First BanCorp. (FBP): one to watch?

A recovered, profitable Puerto Rico bank trading near fair value — decent business, but the huge 2007 crash reason no longer applies and there's no fresh bargain today.

👀 WATCH Fundamentals55/100

Down 86% from its all-time high of $199.95 — now $27.43

$29.3$10.2 20222023202420252026

Why FBP dropped

The stock's 86% drop from its 2007 peak reflects the Great Financial Crisis and Puerto Rico's debt/economic collapse, which nearly destroyed the bank over a decade ago — that is ancient history, not today's story. More recently, the stock dipped slightly (down 1.5% from a 30-day high set just 3 days ago) due to a broad regional-bank sector selloff and a minor trim in 2026 loan-growth guidance from 5% to 4%, as the bank trimmed its 2026 loan growth guidance from 5% to 4%, citing expected delays in deposit repricing and rising economic uncertainty across its core markets, amid a broader regional bank sector selloff.

Fwd P/E 11.4Op margin 47.8%Rev growth 8.1%Debt/equity —Analyst upside 5.2%
How this scored 55/100
✅ Passes all 4 hard checks — profitable, cash-generative, and financially survivable.
✅ Makes money Net profit margin 38.2%
✅ 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 47.8% 9/9
Net profit margin 38.2% 8/8
Return on equity 19.0% 6/8
Growth Is it getting bigger, or dying? 14/25
Revenue growth 8.1% 4/9
Earnings growth 21.3% 6/8
Expected profit change 6.6% 3/8
Value Is it cheap right now? 10/25
Forward P/E 11.4 9/10
PEG ratio 4.2 0/8
Analyst target upside 5.2% 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 2026-07-21. Research only — not financial advice.