A Business at a Glance
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FIRST BANCORP /PR/ operates in the State Commercial Banks industry, Financials sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 1.3B | 1.3B | 1.2B | 1.2B | 986M | 916M |
| Net Income | 345M | 345M | 299M | 303M | 305M | 277M |
| EPS | $2.15 | $2.15 | $1.81 | $1.71 | $1.59 | $1.31 |
| Free Cash Flow | 438M | 438M | 394M | 340M | 420M | 386M |
| ROIC | 15.3% | 15.4% | 13.4% | 14.0% | 23.0% | 13.2% |
| Gross Margin | 74.2% | 74.2% | 74.5% | 78.7% | 90.4% | 86.2% |
| Debt/Equity | 0.15 | 0.15 | 0.34 | 0.44 | 13.06 | 8.89 |
| Dividends/Share | $0.72 | $0.72 | $0.64 | $0.56 | $0.46 | $0.31 |
| Operating Income | 18M | 18M | 19M | 26M | 16M | 428M |
| Operating Margin | 1.4% | 1.4% | 1.5% | 2.2% | 1.6% | 46.7% |
| ROE | 17.5% | 19.0% | 17.9% | 20.2% | 23.0% | 13.2% |
| Shares Outstanding | 160M | 160M | 165M | 177M | 192M | 212M |
FIRST BANCORP /PR/ passes 7 of 9 quality checks, indicating strong fundamentals.
FIRST BANCORP /PR/ trades at 10.6x trailing earnings, compared to its 15-year median P/E of 9.9x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 8.4x vs a median of 6.5x. The company's 5-year average ROIC is 15.8% with a gross margin of 80.8%. Total shareholder yield (dividends + buybacks) is 7.4%. At current prices, the estimated annualized return to fair value is +13.0%.
FIRST BANCORP /PR/ (FBP) has a current P/E ratio of 10.6, compared to its historical median P/E of 9.9. The stock is currently considered Fair based on its historical valuation range.
FIRST BANCORP /PR/ (FBP) has a 5-year average return on invested capital (ROIC) of 15.8%. This indicates strong capital allocation and a potential competitive advantage.
FIRST BANCORP /PR/ (FBP) has a market capitalization of $3.7B. It is classified as a mid-cap stock.
Yes, FIRST BANCORP /PR/ (FBP) pays a dividend with a trailing twelve-month yield of 3.16%. The company also returns capital through share buybacks, with a buyback yield of 4.20%.
Based on historical P/E analysis, FIRST BANCORP /PR/ (FBP) appears fair. The current P/E of 10.6 is 7% above its historical median of 9.9. The estimated fair value CAGR (P/E method) is 21.7%.
FIRST BANCORP /PR/ (FBP) operates in the State Commercial Banks industry, within the Financials sector.
FIRST BANCORP /PR/ (FBP) reported annual revenue of $1.3 billion in its most recent fiscal year, based on SEC EDGAR filings.
FIRST BANCORP /PR/ (FBP) has a net profit margin of 27.5%. This is a strong margin indicating high profitability.
FIRST BANCORP /PR/ (FBP) generated $438 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
FIRST BANCORP /PR/ (FBP) has a debt-to-equity ratio of 0.15. This indicates a conservatively financed balance sheet.
FIRST BANCORP /PR/ (FBP) reported earnings per share (EPS) of $2.15 in its most recent fiscal year.
FIRST BANCORP /PR/ (FBP) has a return on equity (ROE) of 19.0%. This indicates the company generates strong returns for shareholders.
FIRST BANCORP /PR/ (FBP) has a 5-year average gross margin of 80.8%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 17 years of financial data for FIRST BANCORP /PR/ (FBP), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
FIRST BANCORP /PR/ (FBP) has a book value per share of $12.26, based on its most recent annual SEC filing.
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