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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.93
FBPRM's Cash to Debt is ranked lower than
63% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.13 vs. FBPRM: 0.93 )
Ranked among companies with meaningful Cash to Debt only.
FBPRM' s Cash to Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.25 Max: 1.71
Current: 0.93
0.01
1.71
Equity to Asset 0.14
FBPRM's Equity to Asset is ranked higher than
81% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FBPRM: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
FBPRM' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.08 Max: 0.14
Current: 0.14
0.06
0.14
Interest Coverage 0.93
FBPRM's Interest Coverage is ranked lower than
66% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. FBPRM: 0.93 )
Ranked among companies with meaningful Interest Coverage only.
FBPRM' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 0.17 Max: 0.93
Current: 0.93
0.12
0.93
F-Score: 3
M-Score: -2.69
WACC vs ROIC
26.08%
5.02%
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 (%) 16.78
FBPRM's Operating margin (%) is ranked lower than
79% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.84 vs. FBPRM: 16.78 )
Ranked among companies with meaningful Operating margin (%) only.
FBPRM' s Operating margin (%) Range Over the Past 10 Years
Min: -72.67  Med: 5.87 Max: 22.69
Current: 16.78
-72.67
22.69
Net-margin (%) 13.04
FBPRM's Net-margin (%) is ranked lower than
77% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.27 vs. FBPRM: 13.04 )
Ranked among companies with meaningful Net-margin (%) only.
FBPRM' s Net-margin (%) Range Over the Past 10 Years
Min: -90.46  Med: 4.74 Max: 67.7
Current: 13.04
-90.46
67.7
ROE (%) 4.36
FBPRM's ROE (%) is ranked lower than
77% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.34 vs. FBPRM: 4.36 )
Ranked among companies with meaningful ROE (%) only.
FBPRM' s ROE (%) Range Over the Past 10 Years
Min: -20.47  Med: 2.07 Max: 27.29
Current: 4.36
-20.47
27.29
ROA (%) 0.59
FBPRM's ROA (%) is ranked lower than
68% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. FBPRM: 0.59 )
Ranked among companies with meaningful ROA (%) only.
FBPRM' s ROA (%) Range Over the Past 10 Years
Min: -2.98  Med: 0.2 Max: 3.09
Current: 0.59
-2.98
3.09
Revenue Growth (3Y)(%) 3.30
FBPRM's Revenue Growth (3Y)(%) is ranked higher than
51% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. FBPRM: 3.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FBPRM' 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
FBPRM's EBITDA Growth (3Y)(%) is ranked lower than
81% of the 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. FBPRM: -6.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FBPRM' 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
FBPRM's EPS Growth (3Y)(%) is ranked lower than
84% of the 1213 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FBPRM: -10.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FBPRM' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -58  Med: -5.45 Max: 28.4
Current: -10.6
-58
28.4
» FBPRM's 10-Y Financials

Financials (Next Earnings Date: 2016-10-25)


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

» Details

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Preferred stocks of First BanCorp

SymbolPriceYieldDescription
FBPRM20.250.007.40% NonCumulative Perpetual Monthly Income Preferred Stock, Series C
FBPRP19.050.007.125% NonCumulative Perpetual Monthly Income Preferred Stock, Series A
FBPRN21.250.007.25% NonCumulative Perpetual Monthly Income Preferred Stock, Series D
FBPRL20.500.007.00% NonCumulative Perpetual Monthly Income Preferred Stock, Series E
FBPRO20.500.008.35% NonCumulative Perpetual Monthly Income Preferred Stock, Series B

Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:TDBK, NAS:OPHC, OTCPK:MFBP, OTCPK:ALBY, OTCPK:BTHT, OTCPK:CSHB, OTCPK:HWIS, OTCPK:CRSB, OTCBB:SUGR, OTCPK:DLNO, OTCPK:DCBB, OTCPK:MWBC, OTCPK:NJCB, OTCPK:FCNH, OTCPK:CNRB, OTCPK:FRSB, OTCPK:CZBS, OTCPK:CROL, OTCBB:CNNB, OTCPK:OJCB » details
Traded in other countries:OLWN.Germany, FBP.USA,
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

Ratios

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industry
vs
history
P/E(ttm) 13.66
FBPRM's P/E(ttm) is ranked lower than
55% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.26 vs. FBPRM: 13.66 )
Ranked among companies with meaningful P/E(ttm) only.
FBPRM' s P/E(ttm) Range Over the Past 10 Years
Min: 0.59  Med: 14.15 Max: 46.11
Current: 13.66
0.59
46.11
PE(NRI) 13.66
FBPRM's PE(NRI) is ranked lower than
55% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.28 vs. FBPRM: 13.66 )
Ranked among companies with meaningful PE(NRI) only.
FBPRM' s PE(NRI) Range Over the Past 10 Years
Min: 0.59  Med: 14.15 Max: 46.11
Current: 13.66
0.59
46.11
Price/Owner Earnings (ttm) 12.79
FBPRM's Price/Owner Earnings (ttm) is ranked lower than
53% of the 859 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.81 vs. FBPRM: 12.79 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FBPRM' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.95  Med: 13.37 Max: 1275
Current: 12.79
4.95
1275
P/B 0.60
FBPRM's P/B is ranked higher than
80% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. FBPRM: 0.60 )
Ranked among companies with meaningful P/B only.
FBPRM' s P/B Range Over the Past 10 Years
Min: 0.08  Med: 0.74 Max: 1.94
Current: 0.6
0.08
1.94
P/S 1.78
FBPRM's P/S is ranked higher than
75% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. FBPRM: 1.78 )
Ranked among companies with meaningful P/S only.
FBPRM' s P/S Range Over the Past 10 Years
Min: 0.05  Med: 1.55 Max: 3.56
Current: 1.78
0.05
3.56
PFCF 5.11
FBPRM's PFCF is ranked higher than
71% of the 817 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. FBPRM: 5.11 )
Ranked among companies with meaningful PFCF only.
FBPRM' s PFCF Range Over the Past 10 Years
Min: 0.18  Med: 3.84 Max: 33.71
Current: 5.11
0.18
33.71
POCF 4.84
FBPRM's POCF is ranked higher than
69% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.22 vs. FBPRM: 4.84 )
Ranked among companies with meaningful POCF only.
FBPRM' s POCF Range Over the Past 10 Years
Min: 0.15  Med: 3.41 Max: 17.7
Current: 4.84
0.15
17.7

Buy Back

vs
industry
vs
history
Yield on cost (5-Year) 7.00
FBPRM's Yield on cost (5-Year) is ranked lower than
100% of the 2538 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. FBPRM: 7.00 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FBPRM' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 7
3-Year Average Share Buyback Ratio -1.40
FBPRM's 3-Year Average Share Buyback Ratio is ranked higher than
54% of the 1052 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. FBPRM: -1.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FBPRM' 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
Forward Rate of Return (Yacktman) (%) 384.81
FBPRM's Forward Rate of Return (Yacktman) (%) is ranked higher than
99% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.66 vs. FBPRM: 384.81 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FBPRM' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -4.7  Med: 129.4 Max: 874.7
Current: 384.81
-4.7
874.7

More Statistics

Beta0.74
Short Percentage of Float0.00%
52-Week Range $10.50 - 21.00

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