First BanCorp (Puerto Rico) (FBP): Price and Financial Metrics

FBP POWR Grades

• Momentum is the dimension where FBP ranks best; there it ranks ahead of 80.45% of US stocks.
• FBP's strongest trending metric is Sentiment; it's been moving down over the last 177 days.
• FBP's current lowest rank is in the Sentiment metric (where it is better than 17.37% of US stocks).

FBP Stock Summary

• FBP's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 94.19% of US stocks.
• With a year-over-year growth in debt of -52.25%, FIRST BANCORP's debt growth rate surpasses just 5.08% of about US stocks.
• Shareholder yield, a measure of how much is returned to shareholders via dividends and share repurchases, for FBP comes in at 31.96% -- higher than that of 95.45% of stocks in our set.
• If you're looking for stocks that are quantitatively similar to FIRST BANCORP, a group of peers worth examining would be CBFV, NWFL, EBMT, MRBK, and OPOF.
• FBP's SEC filings can be seen here. And to visit FIRST BANCORP's official web site, go to www.1firstbank.com.

FBP Valuation Summary

• FBP's price/sales ratio is 2.8; this is 3.45% lower than that of the median Financial Services stock.
• Over the past 243 months, FBP's EV/EBIT ratio has gone down 40.

Below are key valuation metrics over time for FBP.

FBP Growth Metrics

The year over year net income to common stockholders growth rate now stands at 88.95%.
• The 5 year net income to common stockholders growth rate now stands at 30.8%.
• Its 5 year net cashflow from operations growth rate is now at 31.69%.

FBP's revenue has moved up $280,525,000 over the prior 33 months.

The table below shows FBP's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-09-30	897.953	430.918	303.857
2022-06-30	902.904	394.803	304.263
2022-03-31	926.602	401.877	299.457
2021-12-31	916.791	399.721	277.338
2021-09-30	890.342	430.659	254.848
2021-06-30	795.287	399.865	207.783

FBP's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• FBP has a Quality Grade of C, ranking ahead of 43.29% of graded US stocks.
• FBP's asset turnover comes in at 0.041 -- ranking 165th of 428 Banking stocks.
• LC, UCBI, and BPOP are the stocks whose asset turnover ratios are most correlated with FBP.

The table below shows FBP's key quality metrics over time.