First BanCorp (Puerto Rico)

  • Market Cap: Small Cap
  • Industry: Regional Banks
  • ISIN: PR3186727065
USD
20.38
0.13 (0.64%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

294.6 k

Shareholding (Mar 2025)

FII

8.61%

Held by 126 FIIs

DII

35.27%

Held by 74 DIIs

Promoter

0.01%

How big is First BanCorp (Puerto Rico)?

22-Jun-2025

As of Jun 18, First BanCorp (Puerto Rico) has a market capitalization of 3,459.67 million and total assets of 19,301.76 million, with shareholder's funds at 1,669.24 million.

As of Jun 18, First BanCorp (Puerto Rico) has a market capitalization of 3,459.67 million, which categorizes it as a Small Cap company.<BR><BR>As of Jun 18, the sum of interest earned for the latest four quarters is 1,103.72 million, while the net profit for the same period is 302.33 million.<BR><BR>As of Dec 24, the reporting period shows shareholder's funds of 1,669.24 million and total assets amounting to 19,301.76 million.

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What does First BanCorp (Puerto Rico) do?

22-Jun-2025

First BanCorp (Puerto Rico) is a financial holding company in the Regional Banks industry, with a market cap of approximately $3.46 billion and a recent net profit of $77 million. Key metrics include a P/E ratio of 12.00 and a dividend yield of 35.04%.

Overview:<BR>First BanCorp (Puerto Rico) is a financial holding company operating in the Regional Banks industry.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 277 Million (Quarterly Results - Mar 2025)<BR>Most recent Net Profit: 77 Million (Quarterly Results - Mar 2025)<BR>Market cap: USD 3,459.67 Million (Small Cap)<BR><BR>Key Metrics:<BR>P/E: 12.00<BR>Dividend Yield: 35.04%<BR>Debt Equity: 0.00<BR>Return on Equity: 16.99%<BR>Price to Book: 1.94<BR><BR>Contact Details:<BR>Address: Piso 9 Pda. 23 Santurce, SAN JUAN None: 00908<BR>Tel: ['1 787 7298200', '1 787 7298003']<BR>Website: https://www.1firstbank.com/pr/es/

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Who are in the management team of First BanCorp (Puerto Rico)?

22-Jun-2025

As of March 2022, the management team of First BanCorp (Puerto Rico) includes Independent Chairman Mr. Roberto Herencia, President and CEO Mr. Aurelio Aleman-Bermudez, and several independent directors, including Ms. Luz Crespo and Mrs. Tracey Dedrick.

As of March 2022, the management team of First BanCorp (Puerto Rico) includes the following individuals:<BR><BR>- Mr. Roberto Herencia, who serves as the Independent Chairman of the Board.<BR>- Mr. Aurelio Aleman-Bermudez, who is the President, Chief Executive Officer, and a Director.<BR>- Mr. Felix Villamil, who is a Director.<BR>- Ms. Luz Crespo, who is an Independent Director.<BR>- Mrs. Tracey Dedrick, who is an Independent Director.<BR>- Mr. Daniel Frye, who is an Independent Director.<BR>- Mr. Robert Gormley, who is an Independent Director.<BR><BR>In summary, the management team consists of a mix of independent directors and key executives, with Mr. Aurelio Aleman-Bermudez holding the top executive position.

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Is First BanCorp (Puerto Rico) overvalued or undervalued?

21-Oct-2025

As of October 17, 2025, First BanCorp is considered overvalued with a P/E ratio of 12, a price to book value of 2.03, and a PEG ratio of 2.20, underperforming the S&P 500 and positioned less favorably compared to peers like Glacier Bancorp and Hancock Whitney Corp.

As of 17 October 2025, the valuation grade for First BanCorp (Puerto Rico) has moved from fair to expensive. The company appears overvalued based on its current valuation metrics. The P/E ratio stands at 12, while the industry average is higher, indicating a premium valuation. Additionally, the price to book value is 2.03, and the PEG ratio is 2.20, both suggesting that the stock may be overvalued relative to its growth prospects.<BR><BR>In comparison to its peers, Glacier Bancorp, Inc. has a significantly higher P/E ratio of 26.08, while Hancock Whitney Corp. is more attractively valued at a P/E of 12.21. This positions First BanCorp in a less favorable light among its competitors. Over the past year, First BanCorp has underperformed the S&P 500, with a return of -4.06% compared to the index's 14.08%, reinforcing the notion that the stock may not be a compelling investment at its current valuation.

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Is First BanCorp (Puerto Rico) technically bullish or bearish?

28-Oct-2025

As of October 24, 2025, First BanCorp's technical trend has shifted to neutral with mixed indicators showing bearish tendencies, underperforming the S&P 500 recently but still positive year-to-date and over five years, suggesting caution in the current market.

As of 24 October 2025, the technical trend for First BanCorp (Puerto Rico) has changed from mildly bullish to sideways. The current stance is neutral, with a mix of indicators showing bearish tendencies. The MACD is mildly bearish on both weekly and monthly time frames, while the KST and Dow Theory also indicate a mildly bearish outlook. The Bollinger Bands present a bearish signal on the weekly chart but are mildly bullish on the monthly chart. Daily moving averages are mildly bullish, providing some support. <BR><BR>In terms of performance, the stock has underperformed compared to the S&P 500 over the past week (-1.12% vs. +1.92%) and month (-8.04% vs. +2.32%), but it has shown positive returns year-to-date (9.47% vs. 15.47%) and over the past five years (205.56% vs. 95.99%). Overall, the mixed signals suggest caution in the current market environment.

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iScoreScore
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Strong Sell
Sell
Hold
Buy
Strong Buy

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Dashboard
1

High Profitability with a Net Interest Margin of 8.03%

 
2

The Bank has a high Capital Adequacy Ratio of 16.91% signifying high buffers against its risk based assets

 
3

Healthy long term growth as Net profit has grown by an annual rate of 21.14%

 
4

Positive results in Jun 25

5

With ROA of 1.09%, it has a fair valuation with a 2.03 Price to Book Value

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Regional Banks

stock-summary
Market cap

USD 3,890 Million (Small Cap)

stock-summary
P/E

12.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

32.08%

stock-summary
Debt Equity

0.00

stock-summary
Return on Equity

16.62%

stock-summary
Price to Book

2.11

Revenue and Profits:
Net Sales:
278 Million
(Quarterly Results - Jun 2025)
Net Profit:
80 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-8.73%
0%
-8.73%
6 Months
1.75%
0%
1.75%
1 Year
-0.83%
0%
-0.83%
2 Years
28.1%
0%
28.1%
3 Years
35.6%
0%
35.6%
4 Years
53.12%
0%
53.12%
5 Years
131.33%
0%
131.33%

First BanCorp (Puerto Rico) for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
10.82%
EBIT Growth (5y)
17.61%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
35.41%
Pledged Shares
0
Institutional Holding
99.13%
ROCE (avg)
0
ROE (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
2.03
EV to EBIT
7.07
EV to EBITDA
6.63
EV to Capital Employed
3.47
EV to Sales
2.33
PEG Ratio
2.20
Dividend Yield
33.59%
ROCE (Latest)
49.09%
ROE (Latest)
16.99%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Sideways
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
No Trend
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 84 Schemes (56.03%)

Foreign Institutions

Held by 126 Foreign Institutions (8.61%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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stock-summaryCompany CV
About First BanCorp (Puerto Rico) stock-summary
stock-summary
First BanCorp (Puerto Rico)
Regional Banks
First BanCorp. is a financial holding company. As of December 31, 2016, the Company controlled two subsidiaries: FirstBank Puerto Rico (the Bank or FirstBank) and FirstBank Insurance Agency, Inc. (FirstBank Insurance Agency). It operates in six segments: Commercial and Corporate Banking, which consists of lending and other services; Consumer (Retail) Banking, which consists of consumer lending and deposit-taking activities; Mortgage Banking, which consists of the origination, sale, and servicing of a range of residential mortgage loan products and related hedging activities; Treasury and Investments, which consists of treasury and investment management functions; United States Operations, which consists of all banking activities conducted by FirstBank on the United States mainland, and Virgin Islands Operations, which consists of banking activities conducted by FirstBank in the United States Virgin Islands and British Virgin Islands, including retail and commercial banking services.
Company Coordinates stock-summary
Company Details
Piso 9 Pda. 23 Santurce , SAN JUAN None : 00908
stock-summary
Tel: 1 787 72982001 787 7298003
stock-summary
Registrar Details