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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 0.53
FBPRM's Cash-to-Debt is ranked lower than
81% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. FBPRM: 0.53 )
Ranked among companies with meaningful Cash-to-Debt only.
FBPRM' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.35 Max: N/A
Current: 0.53
Equity-to-Asset 0.15
FBPRM's Equity-to-Asset is ranked higher than
85% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FBPRM: 0.15 )
Ranked among companies with meaningful Equity-to-Asset only.
FBPRM' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.08 Max: 0.15
Current: 0.15
0.04
0.15
Interest Coverage 1.21
FBPRM's Interest Coverage is ranked lower than
58% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. FBPRM: 1.21 )
Ranked among companies with meaningful Interest Coverage only.
FBPRM' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 0.24 Max: 1.29
Current: 1.21
0.12
1.29
Beneish M-Score: -2.67
WACC vs ROIC
12.52%
5.06%
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 % 21.20
FBPRM's Operating Margin % is ranked lower than
70% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. FBPRM: 21.20 )
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: 22.77
Current: 21.2
-72.67
22.77
Net Margin % 17.05
FBPRM's Net Margin % is ranked lower than
70% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. FBPRM: 17.05 )
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: 17.05
-90.46
67.7
ROE % 5.28
FBPRM's ROE % is ranked lower than
74% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. FBPRM: 5.28 )
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: 5.28
-20.47
27.29
ROA % 0.78
FBPRM's ROA % is ranked lower than
60% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. FBPRM: 0.78 )
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: 0.78
-2.98
3.09
3-Year Revenue Growth Rate 2.90
FBPRM's 3-Year Revenue Growth Rate is ranked lower than
57% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. FBPRM: 2.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
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 $FBPRM.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» FBPRM's 30-Y Financials

Financials (Next Earnings Date: 2017-07-25 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
FBPRM23.503.947.40% NonCumulative Perpetual Monthly Income Preferred Stock, Series C
FBPRP19.504.577.125% NonCumulative Perpetual Monthly Income Preferred Stock, Series A
FBPRN19.504.657.25% NonCumulative Perpetual Monthly Income Preferred Stock, Series D
FBPRL21.204.137.00% NonCumulative Perpetual Monthly Income Preferred Stock, Series E
FBPRO22.854.578.35% NonCumulative Perpetual Monthly Income Preferred Stock, Series B

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110 
Compare:OTCPK:IEBS, NAS:OPHC, OTCPK:CSHB, OTCPK:HWIS, OTCPK:EGDW, OTCPK:DLNO, OTCBB:SUGR, OTCPK:ALBY, OTCPK:CROL, OTCPK:CZID, OTCBB:CNNB, OTCPK:MWBC, OTCPK:FRSB, OTCPK:CZBS, OTCPK:FCNH, OTCPK:SSNF, OTCBB:CFDB, OTCPK:CYSM, OTCPK:QNTO, NAS:WCFB » details
Traded in other countries:OLWN.Germany, FBP.USA,
Headquarter Location:
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

vs
industry
vs
history
PE Ratio 12.60
FBPRM's PE Ratio is ranked higher than
58% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. FBPRM: 12.60 )
Ranked among companies with meaningful PE Ratio only.
FBPRM' s PE Ratio Range Over the Past 10 Years
Min: 0.59  Med: 13.91 Max: 46.11
Current: 12.6
0.59
46.11
PE Ratio without NRI 12.60
FBPRM's PE Ratio without NRI is ranked higher than
58% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. FBPRM: 12.60 )
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: 13.91 Max: 46.11
Current: 12.6
0.59
46.11
Price-to-Owner-Earnings 10.23
FBPRM's Price-to-Owner-Earnings is ranked higher than
60% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. FBPRM: 10.23 )
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: 13.87 Max: 1275
Current: 10.23
6.52
1275
PB Ratio 0.66
FBPRM's PB Ratio is ranked higher than
79% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FBPRM: 0.66 )
Ranked among companies with meaningful PB Ratio only.
FBPRM' s PB Ratio Range Over the Past 10 Years
Min: 0.08  Med: 0.7 Max: 1.58
Current: 0.66
0.08
1.58
PS Ratio 2.10
FBPRM's PS Ratio is ranked higher than
74% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. FBPRM: 2.10 )
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: 2.1
0.05
3.57
Price-to-Free-Cash-Flow 5.35
FBPRM's Price-to-Free-Cash-Flow is ranked higher than
70% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. FBPRM: 5.35 )
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: 3.81 Max: 35.16
Current: 5.35
0.18
35.16
Price-to-Operating-Cash-Flow 5.12
FBPRM's Price-to-Operating-Cash-Flow is ranked higher than
66% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. FBPRM: 5.12 )
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: 3.53 Max: 18.2
Current: 5.12
0.15
18.2

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.94
FBPRM's Dividend Yield % is ranked lower than
99.99% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. FBPRM: 3.94 )
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: 3.94
2.1
13.46
Forward Dividend Yield % 7.87
FBPRM's Forward Dividend Yield % is ranked lower than
99.99% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. FBPRM: 7.87 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.94
FBPRM's 5-Year Yield-on-Cost % is ranked lower than
100% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. FBPRM: 3.94 )
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: 3.94
2.1
13.46
3-Year Average Share Buyback Ratio -1.60
FBPRM's 3-Year Average Share Buyback Ratio is ranked higher than
51% of the 1042 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) % 484.51
FBPRM's Forward Rate of Return (Yacktman) % is ranked higher than
99% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. FBPRM: 484.51 )
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: 1.6  Med: 155.8 Max: 874.7
Current: 484.51
1.6
874.7

More Statistics

Beta0.79
Short Percentage of Float0.00%
52-Week Range $12.70 - 24.00

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