FIRST BANCORP (FBP)
Financials · regional banks · NYSE
First BanCorp is a regional financial holding company serving Puerto Rico and the surrounding islands with a comprehensive suite of commercial and retail banking solutions.
What FIRST BANCORP does
First BanCorp is a financial holding company that operates through its principal subsidiary, FirstBank Puerto Rico. The company provides a range of commercial and retail banking services to customers in Puerto Rico, the U.S. Virgin Islands, the British Virgin Islands, and the continental United States. Its primary offerings include personal and commercial loans, deposit accounts, and various treasury and investment services.
Themes: regional banking, Puerto Rico economic activity, interest rate sensitivity
Fundamentals
- Price$26.67 as of 2026-10-08 close
- Market cap$4.1B as of 2026-08-03 (share count; price 2026-10-08)
- 1-year return+23.6% 2025-10-08 close $21.57 → 2026-10-08 close $26.67
- P/E11.24 as of 2026-10-08
- Net margin+27.5% FY2025, SEC XBRL
- ROE+17.5% FY2025, SEC XBRL
- Debt / equity0.15 as of 2026-09-03
- Revenue growth (YoY)+19.8% as of 2026-09-03
- Revenue CAGR (3y)+8.4% SEC XBRL
- Beta0.84 as of 2026-09-03
- Last reported earnings2026-04-22 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +2.9%; 8-year non-decreasing per-share dividend streak (SEC XBRL).
How FBP compares in its sector
- price-to-earnings ratiomiddle range 513 covered Financials peers, as of 2026-10-08
- net profit marginmiddle range 344 covered Financials peers, as of 2026-09-03
- return on equitytop 25% 559 covered Financials peers, as of 2026-09-03
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- indicated dividend yieldmiddle range 468 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)top 25% 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
FBP is not currently in any published Top 10 list. Its scores are below.
Top 10 score
70.2 #35 of 1,379 scored · #13 of 220 in Financials
Financial health 86th (free cash flow margin 34.9%, debt to equity 0.1) and capital return 76th (net share count bought back over the year 2.7, consecutive years of dividend increases 8 years); weakest is trend (63rd, a strong downtrend, with sellers in control).
Left this list on 1 Sep 2026
- Left 1 Sep 2026: score 71.6, rank 21 (not compared with 18 Aug 2026 — those rows were scored under method version 1, this pass under 3, and the formula changed between them, so a score is only comparable within one version) (a member leaves above rank 15).
- Entered 18 Aug 2026: first selection for this list at rank 8, score 74.7.
Never in this list — passed over at the rebalances below
- Not selected 18 Aug 2026 despite rank 9: Financials already holds 4 of 10 (sector cap).
Scores as of 8 Oct 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 4.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, FBP's dividend was covered by reported results (earnings payout 34%, free-cash-flow payout 26%). This describes past coverage, not a forecast.
- Earnings payout34% dividends / net income
- Free-cash-flow payout26% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How FIRST BANCORP looks technically
FIRST BANCORP (FBP) is trading 9.0% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 174 trading days ago — a "golden cross", a bullish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 30, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 41, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 1 trading day ago (its momentum flipped positive). It made a new 20-day low about 7 trading days ago.
Trend
8
| Distance from the 200-day | it is trading 9.0% above its 200-day average, the long-term trend line — a longer-term uptrend | +9.0% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $27.99 | $27.99 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $24.46 | $24.46 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Wave structure | its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 5 of five; the labelling fails if price closes below 25.86. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible upward five-wave sequence, in wave 5 (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 174 trading days ago — a "golden cross", a bullish long-term signal | 174 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 30, with sellers in control | 29.6 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 41, neither overbought (above 70) nor oversold (below 30) | 41.4 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($25.86 to $27.78) — its "stochastic" reading is 42 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 42.2 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 1 trading day ago (its momentum flipped positive) | 1 session |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $29.88 | $29.88 |
|---|---|---|
| From the 52-week high | it is 10.7% below its 52-week high (its highest price of the past year) | -10.7% |
| Above the 52-week low | it is 39.2% above its 52-week low (its lowest price of the past year) | +39.2% |
| Below the 52-week high | it is 10.7% below its highest point of the past year | 10.7% |
| Since a 20-day breakout | it made a new 20-day low about 7 trading days ago | 7 sessions |
| Since a 55-day breakout | it made a new 55-day low about 7 trading days ago | 7 sessions |
| All-time high | its highest closing price on record is $415.07 (set on 2005-07-20) | $415.07 |
| Given back of the 52-week move | over the past year its closes ranged ($19.25 to $29.70), and it has given back roughly a quarter of its rise from last year’s low — 29% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $22.91 to $23.24. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 29.0% |
| From the all-time high | it is 93.6% below its all-time high | -93.6% |
| Nearest price level | it is trading 3.3% above a support level at $25.79 — a price it turned at twice since 2026-07-08, most recently on 2026-10-01. Since 2024-10-08 it has 12 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -3.3% |
| All-time low | its lowest closing price on record is $2.06 (set on 2016-01-25) | $2.06 |
| Above the all-time low | it is 1194.7% above its all-time low | +1,195% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 35th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.523 between its high and its low — about 2.0% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.523 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $26.02 and $28.16 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $26.02 – $27.09 – $28.16 |
| Typical daily range (% of price) | its price moves about 2.0% in a typical session — among the calmest in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.0% |
| Stretch from the 200-day average | it is trading 4.2 daily ranges above its 200-day average price (9.0% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 4.2 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.13× |
|---|
Analyst
2
| Change in the average price target | analysts have cut their average price target by 0.5% since the prior reading | -0.5% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
3
| Since a doji | 3 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 3 sessions ago |
|---|---|---|
| Since a bullish engulfing | today it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | today |
| Since a bearish engulfing | 8 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 8 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-10-08 0.4% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.4% |
|---|---|---|
| Gap filled | a 2.2% gap up opened on 2026-07-22 has been "filled" 55 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 55 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 6.1 percentage points (the stock lost 5.0% while the market gained 1.0%) | -6.1% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 1.3 percentage points (the stock gained 2.5% while the market gained 3.8%) | -1.3% |
| vs market, 6 months | over the past 6 months this stock beat the market by 3.6 percentage points (the stock gained 21.1% while the market gained 17.5%) | +3.6% |
| vs market, 12 months | over the past 12 months this stock beat the market by 8.7 percentage points (the stock gained 23.6% while the market gained 15.0%) | +8.7% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, MACD momentum is positive, outperforming the market over 6 months — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: a strong downtrend, with sellers in control, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 2.9% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 3.6% of the share price. | -2.9% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 7% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $24.81 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP. | +7.5% |
|---|---|---|
| Vs the average paid since it last reported | the price is 4% below the average price paid since it last reported on 2026-08-07 (its 10-Q), so the typical buyer over that stretch is under water. That average is $27.74 — a volume-weighted average of daily closes over 44 sessions, not a true tick-by-tick VWAP. | -3.9% |
Price levels it has turned at before
FBP last closed at $26.67 on 2026-10-08. Since 2024-10-08 it has turned at 12 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $25.79 | Support | 3.3% below the last close | turned there twice · 2026-07-08 to 2026-10-01 |
| $28.70 | Resistance | 7.6% above the last close | turned there twice · 2026-08-07 to 2026-09-03 |
| $24.57 | Support | 7.9% below the last close | turned there three times · 2026-04-28 to 2026-05-27 |
| $23.49 | Support | 11.9% below the last close | turned there twice · 2026-02-06 to 2026-06-01 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 5 of five.
This labelling fails — stops being a possible reading at all — if it closes below $25.86.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $28.91 and $33.84 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
This reading has stood for 1 trading day, since 2026-10-08.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · MACD just crossed bullish (12/26/9) · Printed a bullish engulfing pair · Least volatile (2% or less typical daily range) · Under water since its last earnings report (below the anchored VWAP) · Trading below the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · macd · breakout
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (1.57 mean, 1=Strong Buy…5=Strong Sell) — 7 analysts
- Mean price target$31.43 range $30.00 – $33.00; median $31.00
Analyst estimates, as of 2026-10-08. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for FBP
- Consensus EPS estimate$0.5897 next reporting period, as of 2026-10-08
- Estimate change, 30 days-$0.00072 (-0.1%) from $0.5905, on 2026-09-03, 35-day window
- Readings revised upward11% of 9 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Sensitivity to interest rate environment and inflation levels impacting net interest margin and asset/liability performance.","Exposure to economic and political instability in Puerto Rico and the USVI/BVI.","Risks associated with cybersecurity incidents and reliance on third-party service providers."]
What changed in the latest 10-Q
AI-assisted comparison of FBP's 10-Q filed 2026-08-07 against the prior one filed 2026-05-08.
Risk Factors
- Added:
- Newer filing (2026-08-07) added Exhibits 10.1, 10.2, and 10.3: Exhibit 10.1 First BanCorp 2026 Omnibus Incentive Plan (incorporated by reference from Exhibit 10.1 of Form 8-K filed May 12, 2026); Exhibit 10.2 Form of Restricted Stock Award Agreement; Exhibit 10.3 Professional Services Agreement dated June 30, 2026 between Orlando Berges and FirstBank Puerto Rico (incorporated by reference from Exhibit 10.1 of Form 8-K/A filed July 1, 2026).
- Newer filing (2026-08-07) reflects the quarter ended June 30, 2026 (replacing the quarter ended March 31, 2026), which appears in the Item 2 heading, the stock repurchase table periods, and footnote references.
- Reworded:
- Newer filing (2026-08-07) changed Item 2 repurchase table data to April, May, and June 2026 rows (0 shares purchased at $0 in April; 109,308 shares at $23.98 in May; 1,896,270 shares at $25.15 in June; total 2,005,578 shares), replacing the older table's January, February, and March 2026 rows (53,933 shares at $20.52; 138,097 shares at $21.21; 2,442,261 shares at $20.72; total 2,634,291 shares).
- Newer filing (2026-08-07) changed 'Approximate Dollar Value of Shares that May Yet be Purchased Under the Plans or Programs' values to $138,300, $135,680, and $88,300 for April, May, and June 2026, replacing the older values of $187,200, $184,271, and $138,300 for January, February, and March 2026.
- Newer filing (2026-08-07) changed footnote (1) reference date from 'As of March 31, 2026' to 'As of June 30, 2026'.
- Newer filing (2026-08-07) changed footnote (2) shares acquired to cover minimum tax withholding obligations from 225,099 shares to 11,873 shares.
- Newer filing (2026-08-07) changed the narrative from 'During the first quarter of 2026, the Corporation repurchased approximately $50.0 million in common stock' to 'During the second quarter of 2026, the Corporation repurchased approximately $50.0 million in common stock'.
- Newer filing (2026-08-07) changed Item 5 period reference from 'the quarter ended March 31, 2026' to 'the quarter ended June 30, 2026'.
- Newer filing (2026-08-07) changed the Exhibit 104 cover page description from 'March 31, 2026' to 'June 30, 2026'.
- Newer filing (2026-08-07) changed the signature date and signatory: from 'Date: May 8, 2026' and 'By: /s/ Orlando Berges, Orlando Berges, Executive Vice President and Chief Financial Officer' to 'Date: August 7, 2026' and 'By: /s/ Said Ortiz, Said Ortiz, Executive Vice President and Chief Financial Officer'.
- Notes:
- The 'Risk Factors' section proper in both filings is identical, and both reference the 2025 Annual Report on Form 10-K with no material changes disclosed.
- The other changes described (Items 2, 5, 6 and signature page) are located in sections outside the 'Risk Factors' heading in the provided text; they are included because they appear in the supplied source excerpts.
- The source text includes line-break artifacts; no changes were inferred beyond the text as provided.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 3 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 90 days · read to 2026-10-040 buys · 3 sells ($1M) — 2 selling insiders
- Last 180 days · read to 2026-10-040 buys · 4 sells ($2M) — 3 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-09-02. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about FBP's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding FBP as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 38,879,132
- Reported value $1,013,578,965
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 3 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about FBP's institutional holders → See what each manager we track holds →
Short interest (FINRA)
FBP had 7,321,616 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
FBP had 4.80% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 6.09 days to cover at the same settlement.
- Reported short interest (shares) 7,321,616
- Short interest (% of shares outstanding) 4.80%
- Prior settlement (shares) 6,610,591
- Reported change 10.76%
- Days to cover (reported) 6.09
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare FBP vs…
FIRST BANCORP is found in…
Frequently asked questions
What does FIRST BANCORP (FBP) do?
First BanCorp is a financial holding company that operates through its principal subsidiary, FirstBank Puerto Rico. The company provides a range of commercial and retail banking services to customers in Puerto Rico, the U.S. Virgin Islands, the British Virgin Islands, and the continental United States. Its primary offerings include personal and commercial loans, deposit accounts, and various treasury and investment services.
What sector is FIRST BANCORP (FBP) in?
FIRST BANCORP (FBP) is classified in the Financials sector. Its industry is regional banks. It trades on NYSE.
Does FBP pay a dividend?
Yes — FIRST BANCORP (FBP) pays a dividend, with an indicated yield of about 2.90% and 8-year non-decreasing per-share dividend streak (SEC EDGAR XBRL) (market data, as of 2026-09-03). Informational only — not financial advice.
Who are FIRST BANCORP's (FBP) competitors?
Notable peers of FIRST BANCORP (FBP) include Popular, Inc. and OFG Bancorp. This peer set is informational only — not financial advice.
Is FIRST BANCORP (FBP) overbought or oversold right now?
FIRST BANCORP (FBP) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 41, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on FBP come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.