First BanCorp. New (FBP) Stock Analysis
Breakout setup
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $24.29, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: Puerto Rico; Analyst target reached - limited upside remaining.
First BanCorp. is a Puerto Rico-chartered financial holding company with 19.1 billion in total assets as of December 31, 2025, operating FirstBank through 57 Puerto Rico branches, 8 USVI and BVI branches, and 8 Florida branches. Revenue derives from commercial and consumer... Read more
Hold if already holding. Not a fresh buy at $24.29, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: Puerto Rico; Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 64, MACD bullish. Maintain position. Not compelling to add more. Score 5.9/10, moderate confidence.
Passes 6/8 gates (clean insider activity, no SEC red flags, news boost analyst 0.35, news boost analyst cluster(8), earnings proximity 80d clear, semi cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHGeographicPuerto Rico10-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.'
Material Events(8-K, last 90d)
- 2026-02-09Item 5.02MEDIUMOrlando Berges announced retirement as EVP and CFO effective June 30, 2026 (serving since 2009). Said Ortiz appointed new CFO effective July 1, 2026; currently SVP and Chief Accounting Officer. Clean handoff with named successor.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
10 dimensions · all in-band
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $24.29, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: Puerto Rico; Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 64, MACD bullish. Maintain position. Not compelling to add more. Target $24.02 (-1.1%), stop $23.05 (−5.4%), A.R:R -0.7:1. Score 5.9/10, moderate confidence.
Take-profit target: $24.02 (-1.1% upside). Target $24.02 (-1.1%), stop $23.05 (−5.4%), A.R:R -0.7:1. Stop-loss: $23.05.
Concentration risk — Geographic: Puerto Rico; Analyst target reached - limited upside remaining; Near 52-week high (0.9% away).
First BanCorp. New trades at a P/E of 10.8 (forward 10.3). TrendMatrix value score: 7.9/10. Verdict: Hold.
11 analysts cover FBP with a consensus score of 3.9/5. Average price target: $26.
What does First BanCorp. New do?First BanCorp. is a Puerto Rico-chartered financial holding company with 19.1 billion in total assets as of December...
First BanCorp. is a Puerto Rico-chartered financial holding company with 19.1 billion in total assets as of December 31, 2025, operating FirstBank through 57 Puerto Rico branches, 8 USVI and BVI branches, and 8 Florida branches. Revenue derives from commercial and consumer banking, mortgage banking, auto financing, and insurance agency services primarily concentrated in Puerto Rico.