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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 0.48
FBP's Cash-to-Debt is ranked lower than
74% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.09 vs. FBP: 0.48 )
Ranked among companies with meaningful Cash-to-Debt only.
FBP' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.24 Max: 1.71
Current: 0.48
0.01
1.71
Equity-to-Asset 0.16
FBP's Equity-to-Asset is ranked higher than
85% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FBP: 0.16 )
Ranked among companies with meaningful Equity-to-Asset only.
FBP' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.08 Max: 0.16
Current: 0.16
0.04
0.16
Debt-to-Equity 0.48
FBP's Debt-to-Equity is ranked higher than
61% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. FBP: 0.48 )
Ranked among companies with meaningful Debt-to-Equity only.
FBP' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.32  Med: 0.83 Max: 3.84
Current: 0.48
0.32
3.84
Interest Coverage 1.34
FBP's Interest Coverage is ranked lower than
60% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.74 vs. FBP: 1.34 )
Ranked among companies with meaningful Interest Coverage only.
FBP' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 0.24 Max: 1.34
Current: 1.34
0.12
1.34
Beneish M-Score: -2.68
WACC vs ROIC
12.63%
4.90%
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 : 2/10

vs
industry
vs
history
Operating Margin % 22.42
FBP's Operating Margin % is ranked lower than
74% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. FBP: 22.42 )
Ranked among companies with meaningful Operating Margin % only.
FBP' s Operating Margin % Range Over the Past 10 Years
Min: -72.67  Med: 5.87 Max: 22.77
Current: 22.42
-72.67
22.77
Net Margin % 17.99
FBP's Net Margin % is ranked lower than
70% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.82 vs. FBP: 17.99 )
Ranked among companies with meaningful Net Margin % only.
FBP' s Net Margin % Range Over the Past 10 Years
Min: -90.46  Med: 4.74 Max: 67.7
Current: 17.99
-90.46
67.7
ROE % 5.52
FBP's ROE % is ranked lower than
73% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.56 vs. FBP: 5.52 )
Ranked among companies with meaningful ROE % only.
FBP' s ROE % Range Over the Past 10 Years
Min: -20.47  Med: 2.07 Max: 27.29
Current: 5.52
-20.47
27.29
ROA % 0.84
FBP's ROA % is ranked lower than
58% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. FBP: 0.84 )
Ranked among companies with meaningful ROA % only.
FBP' s ROA % Range Over the Past 10 Years
Min: -2.98  Med: 0.2 Max: 3.09
Current: 0.84
-2.98
3.09
3-Year Revenue Growth Rate 2.90
FBP's 3-Year Revenue Growth Rate is ranked lower than
58% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. FBP: 2.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
FBP' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -71.5  Med: 6 Max: 31.3
Current: 2.9
-71.5
31.3
GuruFocus has detected 1 Warning Sign with First BanCorp $FBP.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» FBP's 30-Y Financials

Financials (Next Earnings Date: 2017-10-25 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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
Q4 2016

FBP Guru Trades in Q4 2016

Paul Tudor Jones 107,576 sh (New)
Mario Gabelli 35,000 sh (New)
Steven Cohen 1,215,800 sh (+511.72%)
Charles Brandes 15,604 sh (+23.66%)
HOTCHKIS & WILEY 5,490,842 sh (-0.40%)
Jim Simons 308,713 sh (-16.06%)
Howard Marks 31,493,581 sh (-24.73%)
» More
Q1 2017

FBP Guru Trades in Q1 2017

Steven Cohen 2,226,770 sh (+83.15%)
Charles Brandes 19,506 sh (+25.01%)
Mario Gabelli 35,000 sh (unchged)
Jim Simons Sold Out
HOTCHKIS & WILEY 5,295,112 sh (-3.56%)
Howard Marks 20,001,066 sh (-36.49%)
Paul Tudor Jones 60,562 sh (-43.70%)
» More
Q2 2017

FBP Guru Trades in Q2 2017

Mario Gabelli 35,000 sh (unchged)
Howard Marks 20,001,066 sh (unchged)
Charles Brandes 19,506 sh (unchged)
Paul Tudor Jones Sold Out
HOTCHKIS & WILEY 5,268,266 sh (-0.51%)
Steven Cohen 1,910,700 sh (-14.19%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
HOTCHKIS & WILEY 2017-06-30 Reduce -0.51%$5.19 - $6.12 $ 5.53-1%5,268,266
HOTCHKIS & WILEY 2017-03-31 Reduce -3.56%0.01%$5.39 - $7 $ 5.53-13%5,295,112
Charles Brandes 2017-03-31 Add 25.01%$5.39 - $7 $ 5.53-13%19,506
HOTCHKIS & WILEY 2016-12-31 Reduce -0.40%$4.8 - $6.94 $ 5.53-6%5,490,842
Mario Gabelli 2016-12-31 New Buy$4.8 - $6.94 $ 5.53-6%35,000
Charles Brandes 2016-12-31 Add 23.66%$4.8 - $6.94 $ 5.53-6%15,604
HOTCHKIS & WILEY 2016-09-30 Reduce -0.34%$3.92 - $5.2 $ 5.5319%5,512,642
Charles Brandes 2016-09-30 Reduce -29.91%$3.92 - $5.2 $ 5.5319%12,618
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Preferred stocks of First BanCorp

SymbolPriceYieldDescription
FBPRM23.856.467.40% NonCumulative Perpetual Monthly Income Preferred Stock, Series C
FBPRP24.256.127.125% NonCumulative Perpetual Monthly Income Preferred Stock, Series A
FBPRN24.006.297.25% NonCumulative Perpetual Monthly Income Preferred Stock, Series D
FBPRL23.856.117.00% NonCumulative Perpetual Monthly Income Preferred Stock, Series E
FBPRO24.507.108.35% NonCumulative Perpetual Monthly Income Preferred Stock, Series B

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110 
Compare:NYSE:OFG, NAS:BPOP » details
Traded in other countries:OLWN.Germany,
Headquarter Location:
First BanCorp is a financial holding company. Its operating segments include Commercial and Corporate Banking; Consumer (Retail) Banking; Mortgage Banking; Treasury and Investments; United States Operations; and Virgin Islands Operations.

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 United States Virgin Islands and the British Virgin Islands. Its operations are divided into six segments, namely: Commercial and Corporate Banking; Consumer (Retail) Banking; Mortgage Banking; Treasury and Investments; United States Operations; and Virgin Islands Operations. It generates the majority of its revenue from Consumer (Retail) Banking segment.

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Ratios

vs
industry
vs
history
PE Ratio 12.02
FBP's PE Ratio is ranked higher than
56% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. FBP: 12.02 )
Ranked among companies with meaningful PE Ratio only.
FBP' s PE Ratio Range Over the Past 10 Years
Min: 0.59  Med: 13.56 Max: 46.11
Current: 12.02
0.59
46.11
PE Ratio without NRI 12.02
FBP's PE Ratio without NRI is ranked higher than
56% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. FBP: 12.02 )
Ranked among companies with meaningful PE Ratio without NRI only.
FBP' s PE Ratio without NRI Range Over the Past 10 Years
Min: 0.59  Med: 13.56 Max: 46.11
Current: 12.02
0.59
46.11
Price-to-Owner-Earnings 8.48
FBP's Price-to-Owner-Earnings is ranked higher than
62% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. FBP: 8.48 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FBP' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.52  Med: 13.27 Max: 1284.88
Current: 8.48
6.52
1284.88
PB Ratio 0.69
FBP's PB Ratio is ranked higher than
80% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FBP: 0.69 )
Ranked among companies with meaningful PB Ratio only.
FBP' s PB Ratio Range Over the Past 10 Years
Min: 0.08  Med: 0.67 Max: 1.58
Current: 0.69
0.08
1.58
PS Ratio 2.13
FBP's PS Ratio is ranked higher than
73% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. FBP: 2.13 )
Ranked among companies with meaningful PS Ratio only.
FBP' s PS Ratio Range Over the Past 10 Years
Min: 0.05  Med: 1.6 Max: 3.57
Current: 2.13
0.05
3.57
Price-to-Free-Cash-Flow 5.02
FBP's Price-to-Free-Cash-Flow is ranked higher than
69% of the 856 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. FBP: 5.02 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FBP' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.18  Med: 3.97 Max: 35.16
Current: 5.02
0.18
35.16
Price-to-Operating-Cash-Flow 4.81
FBP's Price-to-Operating-Cash-Flow is ranked higher than
68% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.46 vs. FBP: 4.81 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FBP' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.15  Med: 3.63 Max: 18.2
Current: 4.81
0.15
18.2
EV-to-EBIT 13.36
FBP's EV-to-EBIT is ranked lower than
57% of the 1241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. FBP: 13.36 )
Ranked among companies with meaningful EV-to-EBIT only.
FBP' s EV-to-EBIT Range Over the Past 10 Years
Min: -49.3  Med: 10.6 Max: 144
Current: 13.36
-49.3
144
EV-to-EBITDA 11.42
FBP's EV-to-EBITDA is ranked lower than
53% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.98 vs. FBP: 11.42 )
Ranked among companies with meaningful EV-to-EBITDA only.
FBP' s EV-to-EBITDA Range Over the Past 10 Years
Min: -80.1  Med: 8.35 Max: 317.2
Current: 11.42
-80.1
317.2
EV-to-Revenue 3.00
FBP's EV-to-Revenue is ranked higher than
62% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.86 vs. FBP: 3.00 )
Ranked among companies with meaningful EV-to-Revenue only.
FBP' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.4  Med: 2.1 Max: 7.1
Current: 3
0.4
7.1

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -1.60
FBP's 3-Year Average Share Buyback Ratio is ranked higher than
52% of the 1065 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. FBP: -1.60 )
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: -1.6
-222.1
4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.65
FBP's Price-to-Tangible-Book is ranked higher than
81% of the 1573 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. FBP: 0.65 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FBP' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.1  Med: 1.37 Max: 3.92
Current: 0.65
0.1
3.92
Price-to-Intrinsic-Value-Projected-FCF 0.32
FBP's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
85% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. FBP: 0.32 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FBP' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.02  Med: 0.41 Max: 7.41
Current: 0.32
0.02
7.41
Price-to-Median-PS-Value 1.33
FBP's Price-to-Median-PS-Value is ranked lower than
74% of the 1527 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. FBP: 1.33 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FBP' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.03  Med: 1.37 Max: 4.61
Current: 1.33
0.03
4.61
Price-to-Graham-Number 0.59
FBP's Price-to-Graham-Number is ranked higher than
73% of the 1414 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. FBP: 0.59 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FBP' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.14  Med: 0.93 Max: 1.83
Current: 0.59
0.14
1.83
Earnings Yield (Greenblatt) % 7.51
FBP's Earnings Yield (Greenblatt) % is ranked higher than
57% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.91 vs. FBP: 7.51 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FBP' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -76.5  Med: 3 Max: 13.1
Current: 7.51
-76.5
13.1
Forward Rate of Return (Yacktman) % 457.30
FBP's Forward Rate of Return (Yacktman) % is ranked higher than
99% of the 934 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.21 vs. FBP: 457.30 )
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: 1.3  Med: 167.05 Max: 874.7
Current: 457.3
1.3
874.7

More Statistics

Revenue (TTM) (Mil) $564.19
EPS (TTM) $ 0.46
Beta2.06
Short Percentage of Float1.85%
52-Week Range $4.78 - 7.05
Shares Outstanding (Mil)215.99
» More Articles for FBP

Headlines

Articles On GuruFocus.com
Howard Marks Buys Texas Oil and Gas Company on Jump in Proved Reserves Feb 07 2017 
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 

More From Other Websites
First BanCorp. Announces Payment of Dividends on Preferred Stock Sep 11 2017
First BanCorp (Puerto Rico) – Value Analysis (NYSE:FBP) : August 21, 2017 Aug 21 2017
Edited Transcript of FBP earnings conference call or presentation 28-Jul-17 2:00pm GMT Aug 11 2017
First BanCorp (Puerto Rico) breached its 50 day moving average in a Bearish Manner : FBP-US : August... Aug 09 2017
First BanCorp. Announces that THL and Oaktree Price Secondary Offering of 20 Million Shares Aug 03 2017
First BanCorp. Announces that THL and Oaktree Commence Secondary Offering of 20 Million Shares Aug 02 2017
First BanCorp. Announces Earnings for the Quarter Ended June 30, 2017 Jul 28 2017
Investor Network: First Bancorp to Host Earnings Call Jul 28 2017
First BanCorp to Announce 2Q 2017 Results and Hold Conference Call on July 28, 2017 Jul 12 2017
First BanCorp (Puerto Rico) breached its 50 day moving average in a Bearish Manner : FBP-US : June... Jun 22 2017
ETFs with exposure to First BanCorp (Puerto Rico) : June 15, 2017 Jun 15 2017
First BanCorp (Puerto Rico) breached its 50 day moving average in a Bullish Manner : FBP-US : June... Jun 12 2017
First BanCorp (Puerto Rico) :FBP-US: Earnings Analysis: Q1, 2017 By the Numbers : May 31, 2017 May 31 2017
First BanCorp (Puerto Rico) breached its 50 day moving average in a Bearish Manner : FBP-US : May... May 11 2017
Edited Transcript of FBP earnings conference call or presentation 25-Apr-17 2:00pm GMT May 02 2017
First BanCorp (Puerto Rico) breached its 50 day moving average in a Bullish Manner : FBP-US : April... Apr 27 2017

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