FBP Stock Analysis: Buy, Sell, or Hold?
FBP - First BanCorp.
$22.12
-0.02 (-0.09%)
▼
HOLD
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Apr 23, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: FBP shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: FBP shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$33.03
Based on 6.9% avg growth
INTRINSIC VALUE TODAY
$20.51
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FBP is currently trading at $22.12, which is considered extended relative to its 30-day fair value range of $20.89 to $21.74. The stock's valuation (Forward PE: 9.3) is in line with its historical norms (10.0). Remarkably, the market is currently pricing in an annual earnings decline of 2.1% over the next few years. This pessimistic expectation contrasts with the company's recent 40.0% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, FBP is showing sideways momentum. The price is approaching resistance at $22.53. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: FBP has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, FBP is showing sideways momentum. The price is approaching resistance at $22.53. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: FBP has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Fair Price Range
$20.89 -
$21.74
Company Quality Score
60/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
57.1%
Protect Your Profits
Holding FBP? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($24.36)
Fair Price Analysis
30-Day Fair Range
$20.89 -
$21.74
Current vs Fair Value
EXTENDED
Support & Resistance Levels
Support Level
$20.50
Resistance Level
$22.53
Current Trend
Sideways
Fundamental Context
Forward P/E (Next Year Est.)
9.35
Wall Street Target
$24.36
(+10.0%)
Revenue Growth (YoY)
5.4%
Earnings Growth (YoY)
40.0%
Profit Margin
36.9%
Valuation Discount vs History
-2.1% cheaper
PE vs Historical
9.4 vs 10.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.1%
(market-implied from PE analysis)
1-Year Target
$21.68
(-2%)
2-Year Target
$21.22
(-4%)
3-Year Target
$20.77
(-6%)
3-Yr Target (if PE normalizes)
(PE: 9→10)
$22.22
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 9.8%)
$69.94
(+216%)
Base:
(SPY PE: 9.3, Growth: 9.8%)
$29.32
(+32%)
Bear:
(PE: 7.9, Growth: 9.8%)
$24.92
(+13%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 10.72 | Current EPS (TTM): $2.05
Bull Case
$27.20
(+23%)
Analyst growth 12.5%, PE expands to 11.8
Base Case
$24.72
(+12%)
Market implied 12.5%, PE stable at 10.7
Bear Case
$14.95
(-33%)
Severe decline -20.0%, PE contracts to 9.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.3 to 10.0
Stabilization Target:
$23.68
(+7.0%)
PE Expansion Potential:
+7.0%
Last updated: January 30, 2026 5:39 PM ET
Data refreshes hourly during market hours. Next update: 6:39 PM
Data refreshes hourly during market hours. Next update: 6:39 PM
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Technical Signals Check
Is FBP showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Aurelio Aleman
SELL
50000 shares
2025-08-22
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Advanced FBP Option Strategies
Professional options setups generated by AI based on today's FBP price and gamma walls.
