First BanCorp. (FBP)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 677 | 817 | 887 | 897 | 905 | 1,002 | 1,023 | - |
| Operating profit | $m | 417 | 448 | ||||||
| Net profit | $m | 102 | 281 | 305 | 303 | 299 | 345 | 373 | 384 |
| EPS reported | $ | 2.15 | 2.37 | ||||||
| Operating cashflow per share | $ | 2.78 | 2.97 | ||||||
| Capex per share | $ | 0.07 | 0.11 | ||||||
| FCF per share | $ | 2.71 | 2.86 | ||||||
| Free cash flow | $m | 434 | 438 | ||||||
| Net debt | $m | -350 | -360 | ||||||
| Book value equity | $m | 1,967 | 1,977 | ||||||
| Book value per share | $ | 12.24 | 12.82 | ||||||
| Number of shares | m | 160.74 | 154.16 | ||||||
| DPS (TTM paid) | $ | 0.72 | 0.78 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.64 | 11.42 | ||||||
| P/B LTM | x | 1.69 | 1.68 | ||||||
| P/S LTM | x | 3.31 | 3.24 | ||||||
| P/FCF LTM | x | 7.64 | 7.56 | ||||||
| EV/EBITDA LTM | x | 6.91 | 6.55 | ||||||
| EV/Sales LTM | x | 2.41 | 3.29 | ||||||
| Earnings Yield LTM | % | +10.37% | +8.76% | ||||||
| FCF Yield | % | +13.09% | +13.22% | ||||||
| Quality | |||||||||
| ROE | % | +17.53% | +19.03% | ||||||
| ROIC | % | +1.80% | +1.94% | ||||||
| Operating margin | % | +33.16% | +35.34% | ||||||
| Gross margin | % | +72.93% | +74.77% | ||||||
| FCF/Sales | % | +34.54% | +34.58% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +18.78% | +30.94% | ||||||
| Sales Growth YoY | % | +10.75% | +13.03% | ||||||
| Net Income Growth YoY | % | +15.45% | +24.72% | ||||||
| FCF Growth | % | +10.12% | +11.23% | ||||||
| Operating Profit Growth | % | +6.53% | +14.52% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.48% | +2.56% | ||||||
| Dividend Growth | % | +12.50% | +21.88% | ||||||
| Payout Ratio | % | +33.43% | +32.12% | ||||||
| FCF/Debt | x | 1.19 | 2.19 | ||||||
| Net Debt/EBITDA | x | -0.67 | -0.78 | ||||||
| EBIT/Net interest | x | 1.64 | 1.83 | ||||||
| Net debt/market cap | % | +9.28% | +4.41% | ||||||
| Net debt/Equity | x | -0.18 | -0.18 | ||||||
| Gross debt/equity | x | 0.19 | 0.10 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
First BanCorp., operating as the holding company for FirstBank Puerto Rico, delivers a broad spectrum of financial services to retail, commercial, and institutional clients. The company's operations are structured into six key segments: Commercial and Corporate Banking, Mortgage Banking, Consumer (Retail) Banking, Treasury and Investments, United States Operations, and Virgin Islands Operations. The Commercial and Corporate Banking segment offers business financing, including commercial real estate, construction, and floor plan loans, alongside treasury and cash management services. Mortgage Banking handles the origination, sale, and servicing of residential mortgage loans, in addition to acquiring and selling mortgages in secondary markets. The Consumer (Retail) Banking segment provides personal financial products such as auto, boat, credit card, and personal loans, lines of credit, and various deposit accounts like checking, savings, IRAs, and retail CDs, complemented by finance leasing and insurance agency services. The Treasury and Investments segment is responsible for funding and liquidity management. Its United States Operations offer a range of deposit products, including checking, savings, money market accounts, and retail CDs, along with traditional commercial and industrial and commercial real estate loans, and digital services such as internet banking and cash management. Lastly, the Virgin Islands Operations concentrate on consumer and commercial lending as well as deposit-taking activities. First BanCorp. boasts an extensive branch network, comprising 64 locations in Puerto Rico, 8 in the U.S. and British Virgin Islands, and 11 branches in Florida. Established in 1948, the company is headquartered in San Juan, Puerto Rico.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
First BanCorp., operating as the holding company for FirstBank Puerto Rico, delivers a broad spectrum of financial services to retail, commercial, and institutional clients. The company's operations are structured into six key segments: Commercial and Corporate Banking, Mortgage Banking, Consumer (Retail) Banking, Treasury and Investments, United States Operations, and Virgin Islands Operations. The Commercial and Corporate Banking segment offers business financing, including commercial real estate, construction, and floor plan loans, alongside treasury and cash management services. Mortgage Banking handles the origination, sale, and servicing of residential mortgage loans, in addition to acquiring and selling mortgages in secondary markets. The Consumer (Retail) Banking segment provides personal financial products such as auto, boat, credit card, and personal loans, lines of credit, and various deposit accounts like checking, savings, IRAs, and retail CDs, complemented by finance leasing and insurance agency services. The Treasury and Investments segment is responsible for funding and liquidity management. Its United States Operations offer a range of deposit products, including checking, savings, money market accounts, and retail CDs, along with traditional commercial and industrial and commercial real estate loans, and digital services such as internet banking and cash management. Lastly, the Virgin Islands Operations concentrate on consumer and commercial lending as well as deposit-taking activities. First BanCorp. boasts an extensive branch network, comprising 64 locations in Puerto Rico, 8 in the U.S. and British Virgin Islands, and 11 branches in Florida. Established in 1948, the company is headquartered in San Juan, Puerto Rico.
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