Inside the research
First BanCorp.
FBP Research profile · latest available data
Price overview
$27.06
▲ +0.27 (+1.0%)
| 52w hi | $29.49 |
|---|---|
| 52w lo | $18.79 |
| Vol | 1.09M |
| As of | 25 Sep 2026 |
The Verdict
Our score +0.45
| Short | +0.37 |
|---|---|
| Medium | +0.49 |
| Long | +0.54 |
computed 2026-09-27
Key fundamentals
First BanCorp.
Financial Services · Banks - Regional
| Market cap | $4.13B |
|---|---|
| Enterprise value | $3.74B |
| Trailing P/E | 11.42x |
| Forward P/E | 10.62x |
| P / S (ttm) | 4.33x |
| Profit margin | 39.0% |
| Return on equity | 19.5% |
| Revenue growth | +9.4% |
| Earnings growth | +24.4% |
Layer Breakdown
| Layer | Raw | Contribution |
|---|---|---|
| Fundamental | +0.38 | |
| Sector | +0.02 | |
| Technical | +0.29 | |
| Earnings | +0.00 | |
| Sentiment | +0.00 |
macro × 1.00 · 2026-09-27
Business overview
First BanCorp. operates as the bank holding company for FirstBank Puerto Rico that provides financial products and services to consumers and commercial customers. It operates through six segments: Mortgage Banking; Consumer (Retail) Banking; Commercial and Corporate Banking; Treasury and Investments; United States Operations; and Virgin Islands Operations. The Mortgage Banking segment engages in the origination, sale, and servicing of various residential mortgage loans; hedging activities; purchase of mortgage loans from branch and mortgage bankers; and origination of residential real estate loans. The Consumer (Retail) Banking segment is involved in consumer lending, commercial lending to small businesses, commercial transaction banking, and deposit-taking activities. The Commercial and Corporate Banking segment offers lending and other services, including commercial lending and commercial deposit-taking activities. The Treasury and Investments segment manages funding; and obtains funds through brokered deposits, advances from the FHLB, and repurchase agreements involving investment securities, among other funding sources. The United States Operations segment provides checking, savings, and money market accounts; retail CDs; internet banking services; residential mortgages; home equity loans and lines of credit; retail deposits; cash management services; remote data capture; automated clearing house transactions; and traditional commercial and industrial, and commercial real estate products, such as lines of credit, term loans, and construction loans. The Virgin Islands Operations segment focuses on consumer and commercial lending, and deposit-taking activities. The company also offers automobile financing and insurance agency services. First BanCorp. was founded in 1948 and is headquartered in San Juan, Puerto Rico.
Risk Metrics
| Beta vs SPX | 0.86 |
|---|---|
| Corr SPX | 0.48 |
| Annual vol | 28.7% |
| Annual ret | +17.6% |
| Sharpe | 0.61 |
| Max DD | -24.1% |
Window: 504 trading days (504 obs)
Material Events
| Date | Event | 8-K |
|---|---|---|
| 2026-07-22 | Acquisition / Disposition, Exhibits | read |
| 2026-05-12 | Officer / Director Change, Shareholder Vote… | read |
| 2026-04-22 | Earnings Release, Exhibits | read |
| 2026-02-09 | Officer / Director Change, Exhibits | read |
| 2026-01-27 | Earnings Release, Exhibits | read |
| 2025-10-23 | Earnings Release, Exhibits | read |
| 2025-07-22 | Earnings Release, Exhibits | read |
| 2025-06-16 | Officer / Director Change | read |
| 2025-05-27 | Shareholder Vote | read |
| 2025-04-24 | Earnings Release, Exhibits | read |
| 2025-03-25 | Officer / Director Change | read |
| 2025-01-31 | Officer / Director Change, Other Material Event… | read |
SEC Filings
The Long Run
FY 2011–2025 · 15 years
| Line | Latest | CAGR | Trend |
|---|---|---|---|
| Revenue | $929.80M | -0.2% | |
| Net income | $344.87M | -1.2% | |
| Cash from ops | $448.56M | +4.5% |
Indices
Recent Sessions
| Date | Open | High | Low | Close | Vol |
|---|---|---|---|---|---|
| Sep 25 | $26.85 | $27.24 | $26.80 | $27.06 | 1.09M |
| Sep 24 | $26.80 | $26.95 | $26.55 | $26.79 | 1.19M |
| Sep 23 | $26.87 | $27.04 | $26.67 | $26.69 | 1.27M |
| Sep 22 | $27.57 | $27.66 | $26.89 | $26.91 | 1.52M |
| Sep 21 | $27.71 | $27.78 | $27.46 | $27.46 | 894.00K |
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