Financhill
Buy
56

FBP Quote, Financials, Valuation and Earnings

Last price:
$21.48
Seasonality move :
9.29%
Day range:
$21.20 - $21.75
52-week range:
$16.40 - $22.61
Dividend yield:
3.35%
P/E ratio:
10.44x
P/S ratio:
2.79x
P/B ratio:
1.77x
Volume:
4.1M
Avg. volume:
1.3M
1-year change:
17.31%
Market cap:
$3.4B
Revenue:
$1.2B
EPS (TTM):
$2.06

Analysts' Opinion

  • Consensus Rating
    First BanCorp (Puerto Rico) has received a consensus rating of Buy. The company's average rating is a Buy based on 4 Buy ratings, 1 Hold rating, and 0 Sell ratings.
  • Price Target Upside
    According to analysts' consensus price target of $24.17, First BanCorp (Puerto Rico) has an estimated upside of 12.51% from its current price of $21.48.
  • Price Target Downside
    According to analysts, the lowest downside price target is $23.00 representing 100% downside risk from its current price of $21.48.

Fair Value

  • According to the consensus of 5 analysts, First BanCorp (Puerto Rico) has 12.51% upside to fair value with a price target of $24.17 per share.

FBP vs. S&P 500

  • Over the past 5 trading days, First BanCorp (Puerto Rico) has overperformed the S&P 500 by 1.31% suggesting its relative strength compared to the major market average is strong at this time.

Share Buyback

  • First BanCorp (Puerto Rico) does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • First BanCorp (Puerto Rico) has grown year-over-year revenues for 21 quarters straight. In the most recent quarter First BanCorp (Puerto Rico) reported revenues of $312.5M.

Earnings Growth

  • First BanCorp (Puerto Rico) has grown year-over-year earnings for 3 quarters straight. In the most recent quarter First BanCorp (Puerto Rico) reported earnings per share of $0.63.
Enterprise value:
3.7B
EV / Invested capital:
--
Price / LTM sales:
2.79x
EV / EBIT:
5.52x
EV / Revenue:
2.95x
PEG ratio (5yr expected):
0.76x
EV / Free cash flow:
8.66x
Price / Operating cash flow:
8.20x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
1.75%
Net Income Margin (TTM):
26.72%
Return On Equity:
18.71%
Return On Invested Capital:
15.03%
Operating Margin:
33.99%
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Income Statement
Revenue $1.1B $1.2B $1.2B $307M $312.5M
Gross Profit -- -- -- -- --
Operating Income $409.8M $375.3M $404.1M $94.9M $106.2M
EBITDA -- -- -- -- --
Diluted EPS $1.64 $1.81 $2.06 $0.45 $0.63
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Balance Sheet
Current Assets $2.8B $654.8M $682.3M $771.8M $975M
Total Assets $21.3B $18.4B $18.6B $18.9B $19.3B
Current Liabilities $7.3B $6.2B $7.5B $8.3B $12.5B
Total Liabilities $19.1B $17.2B $17.3B $17.2B $17.4B
Total Equity $2.2B $1.3B $1.3B $1.7B $1.9B
Total Debt $798M $383.8M $661.7M $611.7M $290M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Cash Flow Statement
Cash Flow Operations $387.9M $388.3M $433.6M $118.8M $139.4M
Cash From Investing -$154.2M $116.1M -$169.6M $201.6M -$123.6M
Cash From Financing -$203.8M -$403.9M -$49.8M -$221.3M $147.1M
Free Cash Flow $363M $377.3M $425.1M $116.3M $136.5M
FBP
Sector
Market Cap
$3.4B
$566.8M
Price % of 52-Week High
95.02%
92.6%
Dividend Yield
3.35%
1.57%
Shareholder Yield
8.25%
3.13%
1-Year Price Total Return
17.31%
8.67%
Beta (5-Year)
0.911
0.479
Dividend yield:
3.35%
Annualized payout:
$0.64
Payout ratio:
28.66%
Growth streak:
6 years

Technicals

8-day SMA
Buy
Level $21.37
200-day SMA
Buy
Level $20.45
Bollinger Bands (100)
Buy
Level 20.1 - 21.92
Chaikin Money Flow
Buy
Level 45.4M
20-day SMA
Buy
Level $20.57
Relative Strength Index (RSI14)
Buy
Level 63.32
ADX Line
Buy
Level 23.7
Williams %R
Neutral
Level -22.1719
50-day SMA
Buy
Level $20.37
MACD (12, 26)
Buy
Level 0.37
25-day Aroon Oscillator
Buy
Level 84
On Balance Volume
Neutral
Level 76.9M

Financial Scores

Sell
Altman Z-Score (Annual)
Level (-0.0123)
Sell
CA Score (Annual)
Level (-2.1977)
--
Beneish M-Score (Annual)
Level (--)
Sell
Momentum Score
Level (5)
Sell
Ohlson Score
Level (2.9157)
Buy
Piotroski F Score (Annual)
Level (7)
Buy
Quality Ratio Score
Level (2)
Buy
Fundamental Score
Level (7)

Revenue Forecast

Earnings per Share Forecast

Company Profile

First BanCorp (Puerto Rico) is a holding company, which engages in the provision of personal, commercial, and corporate banking services. It operates through the following segments: Commercial and Corporate Banking, Consumer (Retail) Banking, Mortgage Banking, Treasury and Investments, United States Operations, and Virgin Islands Operations. The Commercial and Corporate Banking segment consists of the company's lending and other services for large customers represented by specialized and middle-market clients and the public sector. The Consumer (Retail) Banking segment includes consumer lending and deposit-taking activities conducted mainly through FirstBank's branch network in Puerto Rico. The Mortgage Banking segment focuses on the origination, sale, and servicing of a variety of residential mortgage loan products and related hedging activities. The Treasury and Investments segment deals with treasury and investment management functions. The United States Operations segment represents all banking activities conducted by FirstBank on the United States mainland. The Virgin Islands Operations segment includes all banking activities conducted by FirstBank in the U.S. Virgin Islands and the British Virgin Islands. The company was founded on October 29, 1948 and is headquartered in San Juan, Puerto Rico.

Stock Forecast FAQ

In the current month, FBP has received 4 Buy ratings 1 Hold ratings, and 0 Sell ratings. The FBP average analyst price target in the past 3 months is $24.17.

  • Where Will First BanCorp (Puerto Rico) Stock Be In 1 Year?

    According to analysts, the consensus estimate is that First BanCorp (Puerto Rico) share price will rise to $24.17 per share over the next 12 months.

  • What Do Analysts Say About First BanCorp (Puerto Rico)?

    Analysts are divided on their view about First BanCorp (Puerto Rico) share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that First BanCorp (Puerto Rico) is a Sell and believe this share price will drop from its current level to $23.00.

  • What Is First BanCorp (Puerto Rico)'s Price Target?

    The price target for First BanCorp (Puerto Rico) over the next 1-year time period is forecast to be $24.17 according to 5 Wall Street analysts, 4 of them rate the stock a Buy, 0 rate the stock a Sell, and 1 analyst rates the stock a Hold.

  • Is FBP A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for First BanCorp (Puerto Rico) is a Buy. 4 of 5 analysts rate the stock a Buy at this time.

  • How Can I Buy Shares Of FBP?

    You can purchase shares of First BanCorp (Puerto Rico) via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase First BanCorp (Puerto Rico) shares.

  • What Is The First BanCorp (Puerto Rico) Share Price Today?

    First BanCorp (Puerto Rico) was last trading at $21.48 per share. This represents the most recent stock quote for First BanCorp (Puerto Rico). Yesterday, First BanCorp (Puerto Rico) closed at $21.48 per share.

  • How To Buy First BanCorp (Puerto Rico) Stock Online?

    In order to purchase First BanCorp (Puerto Rico) stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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