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First BanCorp. New (FBP) Stock Analysis

Buy WaitModerate Confidence

Financial Services · Banks - Regional

Wait for pullback to $21.31. Weak momentum — blocks BUY_NOW at $23.64. Engine's entry $21.31 (Ma50 Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Concentration risk — Geographic: Puerto Rico; Analyst target reached - limited upside remaining.

FirstBancorp (Puerto Rico) is a diversified financial holding company with approximately $18 billion in assets operating through FirstBank Puerto Rico, serving individuals and businesses in Puerto Rico, the U.S. Virgin Islands, and Florida. Revenue is primarily net interest... Read more

$23.64+6.6% A.UpsideScore 5.9/10#57 of 142 Banks - Regional
QualityF-score8 / 9FCF yield—
IncomeYield3.23%(5y avg 3.15%)Payout32.89%sustainable
Entry $21.31(Ma50 Sticky)Stop $20.43Target $24.08(resistance)A.R:R -0.8:1Setup A.R:R 1.7:1
Analyst target$26.00+10.0%6 analysts
$24.08our TP
$23.64price
$26.00mean
$27

Wait for pullback to $21.31. Weak momentum — blocks BUY_NOW at $23.64. Engine's entry $21.31 (Ma50 Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Concentration risk — Geographic: Puerto Rico; Analyst target reached - limited upside remaining. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. | News modifier +1 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Score 5.9/10, moderate confidence.

Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 61d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.

Val8.0Qual5.9Grw5.4Mom3.2Sent6.0Ins5.0Peer5.7Tech7.4Risk6.05.9OVERALL

Recent Developments — First BanCorp. New

Latest news

Generated 2026-05-20T21:06:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Strong earnings beat streak (4/4)
Earnings estimates trending UP
Risks
Concentration risk — Geographic: Puerto Rico
Analyst target reached - limited upside remaining
Near 52-week high (4.0% away)

Key Metrics

P/E (TTM)10.5
P/E (Fwd)9.8
Mkt Cap$3.6B
EV/EBITDA—
Profit Mgn38.2%
ROE19.0%
Rev Growth8.1%
Beta0.84
Dividend3.23%
Rating analysts11

Quality Signals

Piotroski F8/9

Options Flow

P/C0.70neutral
IV66%elevated
Max Pain$10-57.7% vs spot

Concentration Risks(10-K Item 1A)

  • HIGHGeographicPuerto Rico
    10-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.'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker

Momentum below the gate floor. Component breakdown shows what dragged the score down.static

Volume
0.0
Obv
1.0
Macd
1.4
Ma Position
6.0
Rsi
7.7
Uptrend pullback (RSI 38) - buy opportunityVolume distribution (falling OBV)Above 200-day MA
GatesMomentum 3.2<4.5A.R:R -0.8=NEGATIVEInsider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 61d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Aggressive
RSI
38 · Neutral
↓ 20D MA↑ 50D MA↑ 200D MAGOLDEN CROSSSupport $23.05Resistance $24.57

Price Targets

$20
$21
$24
A.Upside+1.9%
A.R:R-0.8:1
Setup A.R:R (at entry)1.7:1

Position Sizing

ConvictionMedium conviction
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Target reached (-4.1% upside)
! NEWS_MOD=+1: HOLD_IF_HOLDING → STRONG_BUY_WAIT
! Momentum score 3.2/10 — below 4.5 minimum

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-21 (61d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is FBP stock a buy right now?

Wait for pullback to $21.31. Weak momentum — blocks BUY_NOW at $23.64. Engine's entry $21.31 (Ma50 Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Concentration risk — Geographic: Puerto Rico; Analyst target reached - limited upside remaining. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. | News modifier +1 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Target $24.08 (+1.9%), stop $20.43 (−15.7%), Setup A.R:R 1.7:1. Score 5.9/10, moderate confidence.

What is the FBP stock price target?

Take-profit target: $24.08 (+6.6% upside). Target $24.08 (+1.9%), stop $20.43 (−15.7%), Setup A.R:R 1.7:1. Stop-loss: $20.43.

What are the risks of investing in FBP?

Concentration risk — Geographic: Puerto Rico; Analyst target reached - limited upside remaining; Near 52-week high (4.0% away).

Is FBP overvalued or undervalued?

First BanCorp. New trades at a P/E of 10.5 (forward 9.8). TrendMatrix value score: 8.0/10. Verdict: Buy (Wait for Entry).

What do analysts say about FBP?

11 analysts cover FBP with a consensus score of 4.1/5. Average price target: $26.

What does First BanCorp. New do?FirstBancorp (Puerto Rico) is a diversified financial holding company with approximately $18 billion in assets...

FirstBancorp (Puerto Rico) is a diversified financial holding company with approximately $18 billion in assets operating through FirstBank Puerto Rico, serving individuals and businesses in Puerto Rico, the U.S. Virgin Islands, and Florida. Revenue is primarily net interest income from loans and investments; operations and credit exposure are heavily concentrated in Puerto Rico.

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