First BanCorpSTU:OLWN -0.86%80 OCF Margin % is 48.00% as of Mar. 2026, which is 5% above its 10-year median of 45.85. GuruFocus rates STU:OLWN with a GF Score™ of 80/100 and a GF Value™ of €19.15 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,501 Banks companies, First BanCorp ranks better than 71.69% on this metric.
The historical rank and industry rank for First BanCorp's OCF Margin % or its related term are showing as below:
STU:OLWN'
s OCF Margin % Range Over the Past 10 Years
Min: 37.1 Med: 45.85 Max: 50.67
Current: 47.55
During the past 13 years, the highest OCF Margin % of First BanCorp was 50.67%. The lowest was 37.10%. And the median was 45.85%.
STU:OLWN's OCF Margin % is ranked better than 71.69% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs STU:OLWN: 47.55
First BanCorp OCF Margin % Related Terms
First BanCorp OCF Margin % Historical Data
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The historical data trend for First BanCorp's OCF Margin % 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.
STU:OLWN vs BANF, WSFS, RNST: OCF Margin % Comparison
For the Banks - Regional subindustry, First BanCorp's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First BanCorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where First BanCorp's OCF Margin % 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 (STU:OLWN) has a OCF Margin % of 48.00% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on First BanCorp and its competitors. This is near median its historical median of 45.85. Over the past decade, First BanCorp's OCF Margin % has ranged from 37.10 to 50.67. According to the industry distribution chart, First BanCorp ranks #425 out of 1501 companies in the Banks industry, placing it in the top 28.3%.
Is First BanCorp's OCF Margin % too high?
First BanCorp's current OCF Margin % of 48.00% is near median its 10-year median of 45.85. Over the past 10 years, this metric has ranged from a low of 37.10 to a high of 50.67. The Banks industry median OCF Margin % is 29.44. First BanCorp's value of 48.00% is 63% above this industry median. Based on the distribution chart, First BanCorp ranks #425 out of 1501 companies in the Banks industry, which is above the industry midpoint. Overall, First BanCorp has a GF Score™ of 80/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First BanCorp's OCF Margin % compare to BANF and WSFS?
According to the Banks industry distribution chart, First BanCorp ranks #425 out of 1501 companies for OCF Margin %. This puts First BanCorp in the upper half of its industry. The industry median OCF Margin % is 29.44. First BanCorp's value of 48.00% is 63% above this benchmark. Historically, First BanCorp's own OCF Margin % has ranged from 37.10 to 50.67 over the past decade. While the company's 10-year median is 45.85 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First BanCorp's current OCF Margin % of 48.00% is 63% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on First BanCorp and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First BanCorp's current OCF Margin % is 48.00%, which is near median its own 10-year median of 45.85. 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?
Based on GuruFocus' analysis, First BanCorp (STU:OLWN) is currently considered Modestly Overvalued. The stock's GF Value™ is €19.15, compared to a current price of €23.00 — trading 20.1% above its estimated fair value. The current OCF Margin % is 48.00%, which is near median its 10-year median of 45.85 and 63% above the Banks industry median of 29.44. First BanCorp's overall GF Score™ is 80/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For First BanCorp (STU:OLWN), the current OCF Margin % is 48.00% as of Mar. 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 (STU:OLWN) Overvalued in 2026?
Based on GuruFocus' analysis, First BanCorp stock appears to be overvalued.
The current stock price of €23.00 is trading 20.1% above its estimated GF Value™ of €19.15.
GuruFocus considers First BanCorp to be Modestly Overvalued.
Key valuation signals for STU:OLWN:
OCF Margin %: 48.00% (near median its 10-year median of 45.85)
GF Value™: €19.15 vs. price of €23.00 (20.1% above fair value)
Industry Position: 63% above the Banks median (#425 of 1501)
No single metric tells the full story. See the STU: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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