FBP Stock Analysis: Buy, Sell, or Hold?
FBP - First BanCorp.
$23.28
-0.08 (-0.34%)
▼
5d:
-3.2%
30d:
+2.37%
90d:
+3.79%
BUY
MODERATE Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: Apr 22, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: FBP shows positive signals but monitor for confirmation. Market pricing in 0.3% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: FBP shows positive signals but monitor for confirmation. Market pricing in 0.3% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$29.89
Based on 5.4% avg growth
INTRINSIC VALUE TODAY
$18.56
Trading above historical range
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 $23.28, which is considered fair relative to its 30-day fair value range of $22.75 to $24.14. The stock's valuation (Forward PE: 9.7) is in line with its historical norms (9.6). At these levels, the market is pricing in 0.3% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, FBP is in a strong uptrend. The price is currently testing key support at $23.05. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $26.00 (+11.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, FBP is in a strong uptrend. The price is currently testing key support at $23.05. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $26.00 (+11.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$22.75 -
$24.14
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
71.0%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($26.00)
- NEUTRAL: Market pricing in 0.3% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$22.75 -
$24.14
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$23.05
Resistance Level
$24.57
Current Trend
Strong Uptrend
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.72
Wall Street Target
$26.00
(+11.7%)
Revenue Growth (YoY)
8.1%
Earnings Growth (YoY)
21.3%
Profit Margin
38.2%
Valuation Premium vs History
+0.3% premium
PE vs Historical
9.7 vs 9.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.3%
(market-implied from PE analysis)
1-Year Target
$23.35
(+0%)
2-Year Target
$23.42
(+1%)
3-Year Target
$23.49
(+1%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
PE COMPRESSION
$23.19
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 6.8%)
$64.38
(+177%)
Base:
(SPY PE: 9.7, Growth: 6.8%)
$28.36
(+22%)
Bear:
(PE: 8.3, Growth: 6.8%)
$24.11
(+4%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 10.38 | Current EPS (TTM): $2.25
Bull Case
$27.35
(+18%)
Analyst growth 6.4%, PE expands to 11.4
Base Case
$24.86
(+7%)
Market implied 6.4%, PE stable at 10.4
Bear Case
$15.88
(-32%)
Severe decline -20.0%, PE contracts to 8.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: May 15, 2026 10:06 PM ET
Data refreshes hourly during market hours. Next update: 11:06 PM
Data refreshes hourly during market hours. Next update: 11:06 PM
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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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