FBP
First BanCorp.
NYSE: FBP · FINANCIAL SERVICES · BANKS - REGIONAL
$28.91
-1.30% today
Updated 2026-07-29
Market cap
$4.24B
P/E ratio
12.19
P/S ratio
4.55x
EPS (TTM)
$2.25
Dividend yield
2.70%
52W range
$19 – $28
Volume
1.6M
WallStSmart proprietary scores
66
out of 100
Grade: B
Buy
Investment rating
6.7
Growth
B6.3
Quality
B8.0
Profitability
A5.0
Valuation
C+7/9
Piotroski F-Score
Strong
0.4
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →206 stocks currently score above 75
Price targets
Analyst target
$28.86
-0.17%
12-Month target
$21.07
-27.12%
Intrinsic (DCF)
—
Margin of safety
—
Price chart
Stock snapshot
Strengths
+ Piotroski 7/9 — strong financial health
+ Profit margin 38.20% — above average
+ Free cash flow $109.67M — positive
+ Debt/equity 0.10x — low leverage
Risks
- Altman Z 0.41 — distress zone
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $953.89M | $1.12B | $1.19B | $1.26B | $932.90M |
| Net income | $305.07M | $302.86M | $298.72M | $344.87M | $96.15M |
| EPS | — | — | — | — | $2.25 |
| Free cash flow | $420.03M | $340.36M | $394.14M | $434.03M | $109.67M |
| Profit margin | 31.98% | 26.96% | 25.04% | 27.45% | 38.20% |
Peer comparison
Smart narrative
First BanCorp. trades at $28.91. representing a P/E of 12.19x trailing earnings. Our Smart Value Score of 66/100 indicates the stock is good. The company scores 7/9 on the Piotroski F-Score. With an Altman Z-Score of 0.41, it sits in the distress. TTM revenue stands at $932.90M. with profit margins at 38.20%.
Frequently asked questions
What is First BanCorp.'s stock price?
First BanCorp. (FBP) trades at $28.91, on a P/E of 12.2x and a P/S of 4.5x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is First BanCorp. overvalued?
First BanCorp. carries a Smart Value Score of 66/100 (Grade B), which we rate Buy. That score blends growth, quality, and valuation into one read.
What is the price target of First BanCorp. (FBP)?
The 12-month analyst consensus target is $28.86, about 0.2% below the current $28.91. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is First BanCorp.'s revenue?
First BanCorp.'s trailing twelve-month revenue is $932.90M. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
First BanCorp.'s Altman Z-Score is 0.41, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNYSE
CurrencyUSD
Quick metrics
P/S ratio4.55x
ROE19.00%
Beta0.81
50D MA$25.10
200D MA$22.33
Shares out0.15B
Float0.15B
Short ratio—
Avg volume1.6M
Performance
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