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Buy Day today: Good (62) Broad market participation · no major macro event
FBP

First BanCorp.

Financial Services · Banks - Regional · listed since 1992

27.50$ -0.5% vs. previous close Closing price · As of: Sep 17, 2026
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Assessment

Our Rating

A journalistic assessment by our editorial team at the time of the deep dive — it rates the company, not the entry point. Not investment advice and not a solicitation to buy or sell.

Open questions

The business works in principle, but one material question is open. As long as it stays open, our findings do not carry a quality verdict.

Why this colour

The business is demonstrably excellent, the valuation already reflects it, and the open questions can be checked quarter by quarter against specific numbers. Anyone watching should track three things: does early delinquency stay above $143.4 million, or was the second-quarter 2026 jump an outlier? Does the unrealized-loss position in equity fall back below $368.4 million? And does adjusted earnings power of $325.3 million hold up in 2026 without tax one-offs? Then the island itself: how much federal funding does Puerto Rico receive in the fiscal year that began July 1, 2026? On the capital side the buyback machine speaks for itself — 84 percent of quarterly earnings most recently went back to shareholders. The decision is yours.

What the thesis turns on

Assessment: Opportunities & Risks

First BanCorp is the scar trap in its purest form: the price chart sits roughly 91 percent below its split-adjusted December 2004 high and therefore tells the story of the 2009-2013 near-death and the 1-for-15 reverse split of January 7, 2011 — not of today's business. That business is as good as it has ever been: $96.2 million of quarterly net income, a 2.02 percent return on average assets, 16.96 percent common equity tier 1 and 84 percent of earnings returned to shareholders in the second quarter of 2026. Whoever buys today is therefore no longer buying a turnaround but a highly profitable island bank at roughly two times book — with a Puerto Rico concentration, a $368.4 million unrealized-loss hole in equity and about $20 million of one-time items inside the record year 2025. Not investment advice.

Earnings power

In the second quarter of 2026 First BanCorp delivered a 2.02 percent return on average assets, a 19.49 percent return on equity and a 48.07 percent efficiency ratio — its 18th consecutive quarter above a 1.5 percent return on assets. The net interest margin rose for five straight quarters to 4.87 percent, and 2025 net income of $344.9 million was a company record.

Capital & capital return

Common equity tier 1 at 16.96 percent and total capital at 18.21 percent as of June 30, 2026, plus available liquidity of 19.60 percent of total assets. The second quarter of 2026 saw $50.0 million of buybacks at an average price of $25.08 and $31.0 million of dividends — 84 percent of quarterly earnings; shares outstanding fell from 161.5 million to 152.7 million within a year.

Geographic concentration

The 2025 annual report lists Puerto Rico concentration as its own risk factor: 2,854 of 3,218 employees and 57 of 73 branches sit there, alongside $297.8 million of direct exposure to the government and municipalities (December 31, 2025). The island budget has been under PROMESA supervision since 2016 and assumes roughly $1.2 billion less federal funding in fiscal 2026.

Balance sheet quality

Credit quality is good (non-performing assets at 0.59 percent of total assets, a 0.49 percent charge-off ratio as of June 30, 2026), but equity of $1,976.8 million contains $368.4 million of unrealized securities losses — 18.6 percent, and larger rather than smaller after the first half of 2026. Early delinquency rose by $32.9 million to $143.4 million in the second quarter of 2026, mostly in auto loans.

Earnings quality

Of the record $344.9 million earned in 2025, $325.3 million remains after the company's own adjustments; $16.6 million alone came from releasing a valuation allowance on crisis-era loss carryforwards, triggered by Puerto Rico's Act 65-2025. On an adjusted basis 2025 earnings grew 8.6 percent rather than 15.4 percent.

Valuation

At the quarter-end close of $26.07 (June 30, 2026) the stock trades at roughly two times book value of $12.95 per share and about twelve times 2025 earnings. For a bank earning 19.5 percent on equity that is defensible but offers no margin of safety; the average analyst target price was $30.71 (data as of July 25, 2026).

Worth Noting

First BanCorp reached our research list through our in-house stock screen "turnaround candidates": on the morning of July 25, 2026 at rank 11 of 62 U.S. hits with a turnaround check of 7 out of 8 points. By the evening of the same day the stock had dropped out of that screen, and the U.S. selection has shown 60 hits since. The deciding factor was neither the turnaround check, which still stands unchanged at 7 out of 8, nor the mandatory pillar of being at least 50 percent below the all-time high — at 92.21 percent below it, the stock still clears that one by a wide margin. It is the mandatory pillar "survival": it requires an Altman Z-score of at least 1.1, and the data set reports 0.50 for First BanCorp. The screens are recomputed daily; a ranking is a dated snapshot, not a property of the company. The stock remains a member of the lists "Jim Slater: Zulu Principle" and "US Dividend Rockets" (as of July 25, 2026).

An important note on the screen: the classic Altman Z-score used by the filter to gauge distance from insolvency was developed in 1968 for manufacturing companies and is not meaningful for bank balance sheets — capital ratios are what matter (16.96 percent common equity tier 1, 18.21 percent total capital as of June 30, 2026). Conversely, this stock clears the mandatory pillar of being at least 50 percent below its all-time high not because the business is weak, but because the split-adjusted high dates from December 2004 and the 1-for-15 reverse split of January 7, 2011 still shapes the adjusted chart. How little that distance says about the present is shown by the same data date from the other side: at the closing price of July 24, 2026 ($28.82) the stock traded just 0.14 percent below its 52-week high.

All figures are dated and evergreen: annual figures from the 10-K for 2025, quarterly figures from the 10-Q as of March 31, 2026 and the earnings release on Form 8-K of July 22, 2026 (quarter ended June 30, 2026); valuation and analyst data as of July 25, 2026. The $26.07 price cited is the closing price documented in the quarterly release for June 30, 2026, not a daily quote.

Risk of confusion: First BanCorp. of Puerto Rico (NYSE: FBP) is neither First Bancorp of North Carolina (Nasdaq: FBNC) nor the former First BanCorp of Maine. The authoritative identifier is SEC CIK 0001057706, registered as "FIRST BANCORP /PR/".

Read the Full Deep Dive First BanCorp: the bank turned around long ago — the chart did not An in-house screen looks for beaten-down stocks whose business is measurably turning, and on the morning of July 25, 2026 it returned a bank that has been posting records for years. By that evening the stock had dropped out of the list again, because the mandatory Altman Z-score barely applies to bank balance sheets. First BanCorp of Puerto Rico earned $344.9 million in 2025 and another $96.2 million in the second quarter of 2026, at a 2.02 percent return on average assets. Yet the stock still sits roughly 91 percent below its split-adjusted December 2004 high, because a near-death experience, a half-billion-dollar loss and a 1-for-15 reverse split sit in between. We read the filings to the U.S. securities regulator, the SEC, and ask what is left of the turnaround, what it cost and which risks the island still carries. Not investment advice — just the question of what a price chart hides about a bank. Read the analysis →

Stock Watch

This analysis is as of August 26, 2026. Stock Watch will tell you what's changed at FBP since then.

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Price history

Chart

Interactive price chart (TradingView).

52-week range: 19.30 $ to 29.70 $ · Last price: 27.50 $ (As of: September 17, 2026)

Key figures

Key figures at a glance

Every figure we hold for this stock, grouped by topic. The question mark next to a label explains what the number means.

Basics

Market Cap ?The value of the entire company on the market: share price times total shares outstanding. 4.2$B
Shares Outstanding ?Total number of shares issued. Price times share count gives market cap. 153m
Float ?Share of stock freely tradable on the market — not locked up in the hands of founders, insiders, or major shareholders. 96.8%
Beta ?Volatility versus the overall market: 1 = moves like the market, 2 = twice as much, under 1 = calmer than the market. 0.8

Performance

Perf. 1M ?Price performance over the last month. 9.10%
Perf. 3M ?Price performance over the last 3 months. 18.50%
Perf. 6M ?Price performance over the last 6 months. 33.40%
YTD Performance (%) ?Price performance since the start of the year (Year to Date). 39.03%
52-Week-High Distance ?How far the price sits below its highest point over the last 52 weeks. 0% means the stock is at its year high. -0.1%
Perf. 1Y ?Price performance over the last 12 months. 31.14%
Perf. 3Y ?Price performance over the last 3 years. 123.60%
Perf. 5Y ?Price performance over the last 5 years. 168.97%
Perf. 10Y ?Price performance over the last 10 years. 643.74%
Perf. Since Inception ?Price performance since the first available trading day (01/13/1987) — with a complete history, that is since the IPO. 578.79%

Technical Indicators

MA 38 Days ?Moving average of the last 38 trading days: the smoothed price path. A price above it signals short-term strength. 28.50$
MA 50 Days ?Moving average of the last 50 trading days — the most widely watched medium-term trend line. 28.30$
MA 200 Days ?Moving average of the last 200 trading days — the dividing line between a long-term uptrend and downtrend. 24.10$
RSI (14) ?Relative Strength Index over 14 days, scale 0 to 100: above 70 counts as overbought, below 30 as oversold. A hint on timing, not a verdict on the company. 40.7
Volatility 30 Days ?Price swings over the last 30 trading days, annualized. The higher the value, the more the price fluctuates. 17.0%
Volatility 250 Days ?Price swings over the last 250 trading days (roughly one market year), annualized. 24.7%

Calculated from the price history · as of 09/18/2026

Valuation

P/E ?Price-to-earnings ratio: how many years of profit does the stock cost? The lower, the cheaper the valuation. No earnings means no P/E. 12.4
Forward P/E ?P/E based on expected earnings for the next 12 months instead of past earnings — analysts' bet on the future. 20.7
PEG ?P/E divided by expected earnings growth: puts valuation in relation to growth. Around 1 is considered fair, well above that is pricey. 4.1
P/B ?Price-to-book ratio: market value relative to book equity. 2.2
P/S ?Price-to-sales ratio: market value divided by annual sales. Important for companies that aren't (yet) profitable. 3.3
EV/EBITDA ?Enterprise value including debt (EV) relative to operating profit before depreciation and amortization (EBITDA) — more comparable than P/E because debt counts too. Extreme values arise when EBITDA is near zero. 0.0
Price/FCF ?Market value divided by free cash flow: how many years of freely available cash does the stock cost? More honest than P/E because cash flow is harder to dress up. –

Profitability

Gross Margin ?Gross margin: what's left of sales after only direct production costs are deducted — the product's pricing power. 100.0%
EBIT Margin ?EBIT margin: operating profit as a percentage of sales — the earning power of the core business before interest and taxes. 49.1%
Net Margin ?Net margin: what's left of sales as profit after ALL costs, interest, and taxes. 39.0%
Return on Equity ?Return on equity: how much profit does the company generate per year on shareholders' equity? 19.5%
Return on Assets ?Return on assets: how much profit the company generates from its total assets (equity and debt combined). 2.0%

Balance Sheet & Safety

Equity Ratio ?Equity ratio: equity as a share of total assets. The higher, the more resilient the balance sheet. 10.3%
Debt/Equity ?Leverage ratio: financial debt divided by equity. Under 1 is generally seen as solid; negative values mean negative equity. 0.2
Altman Z″ ?Edward Altman's bankruptcy early-warning score. We use the Z″ variant, built from four balance-sheet ratios — it is designed for service companies and non-manufacturers and uses book value instead of market value. On that scale: below 1.1 = danger zone, 2.6 and up = safe zone, in between a grey area. Because the classic Altman Z is calculated differently, the two numbers are not directly comparable. The formula does not fit banks, insurers, or real-estate stocks. 0.50
Piotroski ?Balance-sheet health check by Joseph Piotroski: 9 yes/no criteria on profit, cash flow, leverage, and efficiency. 7+ is very solid, under 3 is a red flag. very solid 9 out of 9

Growth

Sales Growth Last Quarter ?Sales growth in the most recently reported quarter versus the same quarter a year ago (YoY). 9.40%
EPS Growth Last Quarter ?Growth in earnings per share in the most recently reported quarter versus the same quarter a year ago (YoY). 24.40%
Sales Growth (Year) ?Sales growth in the last fiscal year versus the year before. 5.35%
Forward Sales Growth ?Sales growth analysts expect over the next 12 months — an estimate, not a guarantee. -78.04%
Forward EPS Growth ?Earnings-per-share growth analysts expect over the next 12 months — an estimate, not a guarantee. 18.80%

Dividend

Dividend Yield ?Annual dividend divided by the current price: what percentage of your investment comes back as a payout each year. 2.85%
Dividend Per Share (TTM) ?Sum of dividends paid per share over the last 12 months. 0.76$
Payout Ratio ?Share of profit paid out as dividends. Over 100% means the company is paying out more than it earns — not sustainable long-term. 32.9%
Years Without a Cut ?How many years in a row the dividend hasn't been cut — a measure of reliability. 7Years
Increase Streak ?How many years in a row the dividend has been raised — the gold standard for dividend payers. 7Years

Quality & Screener

Stage ?Weinstein phases 1 through 4: 1 = basing, 2 = uptrend (the only buy phase), 3 = topping, 4 = downtrend. Measured against the 30-week line. 2
RS Rating ?Relative strength from 1 to 99: an RS of 95 means the stock has outperformed 95% of all stocks. 71
EPS Rating ?Earnings growth rating from 1 to 99 versus all stocks — high values mean above-average earnings growth. 66
Fundamental Rating ?Our own Fundamental Rating: 0 to 100 points with an A+ to F grade. 50 points is the average across the universe, 100 the best possible score. It scores growth, earnings surprises, analyst estimates, margins, cash flow, and balance-sheet safety — every stock percentile-ranked against all others. Grades: A+ from 95, A from 75, B from 55, C from 45, D from 25, E from 5, F below. B (60 out of 100)

Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.

Comparison

Industry comparison

The stock alongside the largest companies in the same group. The median row is the middle value of the companies shown above — not of the whole industry.

Industry: Banks - Regional

Industry comparison
Company Market cap ($B) P/E EV/EBITDA Gross Margin % EBIT Margin % Sales Growth (Year) % Perf. 1Y %
First BanCorp. FBP 4.2 12.4 0.0 100.0 49.1 5.4 31.1
Mizuho Financial Group Inc. MFG 135.7 17.4 0.0 100.0 46.7 10.4 70.5
HDFC Bank Limited HDB 116.5 15.8 0.0 100.0 33.3 24.3 -33.2
ICICI Bank Limited IBN 101.0 17.5 0.0 100.0 38.5 6.0 -12.0
U.S. Bancorp USB 92.6 12.8 0.0 100.0 37.8 0.4 26.3
PNC Financial Services Group Inc PNC 92.4 13.6 0.0 100.0 36.7 -7.0 17.6
Itau Unibanco Banco Holding SA ITUB 91.5 10.0 0.0 100.0 39.1 18.0 29.3
Deutsche Bank AG DB 73.5 10.3 0.0 100.0 33.4 -8.3 11.7
Nu Holdings Ltd NU 67.3 21.7 0.0 100.0 48.2 43.0 -13.1
Median of companies shown 92.4 13.6 0.0 100.0 38.5 6.0 17.6

Based on the most recently reported figures. Only stocks from the same trading venue are lined up, so the market caps are counted in one currency. Compare in a chart →

Fiscal years

Annual Figures

Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.

Revenue, operating income and net income per fiscal year $M

Revenue Operating income Net income

2016 · Revenue: 639 $M 2016 · Operating income: 130 $M 2016 · Net income: 93 $M 2017 · Revenue: 621 $M 2017 · Operating income: 62 $M 2017 · Net income: 67 $M 2018 · Revenue: 669 $M 2018 · Operating income: 191 $M 2018 · Net income: 202 $M 2019 · Revenue: 731 $M 2019 · Operating income: 239 $M 2019 · Net income: 167 $M 2020 · Revenue: 770 $M 2020 · Operating income: 116 $M 2020 · Net income: 102 $M 2021 · Revenue: 882 $M 2021 · Operating income: 428 $M 2021 · Net income: 281 $M 2022 · Revenue: 954 $M 2022 · Operating income: 448 $M 2022 · Net income: 305 $M 2023 · Revenue: 1,124 $M 2023 · Operating income: 397 $M 2023 · Net income: 303 $M 2024 · Revenue: 1,193 $M 2024 · Operating income: 391 $M 2024 · Net income: 299 $M 2025 · Revenue: 1,257 $M 2025 · Operating income: 417 $M 2025 · Net income: 345 $M
2016201720182019202020212022202320242025
Annual Figures
Fiscal Year Revenue ($M) EBIT ($M) Net Income ($M) EPS ($) Operating Cash Flow ($M) Equity ($M) Total Assets ($M)
2016 639 130 93 0.43 199 1,786 11,922
2017 621 62 67 0.31 236 1,869 12,261
2018 669 191 202 0.93 288 2,045 12,244
2019 731 239 167 0.77 294 2,228 12,611
2020 770 116 102 0.47 298 2,275 18,793
2021 882 428 281 1.33 400 2,102 20,785
2022 954 448 305 1.59 440 1,326 18,634
2023 1,124 397 303 1.71 363 1,498 18,910
2024 1,193 391 299 1.81 404 1,669 19,293
2025 1,257 417 345 2.15 445 1,967 19,133

Quarters

Quarterly Figures

Each bar is one quarter, the last one is the most recent. Use the switch to step through the individual figures.

Revenue & Profit

Cash Flow

Balance Sheet

Margins

Per Share

Click the chart or tab into it, then use ← and → to step through the periods.

None of the selected stocks reports this metric. Pick another metric or switch between annual and quarterly.

These companies report in different currencies — switch on “Indexed” or pick a margin for a fair comparison.

The figures could not be loaded right now.

Sales Per Quarter ($M)
2024: Q3 · 301.6 $M Q3 2024: Q4 · 291.7 $M Q4 2025: Q1 · 308.8 $M Q1 2025: Q2 · 302.1 $M Q2 2025: Q3 · 304.5 $M Q3 2025: Q4 · 320.4 $M Q4 2026: Q1 · 318.5 $M Q1 2026: Q2 · 324.3 $M Q2

Source: fundamental data

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q3 0.45 -2.20 302 2.20 24.40 118 115
2024: Q4 0.46 0.00 292 6.30 25.90 97 95
2025: Q1 0.47 6.80 309 3.20 25.00 108 107
2025: Q2 0.50 8.70 302 0.60 26.50 95 93
2025: Q3 0.63 40.00 305 1.00 33.00 138 135
2025: Q4 0.55 19.60 320 9.80 27.20 110 106
2026: Q1 0.57 21.30 319 3.10 27.90 115 110
2026: Q2 0.62 24.00 324 7.40 29.70 – –

What Do These Terms Mean?

EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

Compare with other stocks →

Screening

Appears in These Scanners

This stock currently matches 21 of our scanner strategies — each hit links to the scanner.

Growth

Quality & Balance Sheet

Aktien.Guide

Breakout & Setup

Dividends

Momentum & Trend

Research

Value & GARP

Only genuine hits from verified scanners count; pure ranking metrics (P/E, P/S, and similar, which just sort the whole universe) don't count as a hit. View all scanners

Outlook

Analysts & Price Target

Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.

Consensus Sell 1 = Strong buy … 5 = Strong sell
Analyst Ratings 6
Price Target (average) 31.71$
Distance to price 15.3% The price target sits 15.3% above the current price.

Distribution of Recommendations

Strong Buy 4
Buy 0
Hold 2
Sell 0
Strong Sell 0

Estimates by Fiscal Year

Estimates by Fiscal Year
Fiscal Year EPS Estimate ($) EPS Range ($) Revenue Estimate ($M) Expected Growth Analysts
12/31/2026 2.40 2.36 – 2.42 1,090 18.5% 7
12/31/2027 2.55 2.36 – 2.65 1,138 6.3% 7

Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.

Valuation

What is priced in?

Instead of guessing what the stock is worth, we turn the question around: what free cash flow growth has to happen for today’s market value to add up? The assumptions behind it can be moved.

Today’s market value implies roughly -2.5% growth in free cash flow per year over ten years (assumptions: discount rate 10.0%, terminal growth 2.5%).

What is priced in?
Free cash flow (last twelve months) $438.4M
Market cap $4.20B
Free cash flow in year ten $341.7M
Terminal value as a share of market value 42.9%

For comparison: over the past five years free cash flow grew by 9.0% per year.

It shows which assumption is built into today’s price, not whether that assumption will hold. Every assumption can be changed with the sliders; the figures move with them.

A simplified model calculation — not a forecast and not a recommendation.

AI classification

AI Rating

Threatened

Beide Geschäftsberichte nennen künstliche Intelligenz in den Risikofaktoren als konkrete Wettbewerbsgefahr für margenstarke Bankleistungen (Finanzberatung, Zahlungsverkehr, Vermögensverwaltung); eine eigene KI-Umsatzquelle weist First BanCorp nicht aus.

View the full file — quotes, sources, reviewed filings
„Advances in artificial intelligence, digital platforms, and automated advisory tools are enabling non-bank competitors to offer services traditionally provided by banks, including personal financial guidance, payments, and wealth management, often at lower cost and with greater speed or convenience."

Fortschritte bei künstlicher Intelligenz, digitalen Plattformen und automatisierten Beratungswerkzeugen versetzen Wettbewerber außerhalb des Bankensektors in die Lage, Leistungen anzubieten, die traditionell von Banken erbracht wurden — darunter persönliche Finanzberatung, Zahlungsverkehr und Vermögensverwaltung —, oft zu geringeren Kosten und mit größerer Geschwindigkeit oder Bequemlichkeit.

10-K · 2026-02-27 · View SEC filing

„companies which claim to offer applications and services based on artificial intelligence are beginning to compete much more directly with traditional financial services companies in areas involving personal advice, including high-margin services such as financial planning and wealth management."

Unternehmen, die nach eigenen Angaben Anwendungen und Dienste auf Basis künstlicher Intelligenz anbieten, beginnen, deutlich direkter mit klassischen Finanzdienstleistern in Bereichen der persönlichen Beratung zu konkurrieren — einschließlich margenstarker Leistungen wie Finanzplanung und Vermögensverwaltung.

10-K · 2025-02-28 · View SEC filing

Filings Reviewed: 10-Q 2026-05-08 · 10-Q 2025-11-07 · 10-Q 2025-08-07 · 10-Q 2025-05-09 · 10-K 2026-02-27 · 10-K 2025-02-28

Rated on July 25, 2026 · How the Rating Is Built

Growth

Growth Score

Ten checks against the annual reports — each one passed counts a point.

5 of 10 Solid growth
  • Revenue grows by more than 15% a year over three years 9.6%
  • More than 10% revenue growth is expected for the coming year -78.0%
  • Share count grows by less than 3% a year -5.8%
  • Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 39.9%
  • Gross margin at 40% or higher and without meaningful erosion 72.9%
  • Goodwill from acquisitions does not grow faster than revenue 0.2%
  • Net debt below twice EBITDA 293 m net cash
  • Operating cash flow covers the profits of the last three years 266 m
  • Return on capital at 15% or higher, or up versus two years ago 2.2%
  • Insiders hold at least 10% or are net buyers 1.8%

A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail

Quality check

AAQS

7/10

The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).

  • Sales growth 10Y > 5% 7.8%
  • Exp. sales growth 3Y > 5% -4.9%
  • EBIT growth 10Y > 5% 13.8%
  • Exp. EBIT growth 3Y > 5% 9.0%
  • Net debt < 4x EBIT -0.7x
  • EBIT positive, 10Y straight 10
  • Max. EBIT decline < 50% 52.4%
  • Return on equity > 15% 17.9%
  • ROCE > 15% 2.2%
  • Expected return > 10% 20.2%

View stocks with the full AAQS score · Read the methodology at AlleAktien

Source: fundamental data

Insiders

Insider Transactions

Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.

Insider Transactions
Date Person Role Type Shares Price Value
Sep 2, 2026 Herencia Roberto R Director Sell 26,350 28.48 750,474
Aug 26, 2026 Rivera Nayda EVP, CCO and Chief of Staff Sell 10,000 28.19 281,852
Aug 17, 2026 Rivera Nayda EVP, CCO and Chief of Staff Sell 10,000 29.59 295,920

View all insider transactions →

The company

About the Company

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.

Employees
3,218
Headquarters
San Juan, PR
Address
1519 Ponce de Leon Avenue, 00908 San Juan, United States
Phone
787 729 8200
IPO Date
02/25/1992
ISIN
US3186721029
Stock Split
1:15 on 01/07/2011
Stock Split
2:1 on 07/01/2005
Stock Split
3:2 on 10/01/2002

Management

Management
Name Title Birth Year
Aurelio Aleman-Bermudez President, CEO & Director 1959
Juan Carlos Pavia Executive VP & COO 1980
Nayda Rivera-Batista CPA Executive VP, Corporate Chief of Staff & Chief Consumer Officer 1973
Orlando Berges-González CPA Advisor 1958
Lilian Diaz-Bento Executive VP & Business Group Director 1967
Said Ortiz CPA Executive VP & CFO –
Ramon Rodriguez C.F.A. Senior Vice President of Corporate Strategy / Investor Relations –
Sara Alvarez-Cabrero Executive VP, General Counsel & Secretary of the Board 1975
Carmen Pagan Senior VP, Compliance Director & Senior VP of Division Director –
Ginoris Lopez-Lay Executive VP & Strategic Management Director 1968

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Filings

Company Filings (8-K)

An 8-K is the filing a US company must use to disclose material events immediately — takeovers, changes at the top, major contracts or payment troubles, for instance. The links open the original document at the US Securities and Exchange Commission (SEC).

  • 07/22/2026 FIRST BANCORP /PR/ (FBP): Completion of Acquisition or Disposition of Assets; Financial Statements and Exhibits SEC ↗

Data as of: September 17, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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