FBP Stock Analysis: Buy, Sell, or Hold?
FBP - First BanCorp.
$20.85
-0.01 (-0.05%)
▼
5d:
+0.43%
30d:
-1.33%
90d:
-1.65%
BUY
HIGH Confidence
Analysis Updated: Mar 30, 2026 12:00 AM ET
Earnings: Apr 22, 2026
21d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: FBP shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
✅ BUY SIGNAL: FBP shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$31.04
Based on 6.6% avg growth
INTRINSIC VALUE TODAY
$19.28
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 9.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FBP is currently trading at $20.85, which is considered fair relative to its 30-day fair value range of $20.43 to $21.69. The stock's valuation (Forward PE: 8.8) is in line with its historical norms (9.6). Remarkably, the market is currently pricing in an annual earnings decline of 2.6% over the next few years. This pessimistic expectation contrasts with the company's recent 20.8% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, FBP is in a uptrend. The price is currently testing key support at $20.27. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: FBP has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $24.64 (+18.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, FBP is in a uptrend. The price is currently testing key support at $20.27. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: FBP has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $24.64 (+18.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$20.43 -
$21.69
Company Quality Score
61/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
81.0%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($24.64)
Fair Price Analysis
30-Day Fair Range
$20.43 -
$21.69
Current vs Fair Value
FAIR
Support & Resistance Levels
Support Level
$20.27
Resistance Level
$21.31
Current Trend
Uptrend
Technical data as of
Mar 30, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.85
Wall Street Target
$24.64
(+18.2%)
Revenue Growth (YoY)
6.9%
Earnings Growth (YoY)
20.8%
Profit Margin
37.7%
Valuation Discount vs History
-2.6% cheaper
PE vs Historical
8.9 vs 9.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.6%
(market-implied from PE analysis)
1-Year Target
$20.31
(-3%)
2-Year Target
$19.78
(-5%)
3-Year Target
$19.27
(-8%)
3-Yr Target (if PE normalizes)
(PE: 9→10)
$20.90
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 9.1%)
$68.36
(+228%)
Base:
(SPY PE: 8.8, Growth: 9.1%)
$27.06
(+30%)
Bear:
(PE: 7.5, Growth: 9.1%)
$23.00
(+10%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 9.57 | Current EPS (TTM): $2.15
Bull Case
$24.80
(+20%)
Analyst growth 9.6%, PE expands to 10.5
Base Case
$22.54
(+9%)
Market implied 9.6%, PE stable at 9.6
Bear Case
$13.99
(-33%)
Severe decline -20.0%, PE contracts to 8.1
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 8.8 to 9.6
Stabilization Target:
$22.62
(+8.5%)
PE Expansion Potential:
+8.5%
Share & Embed Analysis
Last updated: March 31, 2026 1:30 AM ET
Data refreshes hourly during market hours. Next update: 2:30 AM
Data refreshes hourly during market hours. Next update: 2:30 AM
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Technical Signals Check
Is FBP showing a specific setup today?
Insider Activity (6 Months)
0
Buys
2
Sells
Net
INSIDERS SELLING
Recent Transactions
Roberto R Herencia
SELL
4723 shares
2026-02-11
Michael Mcdonald
SELL
34122 shares
2026-01-28
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