FBP

First BanCorpB

NYSE / Banks

At close

2026-07-20

Current thesis

Bull case: stronger-than-expected loan performance in Puerto Rico, margin expansion, and upward analyst revisions pushing the stock toward the high end of published targets.

Posture

Constructive

Lead driver

Value

What changed

Next scheduled catalyst: earnings 2026-07-22 · BMO.

What can break

Deposit outflows or sudden funding-cost spike

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $24.19 · Bull $26.25 · Bear $20.89

Earnings

2026-07-22 · BMO

Data freshness

Prices

As of 2026-07-20

Fundamentals

As of 2026-07-20 • Vendor: Data Vendor v1

Scores

As of 2026-07-20 • Model: HYBRID_IC_RP

AI Memo

As of 2026-02-07 • Model: RankAlpha Sentiment AI

Investment thesis

As of 2026-07-20

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $28.86

Why

Momentum68 · Δ7d +3.7

Value58 · Δ7d -0.6

Sentiment43 · Δ7d -5.4

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendImproving

Δ7d

+3.7

Δ21d

-5.9

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.6

Δ21d

-1.0

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-5.4

Δ21d

-5.1

Why this grade

Composite grade B. Momentum 67.9 / Value 58.0 / Sentiment 43.3

Fundamentals (TTM)

As of 2026-07-20

Market Cap

$4.24B

Beta

0.87

Shares Out

154.68M

P/E (TTM)

10.9

P/S (TTM)

3.40

P/FCF (TTM)

10.61

Rev YoY

+1.4%

EPS YoY

+20.8%

Gross Margin

Op Margin

+41.2%

Net Debt

-$292.78M

Current Ratio

0.05

As of 2026-07-20 • Updated nightlySource: Internal modelMethodology