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FBPFirst BanCorp. NewHold5.8·$25.50+2.00%
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First BanCorp. New (FBP) Stock Analysis

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $25.50, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: Puerto Rico; Analyst target reached - limited upside remaining.

FirstBancorp (Puerto Rico) is a diversified financial holding company with approximately $18 billion in assets operating through FirstBank Puerto Rico, serving individuals and businesses in Puerto Rico, the U.S. Virgin Islands, and Florida. Revenue is primarily net interest... Read more

$25.50-1.8% A.UpsideScore 5.8/10#79 of 142 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield3.04%(5y avg 3.17%)Payout32.89%sustainable
Stop $24.64Target $25.05(resistance)A.R:R -1.1:1
Analyst target$26.00+2.0%6 analysts
$25.05our TP
$25.50price
$26.00mean
$25
$27

Hold if already holding. Not a fresh buy at $25.50, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: Puerto Rico; Analyst target reached - limited upside remaining. Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Score 5.8/10, moderate confidence.

Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 38d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-13

Recent Developments — First BanCorp. New

Generated 2026-06-15T18:11:46Z.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Tue, Jul 21, 202638d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (4/4)
Attractive valuation
Risks
Concentration risk — Geographic: Puerto Rico
Analyst target reached - limited upside remaining
Near 52-week high (-1.6% away)

Key Metrics

P/E (TTM)11.1
P/E (Fwd)10.4
Mkt Cap$3.9B
EV/EBITDA
Profit Mgn38.2%
ROE19.0%
Rev Growth8.1%
Beta0.83
Dividend3.04%
Rating analysts10

Quality Signals

Piotroski F8/9

Options Flow

P/C1.67bearish
IV104%elevated

Concentration Risks(10-K Item 1A)

  • HIGHGeographicPuerto Rico
    10-K Item 1A: 'A significant portion of our business activities and credit exposure is concentrated in Puerto Rico, which has faced prolonged economic and fiscal challenges.'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 floor-breaker

Technicals below the gate floor. Component breakdown shows what dragged the score down.static

Bollinger
0.0
Support Resistance
0.2
52w Position
10.0
GatesA.R:R -1.1=NEGATIVEMomentum 6.8>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 38d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Aggressive
RSI
74 · Overbought
20D MA 50D MA 200D MAGOLDEN CROSSSupport $22.88Resistance $25.56

Price Targets

$25
$25
A.Upside-1.8%
A.R:R-1.1:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-11.3% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-21 (38d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is FBP stock a buy right now?

Hold if already holding. Not a fresh buy at $25.50, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: Puerto Rico; Analyst target reached - limited upside remaining. Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Target $25.05 (-1.8%), stop $24.64 (−3.5%), A.R:R -1.1:1. Score 5.8/10, moderate confidence.

What is the FBP stock price target?

Take-profit target: $25.05 (-1.8% upside). Target $25.05 (-1.8%), stop $24.64 (−3.5%), A.R:R -1.1:1. Stop-loss: $24.64.

What are the risks of investing in FBP?

Concentration risk — Geographic: Puerto Rico; Analyst target reached - limited upside remaining; Near 52-week high (-1.6% away).

Is FBP overvalued or undervalued?

First BanCorp. New trades at a P/E of 11.1 (forward 10.4). TrendMatrix value score: 7.7/10. Verdict: Hold.

What do analysts say about FBP?

10 analysts cover FBP with a consensus score of 4.0/5. Average price target: $26.

What does First BanCorp. New do?FirstBancorp (Puerto Rico) is a diversified financial holding company with approximately $18 billion in assets...

FirstBancorp (Puerto Rico) is a diversified financial holding company with approximately $18 billion in assets operating through FirstBank Puerto Rico, serving individuals and businesses in Puerto Rico, the U.S. Virgin Islands, and Florida. Revenue is primarily net interest income from loans and investments; operations and credit exposure are heavily concentrated in Puerto Rico.

Related stocks: INTR (Inter & Co. Inc.) · CUBI (Customers Bancorp, Inc) · GABC (German American Bancorp, Inc.) · IFS (Intercorp Financial Services In) · SSB (SouthState Bank Corporation)
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