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First BanCorp. (FBP)

Financial Services | Banks - Regional | San Juan, United States | NYSE
27.37 USD +0.18 (0.662%) ⇧ (Oct. 16, 2026, 4 p.m. EDT)
After hours: 27.31 -0.06 (-0.060%) ⇩ (Oct. 16, 2026, 5:05 p.m. EDT)
Short-term:★★★⯪☆Long-term:★★★★☆Dividends:★★★⯪☆
Hot Take ↕ | Oct. 10, 2026, 6:54 a.m. EDT

First BanCorp presents a compelling case for a medium-to-long-term hold driven by robust fundamentals, despite recent technical weakness. The business is generating exceptional returns on equity (nearly 20%) and showing healthy double-digit earnings growth, supported by a fortress balance sheet where debt is minimal relative to cash. While the stock has lagged its 200-day average recently, creating a temporary headwind for momentum traders, the valuation remains attractive at roughly 11x trailing earnings, significantly below its historical norms and peer averages. The analyst consensus is firmly bullish, with a target price implying nearly 20% upside. For the short term, the stock faces some resistance near the $30 level based on options positioning, and the statistical forecast suggests a flat to slightly negative drift over the next month, which warrants caution for day traders. However, for investors with a longer horizon, the combination of sustainable profitability, low valuation, and strong capital generation makes this a solid buy-and-hold candidate.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.030133
AutoARIMA0.032839
AutoETS0.033023
AutoTheta0.038133

Forecast horizon: 45 days | Selected: MSTL

Forecast Reliability
Score 48%
H-stat 6.99
Ljung-Box p 0.000
Jarque-Bera p 0.416
Excess Kurtosis -0.89
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-08-26
Last Dividend Date 2026-08-26
Revenue per Share 6.11
Market Cap 4,178,530,816
Trailing P/E 11.50
Forward P/E 10.61
Beta 0.83
Profit Margins 39.04%
Website https://www.1firstbank.com

As of Oct. 10, 2026, 6:54 a.m. EDT: Speculators are positioning for a range-bound to slightly bullish outcome. Call Open Interest is heavily concentrated at the $30 strike, suggesting a ceiling or profit-taking zone, while significant volume exists at the $35 strike for March 2027, indicating speculative bets on a substantial upside move. Put activity is dominated by deep out-of-the-money strikes ($17.50) for December 2026, acting as a hedge against a sharp drop, but lacks the density to suggest a bearish consensus. The overall structure implies a 'long with a stop' strategy rather than a pure short or aggressive momentum play.

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.72% 2.46% 3.14% 3.30%
Dividend History
Date Dividend Yield %
2026-08-27 0.200000 0.721761
2026-05-28 0.200000 0.832986
2026-02-26 0.200000 0.901307
2025-08-28 0.180000 0.813008
2025-05-29 0.180000 0.896861
2025-02-21 0.180000 0.927835
2024-11-29 0.160000 0.773694
2024-08-29 0.160000 0.755073
2024-05-30 0.160000 0.910125
2024-02-22 0.160000 0.968523
2023-11-22 0.140000 0.932091
2023-08-23 0.140000 1.027146
2023-05-23 0.140000 1.203783
2023-02-23 0.140000 0.976971
2022-11-23 0.120000 0.788436
2022-08-24 0.120000 0.800534
2022-05-24 0.120000 0.870827
2022-02-24 0.100000 0.729927
2021-11-24 0.100000 0.682128
2021-08-25 0.070000 0.548589
2021-05-25 0.070000 0.565885
2021-02-25 0.070000 0.656045
2020-11-25 0.050000 0.598086
2020-08-26 0.050000 0.874126
2020-05-27 0.050000 0.838926
2020-02-27 0.050000 0.614251
2019-11-27 0.050000 0.477099
2019-08-28 0.030000 0.320513
2019-05-29 0.030000 0.294118
2019-02-27 0.030000 0.262927
2018-11-29 0.030000 0.334821
2009-06-11 1.050000 1.386139
2009-03-11 1.050000 1.719902
2008-12-11 1.050000 0.713558
2008-09-11 1.050000 0.751073
2008-06-11 1.050000 0.823529
2008-03-12 1.050000 0.700000
2007-12-12 1.050000 0.973574
2007-09-12 1.050000 0.698603
2007-06-13 1.050000 0.566343
2007-03-13 1.050000 0.593723
2006-12-13 1.050000 0.725389
2006-09-13 1.050000 0.749465
2006-06-13 1.050000 0.766703
2006-03-22 1.050000 0.565885
2005-12-13 1.050000 0.571895
2005-09-13 1.050000 0.396376
2005-06-13 1.050000 0.370370
2005-03-11 1.050000 0.294675
2004-12-13 0.900000 0.193642
2004-09-13 0.900000 0.248447
2004-06-14 0.900000 0.306435
2004-03-11 0.900000 0.297767
2003-12-11 0.825000 0.287958
2003-09-11 0.825000 0.354496
2003-06-11 0.825000 0.364480
2003-03-12 0.825000 0.437376
2002-12-12 0.750000 0.411862
2002-09-11 0.750000 0.372856
2002-06-12 0.750000 0.432277
2002-03-13 0.750000 0.515287
2001-12-12 0.650000 0.472727
2001-09-10 0.650000 0.492798
2001-06-13 0.650000 0.500000
2001-03-13 0.650000 0.559380
2000-12-13 0.550000 0.492997
2000-09-13 0.550000 0.584718
2000-06-13 0.550000 0.602740
2000-03-13 0.550000 0.671756
1999-12-13 0.450000 0.455696
1999-09-13 0.450000 0.431138
1999-06-11 0.450000 0.404494
1999-03-11 0.450000 0.391304
1998-12-11 0.375000 0.272727
1998-09-11 0.375000 0.300752
1998-06-11 0.375000 0.273973
1998-05-13 0.375000 0.278746
1998-03-11 0.375000 0.366972
1997-12-10 0.300000 0.330465
1997-09-10 0.300000 0.387879
1997-06-11 0.300000 0.457143
1997-03-12 0.300000 0.432432
1996-12-11 0.250000 0.379147
1996-09-11 0.250000 0.470588
1996-06-12 0.250000 0.484848
1996-03-13 0.250000 0.451977
1995-12-13 0.200000 0.400000
1992-12-07 1.111111 10.909090
1989-12-11 0.096296 1.238091
1989-09-11 0.096296 1.209299
1988-12-05 0.096296 1.464784
Additional Data
dividendRate 0.8
dividendYield 2.92
exDividendDate 2026-08-27
trailingAnnualDividendRate 0.76
trailingAnnualDividendYield 0.027951451
lastDividendValue 0.2
lastDividendDate 2026-08-27
dividendDate 2026-09-11

Info Dump

Attribute Value
52 Week Change 0.2940898
Address1 1,519 Ponce de Leon Avenue
Address2 Stop 23
All Time High 491.175
All Time Low 2.06
Ask 27.27
Ask Size 1,100
Audit Risk 2
Average Analyst Rating 1.6 - Buy
Average Daily Volume10 Day 1,278,430
Average Daily Volume3 Month 1,394,687
Average Volume 1,394,687
Average Volume10Days 1,278,430
Beta 0.831
Bid 27.37
Bid Size 800
Board Risk 2
Book Value 13.035
City San Juan
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 1
Country United States
Crypto Tradeable 0
Currency USD
Current Price 27.37
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 27.565
Day Low 27.14
Dividend Date 1,789,084,800
Dividend Rate 0.8
Dividend Yield 2.92
Earnings Call Timestamp End 1,792,699,200
Earnings Call Timestamp Start 1,792,699,200
Earnings Growth 0.244
Earnings Quarterly Growth 0.199
Earnings Timestamp 1,792,672,200
Earnings Timestamp End 1,792,672,200
Earnings Timestamp Start 1,792,672,200
Ebitda Margins 0.0
Enterprise To Revenue 3.971
Enterprise Value 3,789,426,176
Eps Current Year 2.4003
Eps Forward 2.58009
Eps Trailing Twelve Months 2.38
Esg Populated 0
Ex Dividend Date 1,787,788,800
Exchange NYQ
Exchange Data Delayed By 20
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 27.7404
Fifty Day Average Change -0.37039948
Fifty Day Average Change Percent -0.013352348
Fifty Two Week Change Percent 29.40898
Fifty Two Week High 29.88
Fifty Two Week High Change -2.5099983
Fifty Two Week High Change Percent -0.08400262
Fifty Two Week Low 19.16
Fifty Two Week Low Change 8.210001
Fifty Two Week Low Change Percent 0.42849693
Fifty Two Week Range 19.16 - 29.88
Financial Currency USD
First Trade Date Milliseconds 537,546,600,000
Five Year Avg Dividend Yield 3.1
Float Shares 147,815,000
Forward Eps 2.58009
Forward P E 10.608157
Full Exchange Name NYSE
Full Time Employees 3,218
Fullday Change 0.11999893
Fullday Change Percent 0.44133478
Fullday Price 27.37
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 954,211,968
Has Pre Post Market Data 1
Held Percent Insiders 0.018029999
Held Percent Institutions 0.98323995
Implied Shares Outstanding 152,668,268
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,787,788,800
Last Dividend Value 0.2
Last Fiscal Year End 1,767,139,200
Last Split Date 1,294,358,400
Last Split Factor 1:15
Long Business Summary 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.
Long Name First BanCorp.
Market us_market
Market Cap 4,178,530,816
Market State CLOSED
Max Age 86,400
Message Board Id finmb_271927
Most Recent Quarter 1,782,777,600
Net Income To Common 372,559,008
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 4,074,716,072
Number Of Analyst Opinions 7
Open 27.22
Operating Cashflow 458,193,984
Operating Margins 0.49097002
Overall Risk 2
Payout Ratio 0.3193
Peg Ratio 4.15
Phone 787 729 8200
Post Market Change -0.060001373
Post Market Change Percent -0.21922313
Post Market Price 27.31
Post Market Time 1,792,184,700
Previous Close 27.19
Price Eps Current Year 11.402741
Price Hint 2
Price To Book 2.0997317
Price To Sales Trailing12 Months 4.3790383
Profit Margins 0.39044
Quote Source Name Delayed Quote
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 1.57143
Region US
Regular Market Change 0.18
Regular Market Change Percent 0.662009
Regular Market Day High 27.565
Regular Market Day Low 27.14
Regular Market Day Range 27.14 - 27.565
Regular Market Open 27.22
Regular Market Previous Close 27.19
Regular Market Price 27.37
Regular Market Time 1,792,180,802
Regular Market Volume 1,164,607
Return On Assets 0.01954
Return On Equity 0.19494
Revenue Growth 0.094
Revenue Per Share 6.11
Sand P52 Week Change 0.13723719
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 4
Shares Outstanding 152,668,268
Shares Percent Shares Out 0.047399998
Shares Short 7,238,091
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 6,610,591
Short Name First BanCorp. New
Short Percent Of Float 0.0705
Short Ratio 5.11
Source Interval 15
State PR
Symbol FBP
Target High Price 33.0
Target Low Price 30.0
Target Mean Price 31.42857
Target Median Price 31.0
Total Cash 561,326,016
Total Cash Per Share 3.701
Total Debt 200,000,000
Total Revenue 954,211,968
Tradeable 0
Trailing Annual Dividend Rate 0.76
Trailing Annual Dividend Yield 0.027951451
Trailing Eps 2.38
Trailing P E 11.5
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 24.68045
Two Hundred Day Average Change 2.6895504
Two Hundred Day Average Change Percent 0.10897493
Type Disp Equity
Volume 1,164,607
Website https://www.1firstbank.com
Zip 908