FBP

Based on First BanCorp.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does First BanCorp. do?

First BanCorp. is the holding company for FirstBank Puerto Rico, providing financial services to retail, commercial, and institutional clients. Its business spans commercial lending, residential mortgages, consumer loans, deposit products, and treasury services across Puerto Rico, the US mainland, and the Virgin Islands.

Does FBP pay dividends?

Yes, First BanCorp. pays a regular dividend. This is consistent with its profile as an established regional bank that generates recurring income from lending and deposit operations. Investors seeking income alongside an Attractively rated valuation may find this combination relevant to their screening criteria.

When does FBP report earnings?

First BanCorp. reports financial results on a quarterly cadence, as is standard for US-listed bank holding companies. For exact release dates and the most recent quarterly results, check First BanCorp.'s official investor relations page.

Is FBP a good stock to buy?

UQS Score rates FBP as Good overall. The Quality and Risk pillars are rated Strong and Good respectively, and Valuation is Attractive. However, the Moat and Growth pillars are both Weak. Whether that profile fits your portfolio depends on your own investment criteria — the full pillar breakdown is available to Pro members.

Is FBP overvalued?

Based on the UQS Valuation pillar, FBP is rated Attractive, suggesting the stock is not trading at a premium relative to its fundamentals. This does not constitute a buy recommendation, but it does indicate the market price appears reasonable within the UQS framework. View the complete valuation analysis with a Pro account.

How does FBP compare to its competitors?

FBP operates in a different geographic niche than peers like Cathay General Bancorp, Inter & Co, and WSFS Financial. Its Caribbean and Virgin Islands focus sets it apart from US-mainland community banks, while its traditional branch model contrasts with digital-first competitors. The UQS platform provides side-by-side pillar comparisons for Pro members.

What is FBP's market cap bracket?

First BanCorp. is classified as a mid-cap company. This places it in a tier typically associated with established regional banks that have scale beyond community-bank size but remain smaller than national banking giants.

Who founded First BanCorp.?

First BanCorp. was established in 1987 and is headquartered in San Juan, Puerto Rico. Detailed founding history and leadership background are publicly available through the company's official corporate profile and investor relations materials.

Is FBP a long-term quality investment?

The UQS framework evaluates long-term quality through five pillars. FBP's Strong Quality and Good Risk ratings suggest a degree of fundamental durability, while Weak Moat and Growth ratings indicate limited structural advantages and expansion potential. Long-term suitability depends on how these factors align with your investment horizon and goals.

What is the main competitive advantage of First BanCorp.?

First BanCorp.'s primary advantage lies in its established presence across Puerto Rico, the US mainland, and the Virgin Islands — a multi-territory footprint that few direct peers replicate. However, the UQS Moat pillar rates Weak, suggesting this geographic positioning has not yet translated into a strongly defensible competitive position.

First BanCorp. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.

First BanCorp. faces growth headwinds with declining or stagnant revenue trends.

First BanCorp. has some risk factors including moderate leverage or solvency concerns.

First BanCorp. appears attractively valued relative to its earnings, cash flows, and sector peers.

First BanCorp. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for FBP.

The UQS (Unified Quality Score) for First BanCorp. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses First BanCorp.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether First BanCorp. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.