First BanCorp. (FBP): a potential bargain?

Not really a "crash" — FBP is near 52-week highs with record profits; the 2007 peak is 2008-crisis ancient history, irrelevant today.

🔥 HOT Fundamentals56/100

Down 86% from its all-time high of $199.95 — now $28.51

Why FBP dropped

The -85.7% figure is versus a 2007 all-time high set right before the global financial crisis and Puerto Rico's decade-long debt crisis, both long resolved; today the stock is only 4% off its recent 30-day/52-week high, having risen 36% over the past six months on strong earnings.

Fwd P/E 11.2Op margin 49.1%Rev growth 9.4%Debt/equity —Analyst upside 11.2%

How this scored 56/100

✅ Passes all 4 hard checks — profitable, cash-generative, and financially survivable.

✅ Makes money Net profit margin 39.0%

✅ Generates cash Free cash flow unknown

✅ Not drowning in debt Debt/equity unknown — exempt (banks run on leverage by design)

✅ Can pay its bills Exempt (financials)

Bar length shows how much each metric is worth — a 10-point metric is twice as wide as a 5-point one. Hover any row for what it means.

Profitability Does it actually make money? 23/25

Operating margin 49.1% 9/9

Net profit margin 39.0% 8/8

Return on equity 19.5% 6/8

Growth Is it getting bigger, or dying? 15/25

Revenue growth 9.4% 4/9

Earnings growth 24.4% 7/8

Expected profit change 7.5% 4/8

Value Is it cheap right now? 10/25

Forward P/E 11.2 9/10

PEG ratio 4.2 0/8

Analyst target upside 11.2% 1/7

Balance sheet Will it survive? 8/25

Debt / equity unknown 3/10

Current ratio unknown 2/8

Free cash flow unknown 2/7

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Analysis generated by SmartStonks's AI from public fundamentals and news, first flagged 2026-09-07. Research only — not financial advice.