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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 : 6/10

vs
industry
vs
history
Cash to Debt 1.38
FBPRM's Cash to Debt is ranked lower than
51% of the 966 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.47 vs. FBPRM: 1.38 )
Ranked among companies with meaningful Cash to Debt only.
FBPRM' s 10-Year Cash to Debt Range
Min: 0  Med: 0.17 Max: N/A
Current: 1.38
Equity to Asset 0.13
FBPRM's Equity to Asset is ranked higher than
75% of the 1319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FBPRM: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
FBPRM' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.08 Max: 0.13
Current: 0.13
0.06
0.13
Interest Coverage 0.79
FBPRM's Interest Coverage is ranked lower than
70% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. FBPRM: 0.79 )
Ranked among companies with meaningful Interest Coverage only.
FBPRM' s 10-Year Interest Coverage Range
Min: 0.13  Med: 0.38 Max: 0.79
Current: 0.79
0.13
0.79
F-Score: 4
WACC vs ROIC
32.91%
34.86%
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 (%) 18.04
FBPRM's Operating margin (%) is ranked lower than
76% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. FBPRM: 18.04 )
Ranked among companies with meaningful Operating margin (%) only.
FBPRM' s 10-Year Operating margin (%) Range
Min: -72.67  Med: 26.16 Max: 48.97
Current: 18.04
-72.67
48.97
Net-margin (%) 67.36
FBPRM's Net-margin (%) is ranked higher than
96% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. FBPRM: 67.36 )
Ranked among companies with meaningful Net-margin (%) only.
FBPRM' s 10-Year Net-margin (%) Range
Min: -90.46  Med: 23.13 Max: 67.7
Current: 67.36
-90.46
67.7
ROE (%) 27.59
FBPRM's ROE (%) is ranked higher than
96% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.41 vs. FBPRM: 27.59 )
Ranked among companies with meaningful ROE (%) only.
FBPRM' s 10-Year ROE (%) Range
Min: -39.47  Med: 12.70 Max: 27.17
Current: 27.59
-39.47
27.17
ROA (%) 3.14
FBPRM's ROA (%) is ranked higher than
93% of the 1392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. FBPRM: 3.14 )
Ranked among companies with meaningful ROA (%) only.
FBPRM' s 10-Year ROA (%) Range
Min: -2.98  Med: 1.07 Max: 3.09
Current: 3.14
-2.98
3.09
ROC (Joel Greenblatt) (%) 63.83
FBPRM's ROC (Joel Greenblatt) (%) is ranked lower than
56% of the 1374 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. FBPRM: 63.83 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FBPRM' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -133.33  Med: 38.24 Max: 203.67
Current: 63.83
-133.33
203.67
Revenue Growth (3Y)(%) -21.10
FBPRM's Revenue Growth (3Y)(%) is ranked lower than
93% of the 1170 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. FBPRM: -21.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FBPRM' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 4.40 Max: 31.3
Current: -21.1
0
31.3
EPS Growth (3Y)(%) -1.00
FBPRM's EPS Growth (3Y)(%) is ranked lower than
73% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. FBPRM: -1.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FBPRM' s 10-Year EPS Growth (3Y)(%) Range
Min: -58  Med: 1.15 Max: 28.4
Current: -1
-58
28.4
» FBPRM's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2013

FBPRM Guru Trades in Q2 2013

Arnold Schneider 37,607 sh (unchged)
» More
Q3 2013

FBPRM Guru Trades in Q3 2013

Arnold Schneider 37,607 sh (unchged)
» More
Q4 2013

FBPRM Guru Trades in Q4 2013

Arnold Schneider 37,607 sh (unchged)
» More
Q1 2014

FBPRM Guru Trades in Q1 2014

Arnold Schneider Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with FBPRM

(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
FBPRM21.005.107.40% NonCumulative Perpetual Monthly Income Preferred Stock, Series C
FBPRP20.500.007.125% NonCumulative Perpetual Monthly Income Preferred Stock, Series A
FBPRN22.250.007.25% NonCumulative Perpetual Monthly Income Preferred Stock, Series D
FBPRL19.010.007.00% NonCumulative Perpetual Monthly Income Preferred Stock, Series E
FBPRO21.000.008.35% NonCumulative Perpetual Monthly Income Preferred Stock, Series B

Ratios

vs
industry
vs
history
P/E(ttm) 2.50
FBPRM's P/E(ttm) is ranked higher than
98% of the 1245 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. FBPRM: 2.50 )
Ranked among companies with meaningful P/E(ttm) only.
FBPRM' s 10-Year P/E(ttm) Range
Min: 2.5  Med: 15.67 Max: 45.65
Current: 2.5
2.5
45.65
Forward P/E 21.19
FBPRM's Forward P/E is ranked lower than
94% of the 707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. FBPRM: 21.19 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 2.50
FBPRM's PE(NRI) is ranked higher than
98% of the 1242 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. FBPRM: 2.50 )
Ranked among companies with meaningful PE(NRI) only.
FBPRM' s 10-Year PE(NRI) Range
Min: 0.94  Med: 15.44 Max: 45.66
Current: 2.5
0.94
45.66
P/B 0.61
FBPRM's P/B is ranked higher than
84% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FBPRM: 0.61 )
Ranked among companies with meaningful P/B only.
FBPRM' s 10-Year P/B Range
Min: 0.08  Med: 0.86 Max: 3.99
Current: 0.61
0.08
3.99
P/S 1.69
FBPRM's P/S is ranked higher than
80% of the 1367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.97 vs. FBPRM: 1.69 )
Ranked among companies with meaningful P/S only.
FBPRM' s 10-Year P/S Range
Min: 0.05  Med: 1.90 Max: 5.83
Current: 1.69
0.05
5.83
PFCF 4.02
FBPRM's PFCF is ranked higher than
75% of the 801 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.49 vs. FBPRM: 4.02 )
Ranked among companies with meaningful PFCF only.
FBPRM' s 10-Year PFCF Range
Min: 0.18  Med: 4.62 Max: 95.55
Current: 4.02
0.18
95.55
POCF 3.79
FBPRM's POCF is ranked higher than
75% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.73 vs. FBPRM: 3.79 )
Ranked among companies with meaningful POCF only.
FBPRM' s 10-Year POCF Range
Min: 0.15  Med: 3.60 Max: 41.74
Current: 3.79
0.15
41.74
EV-to-EBIT 5.79
FBPRM's EV-to-EBIT is ranked higher than
88% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.11 vs. FBPRM: 5.79 )
Ranked among companies with meaningful EV-to-EBIT only.
FBPRM' s 10-Year EV-to-EBIT Range
Min: -49.3  Med: 9.20 Max: 144.1
Current: 5.79
-49.3
144.1
Days Sales Outstanding 30.24
FBPRM's Days Sales Outstanding is ranked higher than
56% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.05 vs. FBPRM: 30.24 )
Ranked among companies with meaningful Days Sales Outstanding only.
FBPRM' s 10-Year Days Sales Outstanding Range
Min: 17.4  Med: 39.47 Max: 83.15
Current: 30.24
17.4
83.15

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 5.10
FBPRM's Dividend Yield is ranked lower than
103% of the 2188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.63 vs. FBPRM: 5.10 )
Ranked among companies with meaningful Dividend Yield only.
FBPRM' s 10-Year Dividend Yield Range
Min: 0.75  Med: 2.79 Max: 13.46
Current: 5.1
0.75
13.46
Yield on cost (5-Year) 5.10
FBPRM's Yield on cost (5-Year) is ranked lower than
104% of the 2173 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.04 vs. FBPRM: 5.10 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FBPRM' s 10-Year Yield on cost (5-Year) Range
Min: 0  Med: 0.00 Max: 0
Current: 5.1
Share Buyback Rate -32.90
FBPRM's Share Buyback Rate is ranked lower than
95% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. FBPRM: -32.90 )
Ranked among companies with meaningful Share Buyback Rate only.
FBPRM' s 10-Year Share Buyback Rate Range
Min: 13.1  Med: -3.40 Max: -222
Current: -32.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.61
FBPRM's Price/Tangible Book is ranked higher than
84% of the 1329 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. FBPRM: 0.61 )
Ranked among companies with meaningful Price/Tangible Book only.
FBPRM' s 10-Year Price/Tangible Book Range
Min: 0.1  Med: 1.84 Max: 3.92
Current: 0.61
0.1
3.92
Price/Projected FCF 0.29
FBPRM's Price/Projected FCF is ranked higher than
87% of the 759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. FBPRM: 0.29 )
Ranked among companies with meaningful Price/Projected FCF only.
FBPRM' s 10-Year Price/Projected FCF Range
Min: 0.02  Med: 0.41 Max: 1.18
Current: 0.29
0.02
1.18
Price/Median PS Value 0.89
FBPRM's Price/Median PS Value is ranked higher than
79% of the 1232 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. FBPRM: 0.89 )
Ranked among companies with meaningful Price/Median PS Value only.
FBPRM' s 10-Year Price/Median PS Value Range
Min: 0.03  Med: 1.25 Max: 4.12
Current: 0.89
0.03
4.12
Price/Graham Number 0.26
FBPRM's Price/Graham Number is ranked higher than
97% of the 1122 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FBPRM: 0.26 )
Ranked among companies with meaningful Price/Graham Number only.
FBPRM' s 10-Year Price/Graham Number Range
Min: 0.19  Med: 0.77 Max: 7.89
Current: 0.26
0.19
7.89
Earnings Yield (Greenblatt) (%) 17.30
FBPRM's Earnings Yield (Greenblatt) (%) is ranked higher than
89% of the 1343 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. FBPRM: 17.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FBPRM' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.7  Med: 4.95 Max: 25
Current: 17.3
0.7
25
Forward Rate of Return (Yacktman) (%) 352.72
FBPRM's Forward Rate of Return (Yacktman) (%) is ranked higher than
98% of the 758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.31 vs. FBPRM: 352.72 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FBPRM' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -16.3  Med: 80.90 Max: 874.7
Current: 352.72
-16.3
874.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:FBP.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 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

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