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FBP

First BanCorpB
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
The EPS beat, $120.4 million increase in core deposits, commercial-led loan growth and larger capital-return authorization support moderate upside if margin stabilizes. Q3 net income was $96.1 million and return on average equity was 19.46%.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +1.2.
What can break
Funding costs rose, contributing to the Q3 margin decline despite core-deposit growth. [#SEC-8K-2026-10-22]
Momentum
63
Value
58
Sentiment
56
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $28.00 · Bull $32.00 · Bear $23.00Analysis 2026-10-23; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-26 • Vendor: Data Vendor v1
Scores
As of 2026-10-26 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-23 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-26

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-26. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $31.29
Why
Momentum63 · Δ7d +2.8
Value58 · Δ7d +1.2
Sentiment56 · Δ7d -10.8
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta +1.2.

Contradictions & invalidation

  • • Funding costs rose, contributing to the Q3 margin decline despite core-deposit growth. [#SEC-8K-2026-10-22]
  • • Q3 noninterest expenses included an additional $2.8 million contingency reserve tied to a commercial other-real-estate-owned property. [#SEC-8K-2026-10-22]
  • • Q3 net interest margin contracted 14 basis points sequentially, net interest income fell $1.6 million, and noninterest expense rose $2.9 million.

Catalyst clock

2026-11-06

Mixed Q3 earnings follow-through

Lead driver: Value · See fundamentals
Momentum
63
8% active weight
Current posture
7d trendFlat
Δ7d
+2.8
Δ21d
+6.2
Value
58
47% active weight
Current posture
7d trendImproving
Δ7d
+1.2
Δ21d
+0.7
Sentiment
56
45% active weight
Current posture
7d trendSoftening
Δ7d
-10.8
Δ21d
-20.8
Why this grade

Composite grade B. Momentum 62.5 / Value 57.5 / Sentiment 55.8

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-23. Scenario method

B+
Bull case
0%
Probability
Target price
$32.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Most likely
B
Base case
1%
Probability
Target price
$28.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
B-
Bear case
0%
Probability
Target price
$23.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-26
Market Cap
$4.18B
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 2026-10-26 • Updated nightlySource: Internal modelMethods & Data