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
AI scenario view
RankAlpha Sentiment CodexPost-earnings T+3Most 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
The current persistence contract does not provide an exact AI reference price. RankAlpha therefore does not calculate scenario return from the live quote. How scenarios are presented
AI sentiment snapshot
Latest data as of 2026-07-27
Recent news sentiment (30D)
+26.0
Positive
Company
-
Unavailable
Macro
+26.0
Positive
Pulse
-
Unavailable
Weekly research (10D)
-32.0
Negative
Sentiment proxy
+73.3
Score
AI commentary
Recent news tone is positive around the Q2 earnings beat, lower charge-offs, and capital returns. The stock anchor was $28.82 on 2026-07-24 versus $26.07 at quarter-end, but the packet does not provide a clean event-day attribution. Analyst revision evidence is unavailable, so the post-earnings view remains constructive but monitoring-oriented.
RankAlpha Sentiment Codex - 2026-07-27
Open post-earnings memoEvidence flagged
No evidence quality warning is currently attached to this memo.
Impact
standard
Confidence
-
AI events
2026-07-22eventQ2 2026 earnings beat with stronger operating trendsMedium impact
First BanCorp reported Q2 net income of $96.1 million, diluted EPS of $0.62, 4.87% net interest margin, record adjusted pre-tax pre-provision income of $137.5 million, and lower net charge-offs. The release also reported $1.7 billion of loan originations, up 21% year over year. [#8-K-2026-07-22]
2026-12-31catalystOrganic loan growth and capital-return executionHigh impact
Management reiterated a strategic focus on 3%-5% organic loan growth, strong profitability, and returning close to 100% of annual earnings to shareholders. Q2 included $50 million of repurchases, $31 million of declared dividends, and a 16.96% CET1 ratio. [#8-K-2026-07-22]
Recommendation
N/A
No formal recommendation provided.
As of 2026-07-27 • Updated nightlySource: Internal modelMethodology