First BanCorp (FBP)
Market Price (2/7/2026): $23.23 | Market Cap: $3.7 BilSector: Financials | Industry: Regional Banks
First BanCorp (FBP)
Market Price (2/7/2026): $23.23Market Cap: $3.7 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 3.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 8.0%, FCF Yield is 12% | Trading close to highsDist 52W High is 0.0%, Dist 3Y High is 0.0% | Key risksFBP key risks include [1] a significant operational concentration in Puerto Rico, Show more. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -128% | Moderate capital ratioTier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 10% | |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 46%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 45% | ||
| Low stock price volatilityVol 12M is 28% | ||
| Uninsured deposits are lowUninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 15% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, Wealth Management Technology, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 3.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 8.0%, FCF Yield is 12% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -128% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 46%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 45% |
| Low stock price volatilityVol 12M is 28% |
| Uninsured deposits are lowUninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 15% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, Wealth Management Technology, Show more. |
| Trading close to highsDist 52W High is 0.0%, Dist 3Y High is 0.0% |
| Moderate capital ratioTier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 10% |
| Key risksFBP key risks include [1] a significant operational concentration in Puerto Rico, Show more. |
Qualitative Assessment
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1. Strong Fourth Quarter 2025 Earnings Exceeding Expectations: First BanCorp reported robust financial results for the fourth quarter of 2025, with earnings per share (EPS) of $0.55, surpassing analyst forecasts of $0.51, and revenue of $257.17 million, slightly above the projected $256.2 million. This strong performance drove a 4.74% pre-market stock increase and contributed to a net income of $87.1 million for the quarter, along with total revenues exceeding $1 billion for the full year 2025 for the first time.
2. Positive 2026 Guidance and Improved Profitability Metrics: Management provided an optimistic outlook for 2026, projecting organic loan growth of 3-5% and anticipating net interest margin growth of 2-3 basis points per quarter. The company also demonstrated improved profitability with its return on assets increasing to 1.81% from 1.58% in 2024 and maintaining a strong efficiency ratio of 49% for the quarter. This forward-looking guidance signals continued financial health and growth potential to investors.
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Stock Movement Drivers
Fundamental Drivers
The 20.2% change in FBP stock from 10/31/2025 to 2/6/2026 was primarily driven by a 9.5% change in the company's P/E Multiple.| (LTM values as of) | 10312025 | 2062026 | Change |
|---|---|---|---|
| Stock Price ($) | 19.31 | 23.22 | 20.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 934 | 945 | 1.1% |
| Net Income Margin (%) | 32.8% | 35.3% | 7.5% |
| P/E Multiple | 10.1 | 11.1 | 9.5% |
| Shares Outstanding (Mil) | 161 | 159 | 1.0% |
| Cumulative Contribution | 20.2% |
Market Drivers
10/31/2025 to 2/6/2026| Return | Correlation | |
|---|---|---|
| FBP | 20.2% | |
| Market (SPY) | 1.3% | 26.1% |
| Sector (XLF) | 3.6% | 44.3% |
Fundamental Drivers
The 13.4% change in FBP stock from 7/31/2025 to 2/6/2026 was primarily driven by a 7.6% change in the company's Net Income Margin (%).| (LTM values as of) | 7312025 | 2062026 | Change |
|---|---|---|---|
| Stock Price ($) | 20.48 | 23.22 | 13.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 922 | 945 | 2.5% |
| Net Income Margin (%) | 32.8% | 35.3% | 7.6% |
| P/E Multiple | 11.0 | 11.1 | 0.5% |
| Shares Outstanding (Mil) | 163 | 159 | 2.3% |
| Cumulative Contribution | 13.4% |
Market Drivers
7/31/2025 to 2/6/2026| Return | Correlation | |
|---|---|---|
| FBP | 13.4% | |
| Market (SPY) | 9.6% | 33.8% |
| Sector (XLF) | 3.9% | 58.4% |
Fundamental Drivers
The 15.8% change in FBP stock from 1/31/2025 to 2/6/2026 was primarily driven by a 6.2% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 1312025 | 2062026 | Change |
|---|---|---|---|
| Stock Price ($) | 20.05 | 23.22 | 15.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 890 | 945 | 6.2% |
| Net Income Margin (%) | 34.0% | 35.3% | 3.8% |
| P/E Multiple | 10.8 | 11.1 | 2.7% |
| Shares Outstanding (Mil) | 163 | 159 | 2.4% |
| Cumulative Contribution | 15.8% |
Market Drivers
1/31/2025 to 2/6/2026| Return | Correlation | |
|---|---|---|
| FBP | 15.8% | |
| Market (SPY) | 15.8% | 59.4% |
| Sector (XLF) | 6.5% | 69.2% |
Fundamental Drivers
The 92.8% change in FBP stock from 1/31/2023 to 2/6/2026 was primarily driven by a 50.3% change in the company's P/E Multiple.| (LTM values as of) | 1312023 | 2062026 | Change |
|---|---|---|---|
| Stock Price ($) | 12.04 | 23.22 | 92.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 867 | 945 | 9.0% |
| Net Income Margin (%) | 35.2% | 35.3% | 0.1% |
| P/E Multiple | 7.4 | 11.1 | 50.3% |
| Shares Outstanding (Mil) | 187 | 159 | 17.5% |
| Cumulative Contribution | 92.8% |
Market Drivers
1/31/2023 to 2/6/2026| Return | Correlation | |
|---|---|---|
| FBP | 92.8% | |
| Market (SPY) | 76.2% | 50.3% |
| Sector (XLF) | 55.2% | 69.1% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| FBP Return | 53% | -5% | 35% | 17% | 15% | 10% | 193% |
| Peers Return | 42% | 8% | 9% | 23% | 20% | 10% | 173% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -1% | 81% |
Monthly Win Rates [3] | |||||||
| FBP Win Rate | 75% | 42% | 58% | 67% | 58% | 100% | |
| Peers Win Rate | 75% | 50% | 57% | 52% | 65% | 90% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| FBP Max Drawdown | -2% | -13% | -15% | -6% | -9% | -0% | |
| Peers Max Drawdown | -3% | -12% | -34% | -10% | -16% | -2% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -1% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: BPOP, OFG, HWC, ABCB, FHN.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 2/6/2026 (YTD)
How Low Can It Go
| Event | FBP | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -34.1% | -25.4% |
| % Gain to Breakeven | 51.7% | 34.1% |
| Time to Breakeven | 215 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -64.8% | -33.9% |
| % Gain to Breakeven | 183.9% | 51.3% |
| Time to Breakeven | 337 days | 148 days |
| 2018 Correction | ||
| % Loss | -33.4% | -19.8% |
| % Gain to Breakeven | 50.2% | 24.7% |
| Time to Breakeven | 194 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -88.9% | -56.8% |
| % Gain to Breakeven | 803.3% | 131.3% |
| Time to Breakeven | Not Fully Recovered days | 1,480 days |
Compare to BPOP, OFG, HWC, ABCB, FHN
In The Past
First BanCorp's stock fell -34.1% during the 2022 Inflation Shock from a high on 8/15/2022. A -34.1% loss requires a 51.7% gain to breakeven.
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About First BanCorp (FBP)
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1. The Bank of America or JPMorgan Chase of Puerto Rico and Florida, offering comprehensive banking services.
2. A prominent regional bank for Puerto Rico, the US Virgin Islands, and Florida, akin to a smaller version of PNC or US Bank.
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```html- Deposit Accounts: Offers various checking, savings, money market, and certificate of deposit accounts for individuals and businesses.
- Commercial Lending: Provides commercial and industrial loans, commercial real estate loans, and construction financing to businesses.
- Residential Mortgage Lending: Offers mortgage loans to individuals for the purchase or refinancing of homes.
- Consumer Lending: Includes personal loans, auto loans, and credit cards for individual customers.
- Wealth Management: Provides investment advisory, trust, and brokerage services to high-net-worth individuals and institutional clients.
- Treasury Management Services: Offers cash management, payment processing, and other financial solutions to businesses.
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```htmlFirst BanCorp (FBP) is a bank holding company and, as such, primarily serves individuals and businesses rather than selling its services to other companies in a traditional B2B sense where those companies would be the "major customers" integrating or reselling FBP's offerings. Therefore, its customers are best described in categories.
First BanCorp serves the following categories of customers:
- Individuals/Retail Customers: This category includes individual consumers who utilize the bank's services for personal banking needs such as checking accounts, savings accounts, credit cards, mortgages, personal loans, and other consumer financial products.
- Commercial/Business Customers: This category encompasses small, medium, and large businesses that leverage First BanCorp's commercial banking services. These services typically include business checking and savings accounts, commercial loans, lines of credit, treasury management solutions, and other financial products tailored for corporate needs.
- Wealth Management/Private Banking Customers: This segment includes high-net-worth individuals, families, and institutional clients seeking more specialized financial services. These often involve investment management, trust services, financial planning, and private banking solutions.
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- Fiserv, Inc. (FI)
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Aurelio Alemán-Bermúdez, President and Chief Executive Officer
Aurelio Alemán-Bermúdez has served as President, Chief Executive Officer, and Director of First BanCorp since 2009. Prior to this, he was the Chief Operating Officer and Senior Executive Vice President of the company from 2005 to 2009, and Executive Vice President at FirstBank from 1998 to 2009. He also held the position of President for First Federal Finance Corp, FirstBank Insurance Agency, and First Leasing & Rental Corp. Earlier in his career, he worked at Citibank, N.A. from 1996 to 1998, where he was responsible for wholesale and retail automobile financing and retail mortgage business, and as Vice President at Chase Manhattan Bank, N.A. from 1990 to 1996, overseeing banking operations and technology for Puerto Rico and the Eastern Caribbean region. He was instrumental in the institution's recapitalization process in 2011 and served as president of the Puerto Rico Bank's Association from 2011 to 2013 and again from 2019 to 2021.
Orlando Berges-González, Executive Vice President and Chief Financial Officer
Orlando Berges-González has been the Executive Vice President and Chief Financial Officer of First BanCorp since August 2009. He also served as the Interim Chief Accounting Officer for the company between February 2020 and October 2021. Before joining First BanCorp, Mr. Berges-González was Executive Vice President of Administration at Banco Popular de Puerto Rico from 2004 to 2009 and a Regional Manager from 2001 to 2004. His earlier experience includes working at Popular Inc. as Chief Financial, Operations, and Administration Officer and Executive Vice President from 1998 to 2001.
Nayda Rivera-Batista, Chief Consumer Officer and Corporate Chief of Staff
Nayda Rivera-Batista assumed the role of Chief Consumer Officer and Corporate Chief of Staff in April 2025. Prior to this, she served as the Chief Risk Officer of the company from April 2006 to March 2025. She also held positions as Senior Vice President and General Auditor at First BanCorp. Ms. Rivera-Batista previously worked with PricewaterhouseCoopers, LLC.
Juan Carlos Pavia, Executive Vice President and Chief Operating Officer
Juan Carlos Pavia has been the Executive Vice President and Chief Operating Officer since August 2025. From 2021 to 2025, he served as Chief Credit Officer. Mr. Pavia brings over 15 years of experience within the banking industry, with expertise in Lending, Credit Risk, Current Expected Credit Losses (CECL), Workout, Operations, and Asset Based Lending. He has also held various leadership positions in other financial institutions in Puerto Rico and within the Government of Puerto Rico.
Roberto R. Herencia, Chairman
Roberto R. Herencia has served as Chairman of First BanCorp since 2011. He is also the President and Chief Executive Officer of BXM Holdings, an investment fund specializing in community bank investments, a role he has held since November 2010. From 2009 to 2010, Mr. Herencia was President and Chief Executive Officer of Midwest Banc Holdings Inc. and its subsidiary, Midwest Bank and Trust. He spent 17 years with Popular Inc., where he was an Executive Vice President and President of its subsidiary, Banco Popular North America. Earlier in his career, he worked for 10 years at The First National Bank of Chicago (now J.P. Morgan Chase) in various capacities, including Deputy Senior Credit Officer and Head of the Emerging Markets Division. Mr. Herencia has experience managing private equity-backed companies, having served as an independent director and chairman of the board of privately held Byline Bancorp and its subsidiary, Byline Bank, since June 2013, and as an independent director of privately held SKBHC Holdings LLC and its two subsidiary banks from 2010 to 2015. He was appointed by President Obama to serve on the Overseas Private Investment Corporation's Board of Directors in 2011.
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Key Risks to First BanCorp (FBP):
- Economic Conditions and Interest Rate Environment: First BanCorp faces significant risks from worsening general economic conditions, particularly in Puerto Rico, where a substantial portion of its operations are located. These risks include the impact of prevailing interest rates and the overall performance of financial markets, which can affect the demand for the Corporation's products and services, as well as the value of its assets. Changes in the interest rate environment and inflation levels can specifically influence the level, composition, and performance of the company's financial activities.
- Credit and Lending Risks: The company is exposed to inherent credit and other risks associated with its lending and investment activities. These risks are central to any financial institution's operations and can impact asset quality and profitability.
- Cybersecurity and Technology Risks: First BanCorp is subject to risks related to cybersecurity and technology. These risks encompass potential threats to its information systems, data security, and the reliability of its technological infrastructure, which could adversely affect the Corporation.
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The most significant clear emerging threat for First BanCorp (FBP) is the accelerating disruption from financial technology (fintech) companies. These include digital-only "neobanks," online lending platforms, and advanced payment processors. These entities leverage technology to offer more convenient, often lower-cost, and entirely digital banking services (deposits, loans, payments), appealing particularly to younger, tech-savvy demographics. This shift erodes the traditional customer base and revenue streams of conventional banks like FBP, which rely heavily on physical branches and established banking infrastructure. The ease of access and often superior user experience provided by fintech companies directly challenges FBP's ability to attract and retain customers, forcing continuous and significant investment in digital transformation to remain competitive.
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First BanCorp (FBP) operates primarily in Puerto Rico, the U.S. Virgin Islands, and Florida, offering a range of financial services including checking accounts, mortgages, consumer loans, commercial banking, wealth management, and credit cards. The addressable markets for these products and services in their key regions are as follows: For **Florida**: * The commercial banking industry had a market size of $65.5 billion in 2025. * Total deposits across all banks in Florida amounted to $831 billion in 2024. * New home loans booked in 2024 totaled $87.1 billion. * Small business loans amounted to $52.9 billion. For **Puerto Rico**: * Commercial banks managed approximately $59 billion in deposit balances as of 2019. * Mortgage loan originations were about $1.9 billion in 2023. * The banking industry's loan balances grew by 5.8% in 2024, with increases in commercial real estate (+6.5%), commercial & industrial (+7.1%), auto (+6.8%), mortgage (+3.4%), and credit card (+4.7%) portfolios. * Total deposits by individuals and businesses in commercial banks increased by $17.4 billion between 2019 and 2021. For the **U.S. Virgin Islands**: * The Gross Domestic Product (GDP) was $5.075 billion in 2013, which provides an indication of the overall economic scale of the market. While specific banking market sizes for products are not available, First Bank is noted as one of the major banks operating in the territory.AI Analysis | Feedback
Here are 3-5 expected drivers of future revenue growth for First BanCorp (FBP) over the next 2-3 years:- Net Interest Income (NII) Growth and Net Interest Margin (NIM) Expansion: First BanCorp has demonstrated consistent growth in its net interest income, which reached $217.9 million in the third quarter of 2025, an increase of $2 million from the previous quarter and 8% higher than the third quarter of 2024. The net interest margin for the quarter was 4.57%, a 1 basis point increase quarter-over-quarter, and has expanded by 32 basis points over the last four quarters. This expansion is partly attributed to the reinvestment of cash flows from the investment portfolio, which resulted in a 16 basis points expansion in investment portfolio yields. Future expectations include potential reductions in deposit costs as interest rates adjust, which could further bolster NIM.
- Loan Portfolio Growth: The company has experienced significant growth in its loan portfolio, which surpassed $13 billion in the third quarter of 2025 for the first time since 2010. This growth is diversified across commercial, construction, and residential lending. Specifically, the average balance of the residential portfolio grew by $19 million in the third quarter of 2025, and net interest income from commercial loans increased due to a $126 million rise in average balances. Analysts have also noted a 10% increase in the loan portfolio on a last-quarter annualized basis, driven by robust consumer and project-related inflows in Puerto Rico.
- Economic Recovery in Puerto Rico: A key driver for First BanCorp's future revenue growth is the ongoing economic recovery in Puerto Rico. This recovery is expected to stimulate commercial loan growth and overall economic activity in the region, which is the bank's primary market. Increased economic stability and development in Puerto Rico directly translate to higher demand for banking services and credit, thereby driving the company's revenue.
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**Share Repurchases**
- First BanCorp authorized a new share repurchase program of up to $200 million in October 2025, expected to be executed through the end of the fourth quarter of 2026. This is in addition to approximately $38 million remaining under a stock repurchase program announced on July 22, 2024.
- The company repurchased $50.0 million in common stock during the third quarter of 2025.
- In April 2021, First BanCorp's Board of Directors approved a stock repurchase program allowing for the repurchase of up to $300 million of its outstanding stock, commencing from that quarter through June 30, 2022.
**Outbound Investments**
- In September 2020, First BanCorp completed the acquisition of Banco Santander de Puerto Rico for $1.3 billion in cash, which added $5.5 billion in assets to the company.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| How Low Can First BanCorp Stock Really Go? | 10/17/2025 | |
| FBP Dip Buy Analysis | 07/10/2025 | |
| Time To Buy First BanCorp Stock? | 02/28/2025 | |
| First BanCorp (FBP) Operating Cash Flow Comparison | 02/17/2025 | |
| First BanCorp (FBP) Net Income Comparison | 02/15/2025 | |
| Fundamental Metrics: ... | 06/19/2024 |
| Title | |
|---|---|
| ARTICLES |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 57.67 |
| Mkt Cap | 6.1 |
| Rev LTM | 1,320 |
| Op Inc LTM | - |
| FCF LTM | 412 |
| FCF 3Y Avg | 456 |
| CFO LTM | 431 |
| CFO 3Y Avg | 482 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 6.8% |
| Rev Chg 3Y Avg | 3.5% |
| Rev Chg Q | 6.5% |
| QoQ Delta Rev Chg LTM | 1.7% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 32.5% |
| CFO/Rev 3Y Avg | 34.5% |
| FCF/Rev LTM | 30.2% |
| FCF/Rev 3Y Avg | 31.8% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 6.1 |
| P/S | 4.1 |
| P/EBIT | - |
| P/E | 12.8 |
| P/CFO | 11.5 |
| Total Yield | 9.0% |
| Dividend Yield | 1.8% |
| FCF Yield 3Y Avg | 10.3% |
| D/E | 0.2 |
| Net D/E | -0.9 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 10.9% |
| 3M Rtn | 19.8% |
| 6M Rtn | 26.3% |
| 12M Rtn | 23.2% |
| 3Y Rtn | 65.3% |
| 1M Excs Rtn | 10.7% |
| 3M Excs Rtn | 18.3% |
| 6M Excs Rtn | 18.5% |
| 12M Excs Rtn | 10.3% |
| 3Y Excs Rtn | 2.2% |
Segment Financials
Revenue by Segment| $ Mil | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Consumer (Retail) Banking | 577 | 521 | 351 | 272 | 296 |
| Commercial and Corporate Banking | 153 | 128 | 208 | 148 | 103 |
| Mortgage Banking | 87 | 115 | 129 | 98 | 86 |
| United States Operations | 78 | 83 | 70 | 59 | 65 |
| Virgin Islands Operations | 65 | 32 | 33 | 33 | 34 |
| Treasury and Investments | -30 | 40 | 60 | 102 | 73 |
| Total | 930 | 918 | 851 | 712 | 658 |
Price Behavior
| Market Price | $23.22 | |
| Market Cap ($ Bil) | 3.7 | |
| First Trading Date | 02/25/1992 | |
| Distance from 52W High | 0.0% | |
| 50 Days | 200 Days | |
| DMA Price | $21.22 | $20.73 |
| DMA Trend | up | up |
| Distance from DMA | 9.4% | 12.0% |
| 3M | 1YR | |
| Volatility | 26.7% | 28.3% |
| Downside Capture | -0.50 | 78.83 |
| Upside Capture | 83.01 | 80.96 |
| Correlation (SPY) | 22.4% | 59.3% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 1.20 | 0.71 | 0.62 | 0.78 | 0.89 | 1.02 |
| Up Beta | 5.14 | 3.79 | 1.01 | 1.46 | 0.88 | 1.02 |
| Down Beta | 0.80 | 0.24 | 0.47 | 0.78 | 0.95 | 0.96 |
| Up Capture | 109% | 89% | 98% | 57% | 75% | 118% |
| Bmk +ve Days | 11 | 22 | 34 | 71 | 142 | 430 |
| Stock +ve Days | 10 | 21 | 33 | 68 | 133 | 384 |
| Down Capture | -25% | -24% | 22% | 53% | 91% | 101% |
| Bmk -ve Days | 9 | 19 | 27 | 54 | 109 | 321 |
| Stock -ve Days | 10 | 20 | 27 | 56 | 115 | 361 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with FBP | |
|---|---|---|---|---|
| FBP | 15.7% | 28.3% | 0.51 | - |
| Sector ETF (XLF) | 6.1% | 19.2% | 0.18 | 69.8% |
| Equity (SPY) | 15.4% | 19.4% | 0.61 | 59.4% |
| Gold (GLD) | 73.9% | 24.8% | 2.19 | 3.7% |
| Commodities (DBC) | 8.9% | 16.6% | 0.34 | 19.6% |
| Real Estate (VNQ) | 4.6% | 16.5% | 0.10 | 50.0% |
| Bitcoin (BTCUSD) | -33.5% | 42.9% | -0.83 | 22.0% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with FBP | |
|---|---|---|---|---|
| FBP | 24.0% | 32.8% | 0.71 | - |
| Sector ETF (XLF) | 15.0% | 18.7% | 0.66 | 71.7% |
| Equity (SPY) | 14.4% | 17.0% | 0.68 | 54.4% |
| Gold (GLD) | 21.4% | 16.9% | 1.03 | -1.1% |
| Commodities (DBC) | 11.5% | 18.9% | 0.49 | 14.6% |
| Real Estate (VNQ) | 5.0% | 18.8% | 0.17 | 46.0% |
| Bitcoin (BTCUSD) | 13.9% | 57.8% | 0.46 | 20.9% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with FBP | |
|---|---|---|---|---|
| FBP | 27.2% | 40.7% | 0.73 | - |
| Sector ETF (XLF) | 14.0% | 22.2% | 0.58 | 73.2% |
| Equity (SPY) | 15.4% | 17.9% | 0.74 | 57.1% |
| Gold (GLD) | 15.7% | 15.5% | 0.84 | -7.1% |
| Commodities (DBC) | 8.0% | 17.6% | 0.37 | 24.2% |
| Real Estate (VNQ) | 6.0% | 20.7% | 0.25 | 50.2% |
| Bitcoin (BTCUSD) | 67.1% | 66.6% | 1.07 | 12.9% |
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Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 1/27/2026 | 5.2% | ||
| 10/23/2025 | -2.6% | -6.2% | -3.8% |
| 7/22/2025 | -2.4% | -2.5% | -2.4% |
| 4/24/2025 | 0.1% | 0.4% | 3.0% |
| 1/23/2025 | 5.8% | 7.2% | -0.1% |
| 10/23/2024 | -5.4% | -5.1% | 1.4% |
| 7/23/2024 | 3.3% | 2.2% | -2.8% |
| 4/23/2024 | -0.4% | 1.3% | 4.9% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 12 | 14 | 15 |
| # Negative | 13 | 10 | 9 |
| Median Positive | 1.7% | 4.8% | 5.8% |
| Median Negative | -2.4% | -2.9% | -3.9% |
| Max Positive | 10.1% | 9.8% | 23.1% |
| Max Negative | -5.7% | -16.8% | -15.8% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 08/07/2025 | 10-Q |
| 03/31/2025 | 05/09/2025 | 10-Q |
| 12/31/2024 | 02/28/2025 | 10-K |
| 09/30/2024 | 11/08/2024 | 10-Q |
| 06/30/2024 | 08/09/2024 | 10-Q |
| 03/31/2024 | 05/09/2024 | 10-Q |
| 12/31/2023 | 02/28/2024 | 10-K |
| 09/30/2023 | 11/08/2023 | 10-Q |
| 06/30/2023 | 08/08/2023 | 10-Q |
| 03/31/2023 | 05/10/2023 | 10-Q |
| 12/31/2022 | 02/28/2023 | 10-K |
| 09/30/2022 | 11/08/2022 | 10-Q |
| 06/30/2022 | 08/09/2022 | 10-Q |
| 03/31/2022 | 05/09/2022 | 10-Q |
| 12/31/2021 | 03/01/2022 | 10-K |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Aleman, Aurelio | President and CEO | Direct | Sell | 8262025 | 22.30 | 50,000 | 1,114,925 | 23,626,309 | Form |
| 2 | Rivera, Nayda | EVP, CCO and Chief of Staff | Direct | Sell | 8212025 | 21.43 | 10,000 | 214,340 | 4,934,343 | Form |
| 3 | Kafka, Donald | EVP | Direct | Sell | 8142025 | 20.99 | 40,000 | 839,744 | 1,339,602 | Form |
| 4 | Aleman, Aurelio | President and CEO | Direct | Sell | 6132025 | 20.52 | 22,871 | 469,352 | 22,769,791 | Form |
| 5 | Herencia, Roberto R | Direct | Sell | 6132025 | 20.42 | 14,738 | 300,912 | 13,010,110 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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