FBP | Ticker Profile - Titan Protect

FBP

First BanCorp.

Financial Services · Banks - Regional · NYQ

$24.32

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$3.7B

Total market value of the company

Trailing P/E

10.76

Reasonably valued

Forward P/E

10.11

Based on estimated future earnings — lower means cheaper

Rev Growth

+8.1%

Year-over-year revenue change

Profit Margin

38.2%

How much profit the company keeps from each dollar of revenue

ROE

19.0%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$26.00

+7% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 6 analysts covering this stock

About First BanCorp.

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. The Consumer (Retail) Banking segment is involved in consumer lending, commercial lending to small businesses, commercial transaction banking, and deposit-taking activities. The Commercial and Corporate Banking segment offers lending and other services, including commercial lending and commercial deposit-taking activities. The Treasury and Investments segment manages funding; and obtains funds through brokered deposits, advances from the FHLB, and repurchase agreements involving investment securities, among other funding sources. The United States Operations segment provides checking, savings, and money market accounts; retail CDs; internet banking services; residential mortgages; home equity loans and lines of credit; retail deposits; cash management services; remote data capture; automated clearing house transactions; and traditional commercial and industrial, and commercial real estate products, such as lines of credit, term loans, and construction loans. The Virgin Islands Operations segment focuses on consumer and commercial lending, and deposit-taking activities. The company also offers automobile financing and insurance agency services. First BanCorp. was founded in 1948 and is headquartered in San Juan, Puerto Rico.

https://www.1firstbank.com

Country: United States Employees: 3,218 Industry: Banks - Regional

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

ACCUMULATION

Smart money appears to be building positions quietly

Sharpe Ratio

0.798

Good returns relative to risk taken

Kelly Fraction

0.0604

Suggested allocation is meaningful — the edge justifies a position

Calmar Ratio

0.923

Acceptable balance between returns and drawdown risk

Annual Return

21.1%

Historical annualised return based on price data

Max Drawdown

-22.9%

Largest peak-to-trough decline — the worst it has been

HMM State

BEAR

Statistical model detects bearish conditions

Days in State

266

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.84

Less volatile than the market — more defensive

52W High

$24.64

1% below the year high

52W Low

$19.16

27% above the year low

Avg Volume

1,444,291

Average daily shares traded — higher means easier to buy and sell

Short Ratio

5.6

Days it would take all short sellers to cover — higher means more crowded

Short % Float

7.3%

Moderate short interest

Div Yield

314.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$2.25

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

0.0%

Revenue left after cost of goods — higher means pricing power

Operating Margin

47.8%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$933M

Total revenue over the last 12 months

Net Income

$357M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$27.00

Target Median

$26.00

Target Low

$25.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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