Stock Scorecard
Stock Summary for First Bancorp PR (FBP) - $21.50 as of 12/23/2025 3:03:47 PM EST
Total Score
15 out of 30
Safety Score
62 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for FBP
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for FBP
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for FBP
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for FBP
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for FBP (62 out of 100)
| Stock Price Rating (Max of 10) | 7 |
| Historical Stock Price Rating (Max of 10) | 5 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 5 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 4 |
| Analyst Strong Buy Ratings (Max of 5) | 3 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 8 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for FBP
Financial Details for FBP
Company Overview |
|
|---|---|
| Ticker | FBP |
| Company Name | First Bancorp PR |
| Country | USA |
| Description | First Bancorp, based in Santurce, Puerto Rico, is a leading financial institution driven by its subsidiary, FirstBank. The company offers a comprehensive suite of banking services, including retail banking, mortgage lending, and commercial finance, primarily focusing on clients in Puerto Rico and the U.S. Virgin Islands. With a commitment to community development and a strategy centered on sustainable growth, First Bancorp is strategically positioned to capitalize on emerging opportunities in the Caribbean market while enhancing shareholder value as a publicly traded entity. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | 1/22/2026 |
Stock Price History |
|
| Last Day Price | 21.50 |
| Price 4 Years Ago | 11.95 |
| Last Day Price Updated | 12/23/2025 3:03:47 PM EST |
| Last Day Volume | 794,435 |
| Average Daily Volume | 1,303,918 |
| 52-Week High | 22.36 |
| 52-Week Low | 15.98 |
| Last Price to 52 Week Low | 34.54% |
Valuation Measures |
|
| Trailing PE | 10.48 |
| Industry PE | 21.72 |
| Sector PE | 21.74 |
| 5-Year Average PE | 9.64 |
| Free Cash Flow Ratio | 3.78 |
| Industry Free Cash Flow Ratio | 8.33 |
| Sector Free Cash Flow Ratio | 54.74 |
| Current Ratio Most Recent Quarter | 0.30 |
| Total Cash Per Share | 5.69 |
| Book Value Per Share Most Recent Quarter | 12.13 |
| Price to Book Ratio | 1.77 |
| Industry Price to Book Ratio | 1.20 |
| Sector Price to Book Ratio | 1.83 |
| Price to Sales Ratio Twelve Trailing Months | 3.82 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.49 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.84 |
| Analyst Buy Ratings | 4 |
| Analyst Strong Buy Ratings | 1 |
Share Statistics |
|
| Total Shares Outstanding | 157,937,000 |
| Market Capitalization | 3,395,645,500 |
| Institutional Ownership | 99.53% |
Dividends |
|
| Ex-Dividend Date | 11/28/2025 |
| Previous Dividend Amount | 0.1800 |
| Current Dividend Amount | 0.1800 |
| Total Years Dividend Increasing | 6 |
| Trailing Annual Dividend Rate | 0.72 |
| Trailing Annual Dividend Yield | 3.35% |
| Forward Annual Dividend Rate | 0.72 |
| Forward Annual Dividend Yield | 3.35% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 12.50% |
| 3-Year Dividend Growth Rate Percentage | 13.39% |
| 5-Year Dividend Growth Rate Percentage | 23.45% |
| All-Time Dividend Growth Rate Percentage | 3.62% |
| Dividend Payout Ratio | 35.12% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 40.00% |
| Annual Earnings Growth | -1.37% |
| Reported EPS 12 Trailing Months | 2.05 |
| Reported EPS Past Year | 1.60 |
| Reported EPS Prior Year | 1.81 |
| Net Income Twelve Trailing Months | 333,466,000 |
| Net Income Past Year | 298,724,000 |
| Net Income Prior Year | 302,864,000 |
| Quarterly Revenue Growth YOY | 5.40% |
| 5-Year Revenue Growth | 10.30% |
| Operating Margin Twelve Trailing Months | 47.40% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 898,627,000 |
| Total Cash Past Year | 1,158,715,000 |
| Total Cash Prior Year | 662,225,000 |
| Net Cash Position Most Recent Quarter | 608,627,000 |
| Net Cash Position Past Year | 597,015,000 |
| Long Term Debt Past Year | 561,700,000 |
| Long Term Debt Prior Year | 661,700,000 |
| Total Debt Most Recent Quarter | 290,000,000 |
| Equity to Debt Ratio Past Year | 0.75 |
| Equity to Debt Ratio Most Recent Quarter | 0.87 |
| Total Stockholder Equity Past Year | 1,669,236,000 |
| Total Stockholder Equity Prior Year | 1,497,609,000 |
| Total Stockholder Equity Most Recent Quarter | 1,918,045,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 429,520,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 2.72 |
| Free Cash Flow Past Year | 394,142,000 |
| Free Cash Flow Prior Year | 340,364,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.41 |
| MACD Signal | 0.26 |
| 20-Day Bollinger Lower Band | 19.15 |
| 20-Day Bollinger Middle Band | 20.93 |
| 20-Day Bollinger Upper Band | 22.70 |
| Beta | 0.91 |
| RSI | 64.36 |
| 50-Day SMA | 19.98 |
| 150-Day SMA | 16.79 |
| 200-Day SMA | 15.70 |
System |
|
| Modified | 12/22/2025 10:41:19 PM EST |