 sh (-97.54%)
» More
Q3 2013

FBP Guru Trades in Q3 2013

Paul Tudor Jones 23,100 sh (New)
Steven Cohen 34,875 sh (+131.42%)
Arnold Schneider Sold Out
Howard Marks 41,843,581 sh (-17.44%)
Jim Simons 54,713 sh (-82.72%)
» More
Q4 2013

FBP Guru Trades in Q4 2013

Paul Tudor Jones 50,928 sh (+120.47%)
Howard Marks 41,843,581 sh (unchged)
Jim Simons Sold Out
Steven Cohen 23,522 sh (-32.55%)
» More
Q1 2014

FBP Guru Trades in Q1 2014

Arnold Schneider 185,452 sh (New)
Steven Cohen 38,456 sh (+63.49%)
Howard Marks 41,843,581 sh (unchged)
Paul Tudor Jones Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with FBP



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of First BanCorp

SymbolPriceYieldDescription
FBPRM20.006.207.40% NonCumulative Perpetual Monthly Income Preferred Stock, Series C
FBPRP21.000.007.125% NonCumulative Perpetual Monthly Income Preferred Stock, Series A
FBPRN19.760.007.25% NonCumulative Perpetual Monthly Income Preferred Stock, Series D
FBPRL20.110.007.00% NonCumulative Perpetual Monthly Income Preferred Stock, Series E
FBPRO21.000.008.35% NonCumulative Perpetual Monthly Income Preferred Stock, Series B

Top Ranked Articles about First BanCorp

Howard Marks Update – Oaktree Capital Sells
The third quarter portfolio of Oaktree Capital, led by chairman Howard Marks, lists 77 stocks, 9 of them new, and a total value at $5.2 billion. The quarter-over-quarter turnover is 9%. The portfolio is weighted with financial services at 8.6%, energy at 6% and consumer cyclical at 3.9%. Guru Howard Marks has averaged a return of 8.1% over 12 months. Read more...
Top 5 Holdings of Howard Marks
Since the formation of Oaktree in 1995, Guru Howard Marks has been responsible for ensuring the firm's adherence to its core investment philosophy, communicating closely with clients concerning products and strategies, and managing the firm. Oaktree’s mission is to provide highly professional management with a primary emphasis on risk control in a limited number of sophisticated investment specialties. Read more...

Ratios

vs
industry
vs
history
P/B 0.90
FBP's P/B is ranked higher than
83% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FBP: 0.90 )
FBP' s 10-Year P/B Range
Min: 0.08   Max: 3.99
Current: 0.9

0.08
3.99
P/S 2.20
FBP's P/S is ranked higher than
83% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. FBP: 2.20 )
FBP' s 10-Year P/S Range
Min: 0.05   Max: 7.07
Current: 2.2

0.05
7.07
PFCF 2.90
FBP's PFCF is ranked higher than
92% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.86 vs. FBP: 2.90 )
FBP' s 10-Year PFCF Range
Min: 0.18   Max: 31.55
Current: 2.9

0.18
31.55
EV-to-EBIT -11.87
FBP's EV-to-EBIT is ranked lower than
53% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.41 vs. FBP: -11.87 )
FBP' s 10-Year EV-to-EBIT Range
Min: 7.4   Max: 144.1
Current: -11.87

7.4
144.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
FBP's Price/Tangible Book is ranked higher than
85% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. FBP: 0.90 )
FBP' s 10-Year Price/Tangible Book Range
Min: 0.1   Max: 3.92
Current: 0.9

0.1
3.92
Price/DCF (Projected) 0.40
FBP's Price/DCF (Projected) is ranked higher than
95% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.56 vs. FBP: 0.40 )
FBP' s 10-Year Price/DCF (Projected) Range
Min: 0.02   Max: 1.07
Current: 0.4

0.02
1.07
Price/Median PS Value 1.10
FBP's Price/Median PS Value is ranked higher than
73% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. FBP: 1.10 )
FBP' s 10-Year Price/Median PS Value Range
Min: 0.03   Max: 4.01
Current: 1.1

0.03
4.01
Earnings Yield (Greenblatt) 3.80
FBP's Earnings Yield (Greenblatt) is ranked higher than
56% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FBP: 3.80 )
FBP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.7   Max: 13.6
Current: 3.8

0.7
13.6
Forward Rate of Return (Yacktman) 258.37
FBP's Forward Rate of Return (Yacktman) is ranked higher than
99% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.45 vs. FBP: 258.37 )
FBP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6.4   Max: 573.3
Current: 258.37

6.4
573.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:FBPRM.USA, FBPRP.USA, FBPRN.USA, FBPRL.USA, FBPRO.USA, OLWN.Germany
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 a range of 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 ('retail CDs'), 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 un
» More Articles for NYSE:FBP

Headlines

Articles On GuruFocus.com
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 
First BanCorp. Reports Operating Results (10-Q) Aug 09 2010 
First BanCorp. Reports Operating Results (10-Q) May 10 2010 

More From Other Websites
First BanCorp to Announce 2Q 2014 Results and Hold Conference Call on July 30, 2014 Jul 22 2014
First BanCorp to Announce 2Q 2014 Results and Hold Conference Call on July 30, 2014 Jul 22 2014
Puerto Rican legislation positive for banks, says Sterne Agee Jul 02 2014
FIRST BANCORP /PR/ Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Jun 23 2014
Popular's Credit Is Getting Better Faster Than Its Market's Jun 19 2014
FIRST BANCORP /PR/ Files SEC form 8-K, Unregistered Sale of Equity Securities Jun 12 2014
First BanCorp: Down 96.4% Since '07, Poised For A Recovery? Jun 12 2014
First Bancorp (FBP) Jumps: Stock Rises 5.9% Jun 04 2014
FIRST BANCORP /PR/ Files SEC form 8-K, Other Events Jun 02 2014
FIRST BANCORP /PR/ Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 29 2014
FIRST BANCORP /PR/ Files SEC form 8-K, Other Events May 21 2014
FIRST BANCORP /PR/ Financials May 20 2014
FIRST BANCORP /PR/ Files SEC form 10-Q, Quarterly Report May 12 2014
FIRST BANCORP /PR/ Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits May 06 2014
In Puerto Rico, Maximum Pessimism Nears May 02 2014
How To Play The Puerto Rican Economic Recovery Apr 30 2014
First BanCorp's CEO Discusses Q1 2014 Results - Earnings Call Transcript Apr 26 2014
FIRST BANCORP /PR/ Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 25 2014
First BanCorp. Announces Earnings for the Quarter Ended March 31, 2014 Apr 24 2014

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