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FirstBanCorp

NYQ:FBP · PR3186727065
BanksSmall

360

93
Profit price91
Cash yield61
Price/Sales28
EV / Gross Profit70
Price/Book11
Returns on capital100
Profit margins—
Cash Conversion69
Accruals36
Owner Earnings Margin82
Sales growth55
Profit Growth23
Long-Term EPS Growth46
Owner Earnings Growth40
Reinvestment1
Price momentum69
Debt load66
Debt serviceability30
Liquidity92
Analyst ratings64
Opinion Changes50
Price Target Upside45
Market mood67
Value Creation17/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

FirstBanCorp generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryPuerto Rico
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNYSE
Founded1948
Website1firstbank.com
ISINPR3186727065
Last UpdateApr 2, 2026
Index & Theme
BankingFinanceFinancial Services

Description

First BanCorp. operates as the bank holding for FirstBank Puerto Rico (FirstBank) that provides full-service commercial and consumer banking services, mortgage banking services, automobile financing, insurance agency services, and other financial pro…

Analysis

Quality compounder

First BanCorp. earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess.

On valuation, the picture is attractive. The owner-earnings multiple stands at 10.6×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around -2% a year, against analyst forecasts of 7%. The price, in other words, assumes less than the experts do.

Growth is moderate; the safety picture is sturdy. The company scores 17/20 on our value-creation score: strong value creator. Analysts lean positive.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
64
2023202420252026

All-time high

96

Mar 2026

All-time low

60

Jan 2025

Average rank

77

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
28
26
28
23
Price/Earnings
25
59
55
91
Price/Book
11
5
3
93
Dividend Yield
61
61
57
71
Value (overall)
36
29
20
83

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →