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Company Analysis

First BanCorp. New FBP

A comprehensive view of key metrics, scores, and financial health for First BanCorp. New

Overview of First BanCorp.

FBP NYQ
Financial Services Banks - Regional Mid Cap
First BanCorp. (FBP), is a Mid Cap company, in the Banks - Regional industry, last closed at $20.55, about 39.7% overvalued vs fair value, +12.2% 1Y return, ranked 277/1004 in sector.
$20.55
-1.39%
As of March 13, 2026
Previous close • Vol 90d: 26.5%
52-Week Range
Market Cap
$3.25B
Enterprise Value
$2.64B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.1firstbank.com
HQ San Juan, PR
Fiscal year Dec 31

Next Events

Earnings Apr 23 Estimated

Fair Value Snapshot

Bear Base Bull
$7
$12
$23
Current: $20.55 -40% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$1.1B
7%%
Interest Expense
$254.2M
Net Interest Income
$807.5M
1.3%%
Total Revenue
$1.3B
38.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
17.9%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$208.0M
69.6% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
1/1
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating First BanCorp. New's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
73
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
67
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing FBP's balance between Growth (12.6%), Profitability (42.9%), and Safety (44.5%). Growth 13% Safety 45% Profitability 43%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

26th percentile vs peers
26
Key Signals
Rev Growth YoY 38.8% 33p Revenue CAGR 3Y 12.3% 28p Asset Growth YoY -0.8% 15p
Strengths
  • Roe in top 20% of peers (18.9%, 97th percentile)
  • Roa in top 20% of peers (1.6%, 89th percentile)
  • Operating Margin in top 20% of peers (33.2%, 83th percentile)
Risks
  • Asset Growth Yoy in bottom 20% of peers (-0.8%)
  • Growth below peer median (percentile: 26)

Profitability

89th percentile vs peers
90
Key Signals
Strengths
Risks
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Safety

93th percentile vs peers
93
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for First BanCorp. New.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$12.40
- - -
-39.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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