First BanCorp. (NYSE:FBP) & FB Bancorp (NASDAQ:FBLA) Head-To-Head Analysis

First BanCorp. (NYSE:FBP) and FB Bancorp (NASDAQ:FBLA) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, analyst recommendations, risk, profitability, valuation, earnings and dividends.

Analyst Ratings

This is a breakdown of recent ratings and price targets for First BanCorp. and FB Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First BanCorp.	0	2	4	1	2.86
FB Bancorp	1	0	0	0	1.00

First BanCorp. presently has a consensus target price of $25.86, indicating a potential upside of 9.02%. Given First BanCorp.’s stronger consensus rating and higher possible upside, equities research analysts plainly believe First BanCorp. is more favorable than FB Bancorp.

Valuation & Earnings

This table compares First BanCorp. and FB Bancorp”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First BanCorp.	$1.26 billion	2.94	$344.87 million	$2.25	10.54
FB Bancorp	$69.94 million	3.43	$1.25 million	$0.07	199.57

First BanCorp. has higher revenue and earnings than FB Bancorp. First BanCorp. is trading at a lower price-to-earnings ratio than FB Bancorp, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares First BanCorp. and FB Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
First BanCorp.	28.31%	17.51%	1.76%
FB Bancorp	1.48%	0.97%	0.26%

Institutional and Insider Ownership

97.9% of First BanCorp. shares are owned by institutional investors. 1.9% of First BanCorp. shares are owned by company insiders. Comparatively, 3.9% of FB Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

First BanCorp. beats FB Bancorp on 11 of the 14 factors compared between the two stocks.

About First BanCorp.

First BanCorp. operates as a bank holding company for FirstBank Puerto Rico that provides a range of financial products and services to consumers and commercial customers. The company operates through six segments: Commercial and Corporate Banking, Mortgage Banking, Consumer (Retail) Banking, Treasury and Investments, United States Operations, and Virgin Islands Operations. The Commercial and Corporate Banking segment offers commercial loans, including commercial real estate and construction loans, as well as other products, such as cash management and business management services. The Mortgage Banking segment engages in the origination, sale, and servicing of various residential mortgage loans; hedging activities; and purchase of mortgage loans from branch and mortgage bankers. The Consumer (Retail) Banking segment provides auto loans, finance leases, boat and personal loans, credit card loans, and lines of credit; and interest-bearing and non-interest-bearing checking and savings accounts, and individual retirement accounts and retail certificates of deposit (CDs), as well as insurance agency services. The Treasury and Investments segment offers funding and liquidity management services. The United States Operations segment provides checking, savings, and money market accounts, as well as retail CDs; traditional commercial and industrial, and commercial real estate loans, residential mortgages, term and construction loan, home equity loans, lines of credit, FHLB advances, and brokered CDs; and internet banking, cash management, remote deposit capture, and automated clearing house transactions services. The Virgin Islands Operations segment is involved in consumer, commercial lending, and deposit-taking activities. First BanCorp. was founded in 1948 and is headquartered in San Juan, Puerto Rico.

About FB Bancorp

FB Bancorp Inc. operates as a bank holding company for Fidelity Bank. The Company, through its subsidiaries, provides deposit accounts, mortgages, home equity and consumer loans, credit and debit cards, online and mobile banking, investments and other financial services. FB Bancorp Inc. is based in New Orleans.