---
title: "First BanCorp. (FBP.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/FBP.US.md"
symbol: "FBP.US"
name: "First BanCorp."
industry: "Regional Banks"
datetime: "2026-04-15T13:21:38.293Z"
locales:
  - [en](https://longbridge.com/en/quote/FBP.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/FBP.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/FBP.US.md)
---

# First BanCorp. (FBP.US)

## Company Overview

First BanCorp. operates as the bank holding company for FirstBank Puerto Rico that provides financial products and services to consumers and commercial customers. It operates through six segments: Mortgage Banking; Consumer (Retail) Banking; Commercial and Corporate Banking; Treasury and Investments; United States Operations; and Virgin Islands Operations. The Mortgage Banking segment engages in the origination, sale, and servicing of various residential mortgage loans; hedging activities; purchase of mortgage loans from branch and mortgage bankers; and origination of residential real estate loans.

| Item | Detail |
|------|--------|
| Industry | Regional Banks |
| Exchange | US Market |
| Website | [www.1firstbank.com](https://www.1firstbank.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: C
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-04-15T04:30:17.000Z

**Overall: C (0.43)**

**Industry**: Regional Banks

| Metric | Value |
|--------|-------|
| Industry Ranking | 157 / 332 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Mid - The company has stable operation of a large-cap stock and the high return of a small-cap stock.

**Multi Score**: C

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 4.35% |  |
| Net Profit YoY | 15.45% |  |
| P/B Ratio | 1.83 |  |
| Dividend Ratio | 3.25% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 3594644367.48 |  |
| Revenue | 914857000.00 |  |

#### Multi Score Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 18.97% | A |
| Profit Margin | 37.70% | A |
| Gross Margin | 0.00% | E |
| Revenue YoY | 4.35% | C |
| Net Profit YoY | 15.45% | C |
| Total Assets YoY | -0.83% | D |
| Net Assets YoY | 17.83% | A |
| Cash Flow Margin | 130.07% | B |
| OCF YoY | 4.35% | C |
| Turnover | 0.00 | E |
| Gearing Ratio | 0.00% | A |

```chart-data:radar
{
  "title": "Longbridge Financial Score - First BanCorp.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "4.35%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "15.45%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "1.83",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "3.25%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "3594644367.48",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "914857000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "18.97%",
          "rating": "A"
        },
        {
          "name": "Profit Margin",
          "value": "37.70%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        },
        {
          "name": "Revenue YoY",
          "value": "4.35%",
          "rating": "C"
        },
        {
          "name": "Net Profit YoY",
          "value": "15.45%",
          "rating": "C"
        },
        {
          "name": "Total Assets YoY",
          "value": "-0.83%",
          "rating": "D"
        },
        {
          "name": "Net Assets YoY",
          "value": "17.83%",
          "rating": "A"
        },
        {
          "name": "Cash Flow Margin",
          "value": "130.07%",
          "rating": "B"
        },
        {
          "name": "OCF YoY",
          "value": "4.35%",
          "rating": "C"
        },
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        },
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 10.42 | 45/332 | 11.19 | 10.46 | 9.73 |
| PB | 1.83 | 275/332 | 1.88 | 1.80 | 1.70 |
| PS (TTM) | 3.93 | 175/332 | 3.90 | 3.72 | 3.55 |
| Dividend Yield | 3.25% | 76/332 | 3.50% | 3.33% | 3.18% |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Truist Financial (TFC.US) | C | B | E | A | B | B |
| 02 | East West Bancorp (EWBC.US) | B | B | E | A | B | B |
| 03 | Pinnacle Financial (PNFP.US) | B | B | E | A | B | B |
| 04 | Wintrust Financial (WTFC.US) | B | B | E | A | B | B |
| 05 | SouthState Bank (SSB.US) | B | A | E | A | B | B |

## Institutional View

### Analyst Rating Distribution

> As of 2026-04-14T04:00:00.000Z

Total Analysts: **6**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Buy | 3 | 50% |
| Overweight | 1 | 17% |
| Hold | 2 | 33% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 22.76 |
| Highest Target | 26.00 |
| Lowest Target | 24.00 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/FBP.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/FBP.US/norm.md)
- [Related News](https://longbridge.com/en/quote/FBP.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/FBP.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**