First Story

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FBP -- USA Stock  

USD 5.08  0.03  0.59%

As many millenniums are excited about financial services space, it is only fair to recap First BanCorp New. Why are we still confident in anticipation of a complete recovery. Is First BanCorp New current valuation justified for 2020? Here i will cover my perspective on valuation to give First insiders a better outlook on taking a position in the stock.
Published over a month ago
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Should you hold on to your First position?
First BanCorp New has 1.17 B in debt with debt to equity (D/E) ratio of 6.42, demonstrating that First BanCorp may be unable to create cash to meet all of its financial commitments. The entity has 1.17 B in debt with debt to equity (D/E) ratio of 6.42, demonstrating that the firm may be unable to create cash to meet all of its financial commitments. First BanCorp is UNDERVALUED at 6.80 per share with modest projections ahead.
We determine the current worth of First BanCorp New using both absolute as well as relative valuation methodologies to arrive at its intrinsic value. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of First BanCorp New based exclusively on its fundamental and basic technical indicators. By analyzing First BanCorp's financials, quarterly and monthly indicators, and related drivers such as dividends, operating cash flow, and various types of growth rates, we attempt to find the most accurate representation of First BanCorp's intrinsic value. In some cases, mostly for established, large-cap companies, we also incorporate more traditional valuation methods such as dividend discount, discounted cash flow, or asset-based models. As compared to an absolute model, our relative valuation model uses a comparative analysis of First BanCorp. We calculate exposure to First BanCorp's market risk, different technical and fundamental indicators, relevant financial multiples and ratios, and then comparing them to First BanCorp's related companies.

First BanCorp New Investment Alerts

First investment alerts and warnings help investors to get more proficient at understanding not only critical technical and fundamental signals but also the significant portfolio-centered indicators. These indicators include beta, alpha, and other risk-related measures that will help you in monitoring First BanCorp New performance across your portfolios.Please check all investment alerts for First

First BanCorp Valuation Ratios as Compared to Competition

Our valuation model uses many indicators to compare First value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across First BanCorp competition to find correlations between indicators driving the intrinsic value of First.

How First utilizes its cash?

To perform a cash flow analysis of First BanCorp, investors first need to understand how to read the cash flow statement. A cash flow statement shows the amount of cash First BanCorp is receiving and how much cash it distributes out in a given period. The First BanCorp cash flow statement breaks down these inflows and outflows into different buckets, including operating activities, investing activities, and financing activities. First BanCorp Net Cash Flow from Operations is very stable at the moment as compared to the past year. First BanCorp reported last year Net Cash Flow from Operations of 294.28 Million

Detailed Perspective On First BanCorp

The firm reported the last year's revenue of 557.01 M. Total Income to common stockholders was 123.65 M with profit before taxes, overhead, and interest of 610.42 M.
 2017 2018 2019 2020 (projected)
Revenues USD409.68 M548.44 M617.43 M529.18 M
Revenues409.68 M548.44 M617.43 M529.18 M

Margins Breakdown

First profit margins show the degree to which it makes money. Margin indicators are used not only by investors but also by creditors or First BanCorp itself as indicators of financial health and management effectiveness. Please look more closely at the different varieties of First BanCorp profit margins.
Profit Margin
EBITDA Margin0.45
Gross Margin0.89
Profit Margin0.29

First BanCorp Average Assets is very stable at the moment. Also, First BanCorp Earnings Before Interest Taxes and Depreciation Amortization USD is increasing over the last 8 years. The recent value of First BanCorp Earnings Before Interest Taxes and Depreciation Amortization USD is 277,693,000.

Possible August turnaround of First?

Standard deviation is down to 5.01. It may hint at a possible volatility decline. First BanCorp New exhibits above-average semi-deviation for your current time horizon. We encourage investors to investigate First BanCorp New individually to make sure intended market timing strategies and available technical indicagtors are consistent with their estimates about First BanCorp future systematic risk.

Our Conclusion on First BanCorp

Although some firms under the banks?regional industry are still a bit expensive, First BanCorp may offer a potential longer-term growth to insiders. The bottom line, as of the 28th of July 2020, our analysis shows that First BanCorp hyperactively responds to market trends. The firm is undervalued and projects below average probability of distress for the next 2 years. However, our overall 30 days buy-or-sell advice on the firm is Strong Sell.

About Contributor

This story should be regarded as informational only and should not be considered a solicitation to sell or buy any financial products. Macroaxis does not express any opinion as to the present or future value of any investments referred to in this post. This post may not be reproduced without the consent of Macroaxis LLC. Macroaxis LLC and Raphi Shpitalnik do not own shares of First BanCorp New. Please refer to our Terms of Use for any information regarding our disclosure principles.

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