📊 FBP Key Takeaways
Is First Bancorp /Pr/ (FBP) a Good Investment?
First Bancorp demonstrates solid fundamental health with strong profitability (27.5% net margin, 17.5% ROE) and robust cash generation (437.5M FCF, 34.9% FCF margin). Revenue growth of 25.4% YoY is impressive for a regional bank, though net income growth stalled at 0% YoY, warranting closer monitoring of earnings sustainability.
FIRST BANCORP /PR/ shows strong core profitability for a bank, with a 17.5% ROE, 1.8% ROA, 27.5% net margin, and robust operating cash generation. Revenue grew 25.4% year over year, but flat net income suggests some pressure from funding costs, credit costs, or operating mix, so the business looks fundamentally solid rather than flawless. Overall, the balance of high returns, low reported long-term debt, and strong free cash flow supports a positive fundamental view.
Why Buy First Bancorp /Pr/ Stock? FBP Key Strengths
- Exceptional free cash flow generation at $437.5M with 34.9% FCF margin indicates strong capital-generating ability
- High net margin of 27.5% and ROE of 17.5% demonstrate operational efficiency and effective use of shareholder capital
- Conservative leverage with 0.15x debt-to-equity ratio provides financial flexibility and downside protection
- Significant revenue growth of 25.4% YoY shows market expansion and business momentum
- High profitability with 17.5% ROE, 1.8% ROA, and 27.5% net margin
- Strong revenue growth of 25.4% year over year with positive operating leverage
- Healthy balance sheet profile with low reported long-term debt and strong cash generation
FBP Stock Risks: First Bancorp /Pr/ Investment Risks
- Net income growth stalled at 0% YoY despite 25.4% revenue growth, suggesting margin compression or rising costs offset top-line gains
- Interest coverage ratio of 2.9x is adequate but not exceptional, limiting cushion for adverse rate environments
- High insider trading activity (22 Form 4 filings in 90 days) warrants investigation into insider sentiment and potential information asymmetries
- Net income was flat despite strong revenue growth, which may indicate margin compression or rising costs
- Interest coverage of 2.9x is adequate but not especially strong if funding costs remain elevated
- As a bank, earnings quality depends heavily on credit performance and deposit/funding stability, which are not fully visible in the provided data
Key Metrics to Watch
- Net income growth trajectory and operating margin trends to confirm earnings sustainability
- Interest coverage ratio movement amid changing rate environment
- Loan portfolio quality metrics and loan loss provisions to assess credit risk
- Net interest margin and provision for credit losses
- Deposit costs, nonperforming assets, and capital ratios
First Bancorp /Pr/ (FBP) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 34.9% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
FBP Profit Margin, ROE & Profitability Analysis
FBP vs Finance Sector: How First Bancorp /Pr/ Compares
How First Bancorp /Pr/ compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is First Bancorp /Pr/ Stock Overvalued? FBP Valuation Analysis 2026
Based on fundamental analysis, First Bancorp /Pr/ appears fundamentally strong relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
First Bancorp /Pr/ Balance Sheet: FBP Debt, Cash & Liquidity
FBP Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: First Bancorp /Pr/'s revenue has grown significantly by 18% over the 5-year period, indicating strong business expansion. The most recent EPS of $1.71 reflects profitable operations.
FBP Revenue Growth, EPS Growth & YoY Performance
FBP Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $234.6M | $73.7M | $0.45 |
| Q2 2025 | $231.7M | $75.8M | $0.46 |
| Q1 2025 | $230.5M | $73.5M | $0.44 |
| Q3 2024 | $230.0M | $73.7M | $0.45 |
| Q2 2024 | $231.7M | $70.7M | $0.39 |
| Q1 2024 | $230.5M | $70.7M | $0.39 |
| Q3 2023 | $230.0M | $74.6M | $0.40 |
| Q2 2023 | $227.1M | $70.7M | $0.38 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
First Bancorp /Pr/ Dividends, Buybacks & Capital Allocation
FBP SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for First Bancorp /Pr/ (CIK: 0001057706)
📋 Recent SEC Filings
❓ Frequently Asked Questions about FBP
What is the AI rating for FBP?
First Bancorp /Pr/ (FBP) has a Combined AI Rating of BUY from Claude (BUY) and ChatGPT (BUY) with 78% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are FBP's key strengths?
Claude: Exceptional free cash flow generation at $437.5M with 34.9% FCF margin indicates strong capital-generating ability. High net margin of 27.5% and ROE of 17.5% demonstrate operational efficiency and effective use of shareholder capital. ChatGPT: High profitability with 17.5% ROE, 1.8% ROA, and 27.5% net margin. Strong revenue growth of 25.4% year over year with positive operating leverage.
What are the risks of investing in FBP?
Claude: Net income growth stalled at 0% YoY despite 25.4% revenue growth, suggesting margin compression or rising costs offset top-line gains. Interest coverage ratio of 2.9x is adequate but not exceptional, limiting cushion for adverse rate environments. ChatGPT: Net income was flat despite strong revenue growth, which may indicate margin compression or rising costs. Interest coverage of 2.9x is adequate but not especially strong if funding costs remain elevated.
What is FBP's revenue and growth?
First Bancorp /Pr/ reported revenue of $1.3B.
Does FBP pay dividends?
First Bancorp /Pr/ pays dividends, with $115.5M distributed to shareholders in the trailing twelve months.
Where can I find FBP SEC filings?
Official SEC filings for First Bancorp /Pr/ (CIK: 0001057706) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is FBP's EPS?
First Bancorp /Pr/ has a diluted EPS of $2.15.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is FBP a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, First Bancorp /Pr/ has a BUY rating with 78% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is FBP stock overvalued or undervalued?
Valuation metrics for FBP: ROE of 17.5% (sector avg: 12%), net margin of 27.5% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
Should I buy FBP stock in 2026?
Our dual AI analysis gives First Bancorp /Pr/ a combined BUY rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is FBP's free cash flow?
First Bancorp /Pr/'s operating cash flow is $448.6M, with capital expenditures of $11.0M. FCF margin is 34.9%.
How does FBP compare to other Finance stocks?
Vs Finance sector averages: Net margin 27.5% (avg: 25%), ROE 17.5% (avg: 12%), current ratio N/A (avg: 1.2).