Summary
89 / 100 · Bulios Score
What speaks for it
- Out of every 100 USD of revenue, 29 USD is left as net profit.
- Earnings per share grew by 11% a year over the last 3 years.
- It has raised its dividend 7 years in a row and pays out only 32% of profit.
- It bought back its own shares for $153.7M in the last fiscal year, 3.7% of its market value.
What to watch
- The share price is above the Bulios Fair Price.
Bulios Scoring describes a company's quality and track record, not its future return. A high score is not a buy signal. Learn more
Score in detailPrice
Is it expensive?
Looks expensiveBulios Fair Price is an estimate of a stock's fair value from the Bulios valuation model. It is an input for your own analysis, not investment advice. How does it work?
Today you pay 11.1 USD for 1 USD of yearly profit. Over the last five years it was 9.6 USD on average.
Valuation in detailIs it growing?
Yes, fastRevenue (USD)
Diluted EPS (USD)
- Analyst estimate
Revenue grew by 10% a year over 5 years. Over the last 3 years it grew by 9.6% a year. Earnings per share grew by 11% a year over the last 3 years.
Growth in detailDoes it make money?
Very wellWhere 100 USD of revenue goes
- Cost of sales 25 USD
- Sales and administration 39 USD
- Taxes and other 6.0 USD
- Net profit 29 USD
Net profit, industry median (Banks - Regional) 21 USD
Out of every 100 USD of revenue, 29 USD is left as net profit.
Profitability in detailIs it financially healthy?
Banks and insurers work with their customers' money, so their debt is judged differently; see the health section for their capital figures.
Financial health in detailDoes it pay a dividend?
Small, safe- Yield
- 2.87%
- Paid out of profit
- 32%
- Raised in a row
- 7 years
You receive $0.78 per share a year. The company covers the payout with ease.
Dividends in detailWhat do analysts expect?
Mildly positive- Buy 13
- Hold 4
- Sell 0
Today's price within the analysts' price targets
The average target of $29.75 is 8.7% above today's price. 76% of the analysts recommend buying.
Analysts in detailWhat does it earn on?
Fiscal year 2025By product
- Consumer (Retail) Banking Segment 61%
- Commercial and Corporate Segment 16%
- United States Operations Segment 8.2%
- Mortgage Banking 7.7%
- Virgin Islands Operations Segment 6.8%
By region
- PUERTO RICO 84%
- US 13%
- V I 3.3%
Consumer (Retail) Banking Segment brings in 61% of revenue. Virgin Islands Operations Segment grew fastest, by 56% a year.
Segments in detail