Want to see FBP full AI Analyst Report?
FBP Stock Chart & Stats
$23.23
$0.17(0.90%)
At close: 4:00 PM EST
$23.23
$0.17(0.90%)
Day’s Range― - ―
52-Week Range$19.16 - $26.94
Previous CloseN/A
Volume287.58K
Average Volume (3M)1.49M
Market Cap
$4.07B
Enterprise Value$3.60B
Total Cash (Recent Filing)$549.20M
Total Debt (Recent Filing)$290.00M
Price to Earnings (P/E)11.7
Beta0.86
Next Earnings
Jul 22, 2026EPS Estimate
0.54Next Dividend Ex-DateN/A
Dividend Yield3.38%
Share Statistics
EPS (TTM)2.26
Shares Outstanding154,684,360
10 Day Avg. Volume1,322,961
30 Day Avg. Volume1,488,170
Financial Highlights & Ratios
PEG Ratio0.51
Price to Book (P/B)1.69
Price to Sales (P/S)2.64
P/FCF Ratio7.64
Enterprise Value/Market Cap0.88
Enterprise Value/Revenue2.89
Enterprise Value/Gross Profit3.92
Enterprise Value/Ebitda7.99
Forecast
1Y Price Target
$27.00Price Target Upside16.23% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering7
EPS Forecast (FY)2.24
Revenue Forecast (FY)$1.07B
Bulls Say, Bears Say
Bulls Say
Strong Profitability And MarginsFirst BanCorp reports consistently high profitability and margin resilience, with YoY EPS growth and record adjusted pre-tax, pre-provision income. Durable margins and recurring operating leverage support steady internal capital generation and reinvestment capacity over the medium term.
Robust Capital Position And Shareholder ReturnsA CET1 ratio near 17% provides a strong regulatory and loss-absorbing buffer, enabling consistent capital returns via buybacks and dividends. That combination supports shareholder alignment while preserving balance sheet flexibility to absorb shocks and fund strategic initiatives over multiple quarters.
NIM Expansion From Securities ReinvestmentA sizable pool of low-yielding securities scheduled to mature creates a structural tailwind to net interest margin as proceeds are reinvested into materially higher-yielding instruments. Coupled with modest funding cost improvements, this supports sustainable NII growth over coming quarters.
Bears Say
Inconsistent Loan Growth / Minor ContractionLoan book expansion has been uneven, with seasonally driven and consumer/auto softness causing a small contraction. Persistent variability in core lending volumes constrains predictable NII growth and capital deployment, elevating risk to sustained asset growth pacing.
Sustained Expense Pressure From Tech/AI MigrationInvestment in cloud, data and AI is structurally positive but raises the operating expense base for ~1–2 years, pressuring efficiency ratios. Higher recurring technology and outsourcing costs can compress near-term operating leverage and require stronger revenue conversion to maintain margins.
Potential Dilution From New Omnibus Incentive PlanA large new equity incentive pool strengthens retention and alignment but increases the potential for share count dilution over time. Material future grants could erode tangible book per share and EPS growth, affecting long-term per-share economics if fully utilized.
First Bancorp Puerto Rico News
FBP FAQ
What was First Bancorp Puerto Rico’s price range in the past 12 months?
First Bancorp Puerto Rico lowest stock price was $19.16 and its highest was $26.94 in the past 12 months.
What is First Bancorp Puerto Rico’s market cap?
First Bancorp Puerto Rico’s market cap is $4.07B.
When is First Bancorp Puerto Rico’s upcoming earnings report date?
First Bancorp Puerto Rico’s upcoming earnings report date is Jul 22, 2026 which is in 16 days.
How were First Bancorp Puerto Rico’s earnings last quarter?
First Bancorp Puerto Rico released its earnings results on Apr 22, 2026. The company reported $0.57 earnings per share for the quarter, beating the consensus estimate of $0.514 by $0.056.
Is First Bancorp Puerto Rico overvalued?
According to Wall Street analysts First Bancorp Puerto Rico’s price is currently Undervalued.
Does First Bancorp Puerto Rico pay dividends?
First Bancorp Puerto Rico pays a Quarterly dividend of $0.2 which represents an annual dividend yield of 3.38%. See more information on First Bancorp Puerto Rico dividends here
What is First Bancorp Puerto Rico’s EPS estimate?
First Bancorp Puerto Rico’s EPS estimate is 0.54.
How many shares outstanding does First Bancorp Puerto Rico have?
First Bancorp Puerto Rico has 154,684,360 shares outstanding.
What happened to First Bancorp Puerto Rico’s price movement after its last earnings report?
First Bancorp Puerto Rico reported an EPS of $0.57 in its last earnings report, beating expectations of $0.514. Following the earnings report the stock price went down -1.539%.
Which hedge fund is a major shareholder of First Bancorp Puerto Rico?
Currently, no hedge funds are holding shares in FBP
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
First Bancorp Puerto Rico Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$27.00 (16.23% Upside)
$27.00 (16.23% Upside)
Blogger Sentiment
Bullish
FBP Sentiment 100%
Sector Average 67%
Sector Average 67%
Hedge Fund Trend
Decreased
By 652.9K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $194.6K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
31.82%
12-Months-Change
Fundamentals
Return on Equity
18.53%
Trailing 12-Months
Asset Growth
-0.11%
Trailing 12-Months
Company Description
First Bancorp Puerto Rico
First BanCorp., operating as the holding company for FirstBank Puerto Rico, delivers a broad spectrum of financial services to retail, commercial, and institutional clients. The company's operations are structured into six key 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 business financing, including commercial real estate, construction, and floor plan loans, alongside treasury and cash management services. Mortgage Banking handles the origination, sale, and servicing of residential mortgage loans, in addition to acquiring and selling mortgages in secondary markets. The Consumer (Retail) Banking segment provides personal financial products such as auto, boat, credit card, and personal loans, lines of credit, and various deposit accounts like checking, savings, IRAs, and retail CDs, complemented by finance leasing and insurance agency services. The Treasury and Investments segment is responsible for funding and liquidity management. Its United States Operations offer a range of deposit products, including checking, savings, money market accounts, and retail CDs, along with traditional commercial and industrial and commercial real estate loans, and digital services such as internet banking and cash management. Lastly, the Virgin Islands Operations concentrate on consumer and commercial lending as well as deposit-taking activities. First BanCorp. boasts an extensive branch network, comprising 64 locations in Puerto Rico, 8 in the U.S. and British Virgin Islands, and 11 branches in Florida. Established in 1948, the company is headquartered in San Juan, Puerto Rico.
FBP Company Deck
FBP Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call communicated multiple clear positives: record adjusted pre-tax pre-provision income, expanded NIM, strong ROA and capital ratios, meaningful share repurchases/dividends, and notable improvements in delinquency and nonperforming assets. Offsetting items included modest loan contraction driven by softer consumer/auto demand, a slightly lower allowance for credit losses with added qualitative reserve for geopolitical risk, a small uptick in net charge-offs, and continued near-term expense pressure from cloud/AI and outsourced tech investments. On balance, the strength in core operating performance, capital returns, credit trends, and cited margin tailwinds outweigh the headwinds.View all FBP earnings summariesFBP Stock 12 Month Forecast
Average Price Target
$27.00
▲(16.23% Upside)
Technical Analysis
Cathay General Bancorp
―
Fulton Financial
―
Independent Bank
―
OFG Bancorp
―
Eastern Bankshares
―
Ownership Overview
2.14% Insiders
32.75% Mutual Funds
8.98% Other Institutional Investors
18.52% Public Companies and
Individual Investors