Price Alert

First BanCorp. (FBP)

NYSE: FBP · Real-Time Price · USD

22.05

-0.28 (-1.25%)

At close: Sep 05, 2025, 3:59 PM

22.43

1.72%

After-hours: Sep 05, 2025, 06:09 PM EDT

First Ban Statistics

Share Statistics

First Ban has 160.47M shares outstanding. The number of shares has increased by -1.42% in one year.

Shares Outstanding	160.47M
Shares Change (YoY)	-1.42%
Shares Change (QoQ)	-1.42%
Owned by Institutions (%)	94.63%
Shares Floating	156.89M
Failed to Deliver (FTD) Shares	98
FTD / Avg. Volume	0.01%

Short Selling Information

The latest short interest is 3.71M, so 2.31% of the outstanding shares have been sold short.

Short Interest	3.71M
Short % of Shares Out	2.31%
Short % of Float	3.39%
Short Ratio (days to cover)	2.85

Valuation Ratios

The PE ratio is 10.24 and the forward PE ratio is 10.29. First Ban's PEG ratio is 1.76.

PE Ratio	10.24
Forward PE	10.29
PS Ratio	2.56
Forward PS	3.3
PB Ratio	1.83
P/FCF Ratio	7.76
PEG Ratio	1.76

Financial Ratio History

Enterprise Valuation

First Ban has an Enterprise Value (EV) of 2.46B.

EV / Sales	2.06
EV / EBITDA	5.92
EV / EBIT	6.09
EV / FCF	6.25

Financial Position

The company has a current ratio of 0.34, with a Debt / Equity ratio of 0.34.

Current Ratio	0.34
Quick Ratio	0.34
Debt / Equity	0.34
Debt / EBITDA	1.35
Debt / FCF	1.43
Interest Coverage	1.36

Financial Efficiency

Return on Equity is 17.9% and Return on Invested Capital is 12.34%.

Return on Equity	17.9%
Return on Assets	1.55%
Return on Invested Capital	12.34%
Revenue Per Employee	$383.15K
Profits Per Employee	$95.96K
Employee Count	3,113
Asset Turnover	0.06
Inventory Turnover	n/a

Taxes

Income Tax	92.48M
Effective Tax Rate	23.64%

Stock Price Statistics

The stock price has increased by 8.3% in the last 52 weeks. The beta is 0.96, so First Ban's price volatility has been higher than the market average.

Beta	0.96
52-Week Price Change	8.3%
50-Day Moving Average	21.47
200-Day Moving Average	20.08
Relative Strength Index (RSI)	56.95
Average Volume (20 Days)	1,142,532

Income Statement

In the last 12 months, First Ban had revenue of 1.19B and earned 298.72M in profits. Earnings per share was 1.82.

Revenue	1.19B
Gross Profit	843.72M
Operating Income	391.21M
Net Income	298.72M
EBITDA	416.2M
EBIT	391.1M
Earnings Per Share (EPS)	1.82

Full Income Statement

Balance Sheet

The company has 1.16B in cash and 561.7M in debt, giving a net cash position of 597.01M.

Cash & Cash Equivalents	1.16B
Total Debt	561.7M
Net Cash	597.01M
Retained Earnings	1.81B
Total Assets	18.9B
Working Capital	5.3B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 404.15M and capital expenditures -10.01M, giving a free cash flow of 394.14M.

Operating Cash Flow	404.15M
Capital Expenditures	-10.01M
Free Cash Flow	394.14M
FCF Per Share	2.4

Full Cash Flow Statement

Margins

Gross margin is 70.74%, with operating and profit margins of 32.8% and 25.04%.

Gross Margin	70.74%
Operating Margin	32.8%
Pretax Margin	32.8%
Profit Margin	25.04%
EBITDA Margin	34.89%
EBIT Margin	32.8%
FCF Margin	33.04%

Dividends & Yields

FBP pays an annual dividend of $0.86, which amounts to a dividend yield of 3.16%.

Dividend Per Share	$0.86
Dividend Yield	3.16%
Dividend Growth (YoY)	12.5%
Payout Ratio	45.74%
Earnings Yield	9.77%
FCF Yield	12.88%

Dividend Details

Analyst Forecast

The average price target for FBP is $25, which is 13.4% higher than the current price. The consensus rating is "Buy".

Price Target	$25
Price Target Difference	13.4%
Analyst Consensus	Buy
Analyst Count	3

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	$45.5
Lynch Upside	106.35%
Graham Number	20.36
Graham Upside	-7.66%

Stock Splits

The last stock split was on Jan 7, 2011. It was a backward split with a ratio of 1:15.

Last Split Date	Jan 7, 2011
Split Type	backward
Split Ratio	1:15

Scores

Altman Z-Score	0.74
Piotroski F-Score	6