FBP Valuation

First BanCorp

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22.070

-0.02(-0.091%)1D

Overview
Forecast
Valuation
Earnings

FBP Relative Valuation

FBP's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, FBP is overvalued; if below, it's undervalued.

Historical Valuation

First BanCorp (FBP) is now in the Fair zone, suggesting that its current forward PE ratio of 10.85 is considered Fairly compared with the five-year average of 9.75. The fair price of First BanCorp (FBP) is between 19.22 to 23.39 according to relative valuation methord.

Relative Value

Fair Zone

19.22-23.39

Current Price：22.07

Fair

10.85

Trailing

Forward

0.00

EV/EBITDA

First BanCorp. (FBP) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

First BanCorp. (FBP) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

3.37

First BanCorp. (FBP) has a current PS of 3.37. The 5-year average PS is 2.90. The thresholds are as follows: Strongly Undervalued below 2.08, Undervalued between 2.08 and 2.49, Fairly Valued between 3.31 and 2.49, Overvalued between 3.31 and 3.72, and Strongly Overvalued above 3.72. The current Forward PS of 3.37 falls within the Overvalued range.

0.00

P/OCF

First BanCorp. (FBP) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

First BanCorp. (FBP) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

First BanCorp (FBP) has a current Price-to-Book (P/B) ratio of 1.92. Compared to its 3-year average P/B ratio of 1.90 , the current P/B ratio is approximately 1.07% higher. Relative to its 5-year average P/B ratio of 1.64, the current P/B ratio is about 17.12% higher. First BanCorp (FBP) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 13.07%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 13.31% , the current FCF yield is about -100.00% lower.

1.92

P/B

Median3y

1.90

Median5y

1.64

11.65

FCF Yield

Median3y

13.07

Median5y

13.31

Competitors Valuation Multiple

The average P/S ratio for FBP's competitors is 9.01, providing a benchmark for relative valuation. First BanCorp Corp (FBP) exhibits a P/S ratio of , which is -100.00% above the industry average. Given its robust revenue growth of 7.39%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Independent Bank Corp (Massachusetts)

First Interstate Bancsystem Inc

Cathay General Bancorp

Loss

8.66%

3.38B

Performance Decomposition

Market capitalization of FBP increased by 6.09% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 219.47M to 235.69M.

The secondary factor is the P/E Change, contributed 0.23%to the performance.

Overall, the performance of FBP in the past 1 year is driven by Revenue Growth. Which is more sustainable.

7.39%

219.47M → 235.69M

Revenue Growth

-1.53%

34.55 → 34.02

Margin Expansion

0.23%

11.71 → 11.74

P/E Change

6.09%