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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 $24.18, about 48.7% overvalued vs fair value, +23.1% 1Y return, ranked 280/1037 in sector.
Metrics Rev Growth 38.8% ROE 19.0% Gross Margin 72.9%
$24.18
-0.25%
As of April 28, 2026
Previous close • Vol 90d: 27.5%
52-Week Range
Market Cap
$3.79B
Enterprise Value
$3.18B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Excellent
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Excellent
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 88%
Updated: Mar 8
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 22 Call: Apr 22

Fair Value Snapshot

Bear Base Bull
$7
$12
$23
Current: $24.18 -49% 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

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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
74
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
69
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Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing FBP's balance between Growth (27.9%), Profitability (47.2%), and Safety (25.0%). Growth 28% Safety 25% Profitability 47%

Click axes to expand details. Marker shows current allocation.

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Growth

46th percentile vs peers
47
Key Signals
NII Growth YoY 1.3% 49p Equity Growth YoY 11.5% 74p EPS Growth YoY 10.3% 64p Asset Growth YoY -0.8% 15p
Strengths
  • Net Interest Margin in top 20% of peers (4.2%, 91th percentile)
  • ROTE in top 20% of peers (19.5%, 92th percentile)
  • ROE in top 20% of peers (19.0%, 96th percentile)
  • ROA in top 20% of peers (1.6%, 89th percentile)
Risks
  • Asset Growth YoY in bottom 20% of peers (-0.8%)

Profitability

78th percentile vs peers
79
Key Signals
Strengths
Risks
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Safety

41th percentile vs peers
42
Key Signals
Strengths
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Two Futures

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

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This company cannot be valued using standard models.

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Bear
-
- - -
- upside
-
Base
$12.40
- - -
-48.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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