Business Description
First BanCorp
SIC : 6022
ISIN : PR3186727065
Total Employee Number:
3,218Description
First BanCorp is a financial holding company that operates as the bank holding company for FirstBank Puerto Rico, FirstBank Virgin Islands, and FirstBank Florida. It provides commercial and corporate banking, consumer and retail banking, mortgage banking, and treasury and investment services. Its consumer segment, the largest revenue contributor, offers residential mortgages, auto and personal loans, credit cards, and deposit products through a branch network and loan centers. Commercial lending serves middle-market and corporate clients, while treasury activities manage the company's investment portfolio. First BanCorp operates primarily in Puerto Rico, the U.S. Virgin Islands, and Florida, with additional operations in other Caribbean and U.S. markets. Revenue is generated mainly from net interest income on loans and investments, supplemented by fees from deposit services, mortgage banking, and other financial products.
Financial Strength
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 2.8 | |||||
Equity-to-Asset | 0.1 | |||||
Debt-to-Equity | 0.1 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 9/9 | |||||
Beneish M-Score | -2.35 | |||||
WACC vs ROIC | ||||||
Growth Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 9 | |||||
3-Year EPS without NRI Growth Rate | 10.4 | |||||
3-Year FCF Growth Rate | 7.6 | |||||
3-Year Book Growth Rate | 20.1 | |||||
Future 3-5Y EPS without NRI Growth Rate Estimate Industry Rank | 9.6 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 9.11 |
Momentum Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 43.86 | |||||
9-Day RSI | 44.93 | |||||
14-Day RSI | 45.99 | |||||
3-1 Month Momentum % | 15.6 | |||||
6-1 Month Momentum % | 41.57 | |||||
12-1 Month Momentum % | 36.96 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 2.82 | |||||
Dividend Payout Ratio | 0.34 | |||||
3-Year Dividend Growth Rate | 16.1 | |||||
Forward Dividend Yield % | 2.9 | |||||
5-Year Yield-on-Cost % | 9.88 | |||||
3-Year Average Share Buyback Ratio | 5 | |||||
Shareholder Yield % | 12.13 |
Profitability Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 37.73 | |||||
FCF Margin % | 42.3 | |||||
OCF Margin % | 43.96 | |||||
ROE % | 19.25 | |||||
ROA % | 1.95 | |||||
Years of Profitability over Past 10-Year | 10 | |||||
Moat Score | 4 | |||||
Tariff Resilience Score | 7 |
GF Value Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 11.73 | |||||
Forward PE Ratio | 12.45 | |||||
PE Ratio without NRI | 12.4 | |||||
Shiller PE Ratio | 19.59 | |||||
Price-to-Owner-Earnings | 11.16 | |||||
PEG Ratio | 3.76 | |||||
PS Ratio | 4.44 | |||||
PB Ratio | 2.15 | |||||
Price-to-Tangible-Book | 2.2 | |||||
Price-to-Free-Cash-Flow | 9.95 | |||||
Price-to-Operating-Cash-Flow | 9.58 | |||||
EV-to-Revenue | 3.96 | |||||
EV-to-FCF | 8.77 | |||||
Price-to-GF-Value | 1.22 | |||||
Price-to-Projected-FCF | 0.65 | |||||
Price-to-DCF (Earnings Based) | 0.39 | |||||
Price-to-DCF (FCF Based) | 0.57 | |||||
Price-to-Median-PS-Value | 1.3 | |||||
Price-to-Peter-Lynch-Fair-Value | 1.56 | |||||
Price-to-Graham-Number | 1.1 | |||||
FCF Yield % | 10.35 | |||||
Forward Rate of Return (Yacktman) % | 16.1 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
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Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
First BanCorp Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil €) | 884.004 | ||
| EPS (TTM) (€) | 2.034 | ||
| Beta | 1.0977 | ||
| 3-Year Sharpe Ratio | 0.89 | ||
| 3-Year Sortino Ratio | 1.69 | ||
| Volatility % | 24.49 | ||
| 14-Day RSI | 45.99 | ||
| 14-Day ATR (€) | 1.062694 | ||
| 20-Day SMA (€) | 23.93 | ||
| 12-1 Month Momentum % | 36.96 | ||
| 52-Week Range (€) | 16.4 - 25.6 | ||
| Shares Outstanding (Mil) | 152.67 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 9 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
First BanCorp Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
First BanCorp Stock Events
| Event | Date | Price (€) | ||
|---|---|---|---|---|
| Annual report for 2026 | 2027-02-26 | In 157 days | ||
| Fourth quarter earnings conference call for 2026 | 2027-01-27 10:00 | In 128 days | ||
| Fourth quarter earnings results for 2026 | 2027-01-27 | In 127 days | ||
| Third quarter earnings conference call for 2026 | 2026-10-23 10:00 | In 32 days | ||
| Third quarter earnings results for 2026 | 2026-10-23 | In 31 days | ||
| USD 0.200000 Cash Dividend | 2026-08-27 | 24.00 (+3.45%) | ||
| Second quarter earnings conference call for 2026 | 2026-07-22 10:00 | 24.00 (+1.69%) | ||
| Second quarter earnings results for 2026 | 2026-07-22 | 24.00 (+1.69%) | ||
| USD 0.200000 Cash Dividend | 2026-05-28 | 20.60 (+1.98%) | ||
| General meeting for 2026 | 2026-05-06 10:00 | 20.60 (+1.98%) |
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First BanCorp Frequently Asked Questions
What is First BanCorp(STU:OLWN)'s stock price today?
The current price of STU:OLWN is €23.80. The 52 week high of STU:OLWN is €25.60 and 52 week low is €16.40.
When is next earnings date of First BanCorp(STU:OLWN)?
The next earnings date of First BanCorp(STU:OLWN) is 2026-10-23 Est..
Does First BanCorp(STU:OLWN) pay dividends? If so, how much?
The Dividend Yield %  of First BanCorp(STU:OLWN) is 2.82% (As of Today), Highest Dividend Payout Ratio of First BanCorp(STU:OLWN) was 0.35. The lowest was 0.05. And the median was 0.31. The  Forward Dividend Yield % of First BanCorp(STU:OLWN) is 2.9%. For more information regarding to dividend, please check our Dividend Page.
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