Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
First BanCorpFRA:OLWN +2.63%80 3-Year EPS without NRI Growth Rate is 10.40% as of Jun. 2026, which is 47% below its 10-year median of 19.60. GuruFocus rates FRA:OLWN with a GF Score™ of 80/100 and a GF Value™ of €19.16. The stock has 6 warning signs investors should review. Among 1,405 Banks companies, First BanCorp ranks better than 58.29% on this metric.
During the past 12 months, First BanCorp's average EPS without NRI Growth Rate was 19.80% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 10.40% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 23.50% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 30.20% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of First BanCorp was 188.20% per year. The lowest was -44.90% per year. And the median was 19.60% per year.
First BanCorp (FRA:OLWN) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
First BanCorp 3-Year EPS without NRI Growth Rate Related Terms
FRA:OLWN vs TCBI, UCB, IBOC: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, First BanCorp's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, First BanCorp's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where First BanCorp's 3-Year EPS without NRI Growth Rate falls into.
First BanCorp 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 10.40% mean?
First BanCorp (FRA:OLWN) has a 3-Year EPS without NRI Growth Rate of 10.40% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for First BanCorp and its competitors. This is 47% below median its historical median of 19.60. According to the industry distribution chart, First BanCorp ranks #586 out of 1405 companies in the Banks industry, placing it in the top 41.7%.
Is First BanCorp's 3-Year EPS without NRI Growth Rate too high?
First BanCorp's current 3-Year EPS without NRI Growth Rate of 10.40% is 47% below median its 10-year median of 19.60. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.50. First BanCorp's value of 10.40% is 38.7% above this industry median. Based on the distribution chart, First BanCorp ranks #586 out of 1405 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 3-Year EPS without NRI Growth Rate compare to TCBI and UCB?
According to the Banks industry distribution chart, First BanCorp ranks #586 out of 1405 companies for 3-Year EPS without NRI Growth Rate. This puts First BanCorp in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. First BanCorp's value of 10.40% is 38.7% above this benchmark. While the company's 10-year median is 19.60 vs. the industry median of 7.50, 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 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,405 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First BanCorp's current 3-Year EPS without NRI Growth Rate of 10.40% is 38.7% 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for First BanCorp and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First BanCorp's current 3-Year EPS without NRI Growth Rate is 10.40%, which is 47% below median its own 10-year median of 19.60. 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 3-Year EPS without NRI Growth Rate of 10.40%. The stock's GF Value™ is €19.16, compared to a current price of €23.40 — trading 22.1% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 10.40%, which is 47% below median its 10-year median of 19.60 and 38.7% above the Banks industry median of 7.50. 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 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For First BanCorp (FRA:OLWN), the current 3-Year EPS without NRI Growth Rate is 10.40% 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 €23.40 is trading 22.1% above its estimated GF Value™ of €19.16.
Key valuation signals for FRA:OLWN:
3-Year EPS without NRI Growth Rate: 10.40% (47% below median its 10-year median of 19.60)
GF Value™: €19.16 vs. price of €23.40 (22.1% above fair value)
Industry Position: 38.7% above the Banks median (#586 of 1405)
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
Get the complete analysis for FRA:OLWN
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:OLWN has been successfully added to your 
