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First BanCorpFRA:OLWN 80 Cash-to-Debt is 2.80 as of Jun. 2026, which is 162% above its 10-year median of 1.07. GuruFocus rates FRA:OLWN with a GF Score™ of 80/100 and a GF Value™ of €19.09. The stock has 6 warning signs investors should review. Among 1,490 Banks companies, First BanCorp ranks better than 66.17% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. First BanCorp's cash to debt ratio for the quarter that ended in Jun. 2026 was 2.80.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, First BanCorpcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for First BanCorp's Cash-to-Debt or its related term are showing as below:
FRA:OLWN'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.33 Med: 1.07 Max: 6.62
Current: 2.8
During the past 13 years, First BanCorp's highest Cash to Debt Ratio was 6.62. The lowest was 0.33. And the median was 1.07.
FRA:OLWN's Cash-to-Debt is ranked better than 66.17% of 1490
companies
in the Banks industry
Industry Median: 1.38
vs FRA:OLWN: 2.80
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
First BanCorp Cash-to-Debt Related Terms
First BanCorp Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for First BanCorp's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
FRA:OLWN vs TCBI, UCB, IBOC: Cash-to-Debt Comparison
For the Banks - Regional subindustry, First BanCorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First BanCorp Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, First BanCorp's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where First BanCorp's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First BanCorp (FRA:OLWN) has a Cash-to-Debt of 2.80 as of Jun. 2026. This is 162% above median its historical median of 1.07. Over the past decade, First BanCorp's Cash-to-Debt has ranged from 0.33 to 6.62. According to the industry distribution chart, First BanCorp ranks #504 out of 1490 companies in the Banks industry, placing it in the top 33.8%.
Is First BanCorp's Cash-to-Debt too high?
First BanCorp's current Cash-to-Debt of 2.80 is 162% above median its 10-year median of 1.07. Over the past 10 years, this metric has ranged from a low of 0.33 to a high of 6.62. The Banks industry median Cash-to-Debt is 1.38. First BanCorp's value of 2.80 is 102.9% above this industry median. Based on the distribution chart, First BanCorp ranks #504 out of 1490 companies in the Banks industry, which is above the industry midpoint. Overall, First BanCorp has a GF Score™ of 80/100, reflecting its overall financial health beyond just this single metric.
How does First BanCorp's Cash-to-Debt compare to TCBI and UCB?
According to the Banks industry distribution chart, First BanCorp ranks #504 out of 1490 companies for Cash-to-Debt. This puts First BanCorp in the upper half of its industry. The industry median Cash-to-Debt is 1.38. First BanCorp's value of 2.80 is 102.9% above this benchmark. Historically, First BanCorp's own Cash-to-Debt has ranged from 0.33 to 6.62 over the past decade. While the company's 10-year median is 1.07 vs. the industry median of 1.38, First BanCorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,490 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First BanCorp's current Cash-to-Debt of 2.80 is 102.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First BanCorp's current Cash-to-Debt is 2.80, which is 162% above median its own 10-year median of 1.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First BanCorp stock overvalued right now?
First BanCorp (FRA:OLWN) has a current Cash-to-Debt of 2.80. The stock's GF Value™ is €19.09, compared to a current price of €23.20 — trading 21.5% above its estimated fair value. The current Cash-to-Debt is 2.80, which is 162% above median its 10-year median of 1.07 and 102.9% above the Banks industry median of 1.38. First BanCorp's overall GF Score™ is 80/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For First BanCorp (FRA:OLWN), the current Cash-to-Debt is 2.80 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First BanCorp (FRA:OLWN) Overvalued in 2026?
Based on GuruFocus' analysis, First BanCorp stock appears to be overvalued.
The current stock price of €23.20 is trading 21.5% above its estimated GF Value™ of €19.09.
Key valuation signals for FRA:OLWN:
Cash-to-Debt: 2.80 (162% above median its 10-year median of 1.07)
GF Value™: €19.09 vs. price of €23.20 (21.5% above fair value)
Industry Position: 102.9% above the Banks median (#504 of 1490)
No single metric tells the full story. See the FRA:OLWN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First BanCorp is a financial holding company. The company's operating segment includes Mortgage Banking; Consumer (Retail) Banking; Commercial and Corporate Banking; Treasury and Investments; United States Operations; and Virgin Islands Operations. The Consumer (Retail) Banking segment generates the majority of revenue, which consists of the Corporation's consumer lending and deposit-taking activities conducted mainly through its branch network and loan centres. Geographically, it derives a majority of revenue from Puerto Rico.
80GF Score
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