Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
FBP
Strong BuyPremium GrowerFLAGFirst BanCorp. · Financial Services · United States · $4.3B · Avg Vol: $33M/d
First BanCorp has quality Q71 and momentum M74 with a buyback on file, but value at V42 is below the calibrated floor, so stage one fails. Insider selling is separately adverse.
COMPANY DESCRIPTION
First BanCorp. is a bank holding company that operates FirstBank, Puerto Rico's largest bank by assets, providing a comprehensive suite of financial products and services. Its significant competitive moat is derived from its dominant market position in Puerto Rico, extensive branch network, and deep understanding of the local economy and customer needs. First BanCorp. also serves clients in the U.S. Virgin Islands and Florida, leveraging its regional strength.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 886.6M | 897.2M | 905.1M | 961.7M | 2.7% | 954.2M | 1.0B | 1.1B | 6.6% |
| EPS | 1.32 | 1.60 | 1.72 | 1.82 | 2.16 | 13.1% | 2.37 | 2.56 | 2.72 | 12.2% |
| Shares | — | 182.7M | 169.3M | 163.9M | 156.6M | -14.3% | 152.7M | — | — | — |
| Debt | — | 858.8M | 661.7M | 561.7M | 290.0M | -30.4% | 200.0M | — | — | — |
| Equity | — | 1.3B | 1.5B | 1.7B | 2.0B | 14.1% | — | — | — | — |
| Op CF | — | 440.5M | 363.0M | 404.1M | 448.6M | 0.6% | 458.2M | — | — | — |
| Inv CF | — | -681.5M | -78.5M | 136.2M | -170.4M | — | — | — | — | — |
| Fin CF | — | -1.8B | -101.9M | -44.1M | -779.0M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FBP are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| FBP | First BanCorp.(you) | $4.3B | 82 | Strong Buy |
| CATY | Cathay General Bancorp | $4.1B | 78 | Buy |
| ASB | Associated Banc-Corp | $5.8B | 78 | Buy |
| WSBC | WesBanco, Inc. | $3.9B | 73 | Buy |
| UCB | United Community Banks, Inc. | $4.2B | 70 | Buy |
| OFG | OFG Bancorp | $2.2B | 82 | Strong Buy |
| FULT | Fulton Financial Corporation | $4.5B | 69 | Buy |
| WSFS | WSFS Financial Corporation | $4.0B | 67 | Buy |
| NBTB | NBT Bancorp Inc. | $2.7B | 74 | Buy |
| PFS | Provident Financial Services, Inc. | $3.1B | 72 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%