{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "b0d6515e-c74e-4550-a494-d5a66be5d6ea",
    "symbol": "FBP",
    "name": "First BanCorp.",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/b0d6515e-c74e-4550-a494-d5a66be5d6ea/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "b0d6515e-c74e-4550-a494-d5a66be5d6ea",
      "symbol": "FBP",
      "name": "First BanCorp.",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/b0d6515e-c74e-4550-a494-d5a66be5d6ea/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "FBP",
    "market_cap": 3944451072.0,
    "market_cap_usd": 3761923440.64,
    "price": 25.5,
    "currency": "USD",
    "dividend_yield": 0.0304,
    "dividend_years": 26,
    "dividend_growth_5y": 0.21975541,
    "dividend_cut_5y": true,
    "payout_ratio": 0.32889998,
    "net_income": 344866000.0,
    "free_cash_flow": 437524000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.14744276,
    "revenue_growth_5y": 0.10286659,
    "net_margin": 0.38222998,
    "roe": 0.19035,
    "pe_ratio": 11.333333,
    "price_vs_ma": 0.16779727,
    "return_3y": 1.37299593,
    "return_5y": 1.41242904,
    "max_drawdown": -0.32088306,
    "scores": {
      "dividend_reliability": 18.0,
      "dividend_sustainability": 20.0,
      "business_quality": 23.5,
      "valuation": 15.0,
      "trend": 15.0,
      "total": 91.5,
      "confidence": 100.0
    },
    "rating": "exceptional",
    "rating_label": "Exceptional Dividend Compounder",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend cut or material annual decrease detected in the last five completed years."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/b0d6515e-c74e-4550-a494-d5a66be5d6ea/",
      "chart": "https://sharemaestro.com/terminal/b0d6515e-c74e-4550-a494-d5a66be5d6ea/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 18.0,
    "dividend_sustainability": 20.0,
    "business_quality": 23.5,
    "valuation": 15.0,
    "trend": 15.0,
    "total": 91.5,
    "confidence": 100.0
  },
  "warnings": [
    "Dividend cut or material annual decrease detected in the last five completed years."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "FBP",
      "exchange": "NYSE",
      "headline": "FBP dividend review warning",
      "detail": "Dividend cut or material annual decrease detected in the last five completed years.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b0d6515e-c74e-4550-a494-d5a66be5d6ea/"
    },
    {
      "event_date": "2026-05-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FBP",
      "exchange": "NYSE",
      "headline": "FBP dividend payment 0.2 USD",
      "detail": "Recorded dividend payment for First BanCorp..",
      "amount": 0.2,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b0d6515e-c74e-4550-a494-d5a66be5d6ea/"
    },
    {
      "event_date": "2026-02-26",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "FBP",
      "exchange": "NYSE",
      "headline": "Dividend increased 11.1%",
      "detail": "Payment changed from 0.18 to 0.2.",
      "amount": 0.2,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b0d6515e-c74e-4550-a494-d5a66be5d6ea/"
    },
    {
      "event_date": "2026-02-26",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FBP",
      "exchange": "NYSE",
      "headline": "FBP dividend payment 0.2 USD",
      "detail": "Recorded dividend payment for First BanCorp..",
      "amount": 0.2,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b0d6515e-c74e-4550-a494-d5a66be5d6ea/"
    },
    {
      "event_date": "2025-08-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FBP",
      "exchange": "NYSE",
      "headline": "FBP dividend payment 0.18 USD",
      "detail": "Recorded dividend payment for First BanCorp..",
      "amount": 0.18,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b0d6515e-c74e-4550-a494-d5a66be5d6ea/"
    },
    {
      "event_date": "2025-05-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FBP",
      "exchange": "NYSE",
      "headline": "FBP dividend payment 0.18 USD",
      "detail": "Recorded dividend payment for First BanCorp..",
      "amount": 0.18,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b0d6515e-c74e-4550-a494-d5a66be5d6ea/"
    },
    {
      "event_date": "2025-02-21",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "FBP",
      "exchange": "NYSE",
      "headline": "Dividend increased 12.5%",
      "detail": "Payment changed from 0.16 to 0.18.",
      "amount": 0.18,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b0d6515e-c74e-4550-a494-d5a66be5d6ea/"
    },
    {
      "event_date": "2025-02-21",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FBP",
      "exchange": "NYSE",
      "headline": "FBP dividend payment 0.18 USD",
      "detail": "Recorded dividend payment for First BanCorp..",
      "amount": 0.18,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b0d6515e-c74e-4550-a494-d5a66be5d6ea/"
    },
    {
      "event_date": "2024-11-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FBP",
      "exchange": "NYSE",
      "headline": "FBP dividend payment 0.16 USD",
      "detail": "Recorded dividend payment for First BanCorp..",
      "amount": 0.16,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b0d6515e-c74e-4550-a494-d5a66be5d6ea/"
    },
    {
      "event_date": "2024-08-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FBP",
      "exchange": "NYSE",
      "headline": "FBP dividend payment 0.16 USD",
      "detail": "Recorded dividend payment for First BanCorp..",
      "amount": 0.16,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b0d6515e-c74e-4550-a494-d5a66be5d6ea/"
    },
    {
      "event_date": "2024-05-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FBP",
      "exchange": "NYSE",
      "headline": "FBP dividend payment 0.16 USD",
      "detail": "Recorded dividend payment for First BanCorp..",
      "amount": 0.16,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b0d6515e-c74e-4550-a494-d5a66be5d6ea/"
    },
    {
      "event_date": "2024-02-22",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "FBP",
      "exchange": "NYSE",
      "headline": "Dividend increased 14.3%",
      "detail": "Payment changed from 0.14 to 0.16.",
      "amount": 0.16,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b0d6515e-c74e-4550-a494-d5a66be5d6ea/"
    },
    {
      "event_date": "2024-02-22",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FBP",
      "exchange": "NYSE",
      "headline": "FBP dividend payment 0.16 USD",
      "detail": "Recorded dividend payment for First BanCorp..",
      "amount": 0.16,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b0d6515e-c74e-4550-a494-d5a66be5d6ea/"
    },
    {
      "event_date": "2023-11-22",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FBP",
      "exchange": "NYSE",
      "headline": "FBP dividend payment 0.14 USD",
      "detail": "Recorded dividend payment for First BanCorp..",
      "amount": 0.14,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b0d6515e-c74e-4550-a494-d5a66be5d6ea/"
    },
    {
      "event_date": "2023-08-23",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FBP",
      "exchange": "NYSE",
      "headline": "FBP dividend payment 0.14 USD",
      "detail": "Recorded dividend payment for First BanCorp..",
      "amount": 0.14,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b0d6515e-c74e-4550-a494-d5a66be5d6ea/"
    },
    {
      "event_date": "2023-05-23",
      "event_type": "payment",
      "severity": "info",
      "ticker": "FBP",
      "exchange": "NYSE",
      "headline": "FBP dividend payment 0.14 USD",
      "detail": "Recorded dividend payment for First BanCorp..",
      "amount": 0.14,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b0d6515e-c74e-4550-a494-d5a66be5d6ea/"
    },
    {
      "event_date": "2023-02-23",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "FBP",
      "exchange": "NYSE",
      "headline": "Dividend increased 16.7%",
      "detail": "Payment changed from 0.12 to 0.14.",
      "amount": 0.14,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b0d6515e-c74e-4550-a494-d5a66be5d6ea/"
    },
    {
      "event_date": "2022-05-24",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "FBP",
      "exchange": "NYSE",
      "headline": "Dividend increased 20.0%",
      "detail": "Payment changed from 0.1 to 0.12.",
      "amount": 0.12,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b0d6515e-c74e-4550-a494-d5a66be5d6ea/"
    },
    {
      "event_date": "2021-11-24",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "FBP",
      "exchange": "NYSE",
      "headline": "Dividend increased 42.9%",
      "detail": "Payment changed from 0.07 to 0.1.",
      "amount": 0.1,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b0d6515e-c74e-4550-a494-d5a66be5d6ea/"
    }
  ]
}