First BanCorp. New (FBP) Stock Analysis
Breakout setup
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $24.25, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: Puerto Rico; Analyst target reached - limited upside remaining.
First BanCorp. is a Puerto Rico-chartered financial holding company with 19.1 billion in total assets as of December 31, 2025, operating FirstBank through 57 Puerto Rico branches, 8 USVI and BVI branches, and 8 Florida branches. Revenue derives from commercial and consumer... Read more
Hold if already holding. Not a fresh buy at $24.25, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: Puerto Rico; Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 65, MACD bullish. Maintain position. Not compelling to add more. Score 5.9/10, moderate confidence.
Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news boost analyst 0.35, news boost analyst cluster(5), earnings proximity 81d clear, semi cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHGeographicPuerto Rico10-K Item 1A: 'A significant portion of our business activities and credit exposure is concentrated in Puerto Rico, which has faced prolonged economic and fiscal challenges.'
Material Events(8-K, last 90d)
- 2026-02-09Item 5.02MEDIUMOrlando Berges announced retirement as EVP and CFO effective June 30, 2026 (serving since 2009). Said Ortiz appointed new CFO effective July 1, 2026; currently SVP and Chief Accounting Officer. Clean handoff with named successor.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
10 dimensions · all in-band
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $24.25, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: Puerto Rico; Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 65, MACD bullish. Maintain position. Not compelling to add more. Target $24.02 (-0.9%), stop $23.04 (−5.3%), A.R:R -0.6:1. Score 5.9/10, moderate confidence.
Take-profit target: $24.02 (-1.0% upside). Target $24.02 (-0.9%), stop $23.04 (−5.3%), A.R:R -0.6:1. Stop-loss: $23.04.
Concentration risk — Geographic: Puerto Rico; Analyst target reached - limited upside remaining; Near 52-week high (1.0% away).
First BanCorp. New trades at a P/E of 10.6 (forward 10.1). TrendMatrix value score: 8.0/10. Verdict: Hold.
11 analysts cover FBP with a consensus score of 3.9/5. Average price target: $26.
What does First BanCorp. New do?First BanCorp. is a Puerto Rico-chartered financial holding company with 19.1 billion in total assets as of December...
First BanCorp. is a Puerto Rico-chartered financial holding company with 19.1 billion in total assets as of December 31, 2025, operating FirstBank through 57 Puerto Rico branches, 8 USVI and BVI branches, and 8 Florida branches. Revenue derives from commercial and consumer banking, mortgage banking, auto financing, and insurance agency services primarily concentrated in Puerto Rico.