Need an investment idea? Check out Popular Stocks and S2O Stock Screener.

Market Price

9.34 

-0.32 -3.3%

as of Aug 23 '19

52 Week Range:

7.91 11.94


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

First BanCorp. operates as the bank holding company for FirstBank Puerto Rico that provides a range of financial products and services to retail, commercial, and institutional clients. The company operates in six segments: Commercial and Corporate Banking, Consumer (Retail) Banking, Mortgage Banking, Treasury and Investments, United States Operations, and Virgin Islands Operations. The Commercial and Corporate Banking segment offers commercial real estate and construction loans, floor plan financing, and cash and business management services, as well as broker-dealer services. The Consumer (Retail) Banking segment provides auto, boat, and personal loans; credit cards; lines of credit; deposit products comprising interest bearing and non-interest bearing checking and savings accounts, individual retirement accounts, and retail certificates of deposit (CDs); finance leasing and insurance services. The Mortgage Banking segment is involved in the origination, sale, and servicing of various residential mortgage loan products and related hedging activities; and acquisition and sale of mortgages in the secondary markets. The Treasury and Investments segment engages in the treasury and investment management activities, such as funding and liquidity management. The United States Operations segment offers checking, savings, and money market accounts, as well as retail CDs; and residential mortgages, home equity loans, lines of credit, automobile loans, and term loans, as well as Internet banking, cash management, remote data capture, automated clearing house transaction services. The Virgin Islands Operations segment is involved in the consumer, commercial lending, and deposit-taking activities. As of December 31, 2018, the company operated 46 branches in Puerto Rico, 11 branches in the U.S. Virgin Islands and British Virgin Islands, and 10 branches in the state of Florida. First BanCorp. was founded in 1948 and is headquartered in Santurce, Puerto Rico.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 161.82
108.69
29.71
2.71
6.89
5.59
6.05
7.74
8.11
8.40
8.71
growth rate -32.8% -72.7% -90.9% 154.2% -18.9% 8.2% 27.9% 4.8% 3.6% 3.7%
Earnings BIT 78.21
-270.65
-421.17
-72.91
35.71
-159.32
129.39
61.77
164.13
92.32
growth rate -100.0% 0.0% 0.0% 100.0% -100.0% 100.0% -52.3% 165.7% -43.8%
Avg.PE 14.81
4.14
43.67
1.81
31.65
17.12
13.96
31.50
13.91
20.87
11.48
growth rate -72.1% 954.8% -95.9% 1,648.6% -45.9% -18.5% 125.6% -55.8% 50.0% -45.0%
ROA 0.38
-1.65
-0.69
1.21
0.23
-1.28
3.10
0.17
0.76
0.53
1.62
growth rate -100.0% 0.0% 100.0% -81.0% -100.0% 100.0% -94.5% 347.1% -30.3% 205.7%
ROE 7.45
-38.60
-18.73
17.20
2.13
-12.78
28.26
1.29
5.46
3.59
10.36
growth rate -100.0% 0.0% 100.0% -87.6% -100.0% 100.0% -95.4% 323.3% -34.3% 188.6%
ROIC 24.12
5.76
7.26
22.84
8.53
-1.97
25.10
growth rate -76.1% 26.0% 214.6% -62.7% -100.0% 100.0%
Leverage 19.53
29.27
24.64
9.51
9.21
10.98
7.78
7.58
6.81
6.69
6.10
growth rate 49.9% -15.8% -61.4% -3.2% 19.2% -29.1% -2.6% -10.2% -1.8% -8.8%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 11.78
51.67
54.01
50.80
8.90
15.00
26.10
17.80
growth rate 338.7% 4.5% -6.0% -82.5% 68.5% 74.0% -31.8%
Acct.Payable 1.87
109.77
129.18
9,589.95
9,486.47
8,940.57
9,160.51
9,116.22
growth rate 5,763.9% 17.7% 7,323.5% -1.1% -5.8% 2.5% -0.5%
Cur.Assets 1,062.13
1,005.75
555.68
985.70
833.55
growth rate -5.3% -44.8% 77.4% -15.4%
Total Assets 19,491.30
19,628.40
15,593.10
3,290.47
13,099.70
12,656.90
12,727.84
12,573.02
11,922.46
12,261.27
12,243.56
growth rate 0.7% -20.6% -78.9% 298.1% -3.4% 0.6% -1.2% -5.2% 2.8% -0.1%
Cash 329.70
679.80
254.70
456.78
500.30
-291.20
671.11
491.96
23.49
379.30
165.00
growth rate 106.2% -62.5% 79.3% 9.5% -100.0% 100.0% -26.7% -95.2% 1,515.1% -56.5%
Inventory 138.23
159.02
144.98
152.74
134.98
growth rate 15.0% -8.8% 5.4% -11.6%
Cur.Liabilities 9,599.13
9,496.99
9,118.43
9,267.84
9,379.31
growth rate -1.1% -4.0% 1.6% 1.2%
Liabilities 17,943.20
18,029.40
14,535.10
2,945.32
11,614.70
11,441.10
11,056.09
10,878.89
10,136.21
10,392.17
10,198.86
growth rate 0.5% -19.4% -79.7% 294.3% -1.5% -3.4% -1.6% -6.8% 2.5% -1.9%
LT Debt 2,008.00
2,009.00
2,010.00
2,011.00
0.00
532.00
1,456.96
1,381.49
1,016.19
1,123.64
819.15
growth rate 0.1% 0.1% 0.1% -100.0% 173.9% -5.2% -26.4% 10.6% -27.1%
Equity 1,548.10
1,599.10
1,058.00
345.15
1,485.00
1,152.80
1,635.64
1,658.03
1,750.14
1,832.99
2,008.60
growth rate 3.3% -33.8% -67.4% 330.3% -22.4% 41.9% 1.4% 5.6% 4.7% 9.6%
Common Shares 6.00
6.00
11.00
90.00
206.00
206.00
211.00
213.00
216.00
216.00
217.00
growth rate 0.0% 83.3% 718.2% 128.9% 0.0% 2.4% 1.0% 1.4% 0.0% 0.5%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 32.80
40.30
32.00
6.61
11.94
11.79
22.26
12.46
10.37
9.42
20.51
growth rate 22.9% -20.6% -79.4% 80.7% -1.2% 88.8% -44.1% -16.8% -9.2% 117.8%
Cash Dividends 66.20
43.10
0.00
8.24
8.46
7.51
0.22
0.22
0.22
2.68
9.19
growth rate -34.9% -100.0% 2.7% -11.3% -97.0% 0.0% 0.0% 1,100.0% 243.5%
Cash From OA 175.90
243.20
237.20
37.05
228.85
341.69
264.35
261.89
199.43
235.96
288.32
growth rate 38.3% -2.5% -84.4% 517.8% 49.3% -22.6% -0.9% -23.9% 18.3% 22.2%
FCF per Share 23.17
32.91
18.14
7.97
1.05
1.40
1.41
1.00
0.79
1.23
1.10
growth rate 42.0% -44.9% -56.1% -86.8% 33.3% 0.7% -29.1% -21.0% 55.7% -10.6%
Sale Purchase of Stock -1.77
1.04
-0.46
-1.01
-1.17
-1.13
-2.50
growth rate 100.0% -100.0% 0.0% 0.0% 0.0% 0.0%
FCF 143.00
203.00
205.00
144.00
217.00
330.00
242.00
249.00
189.00
227.00
268.00
growth rate 42.0% 1.0% -29.8% 50.7% 52.1% -26.7% 2.9% -24.1% 20.1% 18.1%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 602.50
661.30
579.60
181.98
687.17
630.30
471.32
438.34
480.04
481.21
528.77
growth rate 9.8% -12.4% -68.6% 277.6% -8.3% -25.2% -7.0% 9.5% 0.2% 9.9%
Op.Income 78.20
-270.70
-421.20
13.64
10.53
-181.18
152.79
109.80
156.55
158.23
194.33
growth rate -100.0% 0.0% 100.0% -22.8% -100.0% 100.0% -28.1% 42.6% 1.1% 22.8%
IBT 35.13
97.88
14.94
21.01
35.71
-159.32
91.64
27.72
130.26
61.98
190.64
growth rate 178.6% -84.7% 40.6% 70.0% -100.0% 100.0% -69.8% 370.0% -52.4% 207.6%
Net Income 109.90
-275.20
-524.30
13.64
29.80
-164.50
392.29
21.30
93.23
66.96
201.61
growth rate -100.0% 0.0% 100.0% 118.4% -100.0% 100.0% -94.6% 337.8% -28.2% 201.1%
EPS 11.25
-52.22
-10.79
2.18
0.14
-0.80
1.87
0.10
0.43
0.30
0.92
growth rate -100.0% 0.0% 100.0% -93.6% -100.0% 100.0% -94.7% 330.0% -30.2% 206.7%
Gross Profit 471.32
438.34
480.04
481.21
528.77
growth rate -7.0% 9.5% 0.2% 9.9%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT
growth rate
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable 20.80
18.70
17.80
18.80
18.40
growth rate -10.1% -4.8% 5.6% -2.1%
Acct.Payable 9,382.91
9,306.90
9,116.22
9,191.77
9,299.61
growth rate -0.8% -2.1% 0.8% 1.2%
Cur.Assets 1,185.62
928.68
833.55
827.30
970.49
growth rate -21.7% -10.2% -0.8% 17.3%
Total Assets 12,384.86
12,209.70
12,243.56
12,376.78
12,537.20
growth rate -1.4% 0.3% 1.1% 1.3%
Cash 888.40
656.77
165.00
589.58
740.29
growth rate -26.1% -74.9% 257.3% 25.6%
Inventory 147.63
139.21
134.98
134.75
123.83
growth rate -5.7% -3.0% -0.2% -8.1%
Cur.Liabilities 9,478.83
9,377.74
9,379.31
9,397.36
9,550.09
growth rate -1.1% 0.0% 0.2% 1.6%
Liabilities 10,483.18
10,282.29
10,198.86
10,276.32
10,384.22
growth rate -1.9% -0.8% 0.8% 1.1%
LT Debt 1,004.15
904.15
819.15
819.15
774.15
growth rate -10.0% -9.4% 0.0% -5.5%
Equity 1,865.58
1,891.31
2,008.60
2,064.35
2,116.87
growth rate 1.4% 6.2% 2.8% 2.5%
Common Shares 22.17
22.18
22.18
22.21
22.21
growth rate 0.0% 0.0% 0.1% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 5.16
5.81
4.40
4.05
6.27
growth rate 12.6% -24.4% -8.0% 54.8%
Cash Dividends 0.67
0.67
7.19
7.21
7.17
growth rate 0.0% 974.1% 0.3% -0.5%
Cash From OA 62.90
55.55
74.50
82.98
74.16
growth rate -11.7% 34.1% 11.4% -10.6%
Sale Purchase of Stock
growth rate
FCF 57.73
49.74
70.10
78.94
67.89
growth rate -13.9% 41.0% 12.6% -14.0%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 123.71
136.26
144.95
144.48
151.64
growth rate 10.2% 6.4% -0.3% 5.0%
Op.Income 40.90
52.22
57.75
57.63
65.02
growth rate 27.7% 10.6% -0.2% 12.8%
IBT 41.19
48.66
59.89
60.93
59.30
growth rate 18.1% 23.1% 1.8% -2.7%
Net Income 31.03
36.32
101.11
43.31
41.29
growth rate 17.1% 178.4% -57.2% -4.7%
EPS
growth rate
Gross Profit 123.71
136.26
144.95
144.48
151.64
growth rate 10.2% 6.4% -0.3% 5.0%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (49.58)

YOY Growth Grade:

E (23.46)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 11.49 9.66 13.72
EPS / Growth 6.1% 0.97 28.3%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 8.8%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 6.1% 7.4% 7.4%
Future PE 11.49 13.36 13.36
Future EPS 1.75 1.98 1.98
Value Price
MOS %
4.97
-46.8%
6.55
-29.9%
6.55
-29.9%
MOS Price 2.48 3.27 3.27
IRT 7.45 7.13 7.13

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.

Risk / Reward Ratios

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.