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    First BanCorp. (FBP)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NYSE

    $27.20
    +0.50 (+1.87%)

    Market Cap: $4.08B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    92%(36/39)
    Avg Surprise
    +14.87%
    Streak
    23 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.59
    Range$0.55 - $0.61
    7 analysts
    EPS Revisions
    4
    0
    7d
    5
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$0.56+6.2%
    60d ago$0.56+6.2%
    30d ago$0.56+6.1%
    7d ago$0.59+0.3%
    Current$0.59
    Revenue Consensus
    $275M
    Range$268M - $282M
    6 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.75
    Range$0.72 - $0.78
    7 analysts
    Revenue Consensus
    $291M
    Range$265M - $318M
    6 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.75---
    Sep 26EST
    		-$0.59---
    Jun 26
    Reported Jul 22
    		$0.62$0.54+14.81%Beat+24.0%
    Mar 26
    Reported Apr 22
    		$0.57$0.51+11.76%Beat+21.3%
    Dec 25
    Reported Jan 27
    		$0.55$0.51+7.84%Beat+19.6%
    Sep 25
    Reported Oct 23
    		$0.63$0.49+28.57%Beat+40.0%
    Jun 25
    Reported Jul 22
    		$0.50$0.46+8.70%Beat+8.7%
    Mar 25
    Reported Apr 24
    		$0.47$0.43+9.30%Beat+6.8%
    Dec 24
    Reported Jan 23
    		$0.46$0.41+12.20%Beat+0.0%
    Sep 24
    Reported Oct 23
    		$0.45$0.41+9.76%Beat-2.2%
    Jun 24
    Reported Jul 23
    		$0.46$0.40+15.00%Beat+17.9%
    Mar 24
    Reported Apr 23
    		$0.44$0.38+15.79%Beat+12.8%
    Dec 23
    Reported Jan 24
    		$0.46$0.36+27.78%Beat+15.0%
    Sep 23
    Reported Oct 20
    		$0.46$0.38+21.05%Beat+15.0%
    Jun 23
    Reported Jul 27
    		$0.39$0.35+11.43%Beat+2.6%
    Mar 23
    Reported Apr 25
    		$0.39$0.35+11.43%Beat-4.9%
    Dec 22
    Reported Jan 27
    		$0.40$0.40+0.00%Beat+11.1%
    Sep 22
    Reported Oct 25
    		$0.40$0.40+0.00%Beat+8.1%
    Jun 22
    Reported Jul 22
    		$0.38$0.36+5.56%Beat+5.6%
    Mar 22
    Reported Apr 28
    		$0.41$0.33+24.24%Beat+32.3%
    Dec 21
    Reported Jan 26
    		$0.36$0.32+12.50%Beat+33.3%
    Sep 21
    Reported Oct 25
    		$0.37$0.27+37.04%Beat+270.0%
    Jun 21
    Reported Jul 23
    		$0.36$0.24+50.00%Beat+260.0%
    Mar 21
    Reported Apr 26
    		$0.31$0.24+29.17%Beat+1133.3%
    Dec 20
    Reported Jan 29
    		$0.27$0.22+22.73%Beat+42.1%
    Sep 20
    Reported Oct 30
    		$0.10$0.15-33.33%Miss-50.0%
    Jun 20
    Reported Jul 28
    		$0.10$0.07+42.86%Beat-44.4%
    Mar 20
    Reported Apr 30
    		$-0.03N/A-117.65%Miss-117.6%
    Dec 19
    Reported Jan 28
    		$0.19$0.19+0.00%Beat-5.0%
    Sep 19
    Reported Oct 22
    		$0.20$0.20+0.00%Beat+25.0%
    Jun 19
    Reported Jul 23
    		$0.18$0.19-5.26%Miss+28.6%
    Mar 19
    Reported Apr 24
    		$0.17$0.17+0.00%Beat+21.4%
    Dec 18
    Reported Jan 29
    		$0.20$0.16+25.00%Beat+53.8%
    Sep 18
    Reported Oct 25
    		$0.16$0.16+0.00%Beat+23.1%
    Jun 18
    Reported Jul 25
    		$0.14$0.13+7.69%Beat+16.7%
    Mar 18
    Reported Apr 27
    		$0.14$0.09+55.56%Beat+16.7%
    Dec 17
    Reported Mar 15
    		$0.13$0.05+160.00%Beat+30.0%
    Sep 17
    Reported Nov 6
    		$0.13$0.11+18.18%Beat-
    Jun 17
    Reported Jul 28
    		$0.12$0.11+9.09%Beat-
    Mar 17
    Reported Apr 25
    		$0.12$0.10+20.00%Beat-
    Dec 16
    Reported Mar 16
    		$0.10$0.09+11.11%Beat-

    Dividends

    Dividend Metrics

    Forward Yield2.94%
    Forward Annual Dividend$0.80
    Payout Ratio31.96%
    FrequencyQuarterly
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+16.11%
    5Y CAGR+29.20%
    FBP dividend history and ex-dividend datesRun FBP in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio11.48EV/EBITDA8.43x
    Price/FCF9.42xFCF Yield10.62%
    Profitability
    Profit Margin39.00%Operating Margin49.10%
    ROE19.50%ROIC17.11%
    Financial Health
    Debt/Equity0.10xInterest Coverage1.83x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.83Avg Volume1.48M
    52-Week High$29.6752-Week Low$18.53

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$26.81
    SMA 20$26.84
    SMA 50$27.71
    SMA 200$24.43
    EMA 10$26.83
    EMA 20$26.97
    EMA 50$27.20
    EMA 200$25.03

    MACD

    Line: -0.22Signal: -0.29Hist: 0.07

    ADX

    ADX: 27.0+DI: 22.4-DI: 28.3

    Aroon & PSAR

    Aroon Up12.0
    Aroon Down60.0
    PSAR$26.08

    Bollinger Bands

    Upper Band$27.49
    Lower Band$26.18
    %B Position487%(Upper)
    Band Width0.78

    RSI (14-Day)

    Neutral
    52.1

    Momentum Oscillators

    Stoch %K69.7
    Stoch %D61.3
    Williams %R-7.3
    ROC (10d)2.0%
    Momentum0.54
    CCI (20d)55.7
    MFI (14d)51.4

    Volatility Measures

    ATR (14d)$0.50(1.8%)
    StdDev (20d)0.33
    Hist Vol16.5%(Low)

    Volume Flow

    VWAP$27.05
    OBV24.4M
    AD Line-547.4M
    CMF (20d)0.153

    Volume Metrics

    Avg Vol (20d)1.5M
    Vol Ratio0.9x
    VWMA (20d)$26.92

    Pivot Points

    R3$27.36
    R2$27.05
    R1$26.88
    Pivot Point$26.57
    S1$26.40
    S2$26.09
    S3$25.92

    Advanced Oscillators

    TSI-14.87
    Ultimate Osc59.3
    KST-39.61

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$264.86M$258.64M$257.17M$248.71M$246.81M$248.13M$242.95M$234.57M$230.89M$229.80M$250.88M$218.72M
    Cost of RevenueN/A$76.17M$85.36M$82.34M$83.00M$89.44M$91.69M$88.04M$84.13M$85.18M$87.65M$74.19M
    Gross ProfitN/A$242.31M$235.03M$222.19M$219.07M$219.34M$200.05M$213.56M$216.06M$214.04M$186.88M$221.00M
    Operating Expenses$127.32M$127.11M$126.87M$124.89M$123.34M$123.02M$124.53M$122.94M$118.68M$120.92M$126.61M$116.64M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$114.26M$107.33M$106.22M$102.89M$100.30M$96.03M$96.39M$101.38M$97.41M$84.87M$108.99M
    Interest Income$287.71M$279.85M$285.16M$282.74M$278.19M$277.06M$279.73M$274.68M$272.25M$268.50M$265.48M$263.40M
    Interest Expense$58.58M$58.89M$62.39M$64.83M$62.33M$64.67M$88.37M$72.61M$63.67M$63.02M$68.80M$63.68M
    Income Before Tax$120.21M$114.26M$107.33M$106.22M$102.89M$100.30M$96.03M$96.39M$101.38M$97.41M$84.87M$108.99M
    Income Tax Expense$24.05M$25.48M$20.23M$5.70M$22.70M$23.24M$20.33M$22.66M$25.54M$23.95M$-80,000$32.43M
    Net Income$96.15M$88.78M$87.10M$100.53M$80.18M$77.06M$75.70M$73.73M$75.84M$73.46M$84.95M$76.56M
    EBITDA$116.98M$114.71M$108.58M$109.68M$109.19M$106.84M$105.22M$104.34M$108.54M$104.27M$114.14M$106.71M
    EBIT$120.21M$114.26M$107.33M$106.22M$102.89M$100.30M$97.51M$96.39M$100.60M$96.71M$105.46M$97.69M
    * Some calculated fields are derived from available data when not provided by source

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    News

    First BanCorp (FBP) Just Gave Investors Something To Think About

    First BanCorp (FBP) has posted mixed results with year-on-year revenue growth and an EPS beat, but softer net interest income and a cautious outlook for Puerto Rico. Despite a recent 5.0% share price retreat...

    Simply Wall Street•10/9/26•Somewhat-Bullish

    First Bancorp Puerto Rico (FBP) Gets a Hold from Piper Sandler

    Piper Sandler analyst Manuel Navas has maintained a Hold rating on First Bancorp Puerto Rico (FBP) with a price target of $30.00. The analyst consensus for FBP is a Moderate Buy...

    The Globe and Mail•10/8/26•Neutral

    Regional Banks Stocks Q2 Teardown: First BanCorp (NYSE:FBP) Vs The Rest

    The article analyzes the Q2 performance of regional banks, highlighting First BanCorp (NYSE:FBP), OFG Bancorp (NYSE:OFG), Banc of California (NYSE:BANC), Regions Financial (NYSE:RF)...

    FinancialContent•10/6/26•Somewhat-Bearish

    Regional Banks Stocks Q2 Teardown: First BanCorp (NYSE:FBP) Vs The Rest

    This article analyzes the Q2 performance of regional bank stocks, highlighting First BanCorp (NYSE:FBP) against its peers. While First BanCorp reported satisfactory results, OFG Bancorp (NYSE:OFG) had the strongest Q2...

    StockStory•10/6/26•Somewhat-Bearish

    A 1,518-share grant goes to First BanCorp (FBP) director Luz Crespo; 182 shares are withheld for taxes.

    First BanCorp director Luz Crespo received a grant of 1,518 restricted shares under the 2026 Omnibus Incentive Plan, which will vest over one year on September 30, 2027. Additionally...

    Stock Titan•10/3/26•Neutral

    FBP Valuation and Fair Value

    P/E
    11.5x
    Forward P/E
    20.8x
    EV/EBITDA
    8.4x
    P/FCF
    9.4x
    PEG
    4.2x
    P/B
    2.1x
    See GNG's fair value

    FBP Profitability: Margins, ROIC and FCF

    Operating margin
    49.1%
    Net margin
    39.0%
    ROIC
    17.1%
    ROE
    19.5%
    FCF margin
    42.8%
    FCF yield
    10.6%

    FBP Competitors

    CompanyTicker
    Federated Investors Inc BFHI
    CorVel CorpCRVL
    Sezzle Inc.SEZL
    Moelis & CoMC
    SLM CorpSLM
    United Community Banks, Inc.UCB
    Fulton Financial CorporationFULT
    Twenty One Capital, Inc.XXI

    Sector: Financial Services

    FBP Analyst Ratings

    Consensus
    Buy
    Analysts
    7
    Strong Buy
    0
    Buy
    5
    Hold
    2
    Sell
    0
    Strong Sell
    0

    FBP Bull Case vs Bear Case

    Bull case

    • FBP earns a 17.1% return on invested capital.
    • FBP converts 42.8% of revenue into free cash flow.
    • FBP has a 39.0% net profit margin.

    FBP Earnings: Beat Rate and Next Report

    Beat rate
    8 of 8 quarters (100.0%)
    Average surprise
    12.9%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.59
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    5 up, 0 down

    FBP Dividend

    Forward yield
    2.9%
    Payout ratio
    32.0%
    3Y DPS growth
    16.1%
    5Y DPS growth
    29.2%
    Pay months
    Mar, Jun, Sep, Dec
    FBP dividend history

    Frequently Asked Questions About FBP

    What is FBP's current dividend yield?

    First BanCorp. (FBP) has a forward dividend yield of 2.94%.

    Does FBP pay dividends?

    Yes, First BanCorp. pays dividends with a forward dividend yield of 2.94%.

    What is FBP's P/E ratio?

    First BanCorp. has a price-to-earnings (P/E) ratio of 11.48.

    What is FBP's market cap?

    First BanCorp. (FBP) has a market capitalization of $4.08B with a current stock price of $27.20.

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