FBP

NEUTRAL

$23.41 Live

First BanCorp. · NYSE

Target $25.5 (+8.9%)

$19.16 52W Range $24.36

FBP First BanCorp. - Fundamental Analysis

NEUTRAL

Console Chart News

FBP Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Banks - Regional

Current Price Live

$23.41

Analyst Target

$25.5

+8.9% Upside

52W High

$24.36

52W Low

$19.16

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 27, 2026

Market cap

$3.62B

P/E

10.89

ROE

19.0%

Profit margin

38.2%

Debt/Equity

N/A

Dividend yield

3.25%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

FBP presents a stark contrast between strong profitability and deteriorating operational health, highlighted by a weak Piotroski F-Score of 2/9. While the company maintains a robust ROE of 19.04% and a consistent track record of earnings beats, the low health score and bearish insider sentiment suggest underlying systemic risks. The stock is currently trading slightly below its Graham Number ($24.73), suggesting a defensive value floor, though it remains far below its growth-based intrinsic value of $63.42. Overall, the strong earnings momentum is offset by poor deterministic health metrics and negative insider signals.

Key Strengths

Strong Return on Equity (ROE) of 19.04%

Consistent earnings beat track record (3/4 last 4 quarters)

Attractive P/E ratio (10.89) relative to sector average

Sustainable dividend payout ratio of 33.49%

Strong long-term price appreciation (127% over 5 years)

Key Risks

Very weak Piotroski F-Score (2/9) indicating poor financial health trends

Bearish insider activity with net selling in the last 6 months

High PEG ratio (4.15) suggesting growth is expensive relative to earnings

Bearish technical trend score (10/100)

Exposure to regional banking sector volatility

AI Fair Value Estimate

Based on comprehensive analysis

$25.5

+8.9% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Cautiously Optimistic on Value, Concerned on Health

Key drivers: Earnings consistency, Low P/E valuation, Piotroski F-Score failure, Insider selling

Confidence

80%

Value

82/100

Ref P/E 10.89, Graham Number $24.73

Positives

Trading below Graham Number
Low Forward P/E of 9.95

Watchpoints

High PEG ratio

Future

75/100

Ref Growth rates and Earnings track record

Positives

21.3% YoY Earnings Growth
Consistent EPS surprises

Watchpoints

Slowing Q/Q EPS growth (+3.6%)

Past

90/100

Ref Historical price performance

Positives

Strong 5Y (+127%) and 3Y (+132%) returns
Long-term earnings progression

Watchpoints

No urgent risks highlighted.

Health

22/100

Ref Piotroski F-Score

Positives

No standout positives identified.

Watchpoints

Piotroski F-Score of 2/9 is critically low

Dividend

65/100

Ref Yield and Payout

Positives

Low payout ratio (33.49%)
Steady yield of 3.25%

Watchpoints

Moderate dividend strength score (50/100)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$23.41

Analyst Target

$25.5

Upside/Downside

+8.9%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for FBP and closest competitors.

Updated 2026-04-24

Company	5Y	3Y	1Y	6M	1M	1W
FBP First BanCorp. Primary	+127.0%	+132.2%	+22.7%	+16.1%	+11.1%	+0.8%
INTR Inter & Co, Inc. Peer	+143.9%	+342.0%	+64.3%	-1.4%	-4.3%	+4.8%
BHF Brighthouse Financial, Inc. Peer	+62.1%	+18.8%	+26.1%	+27.7%	-1.0%	+0.1%
WSFS WSFS Financial Corporation Peer	+47.0%	+95.9%	+38.6%	+33.6%	+8.5%	+1.2%
PLMR Palomar Holdings, Inc. Peer	+83.5%	+144.7%	-12.7%	+16.7%	+10.4%	-1.7%

FBP

First BanCorp.

Primary

+127.0%

+132.2%

+22.7%

+16.1%

+11.1%

+0.8%

INT

Inter & Co, Inc.

Peer

+143.9%

+342.0%

+64.3%

-1.4%

-4.3%

+4.8%

BHF

Brighthouse Financial, Inc.

Peer

+62.1%

+18.8%

+26.1%

+27.7%

-1.0%

+0.1%

WSF

WSFS Financial Corporation

Peer

+47.0%

+95.9%

+38.6%

+33.6%

+8.5%

+1.2%

PLM

Palomar Holdings, Inc.

Peer

+83.5%

+144.7%

-12.7%

+16.7%

+10.4%

-1.7%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

10.89

9.95

4.15

1.85

3.88

3.58

N/A

$3.62B

Profitability

Profit margins and return metrics

Profit Margin 38.22%

Operating Margin 47.8%

Gross Margin N/A

ROE 19.04%

ROA 1.87%

Growth

Revenue and earnings growth rates

Revenue Growth +8.1%

Earnings Growth +21.3%

Q/Q Revenue Growth +7.61%

Q/Q Earnings Growth +15.2%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$3.58

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.2B

Total Assets

$19.1B

Liabilities

$17.2B

Equity

$2.0B

Debt/Equity

8.73x

Operating CF

$0.1B

CapEx

$-0.0B

Free Cash Flow

$0.1B

FCF Yield

96%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-21

$N/A

2026-04-22

$0.57

+11.0% surprise

2026-01-27

$0.55

+7.8% surprise

2025-10-23

$0.63

+29.7% surprise

Financial Services Sector Comparison

Comparing FBP against 763 companies in the Financial Services sector (133 bullish, 317 neutral, 313 bearish)

P/E Ratio

10.89

This Stock

38.21

Sector Avg

-71.5% (Discount)

Return on Equity (ROE)

19.04%

This Stock

-1.82%

Sector Avg

-1145.4% (Below Avg)

Profit Margin

38.22%

This Stock

75.74%

Sector Avg

-49.5% (Weaker)

Revenue Growth

8.1%

This Stock

37.18%

Sector Avg

-78.2% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
FBP First BanCorp.	NEUTRAL	$3.62B	10.89	19.0%	38.2%	$23.41
INTR Inter & Co, Inc.	NEUTRAL	$3.62B	14.16	14.4%	21.9%	$8.21	Compare
BHF Brighthouse Financial, Inc.	BEARISH	$3.67B	4.52	16.2%	12.3%	$64.11	Compare
WSFS WSFS Financial Corporation	NEUTRAL	$3.7B	13.78	10.8%	28.3%	$70.15	Compare
PLMR Palomar Holdings, Inc.	BULLISH	$3.51B	18.33	23.6%	22.5%	$131.41	Compare

FBP First BanCorp.

NEUTRAL

Mkt Cap

$3.6B

P/E

10.9

ROE

19.0%

Price

$23.41

INTR Inter & Co, Inc.

Compare with FBP

Compare with FBP

WSFS WSFS Financial...

Compare with FBP

PLMR Palomar Holdings, Inc.

Compare with FBP

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-03-31	EAVES PATRICIA	Director	Stock Award	1,872	$39,986
2026-03-19	BERGES-GONZALEZ ORLANDO	Chief Financial Officer	Stock Award	13,980	$287,848
2026-03-19	RIVERA NAYDA	Officer	Stock Award	13,576	$279,530
2026-03-19	ALEMAN-BERMUDEZ AURELIO	Chief Executive Officer	Stock Award	58,318	$1,200,768
2026-03-19	MCDONALD MICHAEL T	Officer	Stock Award	7,613	$156,752
2026-03-19	DIAZ-BENTO LILIAN	Officer	Stock Award	9,689	$199,497
2026-03-19	PAVIA JUAN CARLOS	Chief Operating Officer	Stock Award	11,583	$238,494
2026-03-19	LACASA JOSE MARIA	Officer	Stock Award	10,693	$220,169
2026-03-19	ORTIZ SAID	Officer	Stock Award	9,471	$195,008
2026-03-16	BERGES-GONZALEZ ORLANDO	Chief Financial Officer	Stock Award	28,595	-
2026-03-16	ALEMAN-BERMUDEZ AURELIO	Chief Executive Officer	Stock Award	86,511	-
2026-03-16	LOPEZ-LAY VIZCARRA GINORIS C	Officer	Stock Award	15,599	-
2026-03-16	MCDONALD MICHAEL T	Officer	Stock Award	10,380	-
2026-03-16	SARA ALVAREZ-CABRERO	General Counsel	Stock Award	15,121	-
2026-03-16	DIAZ-BENTO LILIAN	Officer	Stock Award	15,886	-

EAVES PATRICIA

Director

Stock Award

2026-03-31

1,872 shares · $39,986

BERGES-GONZALEZ ORLANDO

Chief Financial Officer

Stock Award

2026-03-19

13,980 shares · $287,848

RIVERA NAYDA

Officer

Stock Award

2026-03-19

13,576 shares · $279,530

ALEMAN-BERMUDEZ AURELIO

Chief Executive Officer

Stock Award

2026-03-19

58,318 shares · $1,200,768

MCDONALD MICHAEL T

Officer

Stock Award

2026-03-19

7,613 shares · $156,752

DIAZ-BENTO LILIAN

Officer

Stock Award

2026-03-19

9,689 shares · $199,497

PAVIA JUAN CARLOS

Chief Operating Officer

Stock Award

2026-03-19

11,583 shares · $238,494

LACASA JOSE MARIA

Officer

Stock Award

2026-03-19

10,693 shares · $220,169

ORTIZ SAID

Officer

Stock Award

2026-03-19

9,471 shares · $195,008

BERGES-GONZALEZ ORLANDO

Chief Financial Officer

Stock Award

2026-03-16

28,595 shares

ALEMAN-BERMUDEZ AURELIO

Chief Executive Officer

Stock Award

2026-03-16

86,511 shares

LOPEZ-LAY VIZCARRA GINORIS C

Officer

Stock Award

2026-03-16

15,599 shares

MCDONALD MICHAEL T

Officer

Stock Award

2026-03-16

10,380 shares

SARA ALVAREZ-CABRERO

General Counsel

Stock Award

2026-03-16

15,121 shares

DIAZ-BENTO LILIAN

Officer

Stock Award

2026-03-16

15,886 shares

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K

2026-04-22

FBP likely filed this 8-K to report its first-quarter financial results for 2026.

DEF 14A

2026-03-25

FBP filed a definitive proxy statement (DEF 14A) on March 25, 2026, providing shareholders with necessary information to vote on corporate matters at the upcoming annual meeting.

10-K

2026-02-27

FBP filed its annual 10-K report on February 27, 2026. The provided excerpts do not contain specific financial metrics or detailed risk disclosures.

8-K

2026-02-09

FBP filed an 8-K on February 9, 2026, likely to announce its fourth quarter and full-year financial results for 2025.

8-K

2026-01-27

FBP filed an 8-K on January 27, 2026, likely to announce its fourth-quarter and full-year financial results.

10-Q

2025-11-07

FBP filed its 10-Q on November 7, 2025. The provided excerpt identifies the existence of risk factors under Item 1A, although specific financial highlights and detailed risk descriptions were not included in the available text.

8-K

2025-10-23

FBP filed an 8-K on October 23, 2025, likely to announce its third-quarter financial results.

10-Q

2025-08-07

FBP filed its 10-Q on August 7, 2025. While the filing includes a section for Risk Factors under Item 1A, no specific financial highlights or detailed risk disclosures were provided in the available excerpt.

8-K

2025-07-22

FBP filed a Current Report on Form 8-K, likely to announce its second-quarter financial results given the July filing date.

8-K

2025-06-16

8-K

2025-05-27

8-K/A

2025-05-16

10-Q

2025-05-09

8-K

2025-04-24

DEF 14A

2025-04-08

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

BUY

6 analysts

Truist Securities

2026-04-23

Maintains

Buy Buy

Piper Sandler

2026-04-23

Maintains

Neutral Neutral

Keefe, Bruyette & Woods

2026-04-23

Maintains

Market Perform Market Perform

Wells Fargo

2026-04-23

Maintains

Overweight Overweight

Wells Fargo

2026-03-30

Maintains

Overweight Overweight

Piper Sandler

2026-01-30

reit

Neutral Neutral

Truist Securities

2026-01-29

Maintains

Buy Buy

Keefe, Bruyette & Woods

2026-01-28

Maintains

Market Perform Market Perform

Past News Coverage

Recent headlines mentioning FBP from our newsroom.

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FBP

FBP First BanCorp. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

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