Stocks · Financial Services · Banks - Regional
First BanCorp. FBP
$27.04 +1.43% Close, Oct 2, 2026 · NYSE · Market cap $4.13B
High quality
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 14 quarters (average surprise over the last four: +9.0%).
- The stock is in an uptrend: above its 200-day average for 129 trading days, with the 50-day average above the 200-day.
- The shares trade at 11.4× trailing earnings, higher than 81% of the company's own readings over the past five years.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth44Weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 45%
- EPS growth (TTM, YoY)Top 42%
- FCF growth (TTM, YoY)Bottom 40%
- Revenue growth, 3-year CAGRBottom 29%
- Revenue growth accelerationTop 31%
Quality85Strong
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 44%
- Gross marginTop 26%
- Operating marginTop 20%
- Cash conversion (OCF / net income)Top 46%
- Accruals (lower is better)Top 44%
- Net debt / EBITDA (lower is better)Top 19%
- Interest coverTop 32%
Value71Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 27%
- Free-cash-flow yieldTop 31%
- EBITDA / enterprise valueTop 18%
- Sales / enterprise valueTop 44%
- P/E vs own 5-year history (lower is better)Bottom 25%
Momentum73Positive
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 22%
- 6-month returnTop 15%
- 1-year return vs S&P 500Top 26%
- Distance from 52-week highTop 46%
- Trend checklist (0–4)Top 48%
Revisions88Strong
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 31%
- Consecutive EPS beatsTop 2%
- Share of analysts rating BuyTop 16%
- Upside to consensus price targetBottom 33%
Stability65Positive
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 42%
- Maximum drawdown, 3 yearsTop 35%
- Beta vs S&P 500 (lower is better)Bottom 31%
- Net debt / EBITDA (lower is better)Top 19%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 3.6% | 5.3% | ↑ |
| EPS growth (YoY) | 22.3% | 26.1% | ↑ |
| Gross margin | 70.8% | 74.8% | ↑ |
| Operating margin | 32.9% | 35.3% | ↑ |
| FCF margin | 34.1% | 34.6% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 5.3% | 3.6% | ↑ | Bottom 45% |
| EPS growth (TTM, YoY) | 26.1% | 22.3% | ↑ | Top 42% |
| Gross margin | 74.8% | 70.8% | ↑ | Top 26% |
| Operating margin | 35.3% | 32.9% | ↑ | Top 20% |
| Net margin | 29.4% | 25.5% | ↑ | — |
| Free-cash-flow margin | 34.6% | 34.1% | ↑ | — |
| Return on invested capital | 1.9% | — | Top 44% | |
| Revenue growth, 3-year CAGR | 9.6% | — | Bottom 29% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.22×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.4%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.2%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -6.5 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.78×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.90%
- Net buyback yield (TTM)
- 4.97%
- Shareholder yield
- 7.86%
- Share count change, 1 year
- -4.6%
- Share count change, 3-year CAGR
- -4.9%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 14
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +9.0%
- Average 2-day reaction, last 8
- +0.4%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $29.75
- Target vs current price
- +10.0%
- Analysts with a rating
- 17
- Share rating Buy or Strong Buy
- 76%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | +14.4% | +4.4% | +6.0% | +6.2% | — |
| Apr 22, 2026 | +10.9% | -1.5% | +0.6% | -2.0% | +14.1% |
| Jan 27, 2026 | +5.8% | +5.2% | +7.7% | +4.8% | +13.3% |
| Oct 23, 2025 | +4.8% | -2.6% | -6.2% | -3.4% | +2.4% |
| Jul 22, 2025 | +6.4% | -2.4% | -2.5% | -2.6% | +1.2% |
| Apr 24, 2025 | +10.0% | +0.1% | +0.4% | +4.0% | +11.8% |
| Jan 23, 2025 | +12.2% | +5.8% | +7.2% | +2.7% | -6.8% |
| Oct 23, 2024 | +9.8% | -5.4% | -5.1% | +0.7% | -3.5% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $0.62 | $0.54 | +14.4% | $264.9M |
| Apr 22, 2026 | $0.57 | $0.51 | +10.9% | $258.6M |
| Jan 27, 2026 | $0.55 | $0.52 | +5.8% | $257.2M |
| Oct 23, 2025 | $0.51 | $0.49 | +4.8% | $239.7M |
| Jul 22, 2025 | $0.50 | $0.47 | +6.4% | $30.9M |
| Apr 24, 2025 | $0.47 | $0.43 | +10.0% | $244.1M |
| Jan 23, 2025 | $0.46 | $0.41 | +12.2% | $221.3M |
| Oct 23, 2024 | $0.45 | $0.41 | +9.8% | $229.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.4× | 10.1× | 81th | Top 27% |
| P/E (forward) | 11.3× | — | — | — |
| EV / EBITDA | 8.2× | — | — | Top 18% |
| EV / Sales | 2.97× | — | — | Top 44% |
| Free-cash-flow yield | 10.62% | — | — | Top 31% |
| Earnings yield | 8.76% | — | — | Top 27% |
P/E over the past five years
Range 6.9× – 13.0× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +24.6%
- Earnings per share growth (TTM)
- +26.1%
- Change in P/E multiple
- +11.5%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 129
- 50-day average slope (20 days)
- +0.6%
- 200-day average slope (20 days)
- +3.0%
- Distance from 50-day average
- -4.0%
- Distance from 200-day average
- +10.8%
- RSI (14)
- 44.6
- Relative volume
- 0.93×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 19.2%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.86
- Correlation with S&P 500
- 0.51
- Current drawdown from 1-year high
- -9.0%
- Maximum drawdown, 3 years
- -24.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 14, 2022 | May 12, 2023 | -34.7% | 332 days | 148 days (Dec 13, 2023) |
| Nov 6, 2024 | Apr 7, 2025 | -24.1% | 102 days | 66 days (Jul 14, 2025) |
| May 6, 2021 | Jul 19, 2021 | -16.4% | 50 days | 49 days (Sep 27, 2021) |
| Aug 27, 2025 | Oct 29, 2025 | -14.4% | 44 days | 64 days (Feb 2, 2026) |
| Nov 23, 2021 | Dec 20, 2021 | -13.7% | 18 days | 12 days (Jan 6, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $4.13B
- P/E (TTM)
- 11.4
- EPS, diluted (TTM)
- $2.37
- Revenue (TTM)
- $1.27B
- Dividend yield
- 2.88%
- 52-week range
- $19.16 – $29.88
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $882.0M | $953.9M | $1.12B | $1.19B | $1.26B |
| Gross profit | $882.5M | $858.2M | $830.2M | $843.7M | $916.4M |
| Operating income | $427.8M | $447.6M | $397.4M | $391.2M | $416.7M |
| Net income | $281.0M | $305.1M | $302.9M | $298.7M | $344.9M |
| EPS (diluted) | $1.31 | $1.59 | $1.71 | $1.81 | $2.15 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $301.6M | $291.7M | $308.8M | $302.1M | $304.5M | $320.4M | $318.5M | $324.3M |
| Net income | $73.7M | $75.7M | $77.1M | $80.2M | $100.5M | $87.1M | $88.8M | $96.2M |
| EPS (diluted) | $0.45 | $0.46 | $0.47 | $0.50 | $0.63 | $0.55 | $0.57 | $0.62 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $399.7M | $440.5M | $363.0M | $404.1M | $445.1M |
| Capital expenditure | -$13.3M | -$20.5M | -$22.6M | -$10.0M | -$11.0M |
| Free cash flow | $386.4M | $420.0M | $340.4M | $394.1M | $434.0M |
| Dividends paid | -$65.0M | -$87.8M | -$99.7M | -$105.6M | -$115.5M |
| Net share buybacks | -$252.6M | -$277.8M | -$203.2M | -$102.4M | -$153.7M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $559.6M
- Total assets
- $19.24B
- Total liabilities
- $17.26B
- Total debt
- $200.0M
- Net debt
- -$359.6M
- Shareholders’ equity
- $1.98B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 27, 2026 | $0.20 | Sep 11, 2026 |
| May 28, 2026 | $0.20 | Jun 12, 2026 |
| Feb 26, 2026 | $0.20 | Mar 13, 2026 |
| Nov 28, 2025 | $0.18 | Dec 12, 2025 |
| Aug 28, 2025 | $0.18 | Sep 12, 2025 |
| May 29, 2025 | $0.18 | Jun 13, 2025 |
| Feb 21, 2025 | $0.18 | Mar 7, 2025 |
| Nov 29, 2024 | $0.16 | Dec 13, 2024 |
Short interest
- Shares sold short
- 7,321,616
- Days to cover
- 6.09
- Change vs previous report
- +10.8%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jan 7, 2011
- 1-for-15
- Jul 1, 2005
- 2-for-1
- Oct 1, 2002
- 3-for-2
- Jun 1, 1998
- 2-for-1
- Jun 12, 1995
- 3-for-2