B+
Bull case
25%
Probability
Target price
$34.00
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
FBP
First BanCorpBNYSE / Banks
Last Price
Quote time unavailable
Current thesis
The Q2 print supports a constructive view: earnings, margin, loan originations, capital returns, and asset quality were favorable, while CET1 remained strong. Management also maintained confidence in full-year loan-growth objectives.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +5.6.
What can break
Analyst estimate revisions and post-print target changes are not available in the packet, limiting confirmation of the earnings-driven thesis.
Momentum
64
Value
56
Sentiment
69
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $30.70 · Bull $34.00 · Bear $24.50Analysis 2026-07-27; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-27 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-09-09
Investment thesis
As of 2026-09-09
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $31.71
Why
Momentum64 · Δ7d +1.5
Value56 · Δ7d -6.9
Sentiment69 · Δ7d +5.6
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta +5.6.
Contradictions & invalidation
- • Analyst estimate revisions and post-print target changes are not available in the packet, limiting confirmation of the earnings-driven thesis.
- • Funding costs, deposit attrition, and rate changes could pressure net interest margin.
- • The positive print does not eliminate sensitivity to deposit funding costs, interest rates, seasonal delinquencies, consumer credit, or Puerto Rico and Florida economic conditions.
Catalyst clock
2026-07-22
Q2 2026 earnings beat with stronger operating trends
Lead driver: Sentiment · See AI snapshot
Momentum
64
9% active weight
Current posture
7d trendFlat
Δ7d
+1.5
Δ21d
-14.9
Value
56
28% active weight
Current posture
7d trendSoftening
Δ7d
-6.9
Δ21d
-0.0
Sentiment
69
62% active weight
Current posture
7d trendImproving
Δ7d
+5.6
Δ21d
+8.0
Why this grade
Composite grade B. Momentum 63.7 / Value 55.9 / Sentiment 69.3
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-27. Scenario method
Most likely
B
Base case
55%
Probability
Target price
$30.70
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
B-
Bear case
20%
Probability
Target price
$24.50
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$4.51B
Beta
0.87
Shares Out
152.67M
P/E (TTM)
10.9
P/S (TTM)
3.40
P/FCF (TTM)
10.61
Rev YoY
+4.7%
EPS YoY
+25.6%
Gross Margin
-
Op Margin
+35.1%
Net Debt
-$292.78M
Current Ratio
0.05
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data