FBP
First Bancorp.·NYSE
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3.13 / 10
Netural
First BanCorp.'s fundamental analysis is rated Neutral with a 3.1/10 score. Strengths include a healthy gross profit margin of 36.7% and a robust total profit to EBIT ratio of 100%, indicating effective cost control and profitability. However, challenges arise in the net profit attributable to parent company shareholders ratio and the PB-ROE difference, which are below par. The net asset growth rate of 18.3% provides a positive offset, but overall the fundamentals are only moderate. Historical back-tests show mixed one-month returns, reinforcing a cautious stance.
Analysis Checks(6/10)
Net assets per share (growth rate compared to beginning of year %)
Value18.32
Score3/3
Weight9.65%
1M Return4.47%
Value18.32
Score3/3
Weight9.65%
1M Return4.47%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.06%
1M Return3.05%
Value100.00
Score1/3
Weight6.06%
1M Return3.05%
Profit-MV
Value0.21
Score0/3
Weight9.87%
1M Return4.15%
Value0.21
Score0/3
Weight9.87%
1M Return4.15%
PB-ROE
Value1.41
Score1/3
Weight10.06%
1M Return4.93%
Value1.41
Score1/3
Weight10.06%
1M Return4.93%
Asset-MV
Value-0.50
Score2/3
Weight16.18%
1M Return7.51%
Value-0.50
Score2/3
Weight16.18%
1M Return7.51%
Revenue-MV
Value0.16
Score3/3
Weight15.94%
1M Return7.25%
Value0.16
Score3/3
Weight15.94%
1M Return7.25%
Gross profit margin (%)
Value36.70
Score3/3
Weight6.91%
1M Return3.43%
Value36.70
Score3/3
Weight6.91%
1M Return3.43%
Total profit (YoY growth rate %)
Value4.82
Score1/3
Weight6.76%
1M Return3.23%
Value4.82
Score1/3
Weight6.76%
1M Return3.23%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight6.92%
1M Return3.43%
Value100.00
Score3/3
Weight6.92%
1M Return3.43%
Cash-MV
Value0.14
Score2/3
Weight11.67%
1M Return5.25%
Value0.14
Score2/3
Weight11.67%
1M Return5.25%
Net assets per share (growth rate compared to beginning of year %)
Value18.32
Score3/3
Weight9.65%
1M Return4.47%
Value18.32
Score3/3
Weight9.65%
1M Return4.47%
Revenue-MV
Value0.16
Score3/3
Weight15.94%
1M Return7.25%
Value0.16
Score3/3
Weight15.94%
1M Return7.25%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.06%
1M Return3.05%
Value100.00
Score1/3
Weight6.06%
1M Return3.05%
Gross profit margin (%)
Value36.70
Score3/3
Weight6.91%
1M Return3.43%
Value36.70
Score3/3
Weight6.91%
1M Return3.43%
Profit-MV
Value0.21
Score0/3
Weight9.87%
1M Return4.15%
Value0.21
Score0/3
Weight9.87%
1M Return4.15%
Total profit (YoY growth rate %)
Value4.82
Score1/3
Weight6.76%
1M Return3.23%
Value4.82
Score1/3
Weight6.76%
1M Return3.23%
PB-ROE
Value1.41
Score1/3
Weight10.06%
1M Return4.93%
Value1.41
Score1/3
Weight10.06%
1M Return4.93%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight6.92%
1M Return3.43%
Value100.00
Score3/3
Weight6.92%
1M Return3.43%
Asset-MV
Value-0.50
Score2/3
Weight16.18%
1M Return7.51%
Value-0.50
Score2/3
Weight16.18%
1M Return7.51%
Cash-MV
Value0.14
Score2/3
Weight11.67%
1M Return5.25%
Value0.14
Score2/3
Weight11.67%
1M Return5.25%
Is FBP fundamentally strong?
- FBP scores 3.13/10 on fundamentals and holds a Fair valuation at present. Backed by its 14.37% ROE, 33.85% net margin, 10.91 P/E ratio, 1.90 P/B ratio, and 13.74% earnings growth, these metrics solidify its Netural investment rating.
