Stocktoria
FIRST BANCORP /PR/ FBP
FIRST BANCORP /PR/ (FBP) earns a Piotroski F-score of 7/9 (strong financial health). It pays a dividend yielding 2.83% (safety: safe). FY2025 revenue was $1.3B at a 27.5% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-07-01 | Raymond James | Strong Buy (main) |
| 2026-04-27 | Raymond James | Strong Buy (up) |
| 2026-04-23 | Truist Securities | Buy (main) |
| 2026-04-23 | Piper Sandler | Neutral (main) |
| 2026-04-23 | Keefe, Bruyette & Woods | Market Perform (main) |
| 2026-04-23 | Wells Fargo | Overweight (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 7/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| FBP | FIRST BANCORP /PR/ | 7/9 | — | 11.8 | +2.4% |
| GBFH | GBank Financial Holdings Inc. | 2/9 | — | 21.2 | — |
| UCB | UNITED COMMUNITY BANKS INC | 6/9 | — | 13 | +11.7% |
| FHB | FIRST HAWAIIAN, INC. | 6/9 | — | 13 | +8.9% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
| BUSE | FIRST BUSEY CORP /NV/ | 4/9 | — | 18.6 | +55.7% |
| GABC | GERMAN AMERICAN BANCORP, INC. | 6/9 | — | 15.9 | +37.8% |
All Finance, Insurance & Real Estate companies →
About FIRST BANCORP /PR/
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.
FAQ
Is FBP financially healthy?
FIRST BANCORP /PR/'s Piotroski F-score is 7/9 (8–9 is excellent, 0–3 weak).
Does FBP pay a dividend, and is it safe?
Yes. FIRST BANCORP /PR/ pays a dividend yielding about 2.83% with a 33.5% payout ratio, rated “safe” for safety.
How profitable is FBP?
In FY2025, FIRST BANCORP /PR/ had a net margin of 27.5% and a return on equity of 17.5%.
Is FBP overvalued or undervalued?
FIRST BANCORP /PR/ trades at about 13.6× trailing earnings — above its 10-year norm (10-year range 8.5×–20.0×, median 11.6×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for FBP?
The average Wall-Street price target for FIRST BANCORP /PR/ is $26.83, about 8.1% below the recent price, from 6 analysts (consensus: buy).
Is FBP a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on FIRST BANCORP /PR/: a Piotroski F-score of 7/9, a P/E of about 11.8×, a dividend yield of 2.83%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.