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First BanCorp. (FBP) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

First BanCorp.

FBPMarket cap $4.07BPrice $26.8

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs one of Puerto Rico's largest banks, offering commercial and retail banking across the island, the Virgin Islands, and Florida. It's a rare pure-play bet on Puerto Rico's economic recovery, thriving where mainland banks fear to tread.

In Bastion Portfolios?

52W Return+33%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+1%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+8%–

Rev CAGR (5y)+5%4

Earnings Forecast

EPS Growth Y+1+12%7

EPS Growth Y+2+3%4

EPS Growth Y+3-0%3

Quality

Margins

EBIT Margin0%8

Net Income Margin39%10

Free Cash Flow Margin46%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE19%8

ROA2%4

Earnings Stability1010

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)118

P/E Ratio (Forward 3y)117

P/BV2.17

EV Multiples

EV/EBITDA Fwd08

EV/EBIT Fwd08

Yield

Free Cash Flow Yield0.0%9

Dividend Yield3.0%7

Momentum

Short term

1 month return-6%4

3 month return+3%7

YTD return+33%9

Mid term

Price vs 52wHigh90%8

1 year return+28%8

Long term

3 year return+115%8

5 year return+134%8

Risk Shield

Price Risk

Beta0.95

Volatility25%8

Free Cash Flow

Free Cash Flow Margin46%10

Free Cash Flow Yield0.0%9

Quality

ROCE21%4

Earnings Stability1010

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

FBPFirst BanCorp.

Revenue FY25$915M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+1%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+8%–

Revenue, next 5Y, CAGR+5%4

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+12%7

EPS growth, FY27E+3%4

EPS growth, FY28E-0%3

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 0.9%/yr over the last 3 years and is set to grow 8%/yr from here.

WATCH

Revenue is set to grow 8%/yr over the next 3 years, a little behind the market.4/10

Over five years revenue is set to grow 5%/yr, behind 60% of companies worldwide.4/10

Earnings are set to grow slower than sales (EPS about 3%/yr vs revenue 8%/yr), so margins are under pressure.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG76 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%4

3-month return+3%7

YTD return+33%9

MID & LONG-TERM▾SCORE

% of 52-week high90%8

1-year return+28%8

3-year return+115%8

5-year return+134%8

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +115% over three years and +134% over five, ahead of 70% of the market.

It's up 28% over the past year, but 10% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over three months (+3%) and so far this year (+33%).

WATCH

Returns sit at the market level over the past month (-6%).

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on First BanCorp.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

FBPFirst BanCorp.

Revenue FY25$915M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+1%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+8%–

Revenue, next 5Y, CAGR+5%4

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+12%7

EPS growth, FY27E+3%4

EPS growth, FY28E-0%3

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 0.9%/yr over the last 3 years and is set to grow 8%/yr from here.

WATCH

Revenue is set to grow 8%/yr over the next 3 years, a little behind the market.4/10

Over five years revenue is set to grow 5%/yr, behind 60% of companies worldwide.4/10

Earnings are set to grow slower than sales (EPS about 3%/yr vs revenue 8%/yr), so margins are under pressure.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG76 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%4

3-month return+3%7

YTD return+33%9

MID & LONG-TERM▾SCORE

% of 52-week high90%8

1-year return+28%8

3-year return+115%8

5-year return+134%8

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +115% over three years and +134% over five, ahead of 70% of the market.

It's up 28% over the past year, but 10% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over three months (+3%) and so far this year (+33%).

WATCH

Returns sit at the market level over the past month (-6%).

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on First BanCorp.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community