(FBP) First Bancorp - Ratings and Ratios
Mortgage, Savings, Checking, Credit, Loans
FBP EPS (Earnings per Share)
FBP Revenue
Description: FBP First Bancorp
First Bancorp (NYSE:FBP) is a bank holding company operating through multiple segments, including Mortgage Banking, Consumer Banking, Commercial and Corporate Banking, Treasury and Investments, US Operations, and Virgin Islands Operations, offering a diverse range of financial products and services to consumers and commercial customers.
The companys diversified business model is reflected in its various segments, with Mortgage Banking engaging in loan origination and servicing, Consumer Banking providing personal credit products, and Commercial and Corporate Banking offering cash management services and commercial loans. The Treasury and Investments segment manages the companys funds, while US and Virgin Islands Operations cater to local market needs. Key Performance Indicators (KPIs) to monitor include loan growth, net interest margin, and deposit growth.
From a financial perspective, First Bancorps Market Cap stands at $3.41 billion, with a Price-to-Earnings (P/E) ratio of 11.24, indicating a relatively attractive valuation. The Return on Equity (RoE) of 17.54% suggests a strong profitability profile. Additional KPIs to consider include the companys Efficiency Ratio, which measures operating expenses as a percentage of revenue, and the Non-Performing Assets (NPA) ratio, which indicates asset quality.
To further analyze First Bancorps performance, it is essential to examine its revenue diversification, credit quality, and capital adequacy. The companys ability to generate revenue from various business segments and geographic locations can help mitigate risks. Monitoring credit metrics, such as the Allowance for Loan Losses (ALL) and the NPA ratio, can provide insights into asset quality. Additionally, capital ratios, such as the Common Equity Tier 1 (CET1) ratio, can indicate the companys ability to absorb potential losses.
FBP Stock Overview
| Market Cap in USD | 3,567m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 1992-02-25 |
FBP Stock Ratings
| Growth Rating | 70.9% |
| Fundamental | 63.1% |
| Dividend Rating | 76.0% |
| Return 12m vs S&P 500 | -7.25% |
| Analyst Rating | 4.33 of 5 |
FBP Dividends
| Dividend Yield 12m | 3.32% |
| Yield on Cost 5y | 14.37% |
| Annual Growth 5y | 26.19% |
| Payout Consistency | 59.6% |
| Payout Ratio | 37.2% |
FBP Growth Ratios
| Growth Correlation 3m | 61.7% |
| Growth Correlation 12m | 32.7% |
| Growth Correlation 5y | 90% |
| CAGR 5y | 35.66% |
| CAGR/Max DD 5y | 1.10 |
| Sharpe Ratio 12m | 0.61 |
| Alpha | -9.03 |
| Beta | 1.010 |
| Volatility | 27.46% |
| Current Volume | 968k |
| Average Volume 20d | 986.9k |
| Stop Loss | 21.5 (-3.3%) |
| Signal | 0.29 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (306.7m TTM) > 0 and > 6% of Revenue (6% = 56.0m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA 0.19pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1240 % (prev -948.3%; Δ -291.4pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 418.4m > Net Income 306.7m (YES >=105%, WARN >=100%) |
| Net Debt (-735.4m) to EBITDA (310.4m) ratio: -2.37 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.31 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (161.5m) change vs 12m ago -2.43% (target <= -2.0% for YES) |
| Gross Margin 71.15% (prev 71.68%; Δ -0.52pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.94% (prev 6.19%; Δ -1.25pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.08 (EBITDA TTM 310.4m / Interest Expense TTM 270.1m) >= 6 (WARN >= 3) |
Altman Z'' -3.44
| (A) -0.61 = (Total Current Assets 5.30b - Total Current Liabilities 16.87b) / Total Assets 18.90b |
| (B) 0.11 = Retained Earnings (Balance) 2.14b / Total Assets 18.90b |
| (C) 0.02 = EBIT TTM 292.7m / Avg Total Assets 18.89b |
| (D) 0.10 = Book Value of Equity 1.72b / Total Liabilities 17.05b |
| Total Rating: -3.44 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 63.12
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield 2.64% = 1.32 |
| 3. FCF Margin 43.96% = 7.50 |
| 4. Debt/Equity 9.32 = -2.50 |
| 5. Debt/Ebitda 55.38 = -2.50 |
| 6. ROIC - WACC 8.23% = 10.29 |
| 7. RoE 17.54% = 1.46 |
| 8. Rev. Trend -38.74% = -1.94 |
| 9. Rev. CAGR -53.06% = -2.50 |
| 10. EPS Trend 85.12% = 2.13 |
| 11. EPS CAGR 8.55% = 0.86 |
What is the price of FBP shares?
Over the past week, the price has changed by +0.72%, over one month by +5.31%, over three months by +11.66% and over the past year by +8.49%.
Is First Bancorp a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of FBP is around 27.42 USD . This means that FBP is currently undervalued and has a potential upside of +23.35% (Margin of Safety).
Is FBP a buy, sell or hold?
- Strong Buy: 3
- Buy: 2
- Hold: 1
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the FBP price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 25 | 12.5% |
| Analysts Target Price | 25 | 12.5% |
| ValueRay Target Price | 28.9 | 30.1% |
Last update: 2025-08-30 04:40
FBP Fundamental Data Overview
CCE Cash And Equivalents = 5.23b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 11.8245
P/S = 4.0037
P/B = 1.9252
P/EG = 0.86
Beta = 0.948
Revenue TTM = 933.1m USD
EBIT TTM = 292.7m USD
EBITDA TTM = 310.4m USD
Long Term Debt = 320.0m USD (from longTermDebt, last quarter)
Short Term Debt = 16.87b USD (from totalCurrentLiabilities, last fiscal year)
Debt = 17.19b USD (Calculated: Short Term 16.87b + Long Term 320.0m)
Net Debt = -735.4m USD (from netDebt column, last quarter)
Enterprise Value = 15.53b USD (3.57b + Debt 17.19b - CCE 5.23b)
Interest Coverage Ratio = 1.08 (Ebit TTM 292.7m / Interest Expense TTM 270.1m)
FCF Yield = 2.64% (FCF TTM 410.2m / Enterprise Value 15.53b)
FCF Margin = 43.96% (FCF TTM 410.2m / Revenue TTM 933.1m)
Net Margin = 32.87% (Net Income TTM 306.7m / Revenue TTM 933.1m)
Gross Margin = 71.15% ((Revenue TTM 933.1m - Cost of Revenue TTM 269.2m) / Revenue TTM)
Tobins Q-Ratio = 9.03 (Enterprise Value 15.53b / Book Value Of Equity 1.72b)
Interest Expense / Debt = 0.36% (Interest Expense 62.3m / Debt 17.19b)
Taxrate = 23.64% (from yearly Income Tax Expense: 92.5m / 391.2m)
NOPAT = 223.5m (EBIT 292.7m * (1 - 23.64%))
Current Ratio = 0.31 (Total Current Assets 5.30b / Total Current Liabilities 16.87b)
Debt / Equity = 9.32 (Debt 17.19b / last Quarter total Stockholder Equity 1.85b)
Debt / EBITDA = 55.38 (Net Debt -735.4m / EBITDA 310.4m)
Debt / FCF = 41.91 (Debt 17.19b / FCF TTM 410.2m)
Total Stockholder Equity = 1.75b (last 4 quarters mean)
RoA = 1.62% (Net Income 306.7m, Total Assets 18.90b )
RoE = 17.54% (Net Income TTM 306.7m / Total Stockholder Equity 1.75b)
RoCE = 14.15% (Ebit 292.7m / (Equity 1.75b + L.T.Debt 320.0m))
RoIC = 10.14% (NOPAT 223.5m / Invested Capital 2.20b)
WACC = 1.90% (E(3.57b)/V(20.76b) * Re(9.74%)) + (D(17.19b)/V(20.76b) * Rd(0.36%) * (1-Tc(0.24)))
Shares Correlation 5-Years: -100.0 | Cagr: -5.75%
Discount Rate = 9.74% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 72.85% ; FCFE base≈395.6m ; Y1≈407.6m ; Y5≈459.2m
Fair Price DCF = 37.71 (DCF Value 6.05b / Shares Outstanding 160.5m; 5y FCF grow 3.05% → 3.0% )
Revenue Correlation: -38.74 | Revenue CAGR: -53.06%
Rev Growth-of-Growth: -62.89
EPS Correlation: 85.12 | EPS CAGR: 8.55%
EPS Growth-of-Growth: -7.61
Additional Sources for FBP Stock
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