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Data-driven stock valuation

First BanCorp. (FBP) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of First BanCorp. stock $17.94, price $26.00, that is 31.0% below the price, quality 64 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

FB First BanCorp. logo Broad data Nov 7, 2026

First BanCorp.

FBP · US
Solid, but expensive

Our calculation puts a fair price 31% below what the stock costs today.

Quality 64/100
Healthy Growth (revenue 5y +10.3 %/yr in USD)
Highly profitable · 38.0% net margin (TTM)
3.0% dividend yield · Low payout
Ranks above peers (10/15)
Positive coverage
Broad data
Wide moat 73/100 · thin data
Insiders sold $1.5M (6M)
Fair value $17.94 · Overvalued
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$29.49 $9.45 Fair Value $17.94 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range $9.45 – $29.49 · fair‑value band $14.32 – $26.45 · the $26.00 price screens above the $17.94 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

First BanCorp. operates as the bank holding company for FirstBank Puerto Rico that provides financial products and services to consumers and commercial customers.

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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.

Stock analysis

First BanCorp. (FBP) currently trades at $26.00, while our model-based Fair Value estimate is $17.94, 31% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $22.74 per share, and 1 of the 6 models we run sit above the $26.00 price.

Bear case: the Asset-Based group reads lowest at $8.54, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $14.32 (bear) to $26.45 (bull), the price of $26.00 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 64/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

First BanCorp. reported revenue of $1.3B in FY2025 versus $882M in FY2021, a compound +9.3%/yr. Reported net income was $345M in FY2025, compounding +5.3%/yr from FY2021.

Key figures

Market cap $4.0B Mid · P/E ratio 11.0 · P/S ratio 4.14 · EPS (TTM) $2.36 · Dividend yield 3.0% · Net margin 38.0% · Return on equity 19.4% · Return on assets (EBIT) 2.2% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 73 out of 100 (low confidence).

What moves the price

The share trades about 12% below its 52-week high and 38% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −31%, FBP screens richer than that median.

Fair Value models

Bear $14.32 Fair Value $17.94 Bull $26.45
Price $26.00 · Downside -31.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.35 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $14.32 $17.94 $26.45 75
Gordon GGM $6.83 $13.81 $21.25 66
DDM Multi-Stage $6.83 $10.69 $14.55 66
All 6 models by family
Dividend Discount
Gordon GGM $6.83 $13.81 $21.25 66
DDM Multi-Stage $6.83 $10.69 $14.55 66
Multiples
P/E Multiple $22.28 $29.71 $37.13 63
P/B Multiple $11.82 $15.76 $19.70 55
Asset-Based
NCAV (Graham) $6.38 $8.54 $12.75 54
Economic Profit
Residual Income $14.32 $17.94 $26.45 75

Open the full fair value analysis →

Quality Score breakdown

Overall quality 64/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 41
How much profit the company makes from its sales and capital
Quality Growth 49
Are margins and returns getting better?
Cashflow 88
Do the profits arrive as real cash?
Financial strength 11
Debt, balance sheet and risk of trouble
Investment 75
Does it invest with discipline instead of growing at any price?
Low Volatility 79
How calm the share price moves, does not count
Price momentum 54
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 69
Distance to the 52-week high, does not count
New shares 100
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 3 officers or directors sold shares worth $1.5M and none bought.

  • SaleRoberto R HerenciaDirector2× since Feb 11, 2026: 31,073 shares, avg. $27.59$857,329Sep 2, 2026
  • SaleNayda RiveraEVP, CCO and Chief of Staff2× since Aug 17, 2026: 20,000 shares, avg. $28.89$577,800Aug 26, 2026
  • SaleLilian Diaz-BentoEVP8,000 shares at $24.33$194,640Jun 5, 2026
  • SaleMichael McDonaldEVP34,122 shares at $22.11$754,437Jan 28, 2026

Plus 8 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 92/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+5.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.3%
Start year 2020 (pandemic). Over 10 years: +7.5% a year
Revenue growth 35 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.4%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+24.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+21.4%
Dividend (yield on the price)3.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.22.7% vs 17.4%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.15% → 33%
Pace: the 5-year rate starts in 2020 (pandemic)

FBP screens overvalued: fair value 31% below the price. Compare with China Merchants Bank Co →

Earlier news

News mood ⓘNews mood, the average tone of recent news (90 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Positive
Recent news coverage is more positive than average.
Note from the team Oct 11, 2026
AI conclusion: Resilient earnings from elevated net interest margins and a shift to higher-yielding assets represent the main strength, while limited evidence of durable advantages and sparse operational disclosures form the key weakness.
Main risk: Slower regional loan demand poses the biggest risk to the company's income, potentially offsetting gains from the ongoing balance-sheet shift to higher-yielding assets.
First BanCorp has delivered resilient earnings through elevated net interest margins and steady capital returns to owners. Management is shifting maturing low-yield securities into assets with yields roughly 280 basis points higher to support income even as loan growth softens. Will the gains from this balance-sheet shift outweigh risks from slower regional loan demand?
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 10/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 64 · Top 25%
Fair Value upside −31.0% · Below median
Profitability
Return on equity (12 months) 19.4% · Top 25%
Return on assets 1.8% · Top 25%
Net margin (12 months) 38.0% · Above median
Operating margin (12 months) 47.5% · Above median
Growth and dividend
Revenue growth (quarter YoY) 6.2% · Below median
Dividend yield (12 months) 3.0% · Above median
Balance sheet
Debt / equity 0.10× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 11.0× · Cheaper than median
P/B 2.04× · Priciest 25%
P/S (12 months) 4.14× · Pricier than median
Price / free cash flow (fiscal year) 9.2× · Cheaper than median
EV/EBITDA 8.5× · Cheaper than median
PEG 4.15× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)31 · sector 47
PAST (return on equity)78 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)60 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs FBP
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs FBP
BNP Paribas SA BNP €91.93 €106.01 +15% vs FBP
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs FBP
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs FBP
UniCredit S.p.A UCG €76.80 €50.44 −34% vs FBP
Mizuho Financial Group MFG $9.40 $5.89 −37% vs FBP
DBS Group D05 69.72 SGD 40.39 SGD −42% vs FBP
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs FBP
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs FBP

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First BanCorp.: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "First BanCorp. Fair Value". https://www.fairvalue-calculator.com/stock/FBP

Frequently asked questions

Is First BanCorp. (FBP) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $17.94 versus a price of $26.00, about 31% lower (overvalued).
What is the fair value of FBP?
Our model-based fair value for First BanCorp. is $17.94 (as of Nov 7, 2026), built from audited fundamentals. The current price: $26.00.
What is the quality score of FBP?
First BanCorp. has a Quality Score of 64/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for First BanCorp. (FBP)?
Our model-based price target is the fair value of $17.94 (as of Nov 7, 2026) from 6 valuation models. Cautious scenario $14.32, optimistic scenario $26.45. It is a calculation from audited fundamentals, not an analyst target.
What is the First BanCorp. stock forecast for 2026?
Our models put fair value at $17.94, about 31% lower versus a price of $26.00 (overvalued). Cautious scenario $14.32, optimistic scenario $26.45. The calculation is refreshed regularly with new filings.
What is the revenue of First BanCorp. (FBP)?
First BanCorp. reported trailing-twelve-month revenue of about $969M (latest available figure, as of Nov 7, 2026).
Does First BanCorp. pay a dividend?
First BanCorp. currently shows a dividend yield of 3.00% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of First BanCorp. (FBP) and when is the ex-dividend date?
First BanCorp. pays a dividend of $0.78 per share a year, a dividend yield of 3.0%. The next ex-dividend date is Nov 27, 2026, with payment on Dec 11, 2026. A dividend has been paid every year since 2018. The payout ratio is 33.1% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of First BanCorp. (FBP)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For First BanCorp. it is $17.94 per share (as of Nov 7, 2026), against a price of $26.00. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is First BanCorp. stock overvalued or undervalued in 2026?
As of Nov 7, 2026, FBP trades above its calculated fair value: price $26.00, fair value $17.94, a gap of about −31% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FBP?
No. The price is what the market pays today ($26.00); the fair value is what the company's own numbers justify ($17.94). For First BanCorp. the two are $8.06 per share apart. That gap is exactly why we show both numbers side by side.
How much is First BanCorp. worth?
The market values First BanCorp. at about $4.0B (market capitalisation, as of Nov 7, 2026). Per share that is $26.00; our models calculate a fair value of $17.94 per share.
What do the bullish and bearish scenarios say about FBP?
Our models span a range for First BanCorp.: cautious scenario $14.32, base $17.94, optimistic $26.45 per share (as of Nov 7, 2026, price $26.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FBP?
First BanCorp. trades at a price-to-earnings ratio of 11.0 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $17.94 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, 5 of the years ex one-offs: 10.3. Other multiples: PEG 4.1, P/B 2.0, P/S 4.1, EV/EBITDA 8.5.
What is the PEG ratio of FBP?
The PEG ratio of First BanCorp. is 4.15 (P/E divided by earnings growth, as of Nov 7, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of First BanCorp. (FBP)?
Balance-sheet figures for First BanCorp. (as of Nov 7, 2026): return on equity 19.4%, debt of 0.10 per unit of equity. They feed the Quality Score of 64/100, which measures business quality independently of the share price.
How far is FBP from its 52-week high?
First BanCorp. trades at $26.00, about 12% below its 52-week high of $29.49 and 38% above the low of $18.82 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $17.94 is for.
Which stocks are comparable to First BanCorp.?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is First BanCorp. stock attractive at the current price?
The data as of Nov 7, 2026: price $26.00, calculated fair value $17.94 (−31%), Quality Score 64/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FBP calculated?
We run First BanCorp. through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $17.94 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. First BanCorp. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of First BanCorp. (FBP)?
The closing price on Nov 6, 2026 was $26.00. Our model-based fair value is $17.94, about 31% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with First BanCorp. right now?
Solid but not exceptional quality (64/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($14.32 to $26.45) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of First BanCorp.

How large is the market capitalisation of First BanCorp. (FBP)?
The market capitalisation of First BanCorp. is $4.0B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of First BanCorp. (FBP)?
The price-to-sales ratio of First BanCorp. is 4.14 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of First BanCorp. (FBP)?
Earnings per share at First BanCorp. are $2.36 (price ÷ EPS = P/E 11.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of First BanCorp. (FBP)?
The dividend yield of First BanCorp. is 3.0% (payout 33.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of First BanCorp. (FBP)?
The net margin of First BanCorp. is 38.0% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of First BanCorp. (FBP)?
The return on equity (ROE) of First BanCorp. is 19.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of First BanCorp. (FBP)?
On an EBIT basis the return on assets of First BanCorp. is 2.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of First BanCorp. (FBP)?
The operating margin of First BanCorp. is 47.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at First BanCorp. (FBP)?
Revenue at First BanCorp. is growing +6.2% versus a year earlier (3y avg +9.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does First BanCorp. (FBP) generate?
The free cash flow of First BanCorp. is $434M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does First BanCorp. (FBP) hold?
First BanCorp. holds more cash than debt, $293M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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