Profitability
Weight: 25%
B-
64
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 1.6%
- Operating Margin Trend -4.48 pp/yr
FBP
First BanCorp.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
A+
93
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 15.9%
- 5yr Share-Count CAGR -6.6%
Growth Quality
Weight: 10%
A+
94
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 32.3%
- 5yr EPS CAGR 13.2%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
99
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.34x
Balance Sheet
Weight: 30%
B-
63
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 10.3%
- Interest Coverage (EBIT/Int) 1.64x
Stability
Weight: 10%
C+
59
- EPS Volatility (σ/μ) 0.67
- Piotroski F-Score 8
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 3 gurus held; 2 added; 1 full exit.
- Holders
- 2 -1
- Avg Δ position
- +6.7%
- New buys
- 0
- Full exits
- 1