First BanCorp. FBP

27.06 0.27 1.01% as of 25 Sep
Market cap
$4.1B
P/E
11.3×
Growth Flags show if company had growth for consecutive years

Insider Decisions

Total sells 2.38
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — 1 1 — — — 1 — 2 1
Insider Ownership 2.98%

Capital & Financial Ratios

Market Cap 4,090.00
Revenue 1,274.07
Net Income 372.56
Free Cash Flow 441.90
Net Debt (361.33)
Current Ratio 0.80
Debt/Equity 0.10
P/E ratio 11.32
P/S ratio 3.26
P/B ratio 2.10
Past 5Y EPS Growth 18.97%
This Y EPS Growth 11.54%
Next Y EPS Growth 6.25%
Next 5Y EPS Growth 8.60%
in millions of $

Dividends

Payout Ratio 0.33
Annual Dividend Rate 0.56
Annual Dividend Yield 3.42%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.80
0.20
0.20
0.20
2025 0.72
0.18
0.18
0.18
0.18
2024 0.64
0.16
0.16
0.16
0.16
2023 0.56
0.14
0.14
0.14
0.14
2022 0.46
0.10
0.12
0.12
0.12
2021 0.31
0.07
0.07
0.07
0.10
2020 0.25
0.05
0.05
0.05
0.05
0.05
2019 0.14
0.03
0.03
0.03
0.05
2018 0.03
0.03
2017 Powerpack
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 663 1,159 659 561
Receivables — — — —
Inventory — — — —
Other — — — —
12,672 13,749 13,623 13,660
2023 2024 2025 Q'26
Payables 16,750 17,062 16,876 17,064
ST’ Debt — — — —
Other — — — —
16,750 17,062 16,876 17,064
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 6.21% 9.31% 8.39%
Cash Flow 5.53% 8.54% 0.61%
Earnings 32.11% 28.20% 4.17%
Book Value 1.50% (2.87%) 14.06%

Revenue

Mar Jun Sep Dec Year
’26 318 323 — — —
’25 313 309 314 320 1,255
’24 302 304 307 312 1,226
’23 275 288 294 299 1,156
’22 231 240 252 263 986
’21 226 231 230 229 916
’20 195 180 200 229 804
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 121 92 — — —
’25 108 95 138 107 449
’24 118 71 118 97 404
’23 115 51 117 79 363
’22 115 105 115 106 440
’21 113 112 79 96 400
’20 92 31 48 127 298
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 116 88 — — —
’25 107 93 135 103 438
’24 115 69 115 95 395
’23 114 37 114 80 345
’22 108 101 112 101 421
’21 110 107 77 94 387
’20 87 28 44 122 282
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.57 0.62 — — —
’25 0.47 0.50 0.63 0.55 2.15
’24 0.44 0.46 0.45 0.46 1.81
’23 0.39 0.39 0.46 0.46 1.71
’22 0.41 0.38 0.40 0.40 1.59
’21 0.28 0.33 0.36 0.35 1.31
’20 0.01 0.09 0.13 0.23 0.46
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1.6
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
2.06 4.48 5.02 8.30 3.50 8.88 11.94 10.18 15.15 16.40

Analyst estimates 2026–2028

Powerpack
Low Price
7.05 7.02 9.68 11.94 10.67 14.91 16.62 17.15 22.40 22.61
High Price
2,701 2,553 2,643 2,674 3,317 3,075 3,133 3,168 3,113 3,218
Employees
0 0 0 0 0 0 0 0 0 0
Revenue/Emp
673 651 707 766 804 916 986 1,156 1,226 1,255
Revenue
84.97% 85.12% 85.92% 85.80% 88.48% 92.93% 93.17% 80.42% 76.53% 79.74%
Gross Margin
130 62 191 239 116 428 448 397 391 417
EBT
19.35% 9.52% 26.95% 31.23% 14.46% 46.71% 45.41% 34.37% 31.91% 33.20%
EBT Margin
93 67 202 167 102 281 305 303 299 345
Net Income
23 17 14 16 37 38 27 35 31 18
Depreciation
3.16 3.04 3.28 3.54 3.71 4.36 5.17 6.55 7.45 7.85
Revenue/Sh
0.44 0.30 0.92 0.76 0.46 1.32 1.60 1.72 1.82 2.16
Earnings/Sh
0.94 1.10 1.34 1.36 1.37 1.90 2.31 2.06 2.46 2.80
Cash Flow/Sh
(0.04) (0.03) 0.01 (0.10) (0.07) (0.06) (0.10) (0.10) (0.05) (0.07)
Capex/Sh
0.90 1.07 1.35 1.26 1.30 1.84 2.21 1.95 2.40 2.74
Free CF/Sh
8.39 8.74 9.48 10.29 10.49 10.00 6.95 8.48 10.14 12.30
Book Value/Sh
213 214 216 217 217 210 191 177 165 160
Shares
15.65 16.35 9.45 13.75 20.04 10.44 8.04 9.52 10.27 9.60
PE Ratio
2.13 1.67 2.62 2.99 2.49 3.16 2.49 2.50 2.50 2.64
PS Ratio
0.82 0.59 0.92 1.05 0.89 1.38 1.85 1.93 1.83 1.69
PB Ratio
3.00 1.99 3.10 3.14 1.40 0.80 2.87 2.50 2.01 2.35
EV/Sales
10.55 5.65 7.54 8.79 4.00 1.90 6.72 8.37 6.22 6.74
EV/FCF
199 236 288 294 298 400 440 363 404 449
Op' Cash Flow
(8) (7) 3 (21) (16) (13) (19) (18) (9) (11)
Capex
191 229 291 273 282 387 421 345 395 438
FCF
(174) (43) 67 (48) (2,889) (4,868) (4,595) (4,078) (3,313) (3,253)
Working Cap'
886 924 924 754 624 384 859 662 562 290
Total Debt
587 207 338 110 (870) (2,159) 378 (1) (598) (369)
Net Debt
1,786 1,869 2,045 2,228 2,275 2,102 1,326 1,498 1,669 1,967
Sh' Equity
0.76% 0.53% 1.62% 1.33% 0.63% 1.40% 1.55% 1.61% 1.56% 1.79%
ROA
3.43% 1.87% 5.00% 6.70% 6.35% 0.00% 16.42% 16.60% 22.82% 16.30%
ROIC
5.46% 3.59% 10.36% 7.84% 4.50% 12.78% 17.80% 21.46% 18.87% 18.97%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

First BanCorp. (FBP) key facts

  • First BanCorp. (FBP) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
  • First BanCorp.’s revenue for fiscal 2025 (year ended December 2025) was $1.3 billion, up 2.38% from fiscal 2024.
  • Net income was $344.9 million, or $2.16 per share (basic), a net margin of 27.5%.
  • As of September 25, 2026, FBP traded at $27.06, a market capitalization of $4.1 billion.
  • At that price the stock trades at 11.3× trailing-twelve-month earnings and 3.3× sales.
  • First BanCorp. pays an annual dividend of $0.56 per share, a yield of 3.42%, with a payout ratio of 33.1%.
  • Return on equity was 19.0% and debt-to-equity 0.10.

Source: company filings (standardised) and stockrow calculations.

First BanCorp. (FBP) Latest News

News by impact score

Fine-tune

24 Sep

3

FBNC has posted a strong multi-year run, prompting questions whether the current price fully reflects returns on its capital. Over 3 years the stock's price return is about 136.9%, raising the issue of capital efficiency. The bank's model turns deposits into earning assets and fee income, so how much value is created per dollar of equity matters. The piece contrasts earnings-based valuation (P/E ~19.4x) with capital-efficiency signals. In its Excess Returns framework, FBNC is assumed to sustain EPS of $5.15 on a book value of $41.49 per share, with an average ROE of 11.03% and a cost of equity of $3.38, yielding excess $1.77 per share. Projecting book value to a stable $46.67, intrinsic value is well above the current $62.22, implying a potential undervaluation. The analysis encourages testing assumptions via narrative and comparisons to 30 high-quality undervalued stocks. Excess Returns framework implies meaningful upside relative to the current price but is contingent on model assumptions.

24 Jul

3

First BanCorp beat earnings forecasts, recorded lower charge-offs and executed capital returns, drawing positive investor reactions. Earnings beat, reduced charge-offs and capital returns improve financial metrics and near-term sentiment for First BanCorp.

22 Jul

4 transcript

First BanCorp reported Q2 2026 earnings results and outlook during its earnings call, covering financial performance metrics and strategic updates. Q2 earnings call delivers financial results and management guidance that directly shape FBP valuation and investor outlook.

4

First BanCorp reported robust Q2 2026 growth fueled by strategic initiatives that strengthened operations and market position. Robust growth and strategic initiatives indicate significant positive effects on future performance and investor outlook.

4 transcript

First BanCorp. presented Q2 2026 earnings results and outlook during its earnings call. Earnings call delivers financial metrics and guidance that typically move stock price and investor views.

3

First BanCorp. released Q2 earnings call highlights detailing financial results, operational metrics, and management commentary on performance and outlook. Q2 earnings highlights deliver updated financial and strategic details likely to produce moderate short-term effects on stock sentiment and valuation.

3

First BanCorp (FBP) Q2 earnings released with key metrics compared to analyst estimates. Q2 earnings metrics versus estimates directly inform financial performance and near-term investor sentiment.

3

First BanCorp (FBP) Q2 earnings and revenues exceeded estimates. Earnings beat provides moderate short-term positive signal for FBP stock and sentiment.

3

First BanCorp. released earnings results for the quarter ended June 30, 2026. Quarterly earnings release supplies updated financial metrics that can shift near-term investor sentiment and valuation.

21 Jul

3

First Bancorp earnings preview outlines key metrics and factors investors should monitor for FBNC quarterly results and potential market reaction. Earnings preview can moderately sway short-term investor sentiment and valuation but rarely alters long-term company trajectory.

15 Jul

4

First BanCorp acquires First Carolina Bancshares in a $166 million deal. The $166 million acquisition expands First BanCorp assets and regional presence via major strategic move.

14 Jul

4

First BanCorp acquires First Carolina Bancshares Corporation to expand its South Carolina presence. Acquisition marks major strategic expansion altering First BanCorp trajectory in new market.

10 Jul

3

Analysts flag one bank stock for further research and turn down two others amid performance reviews, with First BanCorp (FBP) among those evaluated for investment suitability. Stock recommendations may shift near-term investor interest and sentiment for FBP.

6 Jul

3

First Bancorp posts Q3 earnings, triggering buy, sell or hold assessments for FBNC stock based on results and outlook. Post-Q3 earnings buy-sell-hold analysis can sway near-term investor sentiment and trading around First Bancorp shares.

16 Jun

3

First BanCorp. (FBP) shows two factors worth monitoring alongside one cautionary element that could affect its performance. Highlights specific factors that may moderately influence FBP operations and investor view without major trajectory shifts.

5 Jun

3

First BanCorp (NYSE:FBP) Q1 results benchmarked against other regional bank stocks. Q1 earnings benchmarking versus peers can moderately shift market views on FBP financial trajectory.

22 May

4 transcript

Fidelity Bank PLC reported record growth for full year 2025 during its earnings call. Record growth directly signals stronger financial results and improved investor outlook for FBP.

21 May

3

First BanCorp (FBP) valuation is reassessed after analyst upgrades and positive market reaction to quarterly earnings. Analyst upgrades after positive quarterly earnings moderately lift First BanCorp valuation and short-term investor sentiment.

23 Apr

4

First BanCorp. (FBP) Q1 earnings call highlights key financial results, performance metrics, and forward guidance for the quarter. Q1 earnings highlights reveal financial performance and guidance that significantly sway investor sentiment and stock trajectory.

4

First BanCorp (FBP) reported strong net income growth and strategic initiatives in Q1 2026 earnings call highlights. Strong net income growth and strategic developments positively influence financial performance and investor sentiment.

3

First BanCorp. (FBP) Q1 results highlight strong deposit growth and net interest margin expansion offsetting weaker loan demand. Deposit growth and NIM gains counter softer loans, moderately influencing financial performance amid balanced outlook.

22 Apr

4

First BanCorp. (FBP) Q1 2026 earnings call summary covers financial results, operational updates, and future outlook for the banking firm. Q1 2026 earnings summary details financial performance and strategic updates likely to significantly sway investor sentiment and stock trajectory.

4

First BanCorp (FBP) reported Q1 earnings, with key metrics indicating performance trends and financial health. Q1 earnings reports drive significant shifts in investor sentiment and stock valuation for banks.

4

First BanCorp (FBP) topped Q1 earnings estimates, reporting stronger-than-expected results. Beating Q1 earnings estimates signals robust financial performance, likely enhancing investor sentiment and stock trajectory.

4

First BanCorp. (FBP) announced earnings for the quarter ended March 31, 2026. Quarterly earnings announcements drive significant shifts in stock price and investor outlook for First BanCorp.

3

First BanCorp (NYSE: FBP) reported Q1 CY2026 sales exceeding analyst estimates. Exceeding Q1 sales estimates positively influences financial performance and market sentiment without fundamentally altering long-term trajectory.

21 Apr

4

First BanCorp (FBP) will report earnings tomorrow, with analysts outlining key expectations for performance metrics, revenue, and future outlook. Upcoming earnings report likely triggers significant stock volatility and shapes investor sentiment on financial health.

15 Apr

3

First BanCorp (FBP) earnings are expected to grow ahead of next week's release, with analysts forecasting improved financial performance driven by key operational metrics. Expected earnings growth anticipates moderately noticeable influence on financial performance and investor sentiment.

14 Apr

4

First BanCorp (FBP) Q4 earnings spark debate on whether to buy, sell, or hold the stock, analyzing financial results, growth prospects, and market position. Q4 earnings directly shape First BanCorp's financial trajectory and investor decisions.

10 Feb

3

First BanCorp. (NYSE: FBP) has announced an increase in its dividend to $0.20 per share. This decision reflects the company's strong financial performance and commitment to returning value to shareholders. The new dividend rate is expected to enhance investor confidence and attract more interest in the stock. The dividend increase indicates financial stability and may positively influence investor sentiment, but its overall impact on the company's long-term trajectory is expected to be limited.

stockrow.com/FBP · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com