COMPANY SUMMARY
First BanCorp. operates as the bank holding company for FirstBank Puerto Rico that provides financial products and services to consumers and commercial customers. It operates through six segments: Mortgage Banking; Consumer (Retail) Banking; Commercial and Corporate Banking; Treasury and Investments; United States Operations; and Virgin Islands Operations. The Mortgage Banking segment engages in the origination, sale, and servicing of various residential mortgage loans; hedging activities; purchase of mortgage loans from branch and mortgage bankers; and origination of residential real estate loans. The Consumer (Retail) Banking segment is involved in consumer lending, commercial lending to small businesses, commercial transaction banking, and deposit-taking activities. The Commercial and Corporate Banking segment offers lending and other services, including commercial lending and commercial deposit-taking activities. The Treasury and Investments segment manages funding; and obtains funds through brokered deposits, advances from the FHLB, and repurchase agreements involving investment securities, among other funding sources. The United States Operations segment provides checking, savings, and money market accounts; retail CDs; internet banking services; residential mortgages; home equity loans and lines of credit; retail deposits; cash management services; remote data capture; automated clearing house transactions; and traditional commercial and industrial, and commercial real estate products, such as lines of credit, term loans, and construction loans. The Virgin Islands Operations segment focuses on consumer and commercial lending, and deposit-taking activities. The company also offers automobile financing and insurance agency services. First BanCorp. was founded in 1948 and is headquartered in San Juan, Puerto Rico.
Financial Summary
| Share Statistics |
FBP |
Industry Median |
Percentile (All Stocks) |
| Market Cap (Mil) |
$4,279.7 |
$751.0 |
64% |
|
| Shares Out (Mil) |
154.2 |
15.4 |
71% |
|
| Institutional Ownership |
97.5% |
83.2% |
74% |
|
| Float (Mil) |
147.8 |
21.8 |
69% |
|
| Beta |
0.80 |
0.43 |
48% |
|
| Avg Daily Volume (000s) |
1,092 |
42 |
72% |
|
Price Change (52-week) |
32.2% |
94.6% |
70% |
|
| Growth |
FBP |
Industry Median |
Percentile (All Stocks) |
| Sales (5yr) |
11.3% |
7.7% |
63% |
|
| Net Income (5yr) |
27.5% |
11.1% |
83% |
|
| EPS (5yr) |
36.2% |
10.1% |
86 |
|
| Dividends (5yr) |
29.2% |
3.6% |
74% |
|
| Cash Flow (5yr) |
(22.9%) |
(17.1%) |
28% |
|
| Estimates |
Qtrly |
Current Fiscal Year |
Next Fiscal Year |
| # of Estimates |
7 |
7 |
7 |
| Current EPS |
$0.590 |
$2.397 |
$2.548 |
| Month Ago EPS |
$0.556 |
$2.245 |
$2.398 |
| # Rev Up |
1 |
0 |
1 |
| # Rev Down |
0 |
1 |
0 |
| Three Months Ago EPS |
$0.556 |
$2.242 |
$2.394 |
| Year/Year Chg |
(4.8%) |
11.5% |
27.9% |
| Financials |
FBP |
Industry Median |
Percentile (All Stocks) |
| Sales (TTM) (Mil) |
$954 |
$196 |
50% |
|
| Net Income (TTM) (Mil) |
$373 |
$55 |
75% |
|
| EPS (TTM) |
$2.385 |
$2.600 |
74% |
|
| Operating Cash Flow (TTM) (Mil) |
$458 |
$36 |
70% |
|
| Net Cash Flow (TTM) (Mil) |
($175) |
$2 |
11% |
|
| Long-Term Debt (Q1) (Mil) |
$200 |
$101 |
50% |
|
| Enterprise Value (Q1) (Mil) |
na |
$0 |
na |
|
| Valuation |
FBP |
Industry Median |
Percentile (All Stocks) |
| P/B |
2.17 |
1.25 |
53% |
|
| P/E |
11.9 |
12.5 |
25% |
|
| Dividend Yield |
2.8% |
2.2% |
83% |
|
| PEG (5yr hist) |
0.3 |
1.1 |
15% |
|
| Ratios |
FBP |
Industry Median |
Percentile (All Stocks) |
| Gross Margin |
na |
63.7% |
na |
|
| Net Margin |
39.0% |
29.1% |
94% |
|
| ROA |
2.0% |
1.1% |
56% |
|
| ROE |
19.5% |
11.3% |
79% |
|
| Liabilities to Assets |
89.7% |
89.7% |
85% |
|
| F-Score |
6 |
4 |
67% |
|
Passing Stock Screens
As of 8/20/2026, from a list of 60 stock screening strategies,
FBP meetings the criteria of 3 screen:
Stock Screen
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
FACTOR STRATEGY
Value on the Move--PEG With Hist Growth Screen
Factors: Value, Quality, Momentum, Growth
Using PEG ratios and price strength to find growth stocks trading at a reasonable price.
GURU STRATEGY
Buffett: Hagstrom Screen
Factors: Value, Quality, Growth
Hagstrom identifies 12 basic principles that a company should possess to be considered for purchase.