First BanCorp.

DB:OLWN Stock Report

Market Cap: €2.9b

First BanCorp Past Earnings Performance

Past criteria checks 3/6

First BanCorp has been growing earnings at an average annual rate of 17.5%, while the Banks industry saw earnings growing at 18.1% annually. Revenues have been growing at an average rate of 10.1% per year. First BanCorp's return on equity is 17.8%, and it has net margins of 34.8%.

Key information

17.5%

Earnings growth rate

23.0%

EPS growth rate

Banks Industry Growth10.6%
Revenue growth rate10.1%
Return on equity17.8%
Net Margin34.8%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How First BanCorp makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:OLWN Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 248693033960
30 Jun 248753113920
31 Mar 248643063870
31 Dec 238633033830
30 Sep 238722973800
30 Jun 238682893790
31 Mar 238762933770
31 Dec 228913053690
30 Sep 228973043660
30 Jun 229023043620
31 Mar 229262993670
31 Dec 219162773760
30 Sep 218912553830
30 Jun 217952083680
31 Mar 216671583420
31 Dec 205361003210
30 Sep 20490862970
30 Jun 205171042940
31 Mar 205571242990
31 Dec 196111652940
30 Sep 196012292940
30 Jun 195782192900
31 Mar 195552092850
31 Dec 185291992820
30 Sep 185011222760
30 Jun 18496752730
31 Mar 18493722730
31 Dec 17481642730
30 Sep 17486642710
30 Jun 174771002710
31 Mar 17470952700
31 Dec 16480932690
30 Sep 16514842690
30 Jun 16504752710
31 Mar 16444192770
31 Dec 15438212780
30 Sep 154053372810
30 Jun 154093462780
31 Mar 154714022720
31 Dec 144713942660
30 Sep 14467782630
30 Jun 14469712620
31 Mar 14474-742670

Quality Earnings: OLWN has high quality earnings.

Growing Profit Margin: OLWN's current net profit margins (34.8%) are higher than last year (34%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: OLWN's earnings have grown by 17.5% per year over the past 5 years.

Accelerating Growth: OLWN's earnings growth over the past year (2%) is below its 5-year average (17.5% per year).

Earnings vs Industry: OLWN earnings growth over the past year (2%) did not outperform the Banks industry 12.6%.

Return on Equity

High ROE: OLWN's Return on Equity (17.8%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/02 20:48
End of Day Share Price 2025/01/02 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

First BanCorp. is covered by 16 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Brandon BermanBofA Global Research
Joseph GladueB. Riley Securities, Inc.
Michael DianaCantor Fitzgerald & Co.