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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 0.48
OTCPK:FBPRM'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. OTCPK:FBPRM: 0.48 )
Ranked among companies with meaningful Cash-to-Debt only.
OTCPK:FBPRM' 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
OTCPK:FBPRM'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. OTCPK:FBPRM: 0.16 )
Ranked among companies with meaningful Equity-to-Asset only.
OTCPK:FBPRM' 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
OTCPK:FBPRM'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. OTCPK:FBPRM: 0.48 )
Ranked among companies with meaningful Debt-to-Equity only.
OTCPK:FBPRM' 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
OTCPK:FBPRM's Interest Coverage is ranked lower than
60% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.74 vs. OTCPK:FBPRM: 1.34 )
Ranked among companies with meaningful Interest Coverage only.
OTCPK:FBPRM' 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
OTCPK:FBPRM's Operating Margin % is ranked lower than
74% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. OTCPK:FBPRM: 22.42 )
Ranked among companies with meaningful Operating Margin % only.
OTCPK:FBPRM' 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
OTCPK:FBPRM's Net Margin % is ranked lower than
70% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.82 vs. OTCPK:FBPRM: 17.99 )
Ranked among companies with meaningful Net Margin % only.
OTCPK:FBPRM' 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
OTCPK:FBPRM's ROE % is ranked lower than
73% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.56 vs. OTCPK:FBPRM: 5.52 )
Ranked among companies with meaningful ROE % only.
OTCPK:FBPRM' 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
OTCPK:FBPRM's ROA % is ranked lower than
58% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. OTCPK:FBPRM: 0.84 )
Ranked among companies with meaningful ROA % only.
OTCPK:FBPRM' 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
OTCPK:FBPRM'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. OTCPK:FBPRM: 2.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
OTCPK:FBPRM' 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 $OTCPK:FBPRM.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» OTCPK:FBPRM'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

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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
FBPRN23.956.317.25% NonCumulative Perpetual Monthly Income Preferred Stock, Series D
FBPRL23.856.117.00% NonCumulative Perpetual Monthly Income Preferred Stock, Series E
FBPRO24.377.148.35% 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, FBP.USA,
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 12.30
FBPRM's PE Ratio is ranked higher than
56% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. FBPRM: 12.30 )
Ranked among companies with meaningful PE Ratio only.
FBPRM' s PE Ratio Range Over the Past 10 Years
Min: 0.59  Med: 13.56 Max: 46.11
Current: 12.3
0.59
46.11
PE Ratio without NRI 12.30
FBPRM'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. FBPRM: 12.30 )
Ranked among companies with meaningful PE Ratio without NRI only.
FBPRM' s PE Ratio without NRI Range Over the Past 10 Years
Min: 0.59  Med: 13.56 Max: 46.11
Current: 12.3
0.59
46.11
Price-to-Owner-Earnings 8.70
FBPRM'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. FBPRM: 8.70 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FBPRM' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.52  Med: 13.27 Max: 1284.88
Current: 8.7
6.52
1284.88
PB Ratio 0.68
FBPRM's PB Ratio is ranked higher than
80% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FBPRM: 0.68 )
Ranked among companies with meaningful PB Ratio only.
FBPRM' s PB Ratio Range Over the Past 10 Years
Min: 0.08  Med: 0.67 Max: 1.58
Current: 0.68
0.08
1.58
PS Ratio 2.18
FBPRM's PS Ratio is ranked higher than
73% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. FBPRM: 2.18 )
Ranked among companies with meaningful PS Ratio only.
FBPRM' s PS Ratio Range Over the Past 10 Years
Min: 0.05  Med: 1.6 Max: 3.57
Current: 2.18
0.05
3.57
Price-to-Free-Cash-Flow 5.16
FBPRM'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. FBPRM: 5.16 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FBPRM' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.18  Med: 3.97 Max: 35.16
Current: 5.16
0.18
35.16
Price-to-Operating-Cash-Flow 4.94
FBPRM'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. FBPRM: 4.94 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FBPRM' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.15  Med: 3.63 Max: 18.2
Current: 4.94
0.15
18.2

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 6.46
FBPRM's Dividend Yield % is ranked lower than
99.99% of the 2354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. FBPRM: 6.46 )
Ranked among companies with meaningful Dividend Yield % only.
FBPRM' s Dividend Yield % Range Over the Past 10 Years
Min: 2.1  Med: 3.04 Max: 13.46
Current: 6.46
2.1
13.46
Forward Dividend Yield % 7.71
FBPRM's Forward Dividend Yield % is ranked lower than
99.99% of the 2231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. FBPRM: 7.71 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 6.46
FBPRM's 5-Year Yield-on-Cost % is ranked lower than
100% of the 2778 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.98 vs. FBPRM: 6.46 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
FBPRM' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.1  Med: 3.04 Max: 13.46
Current: 6.46
2.1
13.46
3-Year Average Share Buyback Ratio -1.60
FBPRM'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. FBPRM: -1.60 )
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: -1.6
-222.1
4

Valuation & Return

vs
industry
vs
history
Forward Rate of Return (Yacktman) % 457.30
FBPRM'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. FBPRM: 457.30 )
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: 1.3  Med: 167.05 Max: 874.7
Current: 457.3
1.3
874.7

More Statistics

Beta0.60
Short Percentage of Float0.00%
52-Week Range $17.00 - 24.00

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