ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is First BanCorp (Puerto Rico) ?
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
- NII(Q) Highest at USD 215.86 MM
- OPERATING CASH FLOW(Y) Highest at USD 413.07 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
5
With ROA of 1.09%, it has a fair valuation with a 2.03 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -0.83%, its profits have risen by 0.1% ; the PEG ratio of the company is 2.2
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to First BanCorp (Puerto Rico) should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is First BanCorp (Puerto Rico) for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
First BanCorp (Puerto Rico)
-0.83%
0.67
28.50%
S&P 500
13.22%
0.65
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
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
ValuationValuation 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%
TechnicalsTechnical 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
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
NII(Q)
Highest at USD 215.86 MM
OPERATING CASH FLOW(Y)
Highest at USD 413.07 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(Q)
Highest at 0.78%
DIVIDEND PAYOUT RATIO(Y)
Highest at 36.26%
OPERATING PROFIT(Q)
Highest at USD 102.89 MM
PRE-TAX PROFIT(Q)
Highest at USD 102.89 MM
NET PROFIT(Q)
Highest at USD 80.18 MM
EPS(Q)
Highest at USD 0.5
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for First BanCorp (Puerto Rico)
NII
Highest at USD 215.86 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Credit Deposit Ratio
Highest at 0.78% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Operating Cash Flow
Highest at USD 413.07 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit
Highest at USD 102.89 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 102.89 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 80.18 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.5
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend Payout Ratio
Highest at 36.26%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
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