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Upturn AI SWOT - About
FBP 
First Bancorp (FBP)
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Upturn Advisory Summary
06/30/2025: FBP (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $23.5
1 Year Target Price $23.5
| 3 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 17.25% | Avg. Invested days 47 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.36B USD | Price to earnings Ratio 11.32 | 1Y Target Price 23.5 |
Price to earnings Ratio 11.32 | 1Y Target Price 23.5 | ||
Volume (30-day avg) 6 | Beta 0.93 | 52 Weeks Range 16.25 - 21.83 | Updated Date 06/30/2025 |
52 Weeks Range 16.25 - 21.83 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 3.45% | Basic EPS (TTM) 1.84 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 34.17% | Operating Margin (TTM) 45.41% |
Management Effectiveness
Return on Assets (TTM) 1.59% | Return on Equity (TTM) 18.55% |
Valuation
Trailing PE 11.32 | Forward PE - | Enterprise Value 2345128448 | Price to Sales(TTM) 3.8 |
Enterprise Value 2345128448 | Price to Sales(TTM) 3.8 | ||
Enterprise Value to Revenue 4.02 | Enterprise Value to EBITDA - | Shares Outstanding 161543008 | Shares Floating 156657829 |
Shares Outstanding 161543008 | Shares Floating 156657829 | ||
Percent Insiders 1.87 | Percent Institutions 98.39 |
Analyst Ratings
Rating 3 | Target Price 23.5 | Buy 2 | Strong Buy 3 |
Buy 2 | Strong Buy 3 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First Bancorp
Company Overview
History and Background
First Bancorp was founded in 1948 and is headquartered in San Juan, Puerto Rico. It has grown to become a leading financial services provider in Puerto Rico, the U.S. Virgin Islands and Florida.
Core Business Areas
- Banking: Provides a range of banking products and services, including deposit accounts, loans, and credit cards.
- Commercial Finance: Offers commercial loans, lines of credit, and other financing solutions to businesses.
- Mortgage Banking: Provides mortgage loan origination and servicing.
- Investment Services: Offers investment advisory and brokerage services.
Leadership and Structure
Aurelio Alemu00e1n serves as President and CEO. The company has a Board of Directors that oversees its operations and strategic direction. The organizational structure includes various departments focused on different business areas.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes. First Bancorp has a sizable share in this sector of Puerto Rico. Competitors include Popular, Inc. (BPOP) and Oriental Financial Group (OFG).
- Residential Mortgages: Mortgage loans for homeowners. First Bancorp is a main mortgage lender in the areas it serves. Competitors include Popular, Inc. (BPOP) and Oriental Financial Group (OFG).
- Consumer Loans: Loans for personal use. Competitors include Popular, Inc. (BPOP) and Oriental Financial Group (OFG).
Market Dynamics
Industry Overview
The banking industry is undergoing digital transformation and facing increasing regulatory scrutiny. Competition is high, and interest rate fluctuations impact profitability.
Positioning
First Bancorp is a leading bank in Puerto Rico, with a strong focus on serving the local community and businesses. Its competitive advantage lies in its local expertise and established customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in Puerto Rico, US Virgin Islands and Florida is estimated to be in the billions of dollars. First Bancorp is positioned to capture a significant portion of this market through its established presence and customer base.
Upturn SWOT Analysis
Strengths
- Strong market position in Puerto Rico
- Experienced management team
- Diversified business lines
- Strong customer relationships
- Healthy Capital levels
Weaknesses
- Geographic concentration in Puerto Rico
- Exposure to economic conditions in Puerto Rico
- Limited international presence
- Reliance on traditional banking model
Opportunities
- Expansion into new markets (e.g., Florida)
- Growth in digital banking services
- Acquisitions of smaller banks
- Increased lending activity
Threats
- Economic downturn in Puerto Rico
- Increased competition from larger banks
- Rising interest rates
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BPOP
- OFG
- UBS
- BAC
Competitive Landscape
First Bancorp's advantages include its strong market position in Puerto Rico and deep understanding of the local market. Its disadvantages include its geographic concentration and smaller size compared to some of its competitors.
Major Acquisitions
Vesbridge Partners, LLC
- Year: 2023
- Acquisition Price (USD millions): 37
- Strategic Rationale: Acquisition to enhance its equipment financing capabilities.
Growth Trajectory and Initiatives
Historical Growth: Historical growth patterns of First Bancorp can be observed based on its expansion and financial performance.
Future Projections: Future growth projections data is not available without financial metrics.
Recent Initiatives: Recent initiatives include expanding digital banking services and increasing lending activity.
Summary
First Bancorp is a leading bank in Puerto Rico with a strong local presence and diversified business lines. It faces challenges related to the economic conditions in Puerto Rico and increased competition. The company is focused on expanding its digital banking services and increasing lending activity to drive future growth. Strategic acquisitions are also planned to diversify it's capabilities.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- News articles
- Analyst estimates
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is approximate. All investments carry risk. Past performance is no guarantee of future results.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Bancorp
Exchange NYSE | Headquaters San Juan, PR, United States | ||
IPO Launch date 1992-02-25 | President, CEO & Director Mr. Aurelio Aleman-Bermudez | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 3113 | Website https://www.1firstbank.com |
Full time employees 3113 | Website https://www.1firstbank.com | ||
First BanCorp. operates as the bank holding company for FirstBank Puerto Rico that provides financial products and services to consumers and commercial customers. It operates through six segments: Mortgage Banking; Consumer (Retail) Banking; Commercial and Corporate Banking; Treasury and Investments; United States Operations; and Virgin Islands Operations. The Mortgage Banking segment engages in the origination, sale, and servicing of various residential mortgage loans; hedging activities; purchase of mortgage loans from branch and mortgage bankers; and origination of residential real estate loans. The Consumer (Retail) Banking segment provides auto loans, finance leases, personal loans, credit cards, and other types of consumer credit lines; and interest and non-interest-bearing checking and savings accounts. The Commercial and Corporate Banking segment offers commercial real estate and construction loans, as well as other products, such as cash and business management services. The Treasury and Investments segment focuses on fund management business. The United States Operations segment provides checking, savings, and money market accounts; retail CDs; internet banking services; residential mortgages; home equity loans and lines of credit; retail deposits; cash management services; remote data capture; automated clearing house transactions; and traditional commercial and industrial, and commercial real estate products, such as lines of credit, term loans, and construction loans. The Virgin Islands Operations segment focuses on consumer and commercial lending, and deposit-taking activities. The company also offers insurance agency services. First BanCorp. was founded in 1948 and is headquartered in San Juan, Puerto Rico.
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