First BanCorp (Puerto Rico) (FBP) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Cathay General Bancorp

First BanCorp (Puerto Rico)

International Bancshares Corp.

Glacier Bancorp, Inc.

United Community Banks, Inc.

United Bankshares, Inc. (West Virginia)

Ameris Bancorp

ServisFirst Bancshares, Inc.

BancFirst Corp. (Oklahoma)

First Interstate BancSystem, Inc.

Hancock Whitney Corp.

Why is First BanCorp (Puerto Rico) ?

High Profitability with a Net Interest Margin of 8.03%

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

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

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

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 4.92%, its profits have risen by 0.1% ; the PEG ratio of the company is 2.2

Real-Time Research Report

Verdict Report

How much should you hold?

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)

22.16%

0.81

28.75%

S&P 500

22.99%

0.70

20.15%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

10.14%

EBIT Growth (5y)

18.79%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

33.56%

Pledged Shares

Institutional Holding

100.00%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.84

EV to EBIT

8.16

EV to EBITDA

7.75

EV to Capital Employed

2.05

EV to Sales

2.88

PEG Ratio

0.53

Dividend Yield

36.41%

ROCE (Latest)

25.16%

ROE (Latest)

17.53%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

Mildly Bullish

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

16What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 453.05 MM

ROCE(HY)

Highest at 1.87%

DIVIDEND PER SHARE(HY)

Highest at USD 0

OPERATING PROFIT(Q)

Highest at USD 114.26 MM

OPERATING PROFIT MARGIN(Q)

Highest at 40.83 %

PRE-TAX PROFIT(Q)

Highest at USD 114.26 MM

GROSS NPA (%)

CREDIT DEPOSIT RATIO(HY)

Highest at 78.88%

-3What is not working for the Company

ROCE(HY)

Lowest at 1.87%

CASH AND EQV(HY)

Lowest at USD 1,206.35 MM

Here's what is working for First BanCorp (Puerto Rico)

Operating Cash Flow

Highest at USD 453.05 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Operating Profit

Highest at USD 114.26 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Operating Profit trend is quite positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 40.83 % and Grown

In each period in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 114.26 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Non Performing Loans (%)

Lowest at 0.67%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Credit Deposit Ratio

Highest at 78.88%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Here's what is not working for First BanCorp (Puerto Rico)

Cash and Eqv

Lowest at USD 1,206.35 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents