First BanCorp. (FBP) is a Banks - Regional company in the Financial Services sector, currently trading at $22.76. It has a SharesGrow Score of 73/100, indicating a above average investment profile with 4 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of FBP = $46.35 (+103.6% from the current price, the stock appears undervalued). Analyst consensus target is FBP = $24 (+6.5% upside).
Valuation: FBP trades at a trailing Price-to-Earnings (P/E) of 10.2 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 1.2.
Financials: revenue is $1.3B, +9.8%/yr average growth. Net income is $345M, growing at +4.5%/yr. Net profit margin is 27.4% (strong). Gross margin is 72.9% (-17.1 pp trend).
Balance sheet: total debt is $364M against $2.0B equity (Debt-to-Equity (D/E) ratio 0.19, conservative). Current ratio is 6.85 (strong liquidity). Debt-to-assets is 1.9%. Total assets: $19.1B.
Analyst outlook: 11 / 15 analysts rate FBP as buy (73%) — strong consensus.
SharesGrow 7-Criteria breakdown: Value 69/100 (Pass), Growth 55/100 (Partial), Past 100/100 (Pass), Health 67/100 (Partial), Moat 59/100 (Partial), Future 73/100 (Pass), Income 85/100 (Pass).
