First BanCorp. (FBP) valuation against sector peers: P/E 10.9 (sector median 14.0), P/B 2.1, free-cash-flow yield 10.8%, P/S 4.0.

Ratios vs sector

Medians of Financials companies in the same region (stocks and REITs).

Lower P/E, P/B, P/S and EV/EBIT mean cheaper; higher yields, returns and margins mean more for the price. Negative multiples (losses) are left out of the medians.

Metric	FBP	Sector median	vs median
P/E	10.9	14.0 · n=50	22% below
P/B	2.1	1.7 · n=55	19% above
P/S	4.0	3.2 · n=48	23% above
EV/EBIT	—	16.7 · n=9	—
Free-cash-flow yield	10.8%	7.1% · n=35	53% above
Dividend yield	2.25%	2.66% · n=146	15% below
Return on equity	19.5%	13.7% · n=69	42% above
Return on invested capital	—	20.5% · n=14	—
Gross margin	—	33.7% · n=8	—
Net debt / EBITDA	—	−1.24 · n=13	—

Lower P/E, P/B, P/S and EV/EBIT mean cheaper; higher yields, returns and margins mean more for the price. Negative multiples (losses) are left out of the medians.

Value factor: 58 of 100 within the peer group. Full score breakdown →

Sector peers

The largest companies of the same sector and region.

Instrument	P/E	P/B	EV/EBIT	Free-cash-flow yield	Dividend yield	Smart Score
HS HSBCHSBC Holdings plc.	70.3	7.5	—	1.9%	1.7%	4/10
BC BCSBarclays PLC	38.7	3.1	—	7.1%	2.7%	1/10
HS HSBAHSBC Holdings plc	14.0	1.5	—	9.6%	1.7%	8/10
RYRoyal Bank of Canada	19.7	2.9	—	—	2.4%	10/10
83 8306Mitsubishi UFJ Financial Group, Inc.	23.6	2.1	—	−9.0%	2.9%	4/10
MU MUFGMitsubishi UFJ Financial Group Inc.	23.3	2.1	—	−9.1%	0.0%	7/10
TD TDToronto Dominion Bank	14.2	2.4	—	—	1.9%	10/10
SA SANBanco Santander SA	11.6	1.4	—	−13.2%	2.3%	5/10
UBSUBS Group	20.1	1.7	—	—	4.1%	1/10
UB UBSGUBS Group AG	20.0	1.7	—	—	2.4%	2/10

Fiscal-year history

From annual SEC filings; each bar is a fiscal year, labelled by the year it ended.

Filings: U.S. SEC EDGAR · ratios computed by AI-Stock Invest from public filings and end-of-day prices · latest period 30 Jun 2026 · filed 07 Aug 2026

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