COMP <GO>
FBP vs MS // 10Y YIELD & FRED MACRO BETA
First BanCorp. (NYSE) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: FBP 7
— MS 2
■ METRIC PARITY
LAST: $26.18 (-1.95%) • MKT CAP: $4.08B
macro-sensitivity
—
LAST: $184.30 (-3.00%) • MKT CAP: $298.41B
macro-sensitivity
1.04
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FBP VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FBP | MS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 17.50% | 3.00% | +14.50 | FBP | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 31.0x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 10.73% | -7.25% | +17.98 | FBP | /fcf-yield <GO> |
| Operating Margin | — | 24.60% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 34.50% | 20.20% | +14.30 | FBP | /net-margins <GO> |
| Revenue Growth (YoY) | 6.70% | 5.50% | +1.20 | FBP | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.83% | 2.21% | +0.62 | FBP | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 5/9 | +1.00 | FBP | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 45.0 | 51.0 | -6.00 | MS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | — | 1.04 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.0x | 16.5x | -5.50 | FBP | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.08B | $298.41B | -$294.33B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FBP REV | MS REV | FBP GROSS % | MS GROSS % | FBP FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.00B | $0 | — | — | $437.5M | -$17.89B |
| FY 2024 | $938.2M | $0 | — | — | $394.1M | $1.36B |
| FY 2023 | $929.8M | $0 | — | — | $363.0M | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FBP // BETA —
MS // BETA 1.04