FIRST BANCORP /PR/ (FBP)
State Commercial Banks · Financial Services · $3.9B
Intrinsic Value (Consensus)
$55.36
Current Price
$25.35
Margin of Safety
+118.4%
118.4% Below Intrinsic Value
Value: $55
Price: $25
Valuation Model Estimates
Current Price: $25.35
DCF (Discounted Cash Flow)
$121.47
Graham Number
$24.80
Earnings Power Value
$20.87
Relative Value (P/E)
$43.00
Dividend Discount Model
$66.67
Consensus Value
$55.36
Model Assumptions
Discount Rate
10.3%
Growth Rate
18.8%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
A
84
Profitability
22/25
Strength
24/25
Valuation
22/25
Growth
16/25
Financial Health Signals
Low debt — conservative balance sheet
Strong earnings growth (19% YoY)
High free cash flow yield (11.2%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $2.15
- EPS (Forward)
- $2.55
- Book Value
- $12.71
- P/E Ratio
- 20.0
- Forward P/E
- 16.8
- PEG Ratio
- —
- ROE
- 17.5%
- Debt/Equity
- 15%
- Revenue Growth
- 6.7%
- Earnings Growth
- 18.8%
- Dividend Yield
- 0.5%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance