First BanCorp (FBP) stock
FBPNYSEState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 18/3014% above fair value
$26.09−0.12 (-0.46%)
Close on Nov 12, 2026Market cap $3.98BP/E 11.0Yield 2.76%
First BanCorp statistics
96 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 26, 2027 (estimated, before the open)
- Last ex-dividend date
- Aug 27, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 12, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 2.17
- 1.52
- P/OCF Ratio
- 9.36
- 9.78
Enterprise valuationIndustry
- EV / Sales
- 2.74
- 2.95
- EV / FCF
- 8.70
- 8.51
Share statisticsIndustry
- Shares Change (YoY)
- -4.52%
- 0.35%
- Shares Change (QoQ)
- -1.15%
- 0.00%
- Float
- 149M
- 17M
- Shares Held by Insiders
- 2.47%
- 6.05%
- Shares Held by Institutions
- 96.7%
- 61.3%
Short sellingIndustry
- Short Interest
- 7M
- –
- Short Interest Change
- -11.9%
- -4.13%
- Short % of Float
- 4.56%
- 3.58%
- Short % of Shares Outstanding
- 4.45%
- 3.18%
- Days to Cover
- 3.51
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $29.88
- –
- 52-Week Low
- $19.28
- –
- 20-Day Moving Average
- $26.69
- –
- 50-Day Moving Average
- $27.00
- –
- 200-Day Moving Average
- $25.19
- –
- Average True Range (14)
- $0.54
- –
- Price Change (1 Week)
- 0.62%
- 0.51%
- Price Change (1 Month)
- -2.28%
- 4.83%
- Price Change (3 Months)
- -12.2%
- -3.58%
- Price Change (6 Months)
- 11.7%
- 10.8%
- Price Change (YTD)
- 25.9%
- 19.6%
- Price Change (1 Year)
- 28.3%
- 25.4%
- Price Change (3 Years)
- 86.0%
- 76.7%
- Price Change (5 Years)
- 81.9%
- 26.5%
- Price Change (10 Years)
- 327.7%
- 67.0%
- Average Volume (10 Days)
- 1M
- –
- Average Volume (20 Days)
- 2M
- –
- Average Volume (90 Days)
- 1M
- –
- Relative Volume
- 0.70
- 0.67
- Relative Strength Index (14)
- 39.9
- 52.6
- Volatility (1 Year)
- 22.8%
- 24.4%
- Beta (5 Years)
- 0.85
- 0.63
MarginsIndustry
- Pretax Margin
- 35.3%
- 36.9%
- FCF Margin
- 31.5%
- 33.8%
Returns on capitalIndustry
- Return on Equity (ROE)
- 19.4%
- 10.8%
- Return on Assets (ROA)
- 1.91%
- 1.16%
Financial positionIndustry
- Debt / Equity
- 0.01
- 0.21
- Debt / FCF
- 0.06
- 1.42
GrowthIndustry
- Revenue Growth (YoY)
- 1.75%
- 11.8%
- Net Income Growth (YoY)
- 10.4%
- 22.7%
- EPS Growth (YoY)
- 15.0%
- 21.6%
- FCF Growth (YoY)
- -5.13%
- 27.5%
- Revenue Growth (3Y CAGR)
- 8.39%
- 5.82%
- Revenue Growth (5Y CAGR)
- 9.31%
- 6.17%
- EPS Growth (3Y CAGR)
- 10.6%
- 1.31%
- EPS Growth (5Y CAGR)
- 36.1%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.07
- 0.04
- Revenue Per Employee
- $402.43K
- $359.04K
- Profits Per Employee
- $114.40K
- $110.51K
- Employee Count
- 3,218
- 492
- WACC
- 9.10%
- 7.91%
Income statement (TTM)Industry
- Pretax Income
- $457.06M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $438.91M
- $166.15M
- Net Cash Per Share
- $2.87
- $8.19
- Equity (Book Value)
- $1.88B
- $570.13M
- Book Value Per Share
- $12.28
- $28.22
- Tangible Book Value
- $1.83B
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$18.10M
- -$4.27M
- FCF Per Share
- $2.67
- $3.35
Dividends and yieldsIndustry
- Earnings Yield
- 9.24%
- 8.32%
- FCF Yield
- 10.2%
- 9.23%
- Dividend Yield
- 2.76%
- 2.44%
- Buyback Yield
- 5.15%
- 1.80%
- Shareholder Yield
- 7.91%
- 3.22%
- Dividend Per Share
- $0.72
- $0.92
- Dividend Growth (YoY)
- 12.5%
- 4.26%
- Years of Dividend Growth
- 8
- 2
- Payout Ratio
- 32.9%
- 29.0%
- FCF Payout Ratio
- 29.7%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $88.91M
- $16.14M
- Effective Tax Rate
- 19.5%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $25.59
- $45.31
- Graham Upside
- -1.90%
- 18.8%
- Altman Z-Score
- 0.38
- 0.22
- Piotroski F-Score
- 7
- 6
- Lynch Fair Value
- $59.25
- –
- Lynch Upside
- 127.1%
- -0.36%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.
| Period | FBP | S&P 500 | Difference | FBP per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | -2.5% | -2.7% | +0.2 pts | ||
| 3 months | -10.0% | -1.7% | −8.3 pts | ||
| Year to date | +29.0% | +11.9% | +17.1 pts | ||
| 1 year | +30.9% | +12.0% | +18.9 pts | ||
| 3 years | +104.5% | +78.2% | +26.4 pts | +26.9% | +21.2% |
| 5 years | +114.5% | +73.2% | +41.2 pts | +16.5% | +11.6% |
| 10 years | +437.3% | +309.6% | +127.6 pts | +18.3% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
7M FBP shares were sold short on Oct 30, 2026, down 11.9% from the previous report, or 4.56% of the shares available to trade. At recent volumes it would take 3.5 days to buy them back. Over the last 20 sessions, 53.5% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 6,792,238 | -11.9% | 1,933,017 | 3.5 |
| Oct 15, 2026 | 7,712,419 | +6.6% | 1,350,982 | 5.7 |
| Sep 30, 2026 | 7,238,091 | -1.1% | 1,609,841 | 4.5 |
| Sep 15, 2026 | 7,321,616 | +10.8% | 1,202,888 | 6.1 |
| Aug 31, 2026 | 6,610,591 | +1.0% | 1,094,941 | 6.0 |
| Aug 14, 2026 | 6,546,416 | +6.2% | 1,105,045 | 5.9 |
| Jul 31, 2026 | 6,162,056 | -10.8% | 1,935,000 | 3.2 |
| Jul 15, 2026 | 6,904,315 | +8.1% | 1,029,748 | 6.7 |
| Jun 30, 2026 | 6,384,878 | +5.7% | 2,131,883 | 3.0 |
| Jun 15, 2026 | 6,040,338 | -21.2% | 1,704,775 | 3.5 |
| May 29, 2026 | 7,661,993 | +0.0% | 1,199,052 | 6.4 |
| May 15, 2026 | 7,658,881 | +3.6% | 1,011,453 | 7.6 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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