First BanCorp. New

Valuation Analysis

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 C

First BanCorp. New Stock at a Glance

First BanCorp. New (FBP) is currently trading at $25.50 with a market capitalization of $3.9B. The trailing P/E ratio stands at 11.33x, with a forward P/E of 10.65x. The 52-week range spans from $19.16 to $25.56; the current price is 0.2% below the yearly high. Year-over-year revenue growth stands at +8.1%. The net profit margin stands at 38.22%.

💰 Dividend

First BanCorp. New pays an annual dividend of $0.76 per share, representing a yield of 2.98%. The payout ratio stands at 32.89%.

📊 Analyst Rating

6 analysts rate First BanCorp. New (FBP) on consensus: None. The average price target is $26.00, implying +1.96% from the current price. Analyst price targets range from $25.00 to $27.00.

First BanCorp. New: The Investment Case in Detail

First BanCorp. New (FBP) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

Valuation in Context

At a PEG of 4.15, investors are paying more than three times the growth rate for each unit of earnings — that pricing assumes growth not only continues but accelerates from here.

What to Watch Next

• The share is trading at 99.1% of its 52-week range — a break above the recent high opens technical upside, a failure here often invites profit-taking.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to relatively defensive market behavior, elevated short interest (7.32%).

Trading Data

💵 Dividend Info

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