FBP Stock Analysis: Buy, Sell, or Hold?
FBP - First BanCorp.
$26.33
-0.36 (-1.35%)
▼
5d:
-0.79%
30d:
+9.71%
90d:
+22.01%
HOLD
MODERATE Confidence
Analysis Updated: Jul 2, 2026 12:00 AM ET
Earnings: Jul 22, 2026
17d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: FBP is fairly valued with market pricing in 3.9% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: FBP is fairly valued with market pricing in 3.9% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$30.52
Based on 5.4% avg growth
INTRINSIC VALUE TODAY
$18.95
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 9.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FBP is currently trading at $26.33, which is considered extended relative to its 30-day fair value range of $24.09 to $25.87. From a valuation perspective, the stock is trading at a premium (Forward PE: 11.0) compared to its historical average (9.8). At these levels, the market is pricing in 3.9% 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 approaching resistance at $25.05. 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 in a strong uptrend. The price is approaching resistance at $25.05. 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
Historical Trading Range
$24.09 -
$25.87
Company Quality Score
63/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
58.1%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($26.83)
- NEUTRAL: Market pricing in 3.9% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$24.09 -
$25.87
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$23.56
Resistance Level
$25.05
Current Trend
Strong Uptrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.00
Wall Street Target
$26.83
(+1.9%)
Revenue Growth (YoY)
8.1%
Earnings Growth (YoY)
21.3%
Profit Margin
38.2%
Valuation Premium vs History
+3.9% premium
PE vs Historical
11.0 vs 9.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.9%
(market-implied from PE analysis)
1-Year Target
$27.36
(+4%)
2-Year Target
$28.42
(+8%)
3-Year Target
$29.53
(+12%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$26.32
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 6.8%)
$63.53
(+141%)
Base:
(SPY PE: 11.0, Growth: 6.8%)
$32.08
(+22%)
Bear:
(PE: 9.3, Growth: 6.8%)
$27.27
(+4%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 11.86 | Current EPS (TTM): $2.25
Bull Case
$31.24
(+19%)
Analyst growth 6.4%, PE expands to 13.1
Base Case
$28.40
(+8%)
Market implied 6.4%, PE stable at 11.9
Bear Case
$18.15
(-31%)
Severe decline -20.0%, PE contracts to 10.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 03, 2026 7:44 PM ET
Data refreshes hourly during market hours. Next update: 8:44 PM
Data refreshes hourly during market hours. Next update: 8:44 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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