Analyzing PT Bank Mandiri Persero TBK (OTCMKTS:PPERY) and First BanCorp. (NYSE:FBP)

PT Bank Mandiri Persero TBK (OTCMKTS:PPERY) and First BanCorp. (NYSE:FBP) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their earnings, dividends, risk, valuation, profitability, analyst recommendations and institutional ownership.

Analyst Recommendations

This is a summary of current ratings and target prices for PT Bank Mandiri Persero TBK and First BanCorp., as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
PT Bank Mandiri Persero TBK	0	0	0	0	0.00
First BanCorp.	0	2	4	3	3.11

First BanCorp. has a consensus target price of $28.75, indicating a potential downside of 1.59%. Given First BanCorp.’s stronger consensus rating and higher probable upside, analysts clearly believe First BanCorp. is more favorable than PT Bank Mandiri Persero TBK.

Profitability

This table compares PT Bank Mandiri Persero TBK and First BanCorp.’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
PT Bank Mandiri Persero TBK	N/A	N/A	N/A
First BanCorp.	29.24%	18.03%	1.84%

Insider & Institutional Ownership

0.0% of PT Bank Mandiri Persero TBK shares are held by institutional investors. Comparatively, 97.9% of First BanCorp. shares are held by institutional investors. 0.0% of PT Bank Mandiri Persero TBK shares are held by insiders. Comparatively, 1.9% of First BanCorp. shares are held by 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.

Valuation and Earnings

This table compares PT Bank Mandiri Persero TBK and First BanCorp.”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
PT Bank Mandiri Persero TBK	$10.03 billion	2.20	$3.43 billion	N/A	N/A
First BanCorp.	$1.26 billion	3.60	$344.87 million	$2.37	12.33

PT Bank Mandiri Persero TBK has higher revenue and earnings than First BanCorp..

Risk and Volatility

PT Bank Mandiri Persero TBK has a beta of 0.22, meaning that its stock price is 78% less volatile than the S&P 500. Comparatively, First BanCorp. has a beta of 0.81, meaning that its stock price is 19% less volatile than the S&P 500.

Dividends

PT Bank Mandiri Persero TBK pays an annual dividend of $0.75 per share and has a dividend yield of 7.9%. First BanCorp. pays an annual dividend of $0.80 per share and has a dividend yield of 2.7%. First BanCorp. pays out 33.8% of its earnings in the form of a dividend. First BanCorp. has raised its dividend for 6 consecutive years.

Summary

First BanCorp. beats PT Bank Mandiri Persero TBK on 12 of the 16 factors compared between the two stocks.

About PT Bank Mandiri Persero TBK

PT Bank Mandiri (Persero) Tbk provides various banking products and services to individuals and businesses in Indonesia, Singapore, Hong Kong, Timor Leste, Shanghai, Malaysia, the United Kingdom, and the Cayman Islands. The company operates through Wholesale and Retail segments. It offers savings and current accounts, time deposits, demand deposits, and foreign currency savings and current accounts; motorcycle loans, mortgage loan, and housing loans, as well as loans for various purposes, such as education, home renovation, marriage, health, and other needs for individuals; and working capital loans, investment loans, people's business loans, syndicated loans, and micro business loans for businesses. The company also provides investment products comprising mutual funds, stocks, and bonds; life, health, and accident insurance products; credit, debit, and corporate cards; digital banking; e-banking services; digital lending; cash management services; trade finance services, value chain, supply chain management, global and domestic trade, export and import, standby letter of credit, and bank guarantee, as well as spot and forex services; custodial services; treasury services, including cash transaction/liquidity, hedging, and investment products; trust services comprising trustee, paying agent, security agent, escrow agent, monitoring agent, and receiving bank services; and money transfer, remittance services, and venture capital financing. It operates branch offices, sub-branch offices, and overseas branch offices; and ATM facilities. The company was founded in 1998 and is headquartered in Jakarta, Indonesia.

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.