First BanCorp. New Common Stock (FBP)

FairStock Score: 66/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At the close on 2026-10-13, First BanCorp traded at $26.70, about 11.2 times FairStock's earnings figure and 2.05 times book. That is not a cigar butt. The bank earned $344.9 million in fiscal year 2025, the year ended 2025-12-31, up from $298.7 million in fiscal year 2024, the year ended 2024-12-31, though that was slightly below $302.9 million in fiscal year 2023, the year ended 2023-12-31. Diluted EPS moved from $1.71 in fiscal 2023 to $1.81 in fiscal 2024 and $2.15 in fiscal 2025. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $264.9 million, net income $96.2 million and diluted EPS $0.62, against revenue of $246.8 million, net income of $80.2 million and diluted EPS of $0.50 in fiscal Q2 2025, the quarter ended 2025-06-30. FairStock calculates an ROE of 19.49%, which is exactly what you want to see in a bank selling above book. But 2.05 times book leaves little room for a stumble. The 3.00% dividend yield and beta of 0.83 suggest a steadier ride, and the PEG of 0.74 says growth may not be fully priced. Still, I cannot see CET1, net interest margin, nonperforming loans, reserve coverage, or a debt-to-equity figure. A bank is a leveraged trust business; without those numbers, I treat the profitability as attractive but unverified. The FairStock score of 66/100 and Piotroski F-Score of 6/9 say decent, not bulletproof. I would want consistency through a full credit cycle, not just a good five-year run.

In plain English: First BanCorp is a bank holding company that provides banking products to people and businesses in Puerto Rico, the U.S., and the Virgin Islands. Its profits have grown and its returns look strong, but the shares sell for more than the company's accounting net worth, so the price looks fair rather than cheap. The data does not include key safety details about capital and loan losses, so it is hard to call the bank bulletproof.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer