FBP

First BanCorp.

Financial Services · $4.0B market cap

Verdict

Share price

$27.04

close of Oct 3, 2026

Fair value

$51.82

Sticker Price

Payback Price

$20.73

buy price

Undervalued

FBP is Undervalued: at $27.04 it trades 48% below its fair value of $51.82. Its buy price (Payback Price) is $20.73, 23% below today's price. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

1 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth11.4% a year✓
Equity per share growth-7.8% a year✗
Sales growth0.4% a year✗
Free cash flow growth5.8% a year✗
Return on invested capital9.0%✗

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Insider activity

Since Jun 30, 2026: no open-market purchases, 3 sales worth $1.3M and 3 other filings (stock awards, tax withholding and similar). Why purchases matter

Sales

Other filings

About First BanCorp.

First BanCorp., operating as the holding company for FirstBank Puerto Rico, delivers a broad spectrum of financial services to retail, commercial, and institutional clients. The company's operations are structured into six key segments: Commercial and Corporate Banking, Mortgage Banking, Consumer (Retail) Banking, Treasury and Investments, United States Operations, and Virgin Islands Operations. The Commercial and…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works