First Bancorp
Financial ratios & Valuation

Forward Multiples (2025 – 2025)

2025
Price/Earnings ratio
18.42
Price/Sales ratio
4.55
Earnings per Share (EPS)
$2.82

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
14.5513.7019.6919.3610.8112.8111.9714.2810.3414.5517.9410.81
Price/Sales ratio
2.232.493.404.163.584.293.254.263.862.773.524.29
Price/Book Value ratio
0.931.081.471.281.261.381.091.101.471.101.241.38
Price/Cash Flow ratio
7.609.9111.4133.1620.8023.0117.099.836.5911.5312.2623.01
Price/Free Cash Flow ratio
8.4411.6213.9740.1327.0524.7221.8210.546.7411.9312.3524.72
Price/Earnings Growth ratio
0.701.398.790.580.163.86-1.201.050.35-0.371.380.16
Dividend Yield
1.97%1.91%1.22%0.85%1.16%1.15%2.14%1.62%2.01%2.30%1.48%1.16%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%100%89.99%100%
Operating Profit Margin
31.58%35.36%34.13%40.21%53.23%42.31%34.43%37.59%51.24%26.66%26.07%42.31%
Pretax Profit Margin
23.68%27.69%26.46%31.71%42.14%42.31%34.43%37.59%47.14%24.15%24.75%42.31%
Net Profit Margin
15.36%18.19%17.28%21.52%33.16%33.49%27.20%29.88%37.40%19.06%19.65%33.49%
Effective Tax Rate
35.12%34.31%34.70%32.13%21.31%20.83%20.99%20.50%20.66%21.08%20.62%20.83%
Return on Assets
0.77%0.80%0.76%0.82%1.52%1.49%1.11%0.91%1.38%0.85%0.84%1.49%
Return On Equity
6.44%7.90%7.47%6.63%11.68%10.79%9.11%7.77%14.24%7.58%7.27%10.79%
Return on Capital Employed
1.59%1.56%1.50%1.54%2.59%1.96%1.41%1.14%1.89%3.98%2.94%2.59%
Liquidity Ratios
Current Ratio
0.020.010.020.020.010.01N/AN/AN/AN/A0.260.01
Quick Ratio
3.98K4.95K5.80K3.81K14.165.502.46K5.94K219.390.060.265.50
Cash ratio
368.92456.86567.70396.341.340.96406.29759.7398.720.020.090.96
Days of Sales Outstanding
20.0122.5121.2924.0821.69N/AN/AN/AN/AN/A23.0521.69
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A23.05N/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A38.97N/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A-15.92N/A
Debt Ratios
Debt Ratio
0.030.050.070.130.060.030.000.000.020.040.000.03
Debt Equity Ratio
0.300.540.731.080.530.280.060.050.210.400.000.28
Long-term Debt to Capitalization
0.230.350.420.370.340.220.060.050.170.280.000.22
Total Debt to Capitalization
0.230.350.420.510.340.220.060.050.170.280.000.22
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/A10.09N/AN/AN/A1.27N/A
Cash Flow to Debt Ratio
0.410.200.170.030.110.210.922.061.050.2310.420.11
Company Equity Multiplier
8.309.829.828.007.677.208.158.5310.298.828.227.67
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.290.250.290.120.170.180.190.430.580.240.280.17
Free Cash Flow / Operating Cash Flow Ratio
0.900.850.810.820.760.930.780.930.970.960.990.76
Cash Flow Coverage Ratio
0.410.200.170.030.110.210.922.061.050.2310.420.11
Short Term Coverage Ratio
N/AN/AN/A0.07N/AN/AN/AN/AN/AN/AN/AN/A
Dividend Payout Ratio
28.68%26.28%24.10%16.52%12.63%14.84%25.69%23.24%20.86%33.55%35.36%12.63%